Cheapest car insurance quotes in Fresno
On average, auto insurance in Fresno costs about $104 per month for minimum coverage liability insurance, and about $200 per month for full coverage insurance. Fresno drivers pay 8% less than the California average.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Aspire Advantage | $183 | 26 | 93727 | Toyota Camry Se | State Minimum | Yes |
| Dairyland | $68 | 36 | 93701 | Lexus Is 250 | State Minimum | No |
| Aspire Advantage | $233 | 33 | 93722 | Toyota Prius Prime | State Minimum | Yes |
| Mercury | $456 | 21 | 93726 | Tesla Model 3 | State Minimum | Yes |
| Aspire Advantage | $48 | 45 | 93705 | Infiniti Q60 | State Minimum | No |
Best car insurance companies in Fresno
There is no single best car insurance company for everyone. The most important reason is that every customer gets different car insurance quotes based on their profile—meaning that the most affordable company is different for everyone.
To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation. While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.
The table below shows how drivers in Fresno rate different companies on a scale of 0 to 5.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| Progressive | 4.4 | 3.9 | 3.9 | 4.3 |
| USAA | 4.3 | 4.8 | 4.8 | 4.8 |
| Geico | 4 | 3.5 | 3.8 | 3.9 |
| State Farm | 3.9 | 3.3 | 3.7 | 4 |
| Liberty Mutual | 2.8 | 3.2 | 2.7 | 2.7 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Fresno
California minimum liability coverage includes:/li
- $15,000 in bodily injury liability per person
- $30,000 per accident
- $5,000 for damage to property
These coverages are commonly referred to as 15/30/5 coverage. With this basic liability coverage, you’ll be covered up to the policy’s limits if you cause injuries or property damage while driving.
Most drivers in Fresno need higher liability coverage than the 15/30/5 state minimum mandated by California car insurance laws.
In an at-fault accident, you could be responsible for medical bills and vehicle repairs well over the 15/30/5 limit, especially if you cause serious injuries to another person.
And keep in mind: California’s car accident laws allow drivers to file bodily injury lawsuits for up to two years after a car accident and sue for property damage for up to three years—so your liability extends long past the initial accident!
The bottom line: For better financial protection, drivers should consider full coverage with higher liability limits of 50/100/50 or 100/300/100.
Cheap full coverage car insurance quotes in Fresno
Full coverage car insurance is the only way to protect yourself from costs associated with repairing or replacing your car.
Full coverage includes comprehensive and collision coverage. Collision coverage covers the cost of fixing or replacing your car after an accident, while comprehensive coverage pays out if your car is stolen or damaged by something other than a collision, such as vandalism, theft, or natural disasters. If you have a loan on the car, your lender will typically require full coverage.
You can also purchase uninsured motorist coverage to guard against uncovered injuries or damage in an accident caused by a driver without car insurance.
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online. Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Fresno
By helping lots of drivers in Fresno find car insurance, we found that the average cost for minimum liability coverage is $104 per month or $1,248 per year. The average cost for full coverage insurance in Fresno is $200 per month or $2,405 per year.
While average insurance rates can help you predict your own insurance costs, it’s important to note that each driver’s insurance premium is calculated based on many factors such as the type of car, driving record, claims history, and demographics.
Car insurance quotes in Fresno by rating factors
Insurance companies in Fresno use many rating factors when deciding your auto insurance premium:
- Your driving record and claims history: Insurance companies will charge more if you’ve had accidents or tickets.
- ZIP code: If you live in an area prone to vehicle theft or vandalism, you may see higher premium costs over someone who lives in a safer area.
- Your age: Drivers younger than 25 years old will pay higher insurance rates as insurance companies consider young drivers a higher risk due to limited driving experience.
- The kind of car you have: Collision and comprehensive coverage are more costly for luxury, high-performance, and sports cars.
- Where you keep your car: Rates are likely higher if you regularly park your car in a neighborhood with a higher incidence of auto insurance claims.
- How you use your car: Insurance companies often charge more if you drive your car to and from work than use it for leisure.
Cheap car insurance quotes in Fresno after driving violations
Your California driving history impacts your auto insurance quotes. If insurance companies notice a history of violations, they’ll see you as a higher risk and charge a steeper rate. Some common violations that could increase your insurance rates include:
- Speeding
- DUIs
- At fault accident
- Reckless driving
- Driving on a suspended license
Cheapest car insurance in Fresno after DUI
In Fresno, a DUI violation can increase your insurance rate by as much as 22%. If you have a DUI offense on your record, car insurance rates can vary significantly from one insurance company to another. You may need to compare rates from many insurance companies to find low-cost options after a DUI.
Jerry has helped many Fresno drivers obtain affordable auto insurance rates after a DUI.
Cheapest car insurance in Fresno after an at-fault accident
One of the most important factors affecting car insurance rates is your car accident or claim history. For Fresno drivers, car accidents could result in an average rate increase of 15%.
California is an at-fault state. If you were involved in an at-fault accident in the recent past, your car insurance rates could skyrocket. Jerry has helped many Fresno drivers save on car insurance after accidents.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Not At Fault | Dairyland | $68 | 36 | 93701 | Lexus Is 250 | State Minimum | No |
| Not At Fault | Progressive | $52 | 61 | 93703 | Nissan Maxima S | State Minimum | No |
| Not At Fault | Bristol West | $238 | 23 | 93711 | Honda Accord Hybrid Sport | State Minimum | No |
| At Fault With No Injury | Aspire Advantage | $249 | 30 | 93722 | Nissan Sentra S | State Minimum | Yes |
| At Fault With No Injury | Bristol West | $83 | 31 | 93722 | Nissan Sentra Sv | State Minimum | No |
Cheapest car insurance in Fresno after other driving violations
In addition to speeding tickets and DUIs, other violations such as reckless driving and driving on a suspended license can also cause your in car insurance costs to increase in Fresno.
We’ve compiled a list of various other driving violations and how we helped drivers with these violations save on their car insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Liability Limits
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Driving on Sus. License | Aspire Advantage | $233 | 33 | 93722 | Toyota Prius Prime | State Minimum | Yes |
| Failure to show documents | Aspire Advantage | $37 | 29 | 93723 | Chevrolet Malibu Lt | State Minimum | No |
| Unsafe Operation of a Motor Vehicle | Aspire Advantage | $249 | 30 | 93722 | Nissan Sentra S | State Minimum | Yes |
| Unsafe Operation of a Motor Vehicle | Dairyland | $101 | 54 | 93703 | Chrysler Aspen Limited | 50/100 | No |
| Illegal Turn | National General | $150 | 48 | 93710 | Hyundai Elantra Se | State Minimum | No |
Cheapest car insurance in Fresno for young drivers
Teen drivers aged 16 to 19 pay the highest insurance rates out of any age group in Fresno. For teen car owners that drive a newer car, full coverage would afford better financial protection as teens are more likely to get into accidents—and staying on a parent’s policy is the best way to keep rates low.
Cheapest car insurance in Fresno for senior drivers
Older drivers in Fresno are more likely to be involved in an accident. Furthermore, they’re much more vulnerable to injuries after a car accident. All of this can be very expensive, which is why car insurance companies charge older adults in Fresno more for coverage.
Cheap car insurance quotes in Fresno based on insurance history
An important factor in your car insurance rates is your insurance history—i.e., whether you are currently insured or not. Any lapse in your insurance coverage usually leads to an increase in car insurance rates.
To help our customers make insurance payments on time and to avoid a lapse in coverage, Jerry sends payment reminders to eligible customers when a payment is coming up or if they’re late on their payments.
Cheap car insurance quotes in Fresno for popular cars
The type of car you drive is a major rating factor in car insurance premiums. Costs associated with the type of car include the cost of repairs or replacements, likelihood of theft, and the overall safety record of the vehicle.
Popular car models in Fresno include:
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Toyota Camry Se | Aspire Advantage | $183 | 26 | 93727 | State Minimum | Yes |
| Toyota Prius Prime | Aspire Advantage | $233 | 33 | 93722 | State Minimum | Yes |
| Honda Civic Ex | Aspire Advantage | $139 | 45 | 93706 | State Minimum | Yes |
| Toyota Prius | Aspire Advantage | $110 | 48 | 93726 | State Minimum | Yes |
| Toyota Camry Xse | Bristol West | $234 | 51 | 93722 | State Minimum | Yes |
Cheapest car insurance in Fresno for new vs. old car
A new car is typically more expensive to insure than an older car. We have found that the average insurance cost for a car older than 10 years is $80 per month in Fresno. The average cost for insuring a car less than four years old goes up to $119 per month.
How to lower car insurance costs in Fresno
1. Shop around and compare quotes
Different insurance companies use different rules to set your premium, and those rules are constantly changing! To make sure you always have the most affordable car insurance, experts recommend comparing quotes from at least three companies and shopping for new rates every six months.
2. Hunt for car insurance discounts
Every insurance company offers a set of discounts, but the exact discount offered varies by company. Some common discounts include:
- Good driver discounts.
- Telematics discounts.
- Good student discounts.
- Bundling discounts.
3. Increase your deductible for comprehensive and collision coverage
If you’ve got full coverage car insurance, increasing your deductible is an easy way to keep your monthly expenses low without sacrificing coverage.
FAQ
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Maria is an insurance writer with over 10 years of experience as a professional writer. Prior to joining Jerry’s editorial team in 2023, she worked at various online publications like Nimble Media, Factinate.com, and served as editor-in-chief at The Medium. She holds a double major in English and Professional Writing and Communications.
Expert insurance writer and editor Amy Bobinger specializes in car repair, car maintenance, and car insurance. Amy is passionate about creating content that helps consumers navigate challenges related to car ownership and achieve financial success in areas relating to cars. Amy has over 10 years of writing and editing experience. After several years as a freelance writer, Amy spent four years as an editing fellow at WikiHow, where she co-authored over 600 articles on topics including car maintenance and home ownership. Since joining Jerry’s editorial team in 2022, Amy has edited over 2,500 articles on car insurance, state driving laws, and car repair and maintenance.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.
