Who Has The Cheapest Auto Insurance Quotes in Fresno, CA?
Geico has the cheapest car insurance in Fresno, at $120 per month for full coverage and $43 per month for minimum liability insurance.
Find Cheap Auto Insurance Quotes in Fresno
Best cheap auto insurance in Fresno, CA
How we chose the top companies
Best and cheapest car insurance in Fresno, CA
- Cheapest full coverage: Geico, $120/mo
- Cheapest minimum liability: Geico, $43/mo
- Cheapest for young drivers: State Farm, $120/mo
- Cheapest after a ticket: Geico, $188/mo
- Cheapest after an accident: Mercury, $220/mo
- Cheapest for teens after a ticket: Geico, $148/mo
- Cheapest after a DUI: Mercury, $245/mo
Monthly rates based on full coverage car insurance for a 30-year-old man. Some rates use different ages or coverage limits.
Geico offers the best mix of affordable rates and dependable customer service for most Fresno drivers. People with military ties should also compare quotes from USAA.
Cheapest car insurance in Fresno: Geico
Geico has the most affordable full coverage car insurance in Fresno, CA.
At around $120 per month, a full coverage policy from Geico is $48 per month less than the citywide average. It's also $18 per month less than the second-cheapest company, Mercury.
Compare Car Insurance Rates in Fresno, California
The average cost of car insurance in Fresno is $168 per month for a full coverage policy. That's the same as the California state average.
Cheapest full coverage Fresno car insurance
Company | Monthly rate | |
|---|---|---|
| Geico | $120 |
| Mercury | $138 |
| Progressive | $141 |
| Allstate | $173 |
| State Farm | $180 |
*USAA is only available to current and former military members and their families.
Cheapest minimum liability insurance in Fresno: Geico
Geico has the best cheap minimum liability insurance in Fresno, at $43 per month, on average.
That's $17 per month cheaper than the Fresno average, and $10 per month less than the second-cheapest company, Progressive.
Best cheap minimum liability auto insurance in Fresno
Company | Monthly rate |
|---|---|
| Geico | $43 |
| Progressive | $53 |
| AAA NorCal | $55 |
| Mercury | $57 |
| State Farm | $63 |
*USAA is only available to current and former military members and their families.
Compare Car Insurance Rates in Fresno, California
Cheap auto insurance in Fresno for teens: State Farm
State Farm has the most affordable car insurance quotes for young drivers in Fresno.
A minimum liability policy from State Farm costs around $120 per month for an 18-year-old. That's $36 per month less than the citywide average.
State Farm also has the cheapest full coverage insurance for most Fresno teens. At $312 per month, full coverage from State Farm is $91 per month cheaper than average.
USAA offers even cheaper full coverage rates, at just $281 per month. However, only military members, veterans and some of their family members can buy car insurance from USAA.
Low cost auto insurance in Fresno, CA for teen drivers
Company | Liability only | Full coverage |
|---|---|---|
| State Farm | $120 | $312 |
| Geico | $131 | $313 |
| Mercury | $146 | $331 |
| Progressive | $161 | $423 |
| AAA NorCal | $181 | $601 |
*USAA is only available to current and former military members and their families.
Young drivers in Fresno pay about two and a half times more for car insurance than older, more experienced drivers.
Younger drivers typically pay much more for car insurance because they're less experienced than older adults and get in accidents more often.
Young drivers can save on insurance by sharing a policy with their parents or an older family member. A family policy is usually much cheaper than two separate policies.
Many insurance companies also have discounts geared towards young drivers. For example, State Farm's Steer Clear program offers a discount to young drivers who complete an online training course and practice with an older driver.
Cheapest Fresno insurance after a speeding ticket: Geico
Geico has the cheapest insurance for Fresno drivers with a recent speeding ticket. A full coverage policy from Geico costs $188 per month after one speeding ticket. That's $50 per month less than the Fresno average.
Cheap insurance quotes in Fresno after a speeding ticket
Company | Monthly rate |
|---|---|
| Geico | $188 |
| Mercury | $196 |
| Progressive | $217 |
| AAA NorCal | $246 |
| Allstate | $247 |
*USAA is only available to current and former military members and their families.
In Fresno, rates increase by about 42% after a single ticket, on average. A speeding ticket tells your insurance company you tend to take risks on the road. That means you're more likely to cause an accident in the future, which makes your insurance more expensive.
After a speeding ticket, you may be able to lower your rate by taking a defensive driving class.
Cheap insurance in Fresno, CA after an accident: Mercury
Mercury has the most affordable full coverage quotes in Fresno after an accident, at $220 per month. That's $117 per month less than the Fresno average, which is $336 per month.
Cheapest Fresno insurance companies after an accident
Company | Monthly rate |
|---|---|
| Mercury | $220 |
| Progressive | $233 |
| Geico | $306 |
| State Farm | $353 |
| AAA NorCal | $397 |
*USAA is only available to current and former military members and their families.
Car insurance quotes in Fresno more than double after an at-fault accident. That's an average increase of $169 per month for full coverage insurance.
Don't worry about trying to find the best rate right after your accident. Your rates won't go up until your current policy renews. But any quotes you get will consider your accident, so they'll probably be more expensive than your current rate.
Instead, wait until your insurance company sends your renewal offer. This usually comes a few weeks to a month before your policy expires. Then, you should shop for quotes from multiple companies to find the best policy for you.
Cheapest Fresno auto insurance for teens with a bad driving record: Geico
Geico has the most affordable car insurance quotes for Fresno teens with a speeding ticket or accident on their record.
After a speeding ticket, minimum liability coverage from Geico costs around $148 per month for an 18-year-old. That's $56 per month less than the Fresno average.
Teens with an at-fault accident on their record pay around $181 per month for minimum liability coverage from Geico. That's $50 per month cheaper than average.
Teens with
military ties
can get even cheaper rates at USAA. After a crash, a minimum liability policy from USAA costs only $161 per month.
Cheap auto insurance companies in Fresno for teens after a ticket or accident
Company | Ticket | Accident |
|---|---|---|
| Geico | $148 | $181 |
| State Farm | $191 | $200 |
| Mercury | $194 | $184 |
| Progressive | $208 | $233 |
| Allstate | $221 | $294 |
*USAA is only available to current and former military members and their families.
In Fresno, car insurance rates for teens go up by around 31% after one speeding ticket and 47% after an at-fault accident.
Cheap car insurance in Fresno, CA after a DUI: Mercury
Mercury has the most affordable full coverage insurance for Fresno drivers with a DUI, at $245 per month. That's $203 per month cheaper than the Fresno average, and $59 per month less than the second-cheapest company, Geico.
Cheapest Fresno car insurance quotes after a DUI
Company | Monthly rate |
|---|---|
| Mercury | $245 |
| Geico | $304 |
| Progressive | $340 |
| Farmers | $467 |
| Allstate | $672 |
*USAA is only available to current and former military members and their families.
One DUI raises full coverage rates by an average of $281 per month in Fresno. That's because insurance companies believe drivers with a DUI are much more likely to cause an accident in the future.
Fresno car insurance quotes by neighborhood
Prices for full coverage insurance vary by up to $30 per month between Fresno ZIP codes.
People living in the 93730 ZIP code, which is in the northern part of the city, pay the cheapest rates. The 93721 ZIP code, which is more centrally located, has the most expensive car insurance.
Where you live can have a big impact on your car insurance rates, even within a city. For example, if you live near a busy or narrow road with lots of crashes, you might pay more for coverage.
Full coverage car insurance quotes in Fresno, CA by ZIP code
ZIP | Monthly Rate | % from average |
|---|---|---|
| 93650 | $165 | -1% |
| 93701 | $181 | 9% |
| 93702 | $177 | 6% |
| 93703 | $172 | 3% |
| 93704 | $157 | -6% |
What's the best car insurance coverage in Fresno, CA?
Full coverage car insurance is the best choice for most people in Fresno.
That's because full coverage includes collision and comprehensive coverage, in addition to the legally required liability coverage.
- Collision coverage pays for damage to your car after a crash, regardless of who was at fault.
- Comprehensive coverage pays for damage to your car from something other than a collision, such as theft or a wildfire.
If you have a car loan or lease, your lender usually requires you to have collision and comprehensive coverage. You should also consider adding these coverages if your car is less than eight years old or worth more than $5,000.
In addition, minimum liability insurance in California may not have high enough limits to pay the full cost of a serious accident. For example, California only requires $15,000 of property damage liability coverage. If you hit and total a brand new Tesla, that won't be enough to cover the cost to fully replace it, and you'll have to pay the difference.
Frequently asked questions
Who has the best cheap auto insurance in Fresno, CA?
Geico offers the best combination of affordable rates and reliable customer service in Fresno. It has the cheapest full coverage rates, at around $120 per month. It's also the cheapest choice for minimum liability coverage, at $43 per month.
How much does auto insurance cost in Fresno, CA?
The average cost of full coverage car insurance in Fresno is $168 per month. That's the same as the California state average. Minimum liability coverage costs an average of $59 per month, which is $1 per month more than the California average.
How much is Progressive insurance in Fresno, CA?
Progressive charges an average of $141 per month for full coverage insurance in Fresno. That's $27 per month cheaper than average. However, it's $21 per month more than the cheapest company, Geico.
Methodology
To find the best cheap car insurance in Fresno, CA, ValuePenguin editors collected quotes from eight of California's largest insurance companies. Rates are for a 30-year-old man with a clean driving record and good credit who owns a 2015 Honda Civic EX.
Full coverage quotes include collision and comprehensive coverage along with higher liability limits than required in California.
- Bodily injury liability (BI): $50,000 per person and $100,000 per accident
- Property damage (PD): $25,000 per accident
- Uninsured and underinsured motorist BI: $50,000 per person and $100,000 per accident
- Comprehensive and collision: $500 deductible
This analysis used insurance rate data from Quadrant Information Services. These rates were publicly sourced from company filings and should be used for comparative purposes only. Your own quotes may be different.
California insurance rates in the statewide analysis included both AAA of Northern California and Auto Club of Southern California. However, Auto Club was eliminated from city averages and rankings because they don't offer insurance to Fresno residents.
Editorial Note: The content of this article is based on the author's opinions and recommendations alone. It has not been previewed, commissioned or otherwise endorsed by any of our network partners.