bestauto insuranceFresno2022Compare 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.
REVIEW AUTO INSURANCE RATES
Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.
Advertising & Editorial DisclosureLast Updated: 12/1/2022
Edited By |
Morgan Hull
Written By |
Mark Fitzpatrick
On average, Esurance delivers the cheapest insurance for ticketed drivers and individuals seeking full coverage policies. Progressive offers the cheapest liability insurance on average. For military members and their dependents, USAA's policies may be the lowest. MoneyGeek rated AAA the city's best car insurance company for its great service and affordability.
bestauto insuranceFresno2022The Cheapest and Best Car Insurance in Fresno
Cheapest Overall - Esurance
Cheapest State Minimum - Esurance
Cheapest With a Driving Violation - Esurance
Best Overall - AAA
The Cheapest Car Insurance Companies in Fresno
In Fresno, the following companies offer the most affordable full coverage policies to all, on average:
- Esurance: $979 per year
- Progressive: $1,108 per year
Military members and their families may be eligible for plans with USAA, which offers the second-cheapest yearly auto insurance rates at an annual average of $1,107.
Esurance's quote is the cheapest in the city, costing about 61% less than Farmers — the most expensive insurer in the city for a similar policy. A full coverage insurance policy in the city includes comprehensive and collision coverage. The total cost will depend on how much liability coverage you choose.
Cheapest Car Insurance in Fresno
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$979
- 2.$1,107
- 3.$1,108
- 4.$1,160
- 5.$1,187
MoneyGeek’s methodology used average car insurance rates for a 40-year-old male driver with a full coverage policy for this analysis. Along with liability insurance, a full coverage policy comprises the following two types of insurance, which increases costs:
- Collision coverage: covers your car from damages caused by collision with another vehicle or object
- Comprehensive coverage: pays for losses that aren't caused by a crash, such as theft and fire damage
If the cost of a full coverage car insurance policy exceeds the car's value, especially in the case of an older car, state minimum insurance or liability insurance may be a better option.
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 for Minimum Coverage
Insurance policies with minimum coverage are the cheapest in Fresno. For the city’s drivers, the following providers offer the cheapest average minimum liability insurance:
- GEICO: $475 per year
- Progressive: $485 per year
USAA offers the cheapest minimum coverage in Fresno, but the provider only offers policies to military members and their families. Its policy costs $455 per year on average.
GEICO's average quote is $365 less than Farmers', which costs $840 per year, on average. Minimum coverage plans are relatively inexpensive due to their lower coverage limits. However, due to their lack of comprehensive and collision coverage, drivers may be underinsured following an accident. The following table illustrates how rates fluctuate as liability limitations increase.
Cheapest Minimum Liability Car Insurance in Fresno
State Minimum
- CompanyState Minimumper year
- 1.$455
- 2.$475
- 3.$485
- 4.CSAA$524
- 5.$527
Drivers in California are required to carry a minimum of 15/30/5 liability insurance. State minimum policies may be the cheapest in Fresno but offer the least protection. In the event of an at-fault accident, your financial obligations increase even further.
For instance, if you caused an accident that costs $25,000 total, your liability insurance will only cover $5,000. This leaves you paying $20,000 out of your 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 Fresno if You Have Driving Violations
A traffic violation, such as a speeding ticket or a DUI, can significantly increase the cost of car insurance in Fresno. The following list includes the city's cheapest insurance plans after common traffic infractions, on average:
- Cheapest after a ticket: Esurance, $1,237 per year
- Cheapest after an at-fault accident: Esurance, $1,531 per year
- Cheapest after a DUI: Mercury, $2,104 per year
Regardless of the traffic offense, you can improve your driving record over time and reduce your future insurance rates. After receiving a ticket or becoming involved in an accident, compare insurance rates from multiple companies to find the most affordable policy.
Cheapest Car Insurance in Fresno With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$1,210
- 2.$1,237
- 3.CSAA$1,661
- 4.$1,671
- 5.$1,682
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.
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.
The Best Car Insurance Companies in Fresno
MoneyGeek found the best car insurance companies in Fresno by analyzing average rates, claims ratings and user satisfaction scores. Based on these factors, the top-rated car insurance companies in Fresno are:
- Esurance: MoneyGeek score of 90.4 out of 100
- AAA: MoneyGeek score of 85.8 out of 100
Because USAA only caters to military members and their families, MoneyGeek excluded it from this analysis. However, the insurer earned a MoneyGeek score of 88.2 out of 100, making it the second best car insurance company in Fresno for military families.
1
Esurance
Score:100
Esurance received excellent scores from MoneyGeek for user satisfaction and financial stability. However, the company fell short when it came to claims. On average, a full coverage Esurance policy costs $979 per year. Esurance policies have several rare coverage options, including custom parts coverage, gap insurance and rideshare insurance.
More About Esurance
With Esurance’s custom parts and equipment coverage, your aftermarket upgrades to your car, like a custom grill and aftermarket exhaust system, are covered up to a $4,000 limit. Gap insurance, another optional add-on coverage, will pay up to 25% more than your car's actual cash value to help you pay for your loan or lease. Rideshare insurance, also known as ShareSmart, ensures that drivers working for a ridesharing company receive the coverage included in their personal car insurance policies.
Read MoneyGeek's Esurance auto Insurance Review2
AAA
Score:100
With a perfect score for user claims and excellent scores for financial stability and user satisfaction, AAA ranked the second best car insurance company in Fresno. This insurer offers identity theft coverage, which is an add-on option rarely offered by other insurers. A full coverage policy costs $1,325 per year on average.
More About AAA
AAA offers identity theft coverage to cover a portion of the costs associated with identity theft. With this coverage, you can be reimbursed for expenses, such as legal fees or phone calls, associated with restoring your identity. It also offers common coverages like rental car and/or travel reimbursement. This optional coverage covers car rental and public transportation expenses if your car is not drivable after a loss or is in the shop for repairs. However, collision coverage is required to take advantage of this coverage.
Read MoneyGeek's AAA auto Insurance ReviewAverage 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
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.
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