There is no simple answer for how to find the best car insurance in Fresno — several factors influence how your rates are computed because insurance providers have to consider several risks associated with you as a driver. One of the factors that affect your car insurance quotes is your location. Additionally, there is no one-size-fits-all auto coverage policy, so for you to get the most accurate rates, you need to request a personalized quote from different companies in the city.
Compare the Cheapest Car Insurance Quotes in Fresno, CA
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Average Cost of Car Insurance in Fresno
Fresno$1,325
California$1,429
U.S.$1,424
In Fresno, the average cost of car insurance is $1,325 per year, which is slightly lower than both the California state average and the national average cost of auto coverage. Policyholders in Fresno pay around 7.3% less than the average annual cost in California, and around 7% less than the national average.
Compare Car Insurance Rates in Fresno
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Cheap Car Insurance Companies in Fresno
One way you can get the best bang for your buck is to compare rates from different car insurance companies in Fresno. Esurance is the most affordable insurance provider in the city. In fact, auto coverage from Esurance costs around 61.9% less than similar coverage with Farmers, Fresno’s most expensive car insurance company.
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- CompanyAmountper year
- 1. Esurance$979
- 2. USAA$1,107
- 3. Progressive$1,108
- 4. GEICO$1,160
- 5. Allstate$1,187
Personalized Quotes to Get You the Cheapest Car Insurance in Fresno
In addition to the driver’s residential location, insurance companies also consider age, driving record, coverage level and make and model of the vehicle when determining car insurance quotes in Fresno.
For example, in Fresno, an Esurance policy for a driver with a clean record costs about $552 less per year than similar coverage for a driver with an at-fault accident on their record. Since your personal circumstances may change over time, you need to regularly get a personalized quote from various car insurance companies in Fresno so you can obtain a plan that fulfills your individual needs.
Compare Car Insurance Rates in Fresno
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Fresno by Coverage Amount
How much car insurance coverage you purchase in Fresno also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.
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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.
One factor that influences the cost of car insurance in Fresno is the coverage level that you want for your policy. In Fresno, Progressive offers both 50/100/50 liability-only and full-coverage plans. To clarify, 50/100/50 liability-only insurance plans cover expenses of the other driver: $50,000 worth of medical bills per person, up to $100,000 per vehicle, with $50,000 worth of property damage coverage in case of an at-fault accident.
Progressive’s 50/100/50 full-coverage plan costs an average of $306 more than a 50/100/50 liability-only plan, but the latter also pays for your expenses in the event of an accident. This added expense could be worth it for you, especially if you are financing your vehicle or if it’s worth $4,000 or more.
Average Car Insurance Premiums by Coverage Type
Liability Only
- CompanyState Minimumper year50 / 100 / 50per year
- 1. Esurance$539$644
- 2. USAA$455$597
- 3. Progressive$485$683
- 4. GEICO$475$656
- 5. Mercury$527$733
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. Esurance$937$979
- 2. USAA$1,037$1,107
- 3. Progressive$989$1,108
- 4. GEICO$1,054$1,160
- 5. Mercury$1,189$1,285
Compare Car Insurance Rates in Fresno
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Fresno if You Have Tickets
Having higher car insurance rates is caused by several factors, including moving violations or at-fault accidents on your driving record. In Fresno, Esurance policyholders with an accident on their record will pay around $552 more for their car insurance than drivers with a clean record.
Car insurance companies in Fresno also take note of tickets or a DUI on your driving record. Compared to a driver with a clean record, a policy from Esurance will cost an average of $258 more for drivers with a speeding ticket, and if you have a DUI on your record, similar coverage from Esurance will cost around $1,447 more than if you have a clean record.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. Esurance$1,237$1,531$2,426
- 2. Mercury$1,682$2,218$2,104
- 3. USAA$1,210$1,927$3,127
- 4. GEICO$1,713$1,948$2,728
- 5. Progressive$2,126$2,321$2,679
Average Cost of Car Insurance by Postal Code
The figures for car-related crimes and uninsured motorists vary by ZIP code, so where you live in Fresno can influence how much your car insurance policy will cost. For example, policyholders living in ZIP code 93702 will pay about $115 more per year than drivers who live in ZIP code 93720.
- Zip CodeState Minimumper year
- 93720$1,261
- 93727$1,288
- 93722$1,373
- 93702$1,376
top ratedCar Insurance agentsFresno2021Top Agents Offering Affordable Car Insurance in Fresno
1. Chris Souza - State Farm Insurance Agent371 E Bullard Ave, Ste 104, Fresno, CA, 93710
2. Nick Meigs - Goosehead Insurance Agent7675 N Ingram Ave, Ste 101, Fresno, CA, 93711
3. QuickBuy Insurance Services4708 N Blackstone Ave, Fresno, CA, 93726
4. A To Z Insurance Inc1209 E Shaw Ave, Fresno, CA, 93710
5. Fiesta Auto Insurance & Tax Service4919 N Blackstone Ave, Fresno, CA, 93726
Insurance Providers That Serve Fresno
Factors That Impact Insurance Costs in Fresno
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of fatal accidents also contribute to car insurance rates in Fresno. How Fresno ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Shopping around for car insurance in Fresno could save you $346, which is enough to buy:
115Cups of Coffee
27Months of Your Favorite Streaming Service
Methodology and Assumptions
MoneyGeek’s average premium rates for Fresno are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
Compare Car Insurance Rates in Fresno
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
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