Four steps to find cheaper Fresno car insurance rates
The easiest way to find discount car insurance rates is to compare prices annually from insurance carriers who provide auto insurance in Fresno.
- Get an understanding of how car insurance works and the things you can control to prevent expensive coverage. Many rating factors that cause rate increases like getting speeding tickets and poor credit history can be eliminated by being financially responsible and driving safely.
- Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
- Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates and make a switch, make sure coverage does not lapse between policies.
- Provide adequate notice to your current company of your intention to cancel the current policy. Submit payment along with a signed and completed policy application to the new company. As soon as you have the new policy, safely store the proof of insurance certificate in an easily accessible location.
The most important part of shopping around is to compare identical limits and deductibles on every quote request and and to get prices from as many different companies as possible. This provides an apples-to-apples comparison and a complete selection of prices.
AUTO INSURANCE FACT
Fresno drivers overpay an average of $865 a year for car insurance. Compare rates now and save.
The price you pay for auto insurance is dependent on many factors, but the average policy in Fresno is right around $1,400 annually. The national average roughly $1,224, so Fresno residents pay about $210 more each year than drivers in surrounding states.
The cost of auto insurance in Fresno depends on many variables, and one of the primary price factors is the type of car or truck you own. The rate information below shows estimated premium rates for the most popular vehicles insured in Fresno.
| Make, Model, and Trim Level | Annual Cost | Semi-Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Impala LT | $1,166 | $583 | $97 |
| Chevrolet Silverado LT Extended Cab 2WD | $1,248 | $624 | $104 |
| Dodge Ram Quad Cab Sport 2WD | $1,358 | $679 | $113 |
| Ford Escape XLT 2WD | $986 | $493 | $82 |
| Ford Explorer Eddie Bauer 4WD | $1,188 | $594 | $99 |
| Ford F-150 Lariat King Ranch 4WD | $1,276 | $638 | $106 |
| Ford Focus SE 4-Dr Sedan | $1,142 | $571 | $95 |
| Ford Fusion Hybrid 4-Dr Sedan | $1,474 | $737 | $123 |
| Honda Accord EX 4-Dr Sedan | $986 | $493 | $82 |
| Honda CR-V EX-L 4WD | $1,010 | $505 | $84 |
| Honda Civic SI 2-Dr Coupe | $1,536 | $768 | $128 |
| Hyundai Elantra GLS Touring Station Wagon | $986 | $493 | $82 |
| Hyundai Sonata Limited 4-Dr Sedan | $1,334 | $667 | $111 |
| Kia Optima LX | $1,248 | $624 | $104 |
| Nissan Altima 2.5 S 2-Dr Coupe | $1,334 | $667 | $111 |
| Nissan Rogue SL 2WD | $1,248 | $624 | $104 |
| Toyota Camry Hybrid | $1,334 | $667 | $111 |
| Toyota Corolla S | $1,230 | $615 | $103 |
| Toyota Prius | $1,094 | $547 | $91 |
| Get Rate Quotes for Your Vehicle Go | |||
Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in garaging location in Fresno which can increase or decrease coverage prices considerably.
Get lower-cost car insurance with discounts
The illustration below visualizes the comparison of insurance costs with and without policy discounts. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.
| Top 15 cheapest vehicles to insure in Fresno, CA |
|---|
| Honda Fit |
| Hyundai Accent |
| Mini Cooper |
| Honda Accord |
| Kia Rondo |
| Mazda MX-5 Miata |
| Ford Escape |
| Chrysler PT Cruiser |
| Hyundai Elantra |
| Honda CR-V |
| Chevrolet Colorado |
| Mazda 5 |
| Ford F-150 |
| Nissan Xterra |
| Jeep Wrangler |
| Top 15 most expensive vehicles to insure in Fresno, CA |
|---|
| Mercedes-Benz S65 AMG |
| Mercedes-Benz CL65 AMG |
| Mercedes-Benz CL600 |
| Audi R8 |
| Mercedes-Benz CL63 AMG |
| BMW 760L |
| Mercedes-Benz S600 |
| BMW M6 |
| Mercedes-Benz S63 AMG |
| Porsche 911 |
| Mercedes-Benz CL550 |
| Porsche Panamera |
| TESLA Roadster |
| Chevrolet Corvette |
| Porsche Cayenne |
| Top 15 safest vehicles to insure in Fresno, CA |
|---|
| Audi Q7 |
| Toyota FJ Cruiser |
| Subaru Outback |
| Toyota Tacoma |
| Jeep Wrangler |
| Jeep Liberty |
| Chevrolet Colorado |
| Buick Enclave |
| Ford Expedition EL |
| GMC Yukon |
| Chevrolet Silverado 2500HD |
| GMC Acadia |
| Chrysler Town and Country |
| Chevrolet Tahoe |
| Chevrolet Equinox |
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| USAA | 98 | 100 | 100 | 94% | A++ | 98.6 |
| American Family | 98 | 89 | 100 | 86% | A | 95.4 |
| AAA of Southern California | 91 | 94 | 97 | 92% | A+ | 94.1 |
| State Farm | 88 | 93 | 96 | 90% | A++ | 92.4 |
| The Hartford | 94 | 92 | 90 | 89% | A+ | 91.7 |
| AAA Insurance | 88 | 89 | 95 | 91% | A | 91.2 |
| GEICO | 84 | 93 | 93 | 89% | A++ | 90.3 |
| The General | 89 | 91 | 89 | 88% | A- | 90 |
| Titan Insurance | 90 | 87 | 91 | 95% | A+ | 89.6 |
| Progressive | 84 | 91 | 93 | 87% | A+ | 89.5 |
| Mercury Insurance | 88 | 91 | 90 | 85% | A+ | 89.4 |
| Allstate | 85 | 90 | 92 | 88% | A+ | 89.3 |
| Nationwide | 87 | 88 | 84 | 90% | A+ | 88.7 |
| Liberty Mutual | 84 | 87 | 93 | 88% | A | 88.5 |
| 21st Century | 85 | 86 | 87 | 88% | A | 86.7 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
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