Wouldn’t it be great if we could just tell you one specific company that has the best rates for welfare recipients? Unfortunately, it’s not that simple as there are a ton of unknown aspects like what level of deductibles you wish to have, if you own or rent your home, and the safety ratings of your vehicle, that all go into determining the rate you pay. The information below covers the different ways to avoid overpaying and educate you enough to have a good start to your coverage search.
One of the more important criteria that are used to help calculate the cost of insurance is where you keep your car in Fresno. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with less congestion tend to receive cheaper rates.
The next table lists the most expensive areas in California for welfare recipients to purchase auto insurance in. Fresno is ranked #16 with an annual premium of $1,457 for coverage, which is around $121 monthly.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,142 |
| 3 | Oakland | $1,755 |
| 4 | San Francisco | $1,693 |
| 5 | Sacramento | $1,652 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Santa Clarita | $1,580 |
| 9 | Modesto | $1,547 |
| 10 | Riverside | $1,542 |
| 11 | Stockton | $1,541 |
| 12 | Moreno Valley | $1,536 |
| 13 | Fontana | $1,535 |
| 14 | Garden Grove | $1,524 |
| 15 | Anaheim | $1,488 |
| 16 | Fresno | $1,457 |
| 17 | Santa Ana | $1,439 |
| 18 | Huntington Beach | $1,416 |
| 19 | Fremont | $1,389 |
| 20 | Bakersfield | $1,381 |
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Rate information is approximated as specific location information can impact prices noticeably.
Trying to find reasonably-priced car insurance is hard enough, and deciding which companies offer the cheapest auto insurance rates for welfare recipients will involve a bit more work.
Each insurer has a proprietary formula for establishing rates, so let’s take a look at the most competitive auto insurance companies in Fresno. It’s a good idea to know that Fresno, CA auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply having another birthday, increasing liability limits, or getting a reckless driving citation may cause policy rate changes resulting in some rates now being more expensive than competitors.
Lowest Insurance Price Quotes in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,109 |
| 2 | Century National | $1,190 |
| 3 | Wawanesa | $1,192 |
| 4 | CSAA | $1,234 |
| 5 | Nationwide | $1,263 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,491 |
| 8 | Mercury | $1,533 |
| 9 | Allstate | $1,543 |
| 10 | Allied | $1,556 |
| 11 | Progressive | $1,558 |
| 12 | GEICO | $1,575 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | State Farm | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | Unitrin | $1,750 |
| 18 | Bristol West | $1,849 |
| 19 | Travelers | $1,860 |
| 20 | Farmers | $2,006 |
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USAA normally has some of the lowest car insurance rates in Fresno at around $1,109 annually. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the lowest-priced Fresno, CA insurance companies.
As shown above, if you are a customer of Nationwide and switched to Century National, you might achieve an annual premium reduction of about $73. California drivers with 21st Century may save as much as $176 a year, and Grange customers might see rate reductions of $301 a year.
To find cheaper insurance rates for your vehicle, click here or quote rates from the companies below.
It’s important to note that these premium estimates are averages across all drivers and vehicles in California and are not factoring in an exact zip code location for welfare recipients. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own individual information.
Rate increases following a ticket or accident
The easiest way to score the cheapest auto insurance rates in Fresno for drivers on welfare is to drive safe and avoid accidents and violations. The diagram below shows how traffic citations and fender-benders can raise insurance prices for each age group. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the previous chart, the average cost of auto insurance in Fresno per year with no accidents and a clean driving record is $1,768. Receive two speeding tickets and the average cost swells to $2,437, an increase of $669 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for welfare recipients goes up to an average of $5,042. That’s an increase of $3,274, or $273 per month, just for being a less-than-perfect driver!
Fresno auto insurance company ratings
Choosing a high-quality insurance provider is difficult considering how many different companies there are to choose from in California. The company information in the lists below can help you pick which auto insurance companies you want to consider when shopping around. These ratings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies are not included in the list.
| 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 |
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Data Source: Insure.com Best Car Insurance Companies
The information below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for welfare recipients. The rates are based on a married female driver, comp and collision included, and no policy discounts are applied.
The data above shows that a 50-year-old driver could pocket $300 a year by switching from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could possibly save up to $750 each year by using a higher deductible.
If you do make the decision to raise your deductibles, it is essential to have enough savings set aside to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.