Esurance is the cheapest insurer for most drivers in Clovis, including those with violations, but this may vary depending on your profile and needs. Progressive is cheapest for a state minimum policy, whereas USAA may be cheapest for drivers with a military background. AAA is the best insurer in Clovis for a balance of affordability and good customer service.
The Cheapest and Best Car Insurance in Clovis




The Cheapest Car Insurance Companies in Clovis
If you are looking for a full coverage policy, the cheapest car insurance companies in Clovis are:
- Esurance: $887 per year
- Progressive: $1,034 per year
Allied is the most expensive option for full coverage at $1,508 per year, which is 70% more than Esurance.
Rates for a full coverage policy may vary depending on the liability coverage you select. Full coverage policies usually carry comprehensive and collision insurance to cover the cost of damages to your car.
Cheapest Car Insurance in Clovis
- Company100/300/100per year
- 1.$887
- 2.$1,034
- 3.$1,103
- 4.$1,105
- 5.$1,114
MoneyGeek collected average car insurance rates in Clovis for a 40-year-old male driver purchasing a full coverage policy, in accordance with our methodology.
If you want a policy that will cover the cost of damages to your car, a full coverage policy is the best option. It costs more than a state minimum policy but includes comprehensive and collision coverage.
- Collision coverage: covers damages or loss caused in a collision with another vehicle or object
- Comprehensive coverage: covers damages or loss due to non-collision–related risks like theft or vandalism.
In cases where the value of your car is lower than the cost of a full coverage policy, you may want to opt for liability-only insurance or even state minimum car insurance to get more affordable rates.
Compare Car Insurance Rates in Clovis
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Cheapest Car Insurance in Clovis for Minimum Coverage
If you are looking for cheap car insurance in Clovis, a minimum coverage policy is the cheapest option. The most affordable insurers for a minimum coverage policy in Clovis are:
- Progressive: $460 per year
- GEICO: $461 per year
Progressive costs up to $300 less per year compared with Hartford, the most expensive option for minimum coverage in Clovis at $760 per year.
Buying a minimum coverage policy will help you save on car insurance premiums but you risk not being fully covered since it does not include comprehensive and collision insurance.
To see how much higher liability coverage costs, you can toggle the table below.
Cheapest Minimum Liability Car Insurance in Clovis
- CompanyState Minimumper year
- 1.$460
- 2.$461
- 3.CSAA$463
- 4.$469
- 5.$501
A state minimum coverage offers limited protection since it only carries the minimum liability limits for bodily injury and property damage that are mandated by California auto insurance laws. This means if you are at fault for an accident, you may incur high out-of-pocket costs.
For instance, the state minimum policy for Clovis has $5,000 property damage liability. This means if you cause an accident where the property damage is $15,000, you have to pay $10,000 out of pocket.
California Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Cheapest Car Insurance in Clovis if You Have Driving Violations
Having driving violations, such as speeding tickets or a DUI, can significantly increase the rates of car insurance in Clovis. For drivers with violations, the cheapest insurers in Clovis are:
- Cheapest after a ticket: Esurance, $1,116 per year
- Cheapest after an at-fault accident: Esurance, $1,378 per year
- Cheapest after a DUI: Mercury, $1,878 per year
Drivers in Clovis with poor records can seek to improve their records over time to get cheaper car insurance. However, in the meantime, it makes sense to shop around and find which companies are cheapest for violations.
Cheapest Car Insurance in Clovis With a Violation
- CompanySpeeding Ticketper year
- 1.$1,116
- 2.$1,207
- 3.CSAA$1,416
- 4.$1,427
- 5.$1,501
Average Cost of Car Insurance in Clovis
Average car insurance rates in Clovis are cheaper than the state and national car insurance averages by 14.1% and 13.8%, respectively. On average, you will pay $1,227 per year for car insurance in Clovis.
Personalized Quotes to Get You the Cheapest Car Insurance in Clovis
Car insurance quotes in Clovis are impacted by a variety of factors, including your driving history, age, gender, model of vehicle to be insured and location. Car insurance costs in Clovis can also vary significantly depending on the insurers so comparing quotes is important if you want to get the best rates.
Compare Car Insurance Rates in Clovis
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

The Best Car Insurance Companies in Clovis
MoneyGeek examined average premiums, claim histories and user satisfaction scores to determine the best auto insurance companies in Clovis.
Clovis's two best-rated car insurance companies are:
- AAA: MoneyGeek score of 92 out of 100
- Esurance: MoneyGeek score of 91 out of 100
MoneyGeek excluded USAA from its analysis because it only serves military personnel and their families. USAA is the third-best car insurance provider for military families in Clovis, with a MoneyGeek score of 83 out of 100.

As the best auto insurance provider in Clovis, AAA scored high for stability, satisfaction, claims and affordability. The company provides identity theft protection as additional coverage. According to MoneyGeek's data, the average annual cost of AAA car insurance is $1,129.
AAA members in Clovis can take advantage of additional coverage options. AAA, for example, offers roadside assistance, car lockout service and trip continuation coverage. Furthermore, AAA members have access to identity theft monitoring services.
Read MoneyGeek's AAA auto Insurance Review
Esurance is the second-best auto insurance provider in Clovis. The company offers custom parts coverage as an add-on to help safeguard your car's aftermarket upgrades. The average annual cost of an Esurance car insurance policy for a 40-year-old male driver in Clovis is $887.
Esurance offers add-on coverages, such as roadside assistance, rental car or travel reimbursement, gap insurance and custom parts coverage. Custom parts insurance, a rarely offered coverage, protects your car's aftermarket enhancements up to $4,000.
Read MoneyGeek's Esurance auto Insurance Review









Average Cost of Car Insurance by Postal Code
Depending on where you live, factors such as incidences of car thefts and the rate of traffic accidents can have an impact on car insurance costs in Clovis. The most expensive ZIP code in Clovis is 93612 with average car insurance rates of $1,259 per year, $63 higher than average rates for the cheapest ZIP code, 93611.
- Zip CodeState Minimumper year
- 93611$1,196
- 93612$1,259
Factors That Impact Insurance Costs in Clovis
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Clovis. How Clovis ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
