Fresno, CA Car Insurance
How much does car insurance cost in Fresno?
Fresno's auto insurance rates are currently set at an average of $158 per month or $950 for a six-month policy. These figures are only $16 higher than the California state average of $950 and $224 higher than the national average of $742. In our research, we found Wawanesa to have the most affordable rates in Fresno, offering a six-month policy for $531.
While Fresno car insurance is expensive by national standards, Californians are accustomed to the average rates lying somewhere in this range. In turn, the majority of our Fresno customers used our service because they were just looking for car insurance. To learn more about the factors that affect car insurance pricing, continue reading.
| Car Insurance in Fresno vs. California | Avg. 6 Mo. Premium |
|---|---|
| California Average | $966 |
| Fresno Average | $950 |
The cheapest car insurance companies in Fresno
Like many parts of California, Wawanesa offers the cheapest rates in Fresno with six-month policies around $531.
GEICOÂ takes second place with average Fresno rates at $696 for six months ($116 per month).
A regional provider to the pacific northwest, Capital Insurance Group is a solid choice for coverage in Fresno. Average policies begin at $755 for six months.Â
The Zebra's key takeaways about car insurance in Fresno:
- The average cost of a car insurance policy in Fresno is $950 per six-month policy — or $158 per month.
- The cheapest company in Fresno is Wawanesa ($531 every six months).
- 31% of Zebra customers in Fresno stated they used our product because they were just looking for car insurance.
Are you paying too much for auto insurance?
Fresno car insurance rates by company
Fresno's cheapest full-coverage auto insurance provider in 2024, as determined by our research, is Wawanesa. The typical monthly cost for this coverage is $89, or $531 for a six-month policy. GEICO is the second most affordable option, with an average monthly rate of $116, or $696 for half a year.Â
Consult The Zebra's Customer Satisfaction Survey to learn more about the best car insurance companies.
Cheapest car insurance companies in Fresno, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $531 |
| GEICO | $696 |
| Capital Insurance Group | $755 |
| USAA | $792 |
| Progressive | $901 |
| Nationwide | $980 |
| Allstate | $1,009 |
| State Farm | $1,080 |
The Zebra’s Dynamic Insurance Rating Tool data methodology
The Zebra’s Dynamic Insurance Rating Tool for home and auto insurance rates utilizes the latest ZIP code-level rate filings from across the U.S., sourced from Quadrant Information Services and S&P Global. These filings, typically updated annually or biennially by insurers, are verified through Quadrant’s QA process and then integrated into The Zebra’s estimator.
The displayed rates are based on a dynamic home and auto profile designed to reflect the content of the page. This profile is tailored to match specific factors such as age, location, and coverage level, which are adjusted based on the page content to show how these variables can impact premiums.
For a comprehensive understanding, see our detailed methodology.
Shop around for the best rates
Finding cheap auto insurance doesn't have to be a daunting task. Let our comparison tool simplify the process for you, and you'll be on your way to significant savings. Enter your ZIP code now to view rates from top companies like State Farm, GEICO, Travelers, and more.
Average car insurance in Fresno by rating factor
There are numerous variables that insurance companies consider when calculating your car insurance cost. These rating factors are commonly utilized, but the significance of each factor can fluctuate depending on the insurer. Some may focus more heavily on credit scores, while others may analyze a driver's past driving history.
Your ideal insurance company may also alter over time, much like your coverage requirements will. Occasionally comparing quotes is an excellent method to ensure you're still receiving the best deal possible and have the right level of coverage.
Q: I didn't have an accident — Why is my insurance going up?
A:Â When it comes to car insurance rates in Fresno, end-of-year earnings play a significant role in determining the costs. Insurers in the bustling city must keep their costs under control while remaining competitive. Although you may never have made a claim, some insurance companies might charge you higher rates due to their earnings and expenses.
Auto insurance premiums by age in Fresno
Insurance companies determine the cost of your insurance premium by factoring in various variables, and age is a crucial element in this process. When assessing the risk, teen drivers tend to have a higher rate of accidents than other age groups. As a result, they face the highest costs in terms of car insurance. In Fresno, the difference in rates paid by teenage drivers and those in their 20s amounts to $1,269, representing a 105% increase.
This is the highest increase in cost among any other age group. However, it's important to remember that insurance companies are not targeting individuals, but rather offsetting the cost of paying claims, which makes rates higher for riskier drivers. The good news is that as one gains more driving experience and establishes a safe driving record, prices will eventually balance out.
Cheapest car insurance companies for teen drivers in Fresno, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $884 |
| GEICO | $1,633 |
| USAA | $1,744 |
| Capital Insurance Group | $1,758 |
| State Farm | $1,898 |
| Allstate | $2,186 |
| Progressive | $2,230 |
| Nationwide | $3,103 |
| Age Bracket | Cheapest Companies | Avg. 6 Mo. Premium |
|---|---|---|
| 20s | Wawanesa | $582 |
| 30s | Wawanesa | $474 |
| 40s | Wawanesa | $474 |
| 50s | Wawanesa | $474 |
| 60s | Wawanesa | $474 |
| 70s | Wawanesa | $465 |
Zebra Tip:Â The cheapest company for Fresno drivers across all age groups is Wawanesa
The research we conducted indicates that the majority of Fresno's driving population falls between the ages of 20 and 40. These drivers typically pay about $1,082 every half a year. By choosing one of the recommended insurance providers, drivers within this age range could potentially save up to 51%.
Auto insurance premiums for minimum coverage in Fresno
The amount of coverage you decide to get is a significant factor in determining your car insurance premium. Our data indicates that one-fourth of drivers in Fresno carry only the minimum state-required coverage, which can save you money in the short term but may not provide sufficient coverage in the event of a severe accident. In comparison, choosing collision coverage or comprehensive coverage (also referred to as "full coverage") will increase your premiums considerably, but it will also provide you with more comprehensive coverage than the bare minimum if you need to file a claim.
Full coverage usually involves a deductible, which can serve as a means of saving money while also providing peace of mind! The greater your deductible, the lower your premiums will be. Consider modifying your deductible if you want full coverage but need to lower your monthly payments.
Roadside assistance and uninsured motorist coverage extra that can provide a sense of security while driving. Carrying this type of coverage may also have an effect on your premium, but The Zebra advises having it to add an additional layer of protection on the road.
Q: Can I lower my car insurance coverage?
A: Possibly — if your vehicle is paid off.
Certain coverages will typically be required of you if you are leasing or financing your car. However, our data indicates that 47% of drivers in Fresno have fully paid off their vehicles. If you are one of these individuals and are considering dropping collision or comprehensive coverage, we recommend obtaining the actual cash value of your car first from a reputable source like Kelley Blue Book.
A general rule is that if your car is worth less than $4,000, you may be able to forgo collision coverage. This can save you money on your insurance premiums, but it also means that you will be responsible for paying for any repairs out of pocket in the event of a collision-type accident. The decision to keep full coverage on a lower-value vehicle is yours to make after weighing the pros and cons.
Cheapest car insurance companies for minimum coverage in Fresno, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| GEICO | $192 |
| USAA | $228 |
| Wawanesa | $235 |
| Progressive | $265 |
| Capital Insurance Group | $302 |
| Nationwide | $319 |
| Allstate | $349 |
| State Farm | $352 |
Most of our customers in Fresno opt for the basic level of coverage, but this may not be the best option for everyone. While we understand this is a budget-friendly solution, it does leave you at risk for damages that exceed your liability limits. California's 15/30/5 liability limits provide coverage for damage you cause up to $15,000 per person in bodily injury, $30,000 per accident in bodily injury and $5,000 for property damage. While this may be sufficient for most standard car accidents, it might not be for bodily injury claims or multi-vehicle accidents.
Learn more about insurance laws in California.
Fresno car insurance rates by credit score
Using a driver's credit score to influence premiums is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance each year. 65% of The Zebra's Fresno customers have a good (680-719) credit score.
Auto insurance rates with an at-fault accident
The most common types of insurance claims are those stemming from at-fault and collision-type accidents. Not only can such accidents cause immense stress and anxiety, but they can also cause your premiums to skyrocket. In Fresno in 2023, at-fault accidents caused an average monthly increase in car insurance rates of anywhere from $158 to $273. After an at-fault accident, the cheapest car insurance company in Fresno is Wawanesa.
The key to keeping your premiums affordable is to drive safely, whether you're in Fresno or any other city. Accidents can happen at any time, and they may not always be your fault. However, you can avoid traffic citations and violations by driving cautiously. Speeding, reckless driving, and DUI charges can all result in major rate hikes.
Cheapest car insurance companies after an at-fault accident in Fresno, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $798 |
| Capital Insurance Group | $1,107 |
| USAA | $1,123 |
| GEICO | $1,255 |
| Nationwide | $1,431 |
| State Farm | $1,703 |
| Progressive | $1,783 |
| Allstate | $2,187 |
Fresno car insurance rates by violation
Below you can see how much different violations and claims will increase your rate in Fresno.
Car insurance rate increases after violations and citations in Fresno, CA
Why is car insurance in Fresno so expensive?
Fresno is known for having very high auto insurance premiums. Several factors contribute to this, including the city's size and location in California's Central Valley, which is known for its high cost of living. When combined with other factors like age and driving record, it's no surprise that insurance rates in Fresno can quickly become unaffordable.
Below you'll find a rundown of why car insurance is so expensive in Fresno — regardless of your driving profile.
Insurance rates in Fresno depend on where you live. Your neighborhood plays a significant role in determining your insurance premiums. Why? It's because insurance companies consider the risks associated with your ZIP code. Crime rates, theft, and uninsured motorists differ from one area to another. Insurance companies are aware that some parts of Fresno have a higher crime rate, which means that if you live in one of those areas, you'll likely pay more for your insurance than someone living in a safer neighborhood.
Auto insurance rates in Fresno can vary significantly depending on your ZIP code. When you examine the list of ZIP codes, you'll notice that the difference between the cheapest and most expensive rates is approximately $146.
Expensive Fresno ZIP codes:Â 90010, 90210, 90028, 90038, 90017
Cheap Fresno ZIP codes:Â 90501, 90732, 90248, 90022, 90045
California is famous for its mild, pleasant weather. However, the state is still susceptible to natural disasters, especially wildfires. With over 9,200 fires and two million acres burned in 2021, California tops the list nationally for wildfire events.[1]
In the past, catastrophic damage caused by weather and other natural disasters has bankrupted insurance companies. While this is less likely to occur in California insurance companies will raise their rates to anticipate further weather-related losses. In fact, many companies have pulled out of the California homeowners insurance market due to wildfire risks.
Unlike the rural regions of California, where cars are comparatively fewer, Fresno's denser population leads to more cars on its roads, and consequently, a surge in accidents. These accidents typically trigger an increase in expenses associated with accident claims, and these additional costs are usually passed on to other drivers in the area, regardless of their driving habits. Our statistics reveal that nearly 32% of drivers in Fresno do not possess insurance. If you meet with an uninsured driver in Fresno and have an accident, you might need to foot the entire repair bill yourself.
Zebra Tip: Comprehensive coverage and uninsured property damage coverage are good to have in Fresno
According to statistics, around one in four drivers in Fremont are uninsured, leaving drivers at risk of being involved in accidents that insurance may not cover. One possible solution to this issue is to purchase uninsured motorist coverage (UMPD) which provides assistance in situations where the other party is uninsured or underinsured. UMPD also offers the added benefit of being typically more affordable than collision insurance, with a lower deductible and reduced rate increases after filing a claim.
Bundling insurance policies in Fresno
The costs of car insurance seem to be increasing no matter where you go. The silver lining is that Fresno drivers still have opportunities to save money on their auto insurance. The most straightforward approach to receiving a discount is to bundle multiple policies with one provider. If you have either renters or home insurance, it's worth your while to reach out to your insurance provider and inquire about combining your car insurance. Look into bundle discounts offered by other companies as well. By consolidating your premiums, you may be able to save as much as 10%. Learn all about the benefits of combining home and car insurance.
Cheapest car insurance companies for bundling home and auto insurance in Fresno, CA
| Company | Avg. 6 Mo. Premium |
|---|---|
| Wawanesa | $531 |
| Capital Insurance Group | $640 |
| GEICO | $696 |
| USAA | $716 |
| Nationwide | $741 |
| Progressive | $772 |
| State Farm | $853 |
| Allstate | $990 |
While there may be some variables beyond your control that affect your insurance rates in Fresno, you can still strive to maintain a positive profile while searching for insurance. Remember that you have choices when it comes to your insurance company! Even if you've been with the same provider since you first obtained auto insurance, it's worth considering other quotes to find the most affordable rate that also offers the coverage you need. Although switching providers can be challenging, some are pricier than others, and you always have the option to switch.
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.