Compare the Cheapest Car Insurance Quotes in Fresno, CA

Fresno drivers pay an average of $1,325 for car insurance per year. That is less than the state average by $104. The cheapest insurer in the city is Esurance, costing $979 per year on average. MoneyGeek also ranked the cheapest companies across several coverage levels and driving profiles to enable drivers looking for high-quality and affordable coverage to find the best companies in Fresno.

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The Cheapest and Best Car Insurance in Fresno

The Cheapest Car Insurance Companies in Fresno

The lowest average car insurance rates for a full coverage policy in Fresno are from:

  • Esurance: $979 per year
  • USAA: $1,107 per year (only available to former and current military members)

MoneyGeek collected average auto insurance rates in Fresno based on a sample driver profile. In this study, the driver has a full coverage policy with liability insurance, as well as comprehensive and collision insurance.

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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.

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The Best Car Insurance Companies in Fresno

For Fresno drivers seeking to balance affordability and quality service, MoneyGeek’s scoring system lists the top companies in the city. Based on our exclusive rating system, the best auto insurance providers in Fresno for most drivers are:

  • AAA: MoneyGeek score of 90 out of 100
  • GEICO: MoneyGeek score of 90 out of 100

USAA received the highest score in Fresno by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek calculated the scores out of 100 by analyzing several factors, including customer satisfaction, financial stability and affordability scores from J.D. Power.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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.

Shopping around for car insurance in Fresno could save you $346, which is enough to buy:


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115Cups of Coffee
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27Months of Your Favorite Streaming Service

Cheapest Car Insurance in Fresno by Coverage Amount

In Fresno and elsewhere, the amount of coverage you purchase influences how much you pay for car insurance. A policy that only meets the state’s minimum requirements costs $622 on average per year. On the other hand, a full coverage policy with higher limits costs roughly $1,325, a difference of $703 per year.

California Minimum Liability Requirements

  • Item
    Description
  • 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: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Fresno if You Have Driving Violations

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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper 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
  • 6.
    Allstate
    $1,671
    $2,103
    $3,721
  • 7.
    Farmers
    $2,178
    $2,722
    $2,722
  • 8.
    CSAA
    $1,661
    $1,661
    $4,732
  • 9.
    State Farm
    $1,984
    $2,065
    $4,143
  • 10.
    Travelers
    $2,304
    $2,550
    $3,183
  • 11.
    Allied
    $2,183
    $2,506
    $3,764
  • 12.
    Hartford
    $2,384
    $3,366
    $5,587
  • 13.
    MetLife
    $1,688
    $2,188
    $8,202

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 Code
    State Minimumper year
  • 93720
    $1,261
  • 93727
    $1,288
  • 93722
    $1,373
  • 93702
    $1,376
iconribbontop ratedCar Insurance agentsFresno2021

Top Agents Offering Affordable Car Insurance in Fresno

1. Chris Souza - State Farm Insurance Agent371 E Bullard Ave, Ste 104, Fresno, CA, 93710
4 ratings
2. Nick Meigs - Goosehead Insurance Agent7675 N Ingram Ave, Ste 101, Fresno, CA, 93711
4 ratings
3. QuickBuy Insurance Services4708 N Blackstone Ave, Fresno, CA, 93726
3 ratings
4. A To Z Insurance Inc1209 E Shaw Ave, Fresno, CA, 93710
7 ratings
5. Fiesta Auto Insurance & Tax Service4919 N Blackstone Ave, Fresno, CA, 93726
5 ratings

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.

accident2 icon
Most Accidents With Fatalities233rd/300
handcuffs2 icon
Most Car Thefts250th/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall280th/300
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Most Rainy Days246th/300

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.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.