Home Car insurance Car insurance rates by state California Fresno, CA Average car insurance cost in Fresno, CA In Fresno, California, the average car insurance costs $2,059 per year or $172 per month, based on a 2022 rate analysis by Insure.com. Written by: Prachi Singh Prachi Singh 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. | Reviewed by: Laura Longero Laura Longero Laura Longero is a content strategist and communications leader with more than 15 years of experience in content development in journalism, marketing and communications for start-ups to global companies. She started her career as a reporter and editor and honed her journalistic skills at the USA Today Network, working in several roles, as well as managing content and writing at MoneyGeek and XYZ Media. | Updated on September 21, 2023 Why you should trust Insure.com Quality Verified At Insure.com, we are committed to providing honest and reliable information so that you can make the best financial decisions for you and your family. All of our content is written and reviewed by industry professionals and insurance experts. We maintain strict editorial independence from insurance companies to maintain editorial integrity, so our recommendations are unbiased and are based on a comprehensive list of criteria. The average car insurance cost in Fresno, California is $2,059 per year, according to 2022 Insure.com data. This is $56 less than the average auto insurance cost in California and $377 more than the national average, as analyzed by Insure.com.Average cost in FresnoAverage cost in CaliforniaNational average cost$2,059$2,115$1,682The 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.Helpful car insurance calculators:California car insurance calculatorMonthly car insurance calculatorFull coverage car insurance calculatorState minimum car insurance calculatorLiability coverage car insurance calculatorKey TakeawaysThe average car insurance cost in Fresno, California is $2,059 per year.Progressive offers the cheapest car insurance in Fresno, at an average of $1,416 per year.Young adults pay $3,116 per year for car insurance in Fresno.Cheap car insurance companies in Fresno Progressive offers the cheapest car insurance in Fresno, at an average of $1,416 per year with full coverage limits of 100/300/100. The second cheapest company in Fresno is USAA, offering car insurance rates at $1,512 per year. USAA offers car insurance only to members of the military, veterans and their immediate families. 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 NameAverage annual costAverage monthly costProgressive$1,416$118USAA$1,512$126Geico$1,547$129Mercury Insurance$1,578$132Auto Club$2,061$172Kemper Insurance$2,072$173Allstate$2,117$176Auto-Owners$2,143$179Travelers$2,234$186Nationwide$2,241$187State Farm$2,334$195The Hartford$2,385$199Farmers Insurance$2,408$201CSAA Insurance$2,428$202Read about the best car insurance companies for 2022.Average car insurance cost in Fresno by coverage limitsIn Fresno, the average car insurance rates based on coverage types are as follows: State minimum coverage: $583 per year (limits are 25/50/25)Liability only coverage: $875 per year (limits are 50/100/50)Full coverage: $2,059 per year (limits are 100/300/100)Non-owners coverage: $325 per yearIn 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 FresnoThe average car insurance rate for a female driver in Fresno, California, is $2,059 per year.While the rate for a male driver is $2,059 per year, which is same as what female drivers pay, according to a 2022 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 FresnoIn Fresno, car insurance rates are the highest for teens, at $5,189 per year or $432 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 $3,116 per year for their car insurance which is $2073 less than what the teens pay for their insurance policy. The car insurance rates in Fresno for adult and senior drivers are $2,117 and $2,072 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: Age groupAverage annual ratesTeens (16- to 19-year-olds)$5,189Young adults (20- to 24-year-olds)$3,116Adults (25- to 55-year-olds)$2,117Seniors (60- to 75-year-olds)$2,072Car insurance rate trends in Fresno If we look at the car insurance rates trends in Fresno, California, it was on an upward swing from 2016 to 2019. From 2019 to 2022, the rates increased overall by 2%, or $46.The table below shows the trend for three years:2016 rates2019 rates2022 rates$1,565$2,013$2,059Conclusion 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 June 2022.Insurance Information Institute. “Auto insurance for teen drivers,” Accessed June 2022.Insurance Information Institute. “Senior driving safety and tips,” Accessed June 2022.Methodology Insure.com, with the help of Quadrant Information Services, gathered data for car insurance rates in Fresno, California. The averages are rounded to their nearest sums. The data is based on the sample profile of a 40-year-old male driver who commutes 12 miles to work. All rates are based on the profile of a driver with a clean driving record, good insurance score, and full coverage policy. The coverage limit for a full coverage policy is 100/300/100 liability with a $500 comprehensive and Collision deductible. How much is car insurance in other citiesLos AngelesSan DiegoSan JoseSan FranciscoPrachi SinghContributing Researcher  . .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. In case you missed it Best Car Insurance Companies of 2023 Car insurance rates by state: The most expensive and cheapest states for car ins... What is Full Coverage Car Insurance? A complete guide to car insurance costs for seniors A complete guide to adding a teenager to your car insurance policy What to do after a car accident that’s not your fault Total warfare: What to do when your auto insurer totals your car Car insurance claims: Who gets the claims check? Buying and insuring a used car: Most and least expensive models to insure in 202... The Best Car Insurance for Bad Credit of 2021 The best car insurance companies for speeding tickets Car insurance after a DUI Guide to Car Insurance Discounts Proper insurance coverage for college-bound children How to read (and actually understand!) your auto insurance policy Car Insurance Companies New driver insurance grace period: What you need to know How much do insurance agents make Autonomous cars: 5 delightful and 5 distressing things Busted! Part 1: How insurance companies spot bogus claims Insurance options for rideshare drivers 10 things that are illegal but shouldn’t be 1/1 Get instant quotes now ! Please enter valid zip Get Quotes