Who Has The Cheapest Auto Insurance Quotes in Fresno, CA?
The cheapest car insurance in Fresno is from Geico, with full coverage rates at $116 per month and minimum coverage at just $36 per month.
Find Cheap Auto Insurance Quotes in Fresno
Best cheap car insurance in Fresno
Geico is the cheapest insurance company in Fresno, California. It has the best rates for both state-minimum and full-coverage policies.
Rates differ by your driving history, the car you own and where you live. So the only way to be sure you've found the best price is to get quotes from several companies.
Cheapest car insurance in Fresno: Geico
Drivers who want more protection should look at Geico, which offered a typical monthly rate of $116 for full coverage. That's 23% cheaper than the citywide average of $151 and $5 cheaper per month than the next option, Mercury Insurance.
Compare Car Insurance Rates in Fresno, California
Cheapest full-coverage car insurance in Fresno
Company | Monthly rate | |
|---|---|---|
| Geico | $116 |
| Mercury | $121 |
| Progressive | $128 |
| Allstate | $162 |
| State Farm | $169 |
Cheapest liability insurance quotes in Fresno: Geico
Drivers in Fresno looking for the best value on a minimum-coverage car insurance policy should look at Geico, Progressive and AAA of Northern California. These companies all offered a 30-year-old driver a year of minimum coverage for under $500 annually.
Geico was the absolute cheapest, at $36 per month. That made it 30% cheaper than the average rate across all companies, which was $624 annually.
Compare Car Insurance Rates in Fresno, California
Cheapest minimum-coverage car insurance in Fresno
Company | Monthly rate | |
|---|---|---|
|
| Geico | $36 |
|
| Progressive | $38 |
| AAA NorCal | $41 |
|
| Mercury | $44 |
|
| State Farm | $62 |
Cheapest car insurance for young drivers: Mercury Insurance
Younger drivers pay much more for car insurance because they're less experienced than older adults and get in accidents more often. Overall, the average price for an 18-year-old is $1,598 for minimum coverage, or 156% more than the same policy for a 30-year-old.
The most affordable option for an 18-year-old is Mercury Insurance, with minimum coverage for $1,290 ($108 per month). That's $308 less annually than the average rate. Geico and Progressive also had affordable rates.
Cheapest car insurance for Fresno teen drivers
Company | Monthly rate |
|---|---|
| Mercury Insurance | $108 |
| Geico | $109 |
| Progressive | $111 |
| State Farm | $119 |
| AAA NorCal | $132 |
| Farmers | $174 |
| Allstate | $179 |
Young drivers can cut down on insurance cost by sharing a policy with an older family member or qualifying for a .
Cheapest car insurance for drivers with a speeding ticket: Mercury Insurance
Getting a speeding ticket tells companies you take risks, so they often raise rates for drivers with a speed violation. In Fresno, you can expect your rates to increase by about 48% after a single ticket.
If you're looking to lower your rates after a ticket, try Mercury Insurance. They offered the cheapest rate for a full-coverage policy: $1,921 per year. That's $752 cheaper than the typical price across all companies.
After a speeding ticket, you may be able to lower your rate by taking a defensive driving class.
Cheapest car insurance for drivers with a speeding ticket
Company | Monthly rate |
|---|---|
| Mercury Insurance | $160 |
| Geico | $181 |
| AAA NorCal | $214 |
| Allstate | $235 |
| Progressive | $246 |
| State Farm | $259 |
| Farmers | $263 |
Cheapest car insurance in Fresno after an accident: Mercury
Being in an accident is one of the most common causes of increased insurance rates. Companies don't directly raise rates to recoup their losses, but they have found that drivers who have caused an accident are more likely to be involved in another. The result is the same: higher rates.
The typical insurance rate in Fresno after an accident is $3,602 — about double the price a driver with no accident on their record pays. But the typical rate from Mercury Insurance was only $2,189. That's $1,413 less than the average rate citywide.
Cheapest car insurance in Fresno after an accident
Company | Monthly rate |
|---|---|
| Mercury Insurance | $182 |
| Geico | $211 |
| Progressive | $265 |
| Farmers | $329 |
| State Farm | $335 |
| AAA NorCal | $346 |
| Allstate | $433 |
Cheapest car insurance for drivers with a DUI: Mercury Insurance
Insurance companies take DUIs very seriously. You'll likely see a big increase in your rates after being convicted of one. On average, companies increased full-coverage rates by 181% (to $5,088) after a single DUI.
Mercury Insurance had more affordable rates than most other companies for Fresno drivers: $2,403 per year for full coverage, or $200 per month. That's less than half of the overall average.
If you're convicted of a DUI, you may struggle to find a company that will insure you at all. You might need to buy coverage from a nonstandard company.
Cheapest car insurance for drivers with a DUI
Company | Monthly rate |
|---|---|
| Mercury Insurance | $200 |
| Geico | $292 |
| Progressive | $309 |
| Farmers | $329 |
| State Farm | $595 |
| AAA NorCal | $612 |
| Allstate | $631 |
Cheapest car insurance for married drivers: Geico
Many companies offer discounts for married people, because they are less likely to be risky drivers. You might find a lower rate after getting married — 8% savings on average.
Geico offered the best rates for a married Fresno driver, at just $1,187 for a year of full coverage. That's $467 less than the average across all companies. And it's 14% less than Geico's rate for a single driver.
The rates don't account for the lower prices you'll get for sharing a policy or a multicar discount. You may be able to save even more with those special rates.
Cheapest car insurance for married Fresno drivers
Company | Monthly rate |
|---|---|
| Geico | $99 |
| Progressive | $101 |
| Mercury Insurance | $108 |
| Allstate | $147 |
| State Farm | $169 |
| AAA NorCal | $170 |
| Farmers | $172 |
Average car insurance cost in Fresno by neighborhood
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. Prices for insurance varied by up to $333 for Fresno ZIP codes.
ZIP code | Minimum coverage annual cost | Full coverage annual cost |
|---|---|---|
| 93650 | $628 | $1,786 |
| 93701 | $673 | $1,950 |
| 93702 | $636 | $1,872 |
| 93703 | $632 | $1,838 |
| 93704 | $603 | $1,689 |
Auto theft statistics in Fresno
Fresno has relatively few car thefts for major California cities. In 2018, the latest data available, the city ranked seventh in the most car thefts in the 10 largest California cities They had 4.4 thefts per 1,000 residents. That puts it ahead of Los Angeles and San Diego in the south, but behind Oakland and Sacramento in the north.
Rank among 10 largest cities | City | Population | Motor
vehicle thefts 2018 | Thefts per 1,000 residents |
|---|---|---|---|---|
| 1 | Oakland | 430,230 | 5,071 | 11.8 |
| 2 | San Jose | 1,047,305 | 7,704 | 7.4 |
| 3 | Bakersfield | 385,609 | 2,777 | 7.2 |
| 4 | Sacramento | 507,037 | 2,883 | 5.7 |
| 5 | Long Beach | 470,445 | 2,279 | 4.8 |
Motor vehicle theft data was pulled from the FBI 2018 California Crime Report. Fresno is missing from the 2019 FBI report.
What's the best car insurance coverage in Fresno, CA?
Keep in mind that state-minimum coverage only includes basic liability and won't pay for any of your own expenses. Fresno drivers should consider going beyond the minimum required amount.
Full coverage includes the following protections, in addition to legally required liability coverage:
- Comprehensive coverage: Pays for damage to your car from something other than a collision, such as theft or a house fire.
- Collision coverage: Pays for damage to your car due to a crash, regardless of who was at fault.
Methodology
Data was collected from eight of California's largest insurance companies for a 30-year-old man who drove a 2015 Honda Civic EX. Unless otherwise stated, the rates were for a minimum-coverage policy.
In instances where rates for a full-coverage policy were compared, the following limitations were used:
Type | California minimum | Full coverage |
|---|---|---|
| Bodily injury liability (BI) | $15,000 per person and $30,000 per accident | $50,000 per person and $100,000 per accident |
| Property damage (PD) liability | $5,000 per accident | $50,000 per accident |
| Uninsured and underinsured motorist BI | N/A | $50,000 per person and $100,000 per accident |
| Uninsured and underinsured motorist PD | N/A | $50,000 per accident |
| Comprehensive and collision | N/A | $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.
Sources:
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