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Jerry Data & Research
Cheapest car insurance in Fresno, California (Nov 2024)
Cheapest car insurance in Fresno, California (Nov 2024)
Compare 55+ insurance companies including Progressive, Travelers, AAA, Nationwide (and more!) to find the best and cheapest car insurance in Fresno, California.
Find Insurance Savings
No long forms
No spam or unwanted calls
Quotes from top insurance companies
Maria Cruz
Expert Insurance Writer & Editor
Reviewed by Josh Damico, Vice President Insurance Operations
Edited by Amy Bobinger, Licensed Insurance Agent — Expert Insurance Editor
What's on this page?
- Cheapest car insurance quotes in Fresno
- Best car insurance companies in Fresno
- Best cheap car insurance quotes in Fresno
- Average cost of car insurance in Fresno
- Car insurance quotes in Fresno by rating factors
- How do different factors impact your car insurance costs in Fresno?
- How to lower car insurance costs in Fresno
- FAQ
- Methodology
- Meet our experts
Load full table of contents
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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|
| Progressive | $262 | Steve, 26 Zip: 93722 | Honda Civic LX | • State Minimum Liability • Comp / Collision |
| Travelers | $127 | Addie, 49 Zip: 93704 | Honda Civic Sport | • 100,000/300,000 Liability • Comp / Collision |
| Safeco | $185 | Dylan, 65 Zip: 93725 | Hyundai Santa FE SE | • 100,000/300,000 Liability • Comp / Collision |
| AAA | $152 | Willie, 27 Zip: 93727 | Toyota Corolla LE | • 50,000/100,000 Liability • Comp / Collision |
| National General | $96 | Glen, 23 Zip: 93711 | Honda Accord Hybrid Sport | • State Minimum Liability |
Last Updated Nov 19, 2024Best 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.
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.
"Jerry is the new benchmark in app usefulness. Period. It is SO EASY and the results are SO GOOD, and they specifically point out that no one is going to start calling and emailing me all the time. I gave very little info, it pulled up all my existing insurance info, and showed me how to get the same insurance for less, lesser coverage for huge savings, or better coverage for about the same I currently pay. I am personally saving around $1,400/year with my new insurance, and the entire process (including follow ups to sign the docs from the insurance companies) took less than an hour. If you make over $1,400/hour, this may not be worth your time. Otherwise, get the app and use it now!"
Sean S.
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.
Compare car insurance costs in other states
Car insurance quotes in Fresno by rating factors
- 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?
How do different factors impact your car insurance costs in Fresno?
Allowed (with applicable limitations): Driving experience, marital status, zip code.
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.
Bill (39 years old)
$229
per month
Cody (33 years old)
$62
per month
Clearcover
Lucas (31 years old)
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Fresno, 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 type | Insurance company | Premium (monthly) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
At Fault With Injury | Progressive | $144 | Ralph, 28 Zip: 93722 | Hyundai Accent SE | • State Minimum Liability • Comp / Collision |
At Fault With No Injury | Safeco | $185 | Jim, 64 Zip: 93725 | Hyundai Santa FE SE | • 100,000/300,000 Liability • Comp / Collision |
Not At Fault | Travelers | $133 | Georgia, 31 Zip: 93720 | Toyota Prius | • 100,000/300,000 Liability • Comp / Collision |
At Fault With No Injury | Allstate | $96 | Stephen, 35 Zip: 93720 | BMW 328 i | • 25,000/50,000 Liability • Comp / Collision |
Last Updated Nov 19, 2024Cheapest 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) | Customer | Car | Insurance coverage |
|---|---|---|---|---|---|
Illegal Turn | Progressive | $157 | Brent, 47 Zip: 93710 | Hyundai Elantra SE | • State Minimum Liability • Comp / Collision |
Failure to Obey Signal | Travelers | $179 | Vincent, 23 Zip: 93701 | GMC NEW Sierra C1500 | • State Minimum Liability • Comp / Collision |
Wrong Way/Wrong Lane | Bristol West | $278 | Nathaniel, 21 Zip: 93722 | Chevrolet Camaro SS | • State Minimum Liability |
Cell Phone | Allstate | $481 | Jacob, 31 Zip: 93705 | Toyota Camry LE | • 50,000/100,000 Liability • Comp / Collision |
Careless Driving | National General | $91 | Ronnie, 36 Zip: 93727 | Lincoln MKX | • State Minimum Liability • Comp / Collision |
Driving on Sus. License | Clearcover | $198 | Jennie, 30 Zip: 93702 | Dodge Charger SRT-8 | • 25,000/50,000 Liability |
Failure to Stop | Nationwide | $75 | Alex, 26 Zip: 93702 | GMC Yukon Denali | • State Minimum Liability |
Last Updated Nov 21, 2024Cheapest 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.Mathilda (24 years old)
$195
per month
Eddie (24 years old)
$109
per month
Clearcover
Myrtle (23 years old)
$184
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. Adrian (80 years old)
$100
per month
Derek (65 years old)
$65
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.
Ralph (28 years old)
$144
per month
Clearcover
Zachary (36 years old)
Currently Insured
Coverage25,000 per person
50,000 per accident bodily injury
Comp / Collision
Fresno, CA (Zip Code: 93710)
$99
per month
Over 4,000,000 customers and counting
We love saving our customers money. Turns out, they love it too! Here's what they have to say about their switch with Jerry:
Grateful for this app and helping me save money!
Aaron
Fast and friendly service!
Carlisa
Everything is super easy to access in the app and I can get ahold of someone anytime I need!
Alecia
The General is affordable and will work with you on your monthly payments.
Curtis
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:
| Popular Car | Insurance Company | Premium (monthly) | Customer | Insurance Coverage |
|---|---|---|---|---|
| Toyota Camry LE | Progressive | $94 | Elijah, 29 Zip: 93722 | • State Minimum Liability |
| Honda Civic Sport | Travelers | $127 | Elva, 48 Zip: 93704 | • 100,000/300,000 Liability • Comp / Collision |
| Toyota Prius Prime | Bristol West | $564 | Jessie, 31 Zip: 93705 | • State Minimum Liability • Comp / Collision |
Last Updated Nov 21, 2024How 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:
- $30,000 for bodily injury liability per accident
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
Maria Cruz
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.
Amy Bobinger
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.
Josh Damico
Head Of Insurance Operations
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.