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Cheap Auto Insurance Quotes in Fresno, CA (June 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in Fresno, CA

To obey California law, Fresno drivers need car insurance. Car insurance is cheaper in Fresno than in most other cities in California, but drivers can still save by comparing car insurance quotes from multiple providers. With Insurify, our AI technology will pull auto insurance quotes from local and national insurers alike so you can get the cheapest car insurance for your needs.

Quick Facts

  • The average cost of car insurance in Fresno is $171 per month, or $2052 annually.
  • Car insurance in Fresno is $6 less than the average cost of car insurance in California.
  • The cheapest car insurance provider in Fresno on average is Mile Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Bluefire
$90
Metromile
$99
Freedom National
$116
Aspire General
$132
Anchor
$132

Cheapest Car Insurance in Fresno, CA

Below, you’ll find the average premiums that the cheapest car insurance companies in Fresno charge policyholders. Keep in mind that your individual rate will vary based on information in your driver profile, so you should always look at customized quotes as well. But if you’re curious about the cheapest providers in Fresno, here are the winners.

Insurance Provider in FresnoQuotes
Bluefire$90 /mo
Metromile$99 /mo
Freedom National$116 /mo
Aspire General$132 /mo
Anchor$132 /mo

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Best Car Insurance in Fresno, CA

The cheapest auto insurance isn’t always the best auto insurance. Make sure the company you choose has superior financial strength ratings and excellent customer satisfaction ratings. To save you some research, we’ve reviewed a variety of data to generate Insurify Composite Scores for the top companies in Fresno.

Best CompaniesScoreQuotes
Clearcover97$152 /mo
Safeco86$170 /mo
21st Century80$159 /mo
Travelers80$137 /mo

Average Car Insurance Cost

California Cities
Los Angeles$195/mo
San Diego$172/mo
San Jose$210/mo
San Francisco$132/mo
Fresno$132/mo
California$168/mo
San Francisco
$132
Fresno
$132
Average for CA
$168
San Diego
$172
Los Angeles
$195
San Jose
$210
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in California

All motor vehicles operated or parked on California roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in California[1] are:

  • $15,000 per person for bodily injury
  • $30,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. California is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $5,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

Fresno Car Insurance Rates by Driver Age

Young drivers in California pay the most for car insurance because they have less experience, while drivers in their 50s and 60s tend to get the best rates. Insurance is especially expensive for 16- to 19-year-old drivers, who are more likely to crash than any other age group. Sometimes, a good student discount can help with the cost of a car insurance policy for teens.

Below are the average rates drivers pay for car insurance in each age group. Note these rates are statewide averages and not specific to Fresno.

Driver's AgeAvg. Monthly Cost
Teens$388
20s$272
30s$174
40s$148
50s$136
60s$133
70s$150
80+$157

Fresno Car Insurance Rates by Driving and Accident History

Your driving history is one of the most important factors in determining your insurance premiums. That’s because auto insurance companies perceive drivers with speeding tickets and car accidents on their record as high-risk drivers. Below is the average cost of car insurance drivers pay with each type of infraction. Note that drivers with a clean record get the best rates.

Driving HistoryAvg. Monthly Cost
No Violation$162
At-Fault Accident$223
Failure to Stop$220
DUI$201

Find local Fresno agents

  • Arthur J. Gallagher & Co.

    45 East River Park Place West Suite 605,
    Fresno, CA 93720
  • Oak Creek Insurance Agency

    1835 N. Fine Avenue,
    Fresno, CA 93727
  • DiBuduo & DeFendis Insurance Brokers, LLC

    6873 N. West Avenue,
    Suite 101, Fresno, CA 93711
  • Pan American Insurance Services

    7673 North Ingram,
    Suite 103, Fresno, CA 93711
  • Agri-Center Insurance Agency, Inc.

    2650 W. Shaw Lane,
    Suite 102, Fresno, CA 93711
  • Valley Regional Insurance Services

    7576 N. Ingram,
    Suite 102, Fresno, CA 93711
  • Leavitt United Insurance Services, Inc.

    3245 W. Figarden Dr.,
    Fresno, CA 93711
  • ThomCo Associates Insurance Services

    4333 North West Avenue,
    Fresno, CA 93705
  • Sierra Gateway Insurance Services

    499 W. Shaw Avenue,
    Suite 130, Fresno, CA 93704
  • Keast, Norby, Petersen & Ziegler Insurance, Inc.

    2377 W. Shaw Ave.,
    Suite 105, Fresno, CA 93711
View more

Fresno DMV Information

Many services can be completed online with the Fresno DMV, including driver’s license and motor vehicle registration renewals. But if you need help with an in-person service, the Fresno field office is open Tuesday, Thursday, and Friday from 8 a.m. to 5 p.m. and Wednesday from 9 a.m. to 5 p.m. You’ll find the address below:

655 W Olive Ave
Fresno, CA 93728

You can check wait times online or make an appointment before you go. In addition to visiting the Fresno field office, you can accomplish many services by visiting a DMV partner or using the self-serve kiosk to avoid long lines.

Public Transportation in Fresno

Public transportation isn’t a popular choice among Fresno residents—only about 1.3 percent of residents use the transit system to get to work. However, the city does operate a bus system with 18 express routes in the Fresno area. In fact, 93 percent of Fresno residents live within three-quarters of a mile of a bus stop.

If you can’t afford collision coverage and comprehensive coverage, using Fresno’s public transportation system might be a good alternative. But if you want to be able to drive to other parts of California, you’ll at least need liability insurance to stay legal on the road.

How to Get the Cheapest Car Insurance in Fresno

Whether you’re opting for state minimum liability coverage or a full-coverage policy, Insurify can help you find the cheapest auto insurance rates for you. To get free quotes, you’ll just need to enter a few details about your vehicle and driving history. From there, Insurify will get to work finding you the cheapest rates from insurance providers in Fresno.

We’ll even factor in certain discounts you may be eligible for. You can change your deductible and coverage limits to see how your rates are affected, making it easy to find a policy that fits your budget and meets your needs. Plus, it’s totally free to use, and the average Insurify user saves $585 annually just by switching.

FAQs - Fresno, CA Car Insurance

  • The best way to find cheap car insurance in Fresno is to compare rates from top companies like GEICO and State Farm along with local insurers. You can use Insurify to get a quote from multiple insurers in one spot. It’s never been easier to compare prices customized to you. And you can sign up for a policy from the comfort of your couch.

  • The average cost of car insurance in Fresno is about $176 per month. That’s cheaper than the state of California average and the national average, but it may still strain your budget. However, it’s possible to get a cheaper rate if you compare quotes with Insurify since each insurance company will weigh the information in your driver profile a little differently.

  • The average cost of car insurance in Fresno is about $176 per month. That’s cheaper than the state of California average and the national average, but it may still strain your budget. However, it’s possible to get a cheaper rate if you compare quotes with Insurify since each insurance company will weigh the information in your driver profile a little differently.

    You’ll pay more for car insurance in Fresno if you’re young. Teens and drivers in their 20s pay the highest rates. You’ll also pay more if you have car accidents, speeding tickets, or other violations on your record. And getting comprehensive and collision coverage can double the cost of your policy—but in most cases it’s well worth it.

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Methodology

The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.

Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews. 

With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.

Insurify Insights

How Fresno Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fresno, California below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fresno drivers measure up to their fellow motorists across California in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

honda

Honda Civic

Most Popular Car in Fresno

#25

City with the Most Speeding Tickets Rank in California

#119

City with the Most Moving Violations Rank in California

#73

City with the Most DUIs Rank in California

#45

City with the Most Suspended Licenses in California

  • While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fresno drivers rank 180 in the number of car accidents per driver across all cities in California.

    • Rank within state: #180
    • Percent of drivers in Fresno with an accident: 9.1%
    • Drivers in Fresno, CA with an accident in their driving history pay on average 48.3% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in California, Fresno drivers rank 25 in the number of speeding infractions per driver.

    • Rank within state: #25
    • Percent of drivers in Fresno with a speeding ticket: 10.38%
    • Drivers in Fresno, CA with a speeding ticket in their driving history pay on average 46.94% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fresno drivers rank 73 in the number of DUI’s per driver across all cities in California.

    • Rank within state: #73
    • Percent of drivers in Fresno with a DUI: 2.76%
    • Drivers in Fresno, CA with a DUI in their driving history pay on average 26.53% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fresno is the Honda Civic.

  • The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in California, Fresno drivers rank 78 in rude driving infractions.

    • Rank within state: #78
    • Percent of drivers in Fresno with a reckless driving violation: 1.68%
    • Drivers in Fresno, CA with a reckless driving violation in their driving history pay on average 31.29% more than drivers with a clean record.
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Fresno drivers rank 54 in clean driving records across all cities in California.

    • Rank within state: #54
    • Percent of drivers in Fresno with clean record: 80.15%
  • Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Fresno drivers rank 45 in failure to yield violations per driver across all cities in California.

    • Rank within state: #45
    • Percent of drivers in Fresno with a failure to yield violation: 0.22%
    • Drivers in Fresno, CA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
  • Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in California, Fresno drivers rank 47 in the number of reckless driving offenses per driver.

    • Rank within state: #47
    • Percent of drivers in Fresno with a reckless driving offense: 0.06%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Fresno drivers rank 187 in hybrid and electric vehicle ownership across all cities in California.

    • Rank within state: #187
    • Percent of drivers in Fresno with a hybrid/electric vehicle: 1.12%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Content Manager at Insurify

Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. California Department of Motor Vehicles. "State Minimum Car Insurance." Accessed May 28, 2022