Compare Rates and Save on Auto Insurance

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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceClovis
2023

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.

Company
Annual Premium
Monthly Premium

State Farm

$365

$30

GEICO

$366

$30

GEICO

$369

$31

Mercury

$428

$36

CSAA

$430

$36

GEICO

$435

$36

Mercury

$439

$37

CSAA

$440

$37

Progressive

$452

$38

Progressive

$462

$38

CSAA

$469

$39

State Farm

$481

$40

Travelers

$491

$41

Travelers

$493

$41

National General

$503

$42

National General

$517

$43

Progressive

$538

$45

Mercury

$538

$45

Kemper

$541

$45

State Farm

$550

$46

Travelers

$559

$47

Nationwide

$564

$47

Farmers

$578

$48

Nationwide

$585

$49

Farmers

$594

$50

State National

$605

$50

Allstate

$607

$51

Allstate

$616

$51

National General

$619

$52

State National

$622

$52

Kemper

$623

$52

Capital Insurance Group

$624

$52

Hartford

$627

$52

Capital Insurance Group

$647

$54

Allstate

$659

$55

Farmers

$674

$56

Capital Insurance Group

$725

$60

Hartford

$728

$61

State National

$730

$61

Nationwide

$736

$61

Chubb

$760

$63

Chubb

$783

$65

Kemper

$826

$69

State Farm

$868

$72

National General

$907

$76

National General

$918

$77

GEICO

$941

$78

GEICO

$973

$81

Hartford

$977

$81

Mercury

$979

$82

Progressive

$990

$82

Mercury

$995

$83

Progressive

$996

$83

Allstate

$1,071

$89

Chubb

$1,088

$91

National General

$1,097

$91

State Farm

$1,114

$93

GEICO

$1,123

$94

Allstate

$1,132

$94

CSAA

$1,143

$95

CSAA

$1,146

$95

Progressive

$1,193

$99

Nationwide

$1,200

$100

Allstate

$1,247

$104

Capital Insurance Group

$1,248

$104

CSAA

$1,266

$106

Travelers

$1,270

$106

Mercury

$1,291

$108

Hartford

$1,292

$108

State National

$1,293

$108

Nationwide

$1,294

$108

Kemper

$1,299

$108

State Farm

$1,301

$108

Capital Insurance Group

$1,319

$110

Travelers

$1,328

$111

State National

$1,388

$116

Farmers

$1,423

$119

Farmers

$1,453

$121

Capital Insurance Group

$1,485

$124

Hartford

$1,501

$125

Travelers

$1,568

$131

Kemper

$1,576

$131

Nationwide

$1,676

$140

State National

$1,697

$141

Farmers

$1,720

$143

Chubb

$1,750

$146

Chubb

$1,806

$151

Kemper

$1,951

$163

Hartford

$1,997

$166

Chubb

$2,576

$215

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.

Company
Annual Premium
Monthly Premium

State Farm

$365

$30

GEICO

$366

$30

GEICO

$369

$31

Mercury

$428

$36

CSAA

$430

$36

GEICO

$435

$36

Mercury

$439

$37

CSAA

$440

$37

Progressive

$452

$38

Progressive

$462

$38

CSAA

$469

$39

State Farm

$481

$40

Travelers

$491

$41

Travelers

$493

$41

National General

$503

$42

National General

$517

$43

Progressive

$538

$45

Mercury

$538

$45

Kemper

$541

$45

State Farm

$550

$46

Travelers

$559

$47

Nationwide

$564

$47

Farmers

$578

$48

Nationwide

$585

$49

Farmers

$594

$50

State National

$605

$50

Allstate

$607

$51

Allstate

$616

$51

National General

$619

$52

State National

$622

$52

Kemper

$623

$52

Capital Insurance Group

$624

$52

Hartford

$627

$52

Capital Insurance Group

$647

$54

Allstate

$659

$55

Farmers

$674

$56

Capital Insurance Group

$725

$60

Hartford

$728

$61

State National

$730

$61

Nationwide

$736

$61

Chubb

$760

$63

Chubb

$783

$65

Kemper

$826

$69

State Farm

$868

$72

National General

$907

$76

National General

$918

$77

GEICO

$941

$78

GEICO

$973

$81

Hartford

$977

$81

Mercury

$979

$82

Progressive

$990

$82

Mercury

$995

$83

Progressive

$996

$83

Allstate

$1,071

$89

Chubb

$1,088

$91

National General

$1,097

$91

State Farm

$1,114

$93

GEICO

$1,123

$94

Allstate

$1,132

$94

CSAA

$1,143

$95

CSAA

$1,146

$95

Progressive

$1,193

$99

Nationwide

$1,200

$100

Allstate

$1,247

$104

Capital Insurance Group

$1,248

$104

CSAA

$1,266

$106

Travelers

$1,270

$106

Mercury

$1,291

$108

Hartford

$1,292

$108

State National

$1,293

$108

Nationwide

$1,294

$108

Kemper

$1,299

$108

State Farm

$1,301

$108

Capital Insurance Group

$1,319

$110

Travelers

$1,328

$111

State National

$1,388

$116

Farmers

$1,423

$119

Farmers

$1,453

$121

Capital Insurance Group

$1,485

$124

Hartford

$1,501

$125

Travelers

$1,568

$131

Kemper

$1,576

$131

Nationwide

$1,676

$140

State National

$1,697

$141

Farmers

$1,720

$143

Chubb

$1,750

$146

Chubb

$1,806

$151

Kemper

$1,951

$163

Hartford

$1,997

$166

Chubb

$2,576

$215

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.

Company
Annual Premium
Monthly Premium

National General

$530

$44

National General

$530

$44

CSAA

$533

$44

CSAA

$533

$44

CSAA

$545

$45

CSAA

$545

$45

National General

$547

$46

National General

$547

$46

Mercury

$548

$46

State Farm

$553

$46

GEICO

$556

$46

GEICO

$562

$47

Mercury

$564

$47

State Farm

$578

$48

CSAA

$583

$49

CSAA

$583

$49

National General

$653

$54

National General

$653

$54

GEICO

$654

$54

GEICO

$660

$55

GEICO

$663

$55

Mercury

$688

$57

Capital Insurance Group

$691

$58

Mercury

$694

$58

Mercury

$706

$59

Capital Insurance Group

$718

$60

Kemper

$718

$60

Capital Insurance Group

$722

$60

State Farm

$732

$61

Travelers

$748

$62

Capital Insurance Group

$749

$62

Travelers

$749

$62

National General

$752

$63

State Farm

$764

$64

Mercury

$765

$64

National General

$775

$65

GEICO

$778

$65

Mercury

$785

$65

Farmers

$786

$66

Farmers

$786

$66

Capital Insurance Group

$805

$67

Farmers

$809

$67

Farmers

$809

$67

Progressive

$810

$68

Kemper

$828

$69

Progressive

$829

$69

Travelers

$832

$69

Travelers

$832

$69

State Farm

$836

$70

Capital Insurance Group

$842

$70

Allstate

$843

$70

Allstate

$855

$71

State National

$856

$71

State National

$856

$71

Travelers

$861

$72

Mercury

$869

$72

Nationwide

$871

$73

State Farm

$873

$73

State National

$882

$73

State National

$882

$73

GEICO

$885

$74

GEICO

$895

$75

Progressive

$895

$75

Nationwide

$905

$75

Hartford

$912

$76

Hartford

$912

$76

Progressive

$917

$76

Farmers

$919

$77

Farmers

$919

$77

Allstate

$921

$77

National General

$930

$77

National General

$951

$79

National General

$951

$79

Travelers

$954

$80

National General

$963

$80

National General

$963

$80

Mercury

$969

$81

Allstate

$969

$81

Nationwide

$970

$81

Progressive

$976

$81

Chubb

$977

$81

Progressive

$983

$82

Farmers

$983

$82

Allstate

$984

$82

Travelers

$998

$83

Travelers

$1,000

$83

Chubb

$1,000

$83

Nationwide

$1,008

$84

Farmers

$1,010

$84

Progressive

$1,011

$84

State National

$1,039

$87

State National

$1,039

$87

GEICO

$1,057

$88

Allstate

$1,062

$88

Hartford

$1,074

$89

Hartford

$1,074

$89

Progressive

$1,081

$90

Capital Insurance Group

$1,085

$90

Kemper

$1,100

$92

Capital Insurance Group

$1,125

$94

State Farm

$1,141

$95

Nationwide

$1,143

$95

Farmers

$1,147

$96

National General

$1,151

$96

National General

$1,151

$96

Travelers

$1,154

$96

Chubb

$1,187

$99

Progressive

$1,191

$99

Chubb

$1,210

$101

Kemper

$1,218

$102

Kemper

$1,218

$102

Capital Insurance Group

$1,263

$105

Nationwide

$1,276

$106

Mercury

$1,285

$107

State Farm

$1,288

$107

Chubb

$1,306

$109

Mercury

$1,309

$109

National General

$1,339

$112

State Farm

$1,350

$112

National General

$1,356

$113

GEICO

$1,410

$117

Capital Insurance Group

$1,424

$119

CSAA

$1,441

$120

CSAA

$1,441

$120

CSAA

$1,443

$120

CSAA

$1,443

$120

GEICO

$1,457

$121

Capital Insurance Group

$1,462

$122

Hartford

$1,473

$123

Hartford

$1,473

$123

CSAA

$1,474

$123

Kemper

$1,481

$123

Kemper

$1,481

$123

State Farm

$1,507

$126

Capital Insurance Group

$1,509

$126

CSAA

$1,510

$126

Chubb

$1,515

$126

Chubb

$1,536

$128

Nationwide

$1,540

$128

State National

$1,546

$129

Capital Insurance Group

$1,548

$129

Allstate

$1,550

$129

Chubb

$1,559

$130

GEICO

$1,579

$132

State National

$1,595

$133

CSAA

$1,596

$133

CSAA

$1,596

$133

Nationwide

$1,602

$133

Mercury

$1,608

$134

CSAA

$1,616

$135

National General

$1,624

$135

GEICO

$1,628

$136

Mercury

$1,639

$137

Allstate

$1,644

$137

State Farm

$1,655

$138

GEICO

$1,684

$140

Capital Insurance Group

$1,701

$142

Mercury

$1,705

$142

State Farm

$1,721

$143

Kemper

$1,724

$144

Mercury

$1,728

$144

State Farm

$1,732

$144

Allstate

$1,738

$145

Capital Insurance Group

$1,746

$146

Mercury

$1,755

$146

Allstate

$1,770

$147

Allstate

$1,817

$151

State National

$1,838

$153

State National

$1,838

$153

Nationwide

$1,856

$155

Progressive

$1,863

$155

Chubb

$1,864

$155

Kemper

$1,873

$156

Kemper

$1,873

$156

Progressive

$1,877

$156

GEICO

$1,883

$157

State National

$1,890

$157

Travelers

$1,909

$159

Allstate

$1,913

$159

Allstate

$1,916

$160

State Farm

$1,931

$161

Hartford

$1,936

$161

Hartford

$1,936

$161

Farmers

$1,964

$164

Farmers

$1,964

$164

State National

$1,973

$164

State National

$1,973

$164

Travelers

$1,992

$166

Farmers

$2,006

$167

Farmers

$2,006

$167

Nationwide

$2,006

$167

State Farm

$2,023

$169

Nationwide

$2,033

$169

Progressive

$2,034

$170

Allstate

$2,040

$170

Progressive

$2,055

$171

Nationwide

$2,067

$172

Kemper

$2,092

$174

Travelers

$2,122

$177

Mercury

$2,131

$178

Travelers

$2,208

$184

Capital Insurance Group

$2,226

$186

Hartford

$2,229

$186

Nationwide

$2,235

$186

GEICO

$2,244

$187

Progressive

$2,258

$188

Hartford

$2,262

$188

Hartford

$2,262

$188

Allstate

$2,265

$189

Mercury

$2,280

$190

Chubb

$2,293

$191

GEICO

$2,319

$193

Progressive

$2,322

$194

Progressive

$2,348

$196

Chubb

$2,350

$196

Capital Insurance Group

$2,362

$197

Farmers

$2,376

$198

Farmers

$2,376

$198

Travelers

$2,379

$198

State National

$2,417

$201

State National

$2,417

$201

Farmers

$2,454

$204

Progressive

$2,472

$206

Farmers

$2,507

$209

Kemper

$2,595

$216

Nationwide

$2,606

$217

Travelers

$2,638

$220

Travelers

$2,641

$220

Capital Insurance Group

$2,663

$222

State Farm

$2,666

$222

Hartford

$2,667

$222

GEICO

$2,681

$223

Travelers

$2,763

$230

Chubb

$2,817

$235

Progressive

$2,825

$235

Kemper

$2,861

$238

Kemper

$2,861

$238

Chubb

$2,873

$239

Nationwide

$2,909

$242

Farmers

$2,968

$247

Hartford

$3,042

$253

Hartford

$3,042

$253

Chubb

$3,119

$260

Nationwide

$3,286

$274

Travelers

$3,320

$277

Allstate

$3,374

$281

State National

$3,421

$285

State Farm

$3,425

$285

Nationwide

$3,557

$296

Kemper

$3,588

$299

Kemper

$3,588

$299

Allstate

$3,593

$299

Chubb

$3,643

$304

State National

$3,679

$307

Chubb

$3,691

$308

Chubb

$3,747

$312

Hartford

$3,762

$314

Allstate

$3,989

$332

State Farm

$3,995

$333

CSAA

$4,067

$339

CSAA

$4,076

$340

Kemper

$4,317

$360

Kemper

$4,317

$360

Chubb

$4,517

$376

CSAA

$4,518

$376

State National

$4,522

$377

Nationwide

$4,645

$387

Hartford

$4,738

$395

Hartford

$5,594

$466

Hartford

$7,665

$639

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,263

$2,027

GEICO

$1,293

$2,075

GEICO

$1,295

$2,285

GEICO

$1,309

$2,180

GEICO

$1,324

$2,125

GEICO

$1,331

$2,349

GEICO

$1,350

$2,482

GEICO

$1,367

$2,413

GEICO

$1,499

$2,238

Progressive

$1,548

$2,476

Progressive

$1,548

$2,476

GEICO

$1,549

$2,556

Nationwide

$1,638

$3,392

Nationwide

$1,638

$3,392

Progressive

$1,676

$2,681

Progressive

$1,676

$2,681

Capital Insurance Group

$1,678

$2,148

Capital Insurance Group

$1,678

$2,148

Allstate

$1,678

$2,712

Allstate

$1,678

$2,712

Kemper

$1,712

$3,443

Kemper

$1,712

$3,443

State Farm

$1,751

$2,571

State Farm

$1,751

$2,571

Allstate

$1,757

$2,840

Allstate

$1,757

$2,840

Progressive

$1,793

$3,312

Progressive

$1,793

$3,312

Nationwide

$1,796

$3,719

Nationwide

$1,796

$3,719

Allstate

$1,802

$3,155

Allstate

$1,802

$3,155

Kemper

$1,808

$3,635

Kemper

$1,808

$3,635

Allstate

$1,820

$2,941

Allstate

$1,820

$2,941

State Farm

$1,822

$2,674

State Farm

$1,822

$2,674

Farmers

$1,843

$2,632

Farmers

$1,843

$2,632

State Farm

$1,853

$2,901

State Farm

$1,853

$2,901

Nationwide

$1,854

$4,253

Nationwide

$1,854

$4,253

State Farm

$1,864

$2,736

State Farm

$1,864

$2,736

Progressive

$1,877

$3,003

Progressive

$1,877

$3,003

Kemper

$1,903

$4,275

Kemper

$1,903

$4,275

Capital Insurance Group

$1,910

$2,544

Capital Insurance Group

$1,910

$2,544

Travelers

$1,922

$2,590

Travelers

$1,922

$2,590

Nationwide

$1,925

$3,986

Nationwide

$1,925

$3,986

GEICO

$1,930

$3,254

Allstate

$1,931

$3,169

Allstate

$1,931

$3,169

Kemper

$1,966

$3,954

Kemper

$1,966

$3,954

State Farm

$1,986

$2,957

State Farm

$1,986

$2,957

Capital Insurance Group

$1,988

$2,544

Capital Insurance Group

$1,988

$2,544

Capital Insurance Group

$1,988

$2,544

Capital Insurance Group

$1,988

$2,544

Travelers

$1,990

$2,681

Travelers

$1,990

$2,681

GEICO

$2,005

$3,753

Travelers

$2,030

$2,877

Travelers

$2,030

$2,877

Farmers

$2,064

$3,052

Farmers

$2,064

$3,052

Travelers

$2,074

$2,794

Travelers

$2,074

$2,794

State Farm

$2,108

$3,293

State Farm

$2,108

$3,293

GEICO

$2,111

$3,151

State Farm

$2,127

$3,168

State Farm

$2,127

$3,168

Farmers

$2,138

$3,052

Farmers

$2,138

$3,052

Farmers

$2,138

$3,052

Farmers

$2,138

$3,052

Nationwide

$2,170

$4,662

Nationwide

$2,170

$4,662

GEICO

$2,194

$3,622

Kemper

$2,204

$4,532

Kemper

$2,204

$4,532

Allstate

$2,214

$4,039

Allstate

$2,214

$4,039

Capital Insurance Group

$2,219

$2,862

Capital Insurance Group

$2,219

$2,862

Progressive

$2,224

$3,633

Progressive

$2,224

$3,633

Allstate

$2,251

$3,694

Allstate

$2,251

$3,694

Travelers

$2,265

$3,020

Travelers

$2,265

$3,020

Capital Insurance Group

$2,300

$2,862

Capital Insurance Group

$2,300

$2,862

Farmers

$2,309

$3,500

Farmers

$2,309

$3,500

State Farm

$2,343

$4,176

State Farm

$2,343

$4,176

Kemper

$2,387

$4,909

Kemper

$2,387

$4,909

Kemper

$2,408

$5,412

Kemper

$2,408

$5,412

Travelers

$2,458

$3,485

Travelers

$2,458

$3,485

Capital Insurance Group

$2,463

$3,177

Capital Insurance Group

$2,463

$3,177

State Farm

$2,484

$4,427

State Farm

$2,484

$4,427

Farmers

$2,495

$4,031

Farmers

$2,495

$4,031

Travelers

$2,496

$3,328

Travelers

$2,496

$3,328

Farmers

$2,519

$3,818

Farmers

$2,519

$3,818

State Farm

$2,536

$4,961

State Farm

$2,536

$4,961

Farmers

$2,627

$5,194

Farmers

$2,627

$5,194

GEICO

$2,666

$4,706

Nationwide

$2,674

$6,446

Nationwide

$2,674

$6,446

Farmers

$2,692

$5,432

Farmers

$2,692

$5,432

Farmers

$2,700

$5,338

Farmers

$2,700

$5,338

Progressive

$2,772

$5,142

Progressive

$2,772

$5,142

GEICO

$2,794

$5,470

Nationwide

$2,852

$6,129

Nationwide

$2,852

$6,129

GEICO

$2,858

$5,254

GEICO

$2,931

$5,174

Progressive

$2,946

$4,814

Progressive

$2,946

$4,814

Allstate

$2,955

$5,808

Allstate

$2,955

$5,808

GEICO

$3,013

$6,183

Allstate

$3,060

$6,118

Allstate

$3,060

$6,118

GEICO

$3,085

$6,039

Allstate

$3,113

$6,118

Allstate

$3,113

$6,118

Capital Insurance Group

$3,162

$3,932

Capital Insurance Group

$3,162

$3,932

Capital Insurance Group

$3,162

$3,932

Capital Insurance Group

$3,162

$3,932

Capital Insurance Group

$3,162

$3,932

Capital Insurance Group

$3,162

$3,932

Progressive

$3,199

$6,537

Progressive

$3,199

$6,537

Progressive

$3,220

$6,594

Progressive

$3,220

$6,594

Progressive

$3,232

$6,604

Progressive

$3,232

$6,604

Travelers

$3,285

$4,393

Travelers

$3,285

$4,393

Travelers

$3,432

$4,590

Travelers

$3,432

$4,590

Travelers

$3,439

$4,817

Travelers

$3,439

$4,817

Kemper

$3,632

$7,390

Kemper

$3,632

$7,390

Kemper

$3,979

$8,096

Kemper

$3,979

$8,096

Kemper

$4,015

$9,025

Kemper

$4,015

$9,025

Nationwide

$4,061

$8,714

Nationwide

$4,061

$8,714

Nationwide

$4,567

$9,798

Nationwide

$4,567

$9,798

Nationwide

$4,713

$11,825

Nationwide

$4,713

$11,825

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.

Company
Annual Premium
Monthly Premium

USAA

$363

$30

USAA

$364

$30

State Farm

$365

$30

GEICO

$366

$30

GEICO

$369

$31

Mercury

$428

$36

CSAA

$430

$36

GEICO

$435

$36

USAA

$437

$36

Mercury

$439

$37

CSAA

$440

$37

Progressive

$452

$38

Progressive

$462

$38

CSAA

$469

$39

State Farm

$481

$40

Travelers

$491

$41

Travelers

$493

$41

National General

$503

$42

National General

$517

$43

Progressive

$538

$45

Mercury

$538

$45

Kemper

$541

$45

State Farm

$550

$46

Travelers

$559

$47

Nationwide

$564

$47

Farmers

$578

$48

Nationwide

$585

$49

Farmers

$594

$50

State National

$605

$50

Allstate

$607

$51

Allstate

$616

$51

National General

$619

$52

State National

$622

$52

Kemper

$623

$52

Capital Insurance Group

$624

$52

Hartford

$627

$52

Capital Insurance Group

$647

$54

Allstate

$659

$55

Farmers

$674

$56

Capital Insurance Group

$725

$60

Hartford

$728

$61

State National

$730

$61

Nationwide

$736

$61

Chubb

$760

$63

Chubb

$783

$65

Kemper

$826

$69

USAA

$828

$69

USAA

$848

$71

State Farm

$868

$72

National General

$907

$76

National General

$918

$77

GEICO

$941

$78

GEICO

$973

$81

Hartford

$977

$81

Mercury

$979

$82

Progressive

$990

$82

Mercury

$995

$83

Progressive

$996

$83

USAA

$1,011

$84

Allstate

$1,071

$89

Chubb

$1,088

$91

National General

$1,097

$91

State Farm

$1,114

$93

GEICO

$1,123

$94

Allstate

$1,132

$94

CSAA

$1,143

$95

CSAA

$1,146

$95

Progressive

$1,193

$99

Nationwide

$1,200

$100

Allstate

$1,247

$104

Capital Insurance Group

$1,248

$104

CSAA

$1,266

$106

Travelers

$1,270

$106

Mercury

$1,291

$108

Hartford

$1,292

$108

State National

$1,293

$108

Nationwide

$1,294

$108

Kemper

$1,299

$108

State Farm

$1,301

$108

Capital Insurance Group

$1,319

$110

Travelers

$1,328

$111

State National

$1,388

$116

Farmers

$1,423

$119

Farmers

$1,453

$121

Capital Insurance Group

$1,485

$124

Hartford

$1,501

$125

Travelers

$1,568

$131

Kemper

$1,576

$131

Nationwide

$1,676

$140

State National

$1,697

$141

Farmers

$1,720

$143

Chubb

$1,750

$146

Chubb

$1,806

$151

Kemper

$1,951

$163

Hartford

$1,997

$166

Chubb

$2,576

$215

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.

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Click the section of the wheel in your price range to see options.

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Click an insurer below to visit their review page or continue to your personalized quote.

Progressive

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.

GEICO

pros

Affordable premiums and excellent customer service

Offers antique or classic car insurance and roadside assistance

cons

Below-average claims management and mid-tier coverage availability

No gap insurance and accident forgiveness coverage

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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.

Chubb

pros

Top-notch customer service and claims management

Offers diminished value coverage

cons

Average coverage level score and very pricy

Doesn’t include typical coverages like gap insurance and roadside assistance

COMPANY HIGHLIGHTS

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.

GEICO

pros

Cheapest minimum coverage provider at $369 per year

Good student, defensive driving and emergency deployment discounts

Perfect affordability score and excellent customer service

cons

No pay-in-full or paperless discount

Claims management and offered coverages could be better

COMPANY HIGHLIGHTS

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.

Read MoneyGeek's GEICO Auto Insurance Review

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.