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.
Compare the Cheapest Car Insurance Quotes in Fresno, CA
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
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.
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.
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:
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
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
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
Top Agents Offering Affordable Car Insurance in 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.
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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