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


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Updated: October 3, 2024

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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.

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2024

Cheapest and Best Car Insurance in Clovis

Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Clovis, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Clovis insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.

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These rates reflect the cheapest car insurance quotes in Clovis, CA, as of June 2024.

352,910 Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Coverage Car Insurance in Clovis

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$420Monthly Premium$35
CSAAAnnual Premium$451Monthly Premium$38
ProgressiveAnnual Premium$452Monthly Premium$38
State FarmAnnual Premium$455Monthly Premium$38
MercuryAnnual Premium$460Monthly Premium$38
FarmersAnnual Premium$491Monthly Premium$41
National GeneralAnnual Premium$503Monthly Premium$42
TravelersAnnual Premium$516Monthly Premium$43
KemperAnnual Premium$541Monthly Premium$45
NationwideAnnual Premium$593Monthly Premium$49
State NationalAnnual Premium$622Monthly Premium$52
Capital Insurance GroupAnnual Premium$641Monthly Premium$53
HartfordAnnual Premium$665Monthly Premium$55
AllstateAnnual Premium$677Monthly Premium$56
ChubbAnnual Premium$760Monthly Premium$63

State Minimum Liability Requirements

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.

Cheapest Full Coverage Car Insurance in Clovis

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$907Monthly Premium$76
ProgressiveAnnual Premium$990Monthly Premium$82
GEICOAnnual Premium$1,113Monthly Premium$93
State FarmAnnual Premium$1,151Monthly Premium$96
MercuryAnnual Premium$1,166Monthly Premium$97
AllstateAnnual Premium$1,260Monthly Premium$105
KemperAnnual Premium$1,299Monthly Premium$108
Capital Insurance GroupAnnual Premium$1,302Monthly Premium$109
NationwideAnnual Premium$1,306Monthly Premium$109
CSAAAnnual Premium$1,322Monthly Premium$110
State NationalAnnual Premium$1,388Monthly Premium$116
TravelersAnnual Premium$1,389Monthly Premium$116
HartfordAnnual Premium$1,422Monthly Premium$119
FarmersAnnual Premium$1,693Monthly Premium$141
ChubbAnnual Premium$1,750Monthly Premium$146

Do You Need Full Coverage in Clovis

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.

Cheapest Car Insurance in Clovis After a Driving Offense

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$951Monthly Premium$79
Capital Insurance GroupAnnual Premium$1,489Monthly Premium$124
MercuryAnnual Premium$1,536Monthly Premium$128
GEICOAnnual Premium$1,655Monthly Premium$138
CSAAAnnual Premium$1,667Monthly Premium$139
State FarmAnnual Premium$1,709Monthly Premium$142
KemperAnnual Premium$1,724Monthly Premium$144
AllstateAnnual Premium$1,826Monthly Premium$152
ProgressiveAnnual Premium$1,863Monthly Premium$155
State NationalAnnual Premium$1,973Monthly Premium$164
TravelersAnnual Premium$2,090Monthly Premium$174
HartfordAnnual Premium$2,142Monthly Premium$179
NationwideAnnual Premium$2,255Monthly Premium$188
ChubbAnnual Premium$2,293Monthly Premium$191
FarmersAnnual Premium$2,343Monthly Premium$195

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.

Cheapest Car Insurance in Clovis for Teens and Their Families

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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,536Individual Plan Monthly Premium$2,808
FarmersFamily Plan Annual Premium$2,692Individual Plan Monthly Premium$3,968
GEICOFamily Plan Annual Premium$2,858Individual Plan Monthly Premium$3,227
AllstateFamily Plan Annual Premium$3,060Individual Plan Monthly Premium$3,297
Capital Insurance GroupFamily Plan Annual Premium$3,162Individual Plan Monthly Premium$3,087
ProgressiveFamily Plan Annual Premium$3,220Individual Plan Monthly Premium$3,538
TravelersFamily Plan Annual Premium$3,439Individual Plan Monthly Premium$3,110
KemperFamily Plan Annual Premium$4,015Individual Plan Monthly Premium$5,361
NationwideFamily Plan Annual Premium$4,713Individual Plan Monthly Premium$6,691

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.

Cheapest Car Insurance in Clovis for Military Drivers

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$907Monthly Premium$76
ProgressiveAnnual Premium$990Monthly Premium$82
GEICOAnnual Premium$1,113Monthly Premium$93
State FarmAnnual Premium$1,151Monthly Premium$96
MercuryAnnual Premium$1,166Monthly Premium$97
USAAAnnual Premium$1,200Monthly Premium$100
AllstateAnnual Premium$1,260Monthly Premium$105
KemperAnnual Premium$1,299Monthly Premium$108
Capital Insurance GroupAnnual Premium$1,302Monthly Premium$109
NationwideAnnual Premium$1,306Monthly Premium$109
CSAAAnnual Premium$1,322Monthly Premium$110
State NationalAnnual Premium$1,388Monthly Premium$116
TravelersAnnual Premium$1,389Monthly Premium$116
HartfordAnnual Premium$1,422Monthly Premium$119
FarmersAnnual Premium$1,693Monthly Premium$141
ChubbAnnual Premium$1,750Monthly Premium$146

How to Compare Cheap Clovis Car Insurance Quotes Online

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.

Car Insurance Calculator

MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.

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Rates updated:

Oct 15, 2024

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Best Car Insurance in Clovis: Overview

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.

Overall Best Car Insurance in Clovis

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.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
79/ of 100

Overview

Capital Insurance Group excels in non-claims customer satisfaction and claims handling, with both contributing significantly to its top MoneyGeek score. While the company provides common coverages like rental car and/or travel reimbursement and roadside assistance, it does not offer full glass coverage. Capital Insurance Group offers custom parts coverage — a reasonably common coverage that ensures your high-quality auto parts will be replaced with name-brand items.

Best Car Insurance in Clovis for Customer Service

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

Chubb has high satisfaction (43 out of 45) and claims (30 out of 30) scores and offers common coverages such as rental car and/or travel reimbursement and roadside assistance. The absence of rideshare insurance might be a slight drawback for some customers. Chubb also offers original equipment manufacturer (OEM) coverage. This coverage assures the use of original parts during repairs, maintaining vehicle integrity and value. Additionally, Chubb has specialized offerings like antique/classic car Insurance and diminished value coverage, addressing the unique needs of certain drivers.

Best Cheap Car Insurance Companies in Clovis

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.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
79/ of 100

Overview

Mercury excels predominantly due to its impressive affordability score. With an average annual premium of just $460, the average driver saves on minimum coverage. Drivers can further reduce their expenses through discounts like an anti-theft system and automatic payment. The anti-theft system discount rewards drivers for enhancing vehicle security, The automatic payment option simplifies the payment process and can lead to further discounts,

Mercury offers discounts like bundling, multiple car and safe driving. It does not provide the good student discount. Mercury's affordability is noteworthy, with a score of 37 (out of 40). This score, coupled with decent satisfaction (21 out of 25) and coverage (8 out of 10) scores, positions Mercury as a competitive choice for consumers.

Average Cost of Car Insurance in Clovis

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.

AnaheimAnnual Premium$1,521
AntiochAnnual Premium$1,471
ArdenAnnual Premium$1,491
BakersfieldAnnual Premium$1,298
BerkeleyAnnual Premium$1,393
BurbankAnnual Premium$1,834
CarlsbadAnnual Premium$1,276
Chula VistaAnnual Premium$1,237
ClovisAnnual Premium$1,305
ConcordAnnual Premium$1,378
CoronaAnnual Premium$1,425
Costa MesaAnnual Premium$1,404
Daly CityAnnual Premium$1,592
DowneyAnnual Premium$1,625
East Los AngelesAnnual Premium$1,669
El CajonAnnual Premium$1,341
El MonteAnnual Premium$1,661
Elk GroveAnnual Premium$1,434
EscondidoAnnual Premium$1,290
FairfieldAnnual Premium$1,301
FontanaAnnual Premium$1,460
FremontAnnual Premium$1,353
FresnoAnnual Premium$1,348
FullertonAnnual Premium$1,551
Garden GroveAnnual Premium$1,567
GlendaleAnnual Premium$2,260
HaywardAnnual Premium$1,446
Huntington BeachAnnual Premium$1,423
InglewoodAnnual Premium$1,820
IrvineAnnual Premium$1,485
Jurupa ValleyAnnual Premium$1,402
LancasterAnnual Premium$1,552
Long BeachAnnual Premium$1,570
Los AngelesAnnual Premium$1,985
ModestoAnnual Premium$1,477
Moreno ValleyAnnual Premium$1,443
MurrietaAnnual Premium$1,320
NorwalkAnnual Premium$1,544
OaklandAnnual Premium$1,545
OceansideAnnual Premium$1,303
OntarioAnnual Premium$1,454
OrangeAnnual Premium$1,366
OxnardAnnual Premium$1,338
PalmdaleAnnual Premium$1,602
PasadenaAnnual Premium$1,672
PomonaAnnual Premium$1,519
Rancho CucamongaAnnual Premium$1,401
RialtoAnnual Premium$1,467
RichmondAnnual Premium$1,457
RiversideAnnual Premium$1,438
RosevilleAnnual Premium$1,364
SacramentoAnnual Premium$1,397
SalinasAnnual Premium$1,259
San BernardinoAnnual Premium$1,455
San DiegoAnnual Premium$1,259
San FranciscoAnnual Premium$1,553
San JoseAnnual Premium$1,338
San MateoAnnual Premium$1,301
Santa AnaAnnual Premium$1,471
Santa ClaraAnnual Premium$1,332
Santa ClaritaAnnual Premium$1,523
Santa MariaAnnual Premium$1,168
Santa RosaAnnual Premium$1,385
Simi ValleyAnnual Premium$1,429
StocktonAnnual Premium$1,489
SunnyvaleAnnual Premium$1,325
TemeculaAnnual Premium$1,338
Thousand OaksAnnual Premium$1,490
TorranceAnnual Premium$1,418
VallejoAnnual Premium$1,444
VenturaAnnual Premium$1,251
VictorvilleAnnual Premium$1,482
VisaliaAnnual Premium$1,241
VistaAnnual Premium$1,267
West CovinaAnnual Premium$1,555

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick 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 knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.