Average car insurance cost in Fresno, CA

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Based on an analysis by Insure.com, the typical car insurance expense in Fresno, California is $2,385 annually. Furthermore, car insurance premiums in Fresno are $31 less than compared to the state average in California and $490 more than the national average.

Car insurance premiums differ widely depending on the location, city demographics, population density, average resident age, accident rates, and theft and vandalism.

This article looks at the most affordable car insurance companies in Fresno, the average car insurance rates by age and gender, and the costs in Fresno based on coverage limits.

Whether you’re a new or experienced driver, this article will guide you in finding the most affordable car insurance in Fresno. Keep reading to learn more.

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:

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

Based on an analysis by Insure.com, female drivers in Fresno, California pay an average annual car insurance premium of $2,385. In comparison, male drivers pay $2,385 annually, which is equals to what female drivers pay.

According to the Insurance Information Institute, statistics indicate that women are generally considered safer drivers than men. Also, women pay less for car insurance due to the lower rate of severe accidents.

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 depicts the average annual rates for drivers of different age groups:

Car insurance rate trends in Fresno

Examining the trends in car insurance rates in Fresno, California, there was an upward trend from 2022 to 2023. Between 2022 and 2023, rates increase overall by 16% or $326.

The table below illustrates the trend over the three years:

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,” Accessed September 2024.
• Insurance Information Institute. “Auto insurance for teen drivers,” Accessed September 2024.
• Insurance Information Institute. “Senior driving safety and tips,” Accessed September 2024.

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.

Prachi Singh

Contributing Researcher

 

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Prachi is an insurance writer with a master’s degree in business administration. Through her writing, she hopes to help readers make smart and informed decisions about their finances. She loves to travel and write poetry.