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The average car insurance cost in Fresno, California is $2,385 per year, according to Insure.com data. This is $31 less than the average auto insurance cost in California and $490 more than the national average, as analyzed by Insure.com.
| City average rates | State average rates | National average cost |
|---|---|---|
| $2,385 | $2,416 | $1,895 |
The rates can vary wildly depending on where they are filed. City demographics, including population density and average resident age, will affect how much money you spend on premiums which could make it cheaper or more expensive than other areas with different factors like accident rates, theft and vandalism rates, etc.
The article covers information on – the cheapest car insurance providers in Fresno, the average car insurance rates by age, gender and how much is car insurance in Fresno based on coverage limits. Whether you’re a new driver or have been driving for years, this article can help you find the best deal on cheap car insurance in Fresno. Read on to learn more.
Key Takeaways
- The average car insurance cost in Fresno, California is $2,385 per year.
- GEICO offers the cheapest car insurance in Fresno, at an average of $1,849 per year.
- Young adults pay $3,584 per year for car insurance in Fresno.
Cheap car insurance companies in Fresno
GEICO offers the cheapest car insurance in Fresno, at an average of $1,849 per year with full coverage limits of 100/300/100.
The second cheapest company in Fresno is Mercury Insurance, offering car insurance rates at $1,954 per year.
As mentioned earlier, car insurance rates vary from one company to another because the factors used to calculate rates vary by insurer. Therefore, comparing quotes from multiple insurers is recommended to find cheap car insurance rates in Fresno before deciding on the policy that matches your requirements.
The table below lists the average annual and monthly costs for the various car insurance companies providing coverage in Fresno, California:
| Company Name | Average annual cost | Average monthly cost |
|---|---|---|
| GEICO | $1,849 | $154 |
| Mercury Insurance | $1,954 | $163 |
| Progressive | $2,059 | $172 |
| Kemper | $2,217 | $185 |
| Travelers | $2,424 | $202 |
| Auto Club Enterprises (AAA) | $2,493 | $208 |
| Allstate | $2,552 | $213 |
| CSAA Insurance (AAA) | $2,656 | $221 |
| State Farm | $2,723 | $227 |
| Nationwide | $2,741 | $228 |
| Farmers | $3,112 | $259 |
| USAA | $1,849 | $154 |
Read about the best car insurance companies.
Average car insurance cost in Fresno by coverage limits
In Fresno, the average car insurance rates based on coverage types are as follows:
- State minimum coverage: $565 per year (limits are 25/50/25)
- Liability only coverage: $894 per year (limits are 50/100/50)
- Full coverage: $2,385 per year (limits are 100/300/100)
- Non-owners coverage: $307 per year
In most states, drivers must have the state minimum coverage to drive legally, but these vary by state. However, state minimum coverage does not cover any vehicles listed on your policy in an at-fault accident.
To avoid compromising on the coverage and pay out-of-pocket expenses, it is better to have full coverage or non-owner coverage if you don’t own a car but borrow or rent one frequently.
Average car insurance rates by gender in Fresno
The average car insurance rate for a female driver in Fresno, California, is $2,385 per year.
While the rate for a male driver is $2,385 per year, which is equals to what female drivers pay, according to a rate analysis by Insure.com.
Women are considered to be safer drivers than men, and statistics have proved this, according to the Insurance Information Institute. They often pay less for auto insurance because of their lower rate of severe accidents than men.
Read more on how gender affects car insurance rates.
Average car insurance rates by age in Fresno
In Fresno, car insurance rates are the highest for teens, at $6,145 per year or $512 per month. The rates are higher for teenagers (16- to 19-year-olds) as they are more prone to road accidents due to their lack of experience on the road, according to the Insurance Information Institute. There are driving laws for teens to help them drive better. Also, teen insurance rates can be lowered by adding teens to a parent’s auto insurance policy.
Car insurance rates are bound to decrease as teens grow older and earn a good driving record. Young adults pay $3,584 per year for their car insurance which is $2,561 less than what the teens pay for their insurance policy.
The car insurance rates in Fresno for adult and senior drivers are $2,429 and $2,393 per year respectively.
The car insurance rates for adults and seniors are lower than those for teens and young adults. “This is because they are more likely to obey the speed limits and follow the rules of the road,” says the Insurance Information Institute.
Read more on auto insurance for seniors.
The table below lists the average annual rates for drivers of different age groups:
| Teens (16- to 19-year-olds) | Young adults (20- to 24-year-olds) | Adults (25- to 55-year-olds) | Seniors (60- to 75-year-olds) |
|---|---|---|---|
| $6,145 | $3,584 | $2,429 | $2,393 |
Car insurance rate trends in Fresno
If we look at the car insurance rates trends in Fresno, California, it was on an upward swing from 2022 to 2023. From 2022 to 2023, the rates increase overall by 16%, or $326.
The table below shows the trend for last four years:
| 2016 rates | 2019 rates | 2022 rates | 2023 rates |
|---|---|---|---|
| $1,574 | $2,030 | $2,059 | $2,385 |
Conclusion
In conclusion, the insurance rates in Fresno, are lower than the average insurance cost in California. Shopping around and taking advantage of available discounts, drivers in Fresno can find affordable car insurance options. Additionally, many car insurance companies offer discounts for customers who purchase multiple policies through the same company.
Sources
- Insurance Information Institute. “What determines the price of my auto insurance policy“
- Insurance Information Institute. “Auto insurance for teen drivers“
- Insurance Information Institute. “Senior driving safety and tips“
Methodology
Insure.com team worked with Quadrant Information Service to get car insurance data. To determine the average premiums, our team of data analysts and expert editors have analyzed 53,409,632 insurance quotes from 170 insurance companies across 34,588 ZIP codes.
The insurance rates are based on a sample profile of a 40-year-old male and female driver with a clean driving record and a good insurance score. Quotes premiums are for a full coverage policy with limits:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
The quoted insurance rates are for comparison purposes, and your individual rates may vary.
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