Cheapest and Best Car Insurance in Clovis, CA (June 2024)

In Clovis, GEICO offers the cheapest minimum coverage, while National General provides the most affordable full coverage. For families with teens, Travelers is the least expensive. The best customer service comes from Chubb, though Capital Insurance Group leads as the best overall for value between price and service. Your ideal insurer may differ based on preferences and coverage needs.

MoneyGeek found that GEICO is the cheapest option in Clovis for minimum coverage car insurance. Those seeking the cheapest car insurance can find significant savings by comparing rates.

• GEICO: $420 per year
• CSAA: $451 per year

While GEICO offers the most affordable policy, Chubb presents the most expensive option at $760 annually. The difference of $340 underscores the importance of shopping around to ensure you are not overpaying for your car insurance.

Across all cities in California, including Clovis, your car insurance coverage minimums are set by state law. These are the baseline requirements to legally operate a vehicle:

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

For example, if you're at fault in an accident, your minimum coverage policy would cover up to $15,000 for injuries to one person, and a total of $30,000 for injuries to multiple people, regardless of the number of individuals hurt. If the actual costs exceed these limits, you would be responsible for paying the difference out of pocket.

MoneyGeek found that National General is the cheapest option in Clovis for cheapest full coverage car insurance. Here are the two most affordable providers:

• National General: $907 per year
• Progressive: $990 per year

Chubb has the most expensive full coverage policy in Clovis, with an annual premium that's $843 more than National General. This stark difference highlights why it's crucial to compare rates for full coverage car insurance, which tends to cost more due to the comprehensive and collision coverage included.

At MoneyGeek, the exemplary Clovis full coverage insurance plan expands the boundaries of liability coverage, elevating them to $100,000 for each individual's bodily injuries, $300,000 total for bodily injuries per incident, and $100,000 for property damage per incident. This level of protection is often referred to as a 100/300/100 policy.

Full coverage policies not only enhance liability limits but also include comprehensive and collision insurance.

• Collision Insurance: This insurance takes care of the costs to repair or replace your vehicle in the event of a collision with another car or an object.

• Comprehensive Insurance: This covers the expenses for repairing or replacing your vehicle due to non-collision incidents, such as theft or natural disasters.

If you have a brand-new vehicle, acquiring full coverage insurance is highly advisable to protect your investment. On the other hand, for those with older models, the additional expense for more protection may outweigh the benefits. It's essential to carefully assess how much car insurance you need, taking into account that more coverage results in higher premiums, while less coverage could leave you inadequately insured. You can make a more informed decision you must consider how much car insurance you need.

MoneyGeek found that National General offers the most competitive rates for Clovis drivers with traffic violations, proving to be the cheapest company for drivers with a poor driving record. Pricing varies significantly based on the specific offense, as illustrated below:

• Speeding Ticket: National General ($951 per year)
• At-fault accident: National General ($1,339 per year)
• DUI: National General ($951 per year)

Conversely, some companies have significantly higher rates for these incidents. For instance, Hartford's annual premium after a DUI is $5,285. This underscores the importance of shopping around for auto insurance, particularly after serious infractions, as the difference between the cheapest and most expensive rates after a DUI can exceed $4,000 per year.

Insurance premiums in Clovis and similar locations typically increase with the severity of a driving infraction because insurers view serious offenses as indicators of higher risk. For example, drivers with a speeding ticket might see their annual rates climb to approximately $1,834, while those with a DUI infraction face a steeper increase to an average of $3,156. This shows the importance for individuals with driving offenses to diligently compare insurance quotes.

MoneyGeek found that State Farm offers the most affordable full coverage car insurance in Clovis for both female and male teens. Finding the cheapest car insurance for teens is crucial, as these drivers often face higher premiums due to their risk status.

• State Farm: $2,536 per year for female teens and $2,536 per year for male teens
• Farmers: $2,692 per year for female teens and $2,692 per year for male teens

These rates reflect a policy covering a combination of two parents and a teen driver. In Clovis, Nationwide has the most expensive policy for families with teen drivers, with an annual premium of $4,713 for females. The difference between the cheapest and most expensive options can reach over $2,177 annually for a family with a female teen.

In Clovis, there is a difference between the cost of teen car insurance premiums when comparing individual policies to family plans. On average, a teen purchasing an independent policy faces an annual premium of approximately $3,962, while joining a family plan can reduce this expense to about $3,317. This is due to insurers viewing teens as high-risk drivers, and thus, they often charge higher premiums.

MoneyGeek found that National General is the cheapest option for those with military backgrounds seeking full coverage car insurance in Clovis.

• National General: $907 per year
• Progressive: $990 per year

Although USAA is not the cheapest on this list, with an annual premium of $1,200, it's noteworthy for providing services that specifically cater to the needs of active-duty military members. Consider USAA for personalized military benefits alongside your insurance policy.

In Clovis, smart consumers know that comparing car insurance rates can lead to savings. To expedite this process, MoneyGeek's car insurance calculator allows you to enter key details such as age, driving record and credit score to receive tailored rate estimates.

Finding the right auto insurance for you hinges on what you prioritize—be it service quality, cost, coverage or other factors. MoneyGeek's research gives Clovis’s leading car insurance providers:

• Best overall: Capital Insurance Group (MoneyGeek score 79 out of 100)
• Best for service: Chubb (MoneyGeek score 94 out of 100)
• Best cheap: Mercury (MoneyGeek score 79 out of 100)

Capital Insurance Group offers a balanced blend of service and affordability, Chubb is unparalleled for those seeking premium service regardless of cost, and Mercury presents a budget-friendly option without significantly compromising on service quality.

MoneyGeek found that Capital Insurance Group offers the best car insurance in Clovis with the top score of the region. Here's a snapshot of the leading providers in Clovis based on MoneyGeek's comprehensive scoring:

• Capital Insurance Group: MoneyGeek score of 79 out of 100 ($1,302 per year)
• Chubb: MoneyGeek score of 76 out of 100 ($1,750 per year)

Capital Insurance Group distinguishes itself as the top insurer in Clovis, displaying strong performance that contributes to its MoneyGeek score, particularly in satisfaction and affordability. The score exemplifies their quality offering for full coverage policies, justifying their position as a leader in the auto insurance market in Clovis.

MoneyGeek found that Chubb offers the best car insurance for customer service in Clovis. This distinction is based on an overall assessment of customer satisfaction, claims handling and breadth of coverages, regardless of rates.

• Chubb: MoneyGeek score of 94 out of 100 ($1,750 per year)
• Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,302 per year)

Chubb distinguishes itself as the top provider primarily due to its superior claims handling and coverage options.

MoneyGeek found that Mercury is the best option in Clovis for consumers seeking affordable car insurance without sacrificing quality service.

• Mercury: MoneyGeek score of 79 out of 100 ($460 per year)
• State Farm: MoneyGeek score of 78 out of 100 ($455 per year)

Mercury is the leading provider not just for its competitive annual premium but also for its high rating in customer service and claims processing, which are important considerations for a minimum coverage policy.

In the city of Clovis, California, the average cost of car insurance is $1,305. This is lower than California's average cost, which is $1,457. California's average is significantly lower than the national average cost for car insurance, which is $1,720. The difference in costs highlights how location can impact what drivers pay for car insurance premiums.

Insurance companies consider the frequency of accidents, theft, and claims within an area, along with environmental factors that could affect driving safety. For instance, Santa Maria has the cheapest car insurance premium in California at $1,168, while Glendale holds the record for the most expensive at $2,260. Drivers in less densely populated areas might secure even lower rates due to decreased traffic density. MoneyGeek's analysis, although primarily focused on city areas, suggests that significant savings can often be found beyond urban centers.