Finding good, low-priced insurance is not the easiest thing to accomplish, and finding out which company has the cheapest car insurance rates in Fresno involves even more rate comparisons.
Every auto insurer has a unique approach for filing rates in each state, so let’s take a look at the car insurance companies that tend to have lower prices in Fresno, CA. We do need to point out that California car insurance rates are based on many factors that can increase the policy price. This price variability is why it is crucial to shop around to find the best car insurance rates in Fresno. Rates consist of many different factors and can change substantially, so the lowest-price company two years ago may now be priced much higher than other options.
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,121 |
| 2 | Wawanesa | $1,157 |
| 3 | CSAA | $1,186 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,338 |
| 7 | Grange | $1,477 |
| 8 | Mercury | $1,503 |
| 9 | Allstate | $1,513 |
| 10 | Progressive | $1,542 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,588 |
| 13 | The Hartford | $1,623 |
| 14 | MetLife | $1,638 |
| 15 | Esurance | $1,688 |
| 16 | State Farm | $1,733 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,777 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $1,966 |
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USAA normally has some of the best car insurance rates in Fresno at around $1,121 per year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the lowest-priced Fresno, CA auto insurance companies.
As shown in the table above, if you are currently insured with Century National and switched to USAA, you may see an annual savings of around $105. Insureds with Nationwide may save as much as $142 a year, and 21st Century policyholders might realize rate reductions of up to $217 a year.
These policy rates are averaged across all drivers and vehicles and and are not figured with a specific zip code in Fresno. So the auto insurance company that fits your situation best may not even be in the top 24 companies shown above. That points out the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.
For drivers in Fresno, one of the largest things that aid in calculating the amount you pay each year for auto insurance is where you live. Cities with larger populations will most likely pay more, whereas areas that tend to be more rural tend to receive slightly lower rates.
The next table ranks the priciest cities in California to buy an auto insurance policy in. Fresno shows up at #17 with an annual cost of $1,457 for the average insured, which is around $121 per month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Glendale | $2,142 |
| 2 | Los Angeles | $2,104 |
| 3 | San Francisco | $1,763 |
| 4 | Oakland | $1,755 |
| 5 | Sacramento | $1,703 |
| 6 | San Bernardino | $1,628 |
| 7 | Long Beach | $1,626 |
| 8 | Stockton | $1,588 |
| 9 | Fontana | $1,581 |
| 10 | Garden Grove | $1,554 |
| 11 | Riverside | $1,542 |
| 12 | Santa Clarita | $1,533 |
| 13 | Moreno Valley | $1,506 |
| 14 | Santa Ana | $1,497 |
| 15 | Modesto | $1,487 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,423 |
| 19 | Huntington Beach | $1,416 |
| 20 | Fremont | $1,389 |
| 21 | Irvine | $1,371 |
| 22 | Bakersfield | $1,353 |
| 23 | San Diego | $1,340 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,311 |
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Rate quotes are estimated as the specific geographic location can impact coverage rates greatly.
The make and model of vehicle you are buying coverage for is probably the largest consideration when quoting affordable coverage in Fresno. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models. The information below shows coverage prices for a handful of the more affordable vehicles to insure in California.
| Vehicle Insured | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $965 |
| Honda Accord LX 4-Dr Sedan | $970 |
| Toyota Prius | $1,071 |
| Toyota Tacoma 4WD | $1,080 |
| Jeep Wrangler Rubicon 4WD 2-Dr | $1,086 |
| Ford F-150 FX2 Super Cab 2WD | $1,080 |
| Honda CR-V EX-L 4WD | $1,089 |
| Nissan Altima 2.5 S 4-Dr Sedan | $1,204 |
| Ford Focus S 4-Dr Sedan | $1,224 |
| Volkswagen Jetta SE 4-Dr Sedan | $1,226 |
| GMC Sierra 3500HD SLE Extended Cab 2WD | $1,246 |
| Toyota RAV4 Sport 2WD | $1,251 |
| Chevrolet Silverado LT Extended Cab 4WD | $1,258 |
| Honda Odyssey EX W/Rear Entertainment | $1,257 |
| Dodge Grand Caravan SXT | $1,275 |
| Ford Explorer Limited 4WD | $1,282 |
| Chevrolet Malibu Hybrid | $1,286 |
| Jeep Grand Cherokee Laredo 2WD | $1,296 |
| Honda Civic LX-S 4-Dr Sedan | $1,317 |
| Chevrolet Impala LTZ | $1,319 |
| Compare Cheap Rates Go | |
Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific garaging location which can raise or lower premiums noticeably.
Looking at the rates, we can conclude that vehicles like the Ford Escape, Honda Accord, and Toyota Prius will definitely be the most budget-friendly vehicles to insure for drivers in Fresno.
The example below illustrates how your deductible choice can change premium costs when researching cheap insurance in Fresno. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.
The data above shows that a 50-year-old driver could cut expenses by $428 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $648 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates $1,434 annually by using a higher deductible. When using a larger deductible, it’s a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.
Get discounts on Fresno car insurance rates
Insurance companies that provide policies in Fresno may additionally offer premium discounts that can reduce rates by 40% or more if you meet specific eligibility requirements. Companies and some of the premium reductions they offer are included below.
- State Farm discounts include multiple policy, Drive Safe & Save, defensive driving training, Steer Clear safe driver discount, and driver’s education.
- Esurance has savings for Switch & Save, anti-theft, defensive driver, safety device, multi-policy, homeowner, and good driver.
- Progressive includes discounts for homeowner, good student, multi-policy, multi-vehicle, continuous coverage, online signing, and online quote discount.
- Liberty Mutual policyholders can earn discounts including hybrid vehicle, safety features, teen driver discount, new move discount, and preferred payment discount.
- Auto-Owners Insurance may include discounts for mature driver, anti-lock brakes, paperless, safe driver, anti-theft, and multiple vehicles.
- GEICO has discounts for membership and employees, daytime running lights, emergency military deployment, federal employee, and multi-vehicle.
The diagram below shows the comparison of premium costs with and without some available policy discounts. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, marriage, vehicle safety, defensive driving course, safe-driver, and multiple policy discounts applied. When these discounts are applied, the average amount saved on insurance in Fresno is 28% or $777.
How to find more affordable car insurance in Fresno
It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help you quote lower-cost auto insurance.
- Remain accident-free and save
- Increase deductibles to save money
- Save money by observing traffic laws and speed limits
- Better credit scores save money
- Buy a vehicle with excellent safety ratings
- If your vehicles are older, consider dropping full coverage
- Keep rates low by shopping around frequently
The last tip in the list is very vital, as was affirmed in this article. Coverage rates in Fresno adjust frequently, so drivers shouldn’t be resistant to buy from a new company if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying big bucks every year. It only takes a couple minutes to compare prices and find cheaper insurance in Fresno.