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Redwood City is a San Francisco Bay Area community, and the third largest city within the County of San Mateo. The cost of living in Redwood City is 46% higher than the California average, and 99% higher than the national average. Redwood City is a very diverse cosmopolitan destination in the Bay Area, and a very popular place for tourists as well. It has an active port, and a thriving tech industry which contribute a great deal to the local economy and provide many jobs. This has helped the city continue to grow, and while this is great for economic health, it does add to the number of drivers on the road. Bay Area commuting can be rough, and comes with an increase risk of traffic accidents which affects the price you pay for your auto insurance. If your rates have gone up be sure to compare the various options for cheap car insurance Redwood City has available.

Crime rates are an important factor in determining insurance costs. The overall crime rate in Redwood City is 16% lower than the national average, and the city is safer than 47% of the cities in the United States. Property crime is 17% lower than the remainder of the state of California and 12% lower than the nation’s average.

Redwood City Insurance Requirements

All California state residents are required to have the basic liability insurance coverage in the following limits:

  • $5,000 of property damage liability per incident
  • $15,000 of bodily injury liability per person
  • $30,000 of bodily injury liability per incident

The minimum coverage may be all the law requires, but Redwood City has a large population of higher income residents, and lots of traffic. This can put you at risk for more than what is covered by just liability. Car repairs and towing can quickly wipe out your savings, so consider adding these options for the best cheap car insurance Redwood City can provide.

  • Collision
  • Towing and labor
  • Comprehensive
  • Rental reimbursement
  • Uninsured motorist bodily injury

Redwood City Public Transportation

There are 3 airports and 14 Amtrak train stations within 30 miles of the Redwood City city center. BART – Bay Area Rapid Transit doesn’t extend down to Redwood City yet, but the new SFO extension features a transfer point in Millbrae to the Caltrain, which ends in the Downtown area. The number of people who carpool to work in Redwood City is 10% higher than the national average. This is a great way to keep the yearly mileage on your car low, which helps lower your insurance premiums.