The type of vehicle requiring insurance is probably the most important factor when looking for cheaper insurance for veterans. Vehicles with high performance features, poor safety ratings, or a track record of large liability claims will cost quite a bit more to insure than safer, lower-performance models.
The table below illustrates coverage costs for a handful of the cheapest vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Honda CR-V LX 4WD | $1,017 |
| Ford Escape Limited 2WD | $1,043 |
| Toyota Prius | $1,130 |
| Ford F-150 XL Regular Cab 4WD | $1,143 |
| Hyundai Elantra GLS Touring Station Wagon | $1,169 |
| Ford Focus S 4-Dr Sedan | $1,182 |
| Dodge Grand Caravan Crew | $1,230 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,269 |
| Chevrolet Silverado LTZ Crew Cab 4WD | $1,292 |
| Ford Fusion SE 4-Dr Sedan | $1,297 |
| Hyundai Sonata GLS 4-Dr Sedan | $1,292 |
| Chevrolet Malibu LTZ | $1,298 |
| Volkswagen Jetta SE 2.5 Station Wagon | $1,366 |
| Toyota Camry Hybrid | $1,377 |
| GMC Sierra 2500HD SLE Regular Cab 2WD | $1,385 |
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Price data assumes single female driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, multi-policy, homeowner, safe-driver, and claim-free. Price estimates do not factor in specific zip code location which can revise prices significantly.
Based upon the rates shown, models like the Honda CR-V, Ford Escape, and Toyota Prius are a few of the most budget-friendly vehicles to insure for veterans.
Figuring out which companies have the best auto insurance rates for veterans will take a tad more effort than just comparing a company or two. Each company uses a different method for determining prices, so we will examine the auto insurance companies with the overall best prices in Fresno, CA.
Best Insurance Companies for Vets
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| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | Nationwide | $1,213 |
| 5 | CSAA | $1,222 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Allstate | $1,497 |
| 9 | Mercury | $1,503 |
| 10 | GEICO | $1,513 |
| 11 | Progressive | $1,558 |
| 12 | The Hartford | $1,575 |
| 13 | Allied | $1,588 |
| 14 | MetLife | $1,606 |
| 15 | Esurance | $1,705 |
| 16 | Unitrin | $1,750 |
| 17 | State Farm | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $1,966 |
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USAA quotes some of the best car insurance rates in Fresno at around $1,143 per year. Century National, Wawanesa, Nationwide, and CSAA also make the cut as some of the cheapest Fresno, CA car insurance companies.
In the above rates, if you have coverage with Century National and switched to USAA, you might see savings of about $47. Customers with Wawanesa might save as much as $49 a year, and Nationwide customers might see rate reductions of $70 a year.
Understand that those rates are averaged for all drivers and vehicles in California and do not take into consideration a specific zip code for veterans. So the insurer that fits your age and vehicle best may not even be in the top 24 companies shown above. That affirms the importance of why you need to compare rates from as many companies as possible using your own driver and vehicle profiles.
Choosing the top auto insurance company can be a challenge considering how many companies sell coverage in Fresno. The ranking data displayed below may help you analyze which insurers to look at when comparing auto insurance rates for veterans.
These rankings are for large, nationwide insurance companies, so smaller regional companies are not taken into consideration for this list. If you’d like to compare prices from these and other competitive companies, click here.
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Full coverage rates compared to liability-only
Saving money on auto insurance is probably important to the majority of people, and one of the quickest ways to pay lower rates for insurance for veterans is to not pay for full coverage. The information below shows the difference between auto insurance rates with and without physical damage coverage, medical payments, and uninsured/under-insured motorist coverage. The costs are based on no accidents or driving violations, $250 deductibles, drivers are single, and no discounts are taken into consideration.
If we average all the age groups together, physical damage insurance costs $3,093 per year over having just liability coverage. That may make you wonder when is it safe to stop buying full coverage. There isn’t a steadfast formula of when to eliminate physical damage insurance, but there is a general school of thought. If the yearly cost of comp and collision coverage is more than about 10% of the settlement you would receive from your company, then it might be time to consider dropping full coverage.
For example, let’s assume your vehicle’s replacement cost is $4,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would get paid by your company is $3,500 after paying the physical damage deductible. If you are currently paying more than $350 a year for physical damage coverage, then it’s probably a good time to buy liability coverage only.
How to get discounts on Fresno car insurance rates
Insurers that offer cheap quotes for veterans may have discounts that could reduce prices by as much as 35% if you meet specific criteria. A few of the larger companies and their offered discounts are detailed below.
- State Farm has discounts for defensive driving training, multiple policy, anti-theft, good student, and driver’s education.
- GEICO may include discounts for five-year accident-free, military active duty, air bags, daytime running lights, membership and employees, emergency military deployment, and defensive driver.
- Liberty Mutual may offer discounts for preferred payment discount, good student, hybrid vehicle, exclusive group savings, newly retired, new graduate, and new move discount.
- The Hartford policyholders can earn discounts including anti-theft, bundle, driver training, good student, and defensive driver.
- MetLife may have discounts that include defensive driver, good driver, multi-policy, good student, claim-free, and accident-free.
- Progressive offers premium reductions for homeowner, continuous coverage, good student, online signing, multi-vehicle, and multi-policy.
The diagram below visualizes the comparison of insurance costs with and without discounts applied. The premiums assume a male driver, no accidents, no driving violations, California state minimum liability limits, comp and collision included, and $250 deductibles.
The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with homeowner, marriage, defensive driving course, safe-driver, anti-theft, and passive restraint discounts applied. When drivers take advantage of discounts, the average amount saved each year on auto insurance for veterans is 28% or $640.
Tips for buying cheaper car insurance for veterans
Lowering your rates is not difficult, and here are some of the recommended money-saving solutions that can help drivers buy more affordable coverage.
- Drive vehicles with five-star safety ratings
- If your vehicles are older, consider dropping full coverage
- Maintaining good credit helps earn cheaper rates
- Prevent rate increases by staying accident-free
- Raise your deductibles
- Serious violations like DUI or careless driving can make car insurance unaffordable
- Compare rate quotes frequently
The last tip in the list is incredibly necessary, as was noted in the prior information. Insurance rates in Fresno adjust frequently, so don’t hesitate to change to a new company if you can find a cheaper rate.
We understand brand loyalty, but it isn’t a good idea if that dedication is costing lots of hard earned cash every month. It only takes a couple minutes to shop around and find cheaper insurance for veterans.
The agents listed below can probably help you decide which coverages are best, since some drivers aren’t sure which coverage they need and prefer to have the advice of a professional agent when buying car insurance for veterans. It can be challenging to find coverage yourself, and agents can give you satisfaction knowing you have enough protection.
To find an auto insurance agency close to you, click the button at the bottom of the list.
- Farmers Insurance
7161 N Millbrook Ave # 103 – Fresno, CA 93720 – (559) 447-9838 - Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 - Reza Sarkhosh Insurance Agency, Inc.
2491 W Shaw Ave #124 – Fresno, CA 93711 – (559) 243-9000 - Leavitt Group
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500 - McCarty Insurance
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421