The most affordable provider for you may depend on your situation and needs. For instance, the overall best and cheapest insurance company in Clovis is GEICO. But, teens who want the least expensive insurance for them could get it from State Farm, while veterans can obtain it from USAA.
National General has the least expensive options for full coverage policies and for drivers with traffic infractions. Meanwhile, Chubb offers the best customer service.
Cheapest and Best Car Insurance in Clovis
Cheapest Minimum Liability Car Insurance in Clovis
The cheapest auto insurance providers in Clovis for minimum coverage policy:
- GEICO: $369 per year
- Mercury: $428 per year
Chubb has the highest monthly premium for a minimum coverage policy at $760.
Based on California law, a minimum coverage policy must include bodily injury and property damage liability coverages of:
- $15,000 bodily injury liability per person
- $30,000 bodily injury liability per accident
- $5,000 property damage liability per accident
So, if someone is hurt in a car accident with you, the insurer pays up to $15,000 for each person. But, the overall amount can max out at $30,000, so anything beyond these limits is on you.
Further, the insurer should pay up to $5,000 for property damage in an accident.
Cheapest Full Coverage Car Insurance in Clovis
The following are the lowest-priced full coverage car insurance providers in Clovis:
- National General: $907 per year
- GEICO: $973 per year
The most expensive auto insurer in the city is Chubb, which charges $1,750 a year for full coverage. Location affects the cost of auto insurance, as evidenced by the difference between the cheapest insurers in the city and state.
Comprehensive and collision insurance are included in a full coverage policy.
- Collision Insurance: Pays to fix or replace your car, minus your deductible after a collision.
- Comprehensive Insurance: Covers damages to your car brought on by uncontrollable non-collision incidents like fire and vandalism.
A full-coverage policy might not be worthwhile for older automobiles because you could pay hundreds more than the vehicle's value.
Cheapest Car Insurance in Clovis After a Driving Offense
Here are the cheapest car insurance companies in Clovis after getting driving violations on your record:
- Speeding ticket: National General ($951 per year)
- At-fault accident: National General ($1,339 per year)
- DUI: National General ($951 per year)
The most expensive auto insurance providers after violations vary by infraction. It's Kemper ($2,861) for an at-fault accident, Chubb ($2,293) for a speeding ticket and Hartford ($5,594) for DUI.
Driving records that aren't squeaky clean can significantly affect premiums. Even the cheapest company's rates for bad records typically aren't as affordable.
More severe infractions typically result in a higher rise in rates. For instance, drivers in Clovis who get DUIs pay at least $1,268 more per year than those who get speeding tickets.
Fortunately, there are ways to get more affordable car insurance for people with bad driving records.
Cheapest Car Insurance in Clovis for Teens and Their Families
The following Clovis auto insurance companies offer the cheapest family policies for teenage drivers:
- State Farm: $2,536 per year for male and female teens
- Farmers: $2,962 per year for male and female teens
Nationwide has the most expensive premium for male and female teens at $4,713 per year.
Although this isn't currently the case in Clovis, young males typically pay higher rates because they're considered riskier to cover. However, this gap starts to disappear during early adulthood.
Including teens in the family policy usually is way cheaper than if teens purchase individual policies. For example, in Clovis, a male teen's individual coverage would be $673 more expensive than a family policy.
Finding the cheapest teen auto insurance might save hundreds of dollars annually.
Cheapest Car Insurance in Clovis for Military Drivers
These are our top two cheapest auto insurance providers for military, veteran or active-duty members and their families:
- USAA: $848 per year
- National General: $907 per year
The rates shown above are for full coverage.
If you opt for minimum coverage, USAA remains the cheapest at $364 per year. GEICO replaces National General in second place with an annual premium of $369.
How to Compare Cheap Clovis Car Insurance Quotes Online
In Clovis, California, requesting an auto insurance quote online can take up to 15 minutes and involves providing a lot of personal data.
Fortunately, the MoneyGeek auto insurance calculator can instantly provide a good estimate of cost using your basic data like age, vehicle type, amount of coverage and driving history.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Best Car Insurance in Clovis: Summary
Your preference for pricing, service coverage and other factors determine the best auto insurance for you. Here are the top car insurance providers for various categories in Clovis, California.
- Best overall: GEICO (MoneyGeek score of 73 out of 100)
- Best for service: Chubb (MoneyGeek score of 76 out of 100)
- Best cheap: GEICO (MoneyGeek score of 78 out of 100)
A company's MoneyGeek score may fluctuate depending on how criteria are weighted in each category. CSAA is the best car insurance provider in California, demonstrating how location can impact prices.
Policyholders with a military background might find USAA to be their best option. It scored 85 out of 100 and has specialized services.
Best Overall Car Insurance in Clovis
We found the following are the best auto insurance providers in Clovis when all factors are considered:
- GEICO: MoneyGeek score of 73 out of 100 ($973 per year)
- Progressive: MoneyGeek score of 71 out of 100 ($990 per year)
GEICO got a perfect score in affordability and above-average customer satisfaction ratings.
USAA is an excellent choice for those with a military connection, such as servicemembers, veterans or their families. It scored 85 out of 100 in the best auto insurance for the military category.
Affordable premiums and excellent customer service
Offers antique or classic car insurance and roadside assistance
Below-average claims management and mid-tier coverage availability
No gap insurance and accident forgiveness coverage
GEICO offers an outstanding balance of excellent service and reasonable pricing. But, it falls rather short in claims management and only provides some essential coverages.
However, it provides uncommon coverages, including antique or classic car insurance and mechanical breakdown insurance. The former covers liability, uninsured/underinsured motorist and medical coverages for classic cars. The latter gives more coverage at a lower cost than a standard extended warranty.
Additionally, GEICO offers accident forgiveness to ensure your insurance rate won't go up after your first accident in which you were at fault. You can pay for or earn accident forgiveness if you're over 21 and haven't had an accident in five years or more.
Roadside assistance, which covers flat tires, towing, jump starts and lockout services, is one of the essential coverages it offers.
Best Car Insurance in Clovis for Customer Service
For this category, we ignored affordability and upped the value of customer service. This resulted in the following top ranking:
- Chubb: MoneyGeek score of 76 out of 100 ($1,750 per year)
- Capital Insurance Group: MoneyGeek score of 68 out of 100 ($1,319 per year)
Chubb offers excellent claims management and customer service. But that comes at a cost, literally, as it has the most expensive premiums in Clovis.
Top-notch customer service and claims management
Offers diminished value coverage
Average coverage level score and very pricy
Doesn’t include typical coverages like gap insurance and roadside assistance
Chubb doesn't offer a whole lot of coverages, but its customers can add some rare ones. OEM (original equipment manufacturer) coverage, for instance, isn't universal. It pays for original parts and makes sure original parts and methods are used to fix your car after an accident.
Additionally, if your car is stolen or totaled, Chubb gives you a check for the agreed-upon value of your vehicle under the diminished value coverage. You can also rent a car comparable to the one you own with rental car reimbursement coverage.
Plus, you can insure your vintage or classic cars, such as collector's cars or limited-edition versions with Chubb.
Best Cheap Car Insurance Companies in Clovis
The best insurance companies in Clovis, as determined by price and level of service for minimum coverage plans, are:
- GEICO: MoneyGeek score of 78 out of 100 ($369 per year)
- Progressive: MoneyGeek score of 69 out of 100 ($452 per year)
Minimum coverage policies in Clovis may have the lowest rates, but they also offer the lowest level of liability protection. They don't cover damage to your own car after an accident.
Cheapest minimum coverage provider at $369 per year
Good student, defensive driving and emergency deployment discounts
Perfect affordability score and excellent customer service
No pay-in-full or paperless discount
Claims management and offered coverages could be better
GEICO offers cost-effective insurance options and outstanding customer service. It also offers a wide range of discounts.
You can save on your premium by combining auto insurance with other qualifying policies, such as house, mobile, renters or condo insurance.
Additionally, GEICO gives discounts if you've had five years without an accident, more than one vehicle with them or a full-time student with good grades on your policy.
GEICO also lowers costs for service members, federal government workers and teachers. Senior drivers and those with new vehicles can receive discounts too.
Finally, you can save money by fastening your seatbelt, installing daytime running lights and upgrading to anti-lock brakes.
Average Cost of Car Insurance in Clovis
In Clovis, the average annual cost of car insurance is $1,239. This is $148 less than the average annual cost of auto insurance in California and $26 cheaper than the national average. However, location is only one of many variables affecting the price of auto insurance.
These premiums are for a full coverage policy with $100,000 per person bodily injury liability, $300,000 per accident bodily injury liability and $100,000 per accident property damage liability.
About Mark Fitzpatrick