Cheap Car Insurance in Fresno

Written by Xuyun Zeng and 2 others
Updated Jan 8, 2025
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Cheap Car Insurance in Fresno

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Whether you’re driving around the gridded streets of downtown or hitting rural roads outside the city, proper car insurance can protect you and your finances as you navigate Fresno.

We’ve pulled together quotes from real Jerry customers in Fresno so you can see how different factors such as age, driving history, coverage needs and location can impact your car insurance costs.

Cheapest minimum coverage insurance in Fresno

California drivers must carry the following coverages, according to state law:

  • $30,000 per person for bodily injury liability.
  • $60,000 for bodily injury per accident for multiple persons injured.
  • $15,000 for property damage liability per accident.

These are the cheapest quotes for minimum coverage that drivers in Fresno have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$31 $369 National General 39 December 26, 2024 Fresno, CA 93703
$37 $442 Aspire Advantage 29 November 20, 2024 Fresno, CA 93723
$37 $442 Aspire Advantage 29 November 16, 2024 Fresno, CA 93723
$37 $442 Aspire Advantage 29 November 15, 2024 Fresno, CA 93723
$37 $442 Aspire Advantage 53 August 22, 2024 Fresno, CA 93727
$37 $449 Aspire Advantage 33 July 18, 2024 Fresno, CA 93726
$38 $450 Aspire Advantage 40 June 27, 2024 Fresno, CA 93702
$38 $450 Aspire Advantage 40 June 27, 2024 Fresno, CA 93702
$38 $461 Aspire Advantage 40 June 27, 2024 Fresno, CA 93701
$38 $461 Aspire Advantage 40 June 27, 2024 Fresno, CA 93701
Last Updated Jan 14, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need full coverage under a GAP policy, which can help you pay off your loan if your car is totaled.

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Cheapest full coverage insurance in Fresno

California’s minimum required insurance may not be enough protection if you’re concerned about car theft, vandalism or damage from bad weather. Full coverage, which combines collision and comprehensive insurances, provides protection in those situations.

Here are the cheapest quotes that Jerry customers received for full coverage in Fresno.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
$58 $691 Aspire Advantage 47 July 14, 2024 Fresno, CA 93705
$70 $845 National General 27 December 16, 2024 Fresno, CA 93727
$77 $920 Aspire Advantage 37 January 4, 2025 Fresno, CA 93727
$87 $1,038 Anchor General 41 December 30, 2024 Fresno, CA 93704
$87 $1,038 Anchor General 40 December 29, 2024 Fresno, CA 93704
$87 $1,046 Aspire Advantage 54 October 15, 2024 Fresno, CA 93720
$90 $1,085 Aspire Advantage 37 October 5, 2024 Fresno, CA 93723
$90 $1,085 Aspire Advantage 37 October 5, 2024 Fresno, CA 93723
$91 $1,097 Aspire Advantage 41 November 3, 2024 Fresno, CA 93710
$92 $1,102 National General 62 January 4, 2025 Fresno, CA 93721
Last Updated Jan 14, 2025

Cheapest car insurance for young drivers in Fresno (18-29 years old)

Drivers between 18 and 29 years old tend to pay higher premiums than older drivers because insurers may view their lack of experience as a risk. It’s wise to rate shop with multiple insurers to find the most affordable quote.

Here are the cheapest quotes that 18- to 29-year-olds have received in Fresno via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$37 $442 Aspire Advantage 29 No November 16, 2024 Fresno, CA 93723
$37 $442 Aspire Advantage 29 No November 15, 2024 Fresno, CA 93723
$37 $442 Aspire Advantage 29 No November 20, 2024 Fresno, CA 93723
$42 $500 Aspire Advantage 27 No September 19, 2024 Fresno, CA 93711
$47 $569 Aspire Advantage 27 No October 30, 2024 Fresno, CA 93727
Last Updated Jan 14, 2025

Cheapest car insurance for mature drivers in Fresno (30-54 years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$31 $369 National General 39 No December 26, 2024 Fresno, CA 93703
$37 $442 Aspire Advantage 53 No August 22, 2024 Fresno, CA 93727
$37 $449 Aspire Advantage 33 No July 18, 2024 Fresno, CA 93726
$38 $450 Aspire Advantage 40 No June 27, 2024 Fresno, CA 93702
$38 $450 Aspire Advantage 40 No June 27, 2024 Fresno, CA 93702
Last Updated Jan 14, 2025

Cheapest car insurance for older drivers (55+ years old)

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
$40 $481 Bristol West 61 No December 30, 2024 Fresno, CA 93726
$40 $481 Bristol West 60 No December 17, 2024 Fresno, CA 93726
$40 $481 Bristol West 60 No December 25, 2024 Fresno, CA 93726
$40 $481 Bristol West 60 No December 22, 2024 Fresno, CA 93726
$44 $526 National General 55 No January 2, 2025 Fresno, CA 93723
Last Updated Jan, 2025

Cheapest car insurance for drivers with clean records in Fresno

A blemish-free driving record can help ensure you get the cheapest car insurance quote possible. Here are the cheapest quotes that Fresno drivers with clean records have received via Jerry.

Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
Has Full Coverage
City, State
Zip Code
$37 $442 Aspire Advantage 53 August 22, 2024 No Fresno, CA 93727
$37 $449 Aspire Advantage 33 July 18, 2024 No Fresno, CA 93726
$38 $450 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93702
$38 $450 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93702
$38 $461 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93701
$38 $461 Aspire Advantage 41 June 27, 2024 No Fresno, CA 93701
$38 $461 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93701
$38 $461 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93701
$38 $461 Aspire Advantage 40 June 27, 2024 No Fresno, CA 93701
$38 $461 Aspire Advantage 41 June 27, 2024 No Fresno, CA 93701
Last Updated Jan 14, 2025

Cheapest car insurance for drivers with low credit scores in Fresno

Good-credit drivers often pay less for car insurance than those with lower scores. That doesn’t mean expensive insurance is inevitable, but it’s wise to get multiple quotes so you can choose the most affordable option.

Here are quotes that real Jerry customers with credit scores below 550 in Fresno received via Jerry.

Credit Score
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
<550 $37 $442 Aspire Advantage 29 November 20, 2024 Fresno, CA 93723
<550 $37 $442 Aspire Advantage 29 November 15, 2024 Fresno, CA 93723
<550 $37 $442 Aspire Advantage 29 November 16, 2024 Fresno, CA 93723
<550 $41 $489 Aspire Advantage 47 June 20, 2024 Fresno, CA 93710
<550 $42 $508 National General 32 October 28, 2024 Fresno, CA 93723
Last Updated Jan 14, 2025

Cheapest car insurance for drivers with at-fault accidents in Fresno

At-fault Accident on Record
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
Zip Code
At Fault With No Injury $42 $503 Aspire Advantage 41 No August 29, 2024 Fresno, CA 93737
At Fault With No Injury $42 $504 Aspire Advantage 41 No August 20, 2024 Fresno, CA 93737
At Fault With No Injury $46 $555 Aspire Advantage 35 No June 17, 2024 Fresno, CA 93710
At Fault With No Injury $47 $559 Dairyland 55 No August 5, 2024 Fresno, CA 93727
At Fault With No Injury $47 $568 Aspire Advantage 30 No August 1, 2024 Fresno, CA 93710
Last Updated Jan 14, 2025

Cheapest car insurance for drivers with speeding tickets in Fresno

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
Speeding under 15 $47 $560 Aspire Advantage 37 April 16, 2024 Fresno, CA 93704
Speeding under 15 $48 $571 Aspire Advantage 31 July 25, 2024 Fresno, CA 93706
Speeding under 15 $48 $571 Aspire Advantage 31 July 24, 2024 Fresno, CA 93706
Speeding under 15 $49 $584 Aspire Advantage 46 July 15, 2024 Fresno, CA 93720
Speeding under 15 $49 $593 Aspire Advantage 43 September 5, 2024 Fresno, CA 93722
Last Updated Jan 14, 2025

Cheapest car insurance for drivers with DUIs in Fresno

Violation Summary
Avg Monthly Quote
Avg Annual Quote
Insurance Company
Age
Date of Policy
City, State
Zip Code
DUI $31 $369 National General 39 December 26, 2024 Fresno, CA 93703
DUI $41 $498 National General 39 December 26, 2024 Fresno, CA 93703
DUI $46 $555 Aspire Advantage 35 June 17, 2024 Fresno, CA 93710
DUI $51 $614 National General 35 October 26, 2024 Fresno, CA 93710
DUI $53 $638 Aspire Advantage 37 September 26, 2024 Fresno, CA 93710
Last Updated Jan 14, 2025

Methodology

The Insurance Research Team analyzes insurance products and services to drive insights and help consumers make informed purchase decisions.

Insurance research

We analyzed over 25 million car insurance quotes; conducted the largest insurance shopping survey (over 15,000 customers surveyed and 85 carriers reviewed in the past 18 months).

We surveyed insurance policyholders for their experience with their insurers in the following areas: (1) insurance cost (2) customer service (3) insurance buying experience (4) insurance renewal experience (5) claim experience. In addition, we asked people what they like about their insurers and what areas in which their insurers could improve. The driver characteristics used in calculating average rates for auto insurance include: single driver, single car, currently insured, clean driving record.

For the quotes and sold policies included in this article, please note that personal information has been hidden. Not all customers find savings.

Team

The team consists of licensed insurance agents, insurance industry veterans, and data scientists.

For illustrative purposes only, results may vary

Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article represent the author’s personal opinions and do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.