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Cheapest car insurance in Fresno, California (May 2024)

Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fresno, California.
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Maria Cruz
Expert Insurance Writer & Editor
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Reviewed by Josh Damico, Vice President Insurance Operations
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Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor

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 companyPremium (monthly)CustomerCarInsurance coverage
Progressive
$144
Jessie, 28
Zip: 93722
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
Nationwide
$224
Ivan, 23
Zip: 93705
Toyota Camry SE Night Shade
• 100,000/300,000 Liability
• Comp / Collision
Allstate
$96
Lucinda, 35
Zip: 93720
BMW 328 i
• 25,000/50,000 Liability
• Comp / Collision
Travelers
$127
Cornelia, 48
Zip: 93704
Honda Civic Sport
• 100,000/300,000 Liability
• Comp / Collision
National General
$174
Blake, 26
Zip: 93727
Toyota Camry
• State Minimum Liability
• Comp / Collision
coverageLast Updated May 28, 2024

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 companyOverall ratingPriceClaims experienceCustomer 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
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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:
  • $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.
Lower my car insurance too!

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.

How do different factors impact your car insurance costs in Fresno?

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Allowed (with applicable limitations): Driving experience, marital status, zip code.
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Prohibited (or effectively prohibited): Gender, age, credit history, education, occupation, employment status, insurance history.
Learn more about the car insurance rating factors in Fresno:

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.
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Minnie (38 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93727)
$229
per month
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Flora (27 years old)
coverageCoverage
20,000 per person
40,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93711)
$141
per month
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Antonio (31 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93702)
$85
per month
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Fannie (40 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93710)
carToyota Tundra Crewmax
$70
per month
card cover
Clearcover
Manuel (30 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93720)
$161
per month

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 typeInsurance companyPremium (monthly)CustomerCarInsurance coverage
At Fault With Injury
Progressive
$144
Beulah, 28
Zip: 93722
Hyundai Accent SE
• State Minimum Liability
• Comp / Collision
At Fault With No Injury
Safeco
$185
Beulah, 64
Zip: 93725
Hyundai Santa FE SE
• 100,000/300,000 Liability
• Comp / Collision
Not At Fault
Travelers
$133
Clifford, 31
Zip: 93720
Toyota Prius
• 100,000/300,000 Liability
• Comp / Collision
At Fault With No Injury
Allstate
$96
Mina, 35
Zip: 93720
BMW 328 i
• 25,000/50,000 Liability
• Comp / Collision
coverageLast Updated May 28, 2024

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.
ViolationInsurance companyPremium (monthly)CustomerCarInsurance coverage
Illegal Turn
Progressive
$157
Teresa, 47
Zip: 93710
Hyundai Elantra SE
• State Minimum Liability
• Comp / Collision
Failure to Obey Signal
Travelers
$179
Adeline, 23
Zip: 93701
GMC NEW Sierra C1500
• State Minimum Liability
• Comp / Collision
Wrong Way/Wrong Lane
Bristol West
$278
Carrie, 21
Zip: 93722
Chevrolet Camaro SS
• State Minimum Liability
Cell Phone
Allstate
$481
Troy, 31
Zip: 93705
Toyota Camry LE
• 50,000/100,000 Liability
• Comp / Collision
Careless Driving
National General
$91
Travis, 36
Zip: 93727
Lincoln MKX
• State Minimum Liability
• Comp / Collision
Driving on Sus. License
Clearcover
$198
Adeline, 30
Zip: 93702
Dodge Charger SRT-8
• 25,000/50,000 Liability
Failure to Stop
Nationwide
$75
Sally, 26
Zip: 93702
GMC Yukon Denali
• State Minimum Liability
coverageLast Updated May 26, 2024

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.
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Derrick (24 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93722)
$197
per month
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Leo (24 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93703)
$233
per month
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Ivan (23 years old)
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93705)
$224
per month
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Mabelle (23 years old)
coverageCoverage
50,000 per person
100,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93705)
$283
per month
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Edgar (23 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93702)
carHonda FIT LX
$156
per month

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.
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Estella (79 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93722)
$100
per month
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Charles (66 years old)
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93711)
$92
per month
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John (68 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93721)
$109
per month
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Arthur (67 years old)
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93704)
$169
per month

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.
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Beulah (28 years old)
Currently Insured
coverageCoverage
State Minimum
locationFresno, CA
(Zip Code: 93722)
$144
per month
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Nettie (40 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93722)
carFord F150 Supercrew
$208
per month
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Tillie (35 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93720)
carBMW 328 i
$96
per month
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Logan (48 years old)
Currently Insured
coverageCoverage
100,000 per person
300,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93704)
$127
per month
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Clearcover
Clarence (36 years old)
Currently Insured
coverageCoverage
25,000 per person
50,000 per accident bodily injury
Comp / Collision
locationFresno, CA
(Zip Code: 93710)
$99
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

How much is car insurance in Fresno?

People living in Fresno pay on average $104 per month – or $1,248 per year – on state-minimum liability coverage. Full coverage in Fresno costs on average $200 per month or $2,405 per year.
With car insurance though, there’s no such thing as average. Shopping around for car insurance quotes is the best way to get an accurate idea of how much you can expect to pay on insurance.

What is the cheapest car insurance in Fresno?

Based on thousands of Fresno drivers Jerry has worked with, car insurance in Fresno costs an average of $104 per month for state-minimum coverage and $200 per month for full coverage.
No single insurance company has the cheapest insurance for everyone, but by shopping for insurance quotes with Jerry, you can find the cheapest insurance company for you.

What is the best car insurance in Fresno?

Metlife, 
Encompass
, and Direct Auto receive good ratings from Fresno drivers, based on the largest car insurance survey in the nation conducted by Jerry.

What is the minimum car insurance in Fresno, California?

California's minimum insurance requirements—known as the 15/30/5 rule—mandate the following:

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.

Meet our experts

avatar
Maria Cruz
badge icon
Expert Insurance Writer & Editor
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.
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Amy Bobinger
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Licensed Insurance Agent — Expert Insurance Editor
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.
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Josh Damico
badge icon
Head Of Insurance Operations
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18+ Years Experience in Insurance
Josh Damico is Jerry’s vice president of insurance operations and a licensed insurance professional with nearly two decades of experience in the industry. Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities.  He holds a bachelor’s degree in business administration and management from Medaille College, and has appeared on news channels including FOX and CBS to offer insurance expertise and tips to drivers across the country. His work has appeared in Business Insider, Kelley Blue Book, and Digital Insurance and been quoted in The Balance, GOBankingRates, and Inspiring Workplaces.
*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.