3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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Cheapest recent rates in California
Drivers using Insurify have found quotes as cheap as $62/mo for liability only and $116/mo for full coverage in California.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on April 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from California within the last 10 days. Last updated on April 17, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from April 17, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
On average, Fresno drivers pay $168 per month for car insurance. By comparison, the California state average is $190 per month.
Fresno has a relatively low fatal crash rate: Police reported just 37 fatal crashes in Fresno in 2023, down from 66 in 2022. This could partly explain why its average rates are slightly lower than the state average.
Comparing car insurance quotes from multiple companies can help you find the most affordable coverage available to you. Here’s what to know about car insurance in Fresno.
Quick Facts
Fresno drivers pay $120 per month for a liability-only policy and $217 per month for a full-coverage policy, on average.
Mile Auto, Sun Coast, and Mercury are the three cheapest car insurance companies for Fresno drivers.
Fresno County has approximately 570,000 registered automobiles and 1 million residents, meaning there’s about one registered car for every two residents.[1][2]
3 of the cheapest car insurance companies in Fresno
The best car insurance company for you will be different from what’s best for other drivers. Car insurance rates vary based on age, driving history, ZIP code, vehicle type, and more.[3] To find the best car insurance company, you’ll need to consider your budget and car insurance needs.
Insurance Company
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto
3.5
$117
$63
Liability-only coverage
USAA
4.5
$225
$104
Military members
Mercury
3.6
$164
$88
Extra peace of mind
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use data from AM Best, S&P, Moody's, and more to compare insurance companies’ credit and ability to pay out future claims.
Customer satisfaction: To calculate this score, Insurify analyzed more than 20,000 customer reviews across 155 car insurance companies. We also considered third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the United States, as well as available discounts, to calculate an affordability score.
Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
Availability and reach: Insurify identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for liability-only coverage: Mile Auto
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$59/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$110/mo
Mile Auto is a pay-per-mile car insurer that provides usage-based insurance for infrequent drivers in different parts of the U.S., including the West Coast. If you don’t drive very often, you can save money with Mile Auto because you’ll only pay for the number of miles you drive each month, plus a base rate.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$95/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$203/mo
USAA provides car insurance and other insurance products, like home insurance and boat insurance, to active, retired, and reserve military members and their families. But you must join USAA to take advantage of its policies.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
827
Liability Only
Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.
$80/mo
Full Coverage
Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.
$149/mo
Mercury is a super-regional insurance company that sells car insurance in California and 10 other states. Mercury stands out for its 24/7 claims service, large network of authorized repair shops, and repair guarantee that warranties repairs done at an authorized repair shop for as long as you own your vehicle. The company also offers multiple discounts that can help assure policyholders they’re getting the best rate available to them.
Pros
Guaranteed repairs for as long as you own your car
24/7 claims service
Cons
Available in only 11 states
High number of customer complaints from California, according to the National Association of Insurance Commissioners
I am waiting for a return call on quotes. Tom Brown is never available.
Lorenzo - April 15, 2024
Verified
Ok but could use improvement
The app is not helpful. Anytime you want to find something or need help, you have to call. The website and app offer the bare minimum with limited features. They do not offer GAP insurance. I found way better coverage for the same price at Progressive.
Jonathan - April 13, 2024
Verified
Great Insurance
Excellent.
How to get the cheapest car insurance in Fresno
Car insurance companies set their own rates and underwrite policies differently. To secure the best rate on a policy in Fresno, follow these tips:
Shop around. Be sure to get free car insurance quotes from several of the top companies. This can help you find the cheapest policy for your unique needs.
Look for discounts. Most car insurers offer a long list of discounts you should explore. Several examples of common discounts include a good student discount, vehicle safety features discount, loyalty discount, and safe driving discount.
Bundle your policy. Chances are you need home insurance or renters insurance, too. Find a company that will give you a discount if you bundle your car insurance with another policy.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can raise your car insurance premiums. Follow speed limits, obey traffic laws, and avoid distractions to reduce your risk of these incidents.
Find Cheap Car Insurance in Fresno
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Cheapest liability-only car insurance in Fresno: Mile Auto
California requires drivers to purchase liability car insurance. This policy type covers the property damage and injuries of other drivers and passengers after an at-fault accident and is typically the cheapest auto policy you can buy. Liability policies don’t cover damage to your vehicle, so it’s important to consider your ability to cover potential out-of-pocket costs.
Liability-only insurance in Fresno costs an average of $120 per month.
Here’s a look at the cheapest liability-only insurance companies in Fresno, California.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
59
Sun Coast
66
Mercury
80
Anchor
85
Safeco
87
USAA
95
Dairyland
106
National General
116
GEICO
126
Allstate
130
Farmers
134
Direct Auto
137
State Farm
145
Travelers
152
Bristol West
165
21st Century
166
Nationwide
204
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fresno: Mile Auto
Full-coverage car insurance typically includes liability, collision, and comprehensive coverage. Because it includes more coverages, it’s typically more expensive than a liability-only policy, but it offers more protection. Your auto lender or lessor may require it if you have a loan or lease on your vehicle.
Fresno drivers pay a monthly average of $217 for full-coverage insurance.
The table below shows the cheapest full-coverage insurance companies in Fresno.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
110
Mercury
149
Sun Coast
154
Safeco
157
Anchor
183
USAA
203
Dairyland
245
National General
247
GEICO
271
Allstate
280
Farmers
289
State Farm
313
Travelers
329
Direct Auto
332
21st Century
357
Bristol West
368
Nationwide
440
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in California
California is an at-fault, or tort, state, meaning the at-fault driver must pay for the property damage or injuries they cause to the drivers or passengers in another vehicle. While California requires bodily injury and property damage liability to drive legally in Fresno, additional coverage is available for extra protection. Drivers who are unable to show proof of insurance will face penalties.
Here are California’s state minimum requirements for car insurance:[4]
Coverage
Minimum Requirements
Bodily injury liability
$15,000 per person / $30,000 per accident
Property damage liability
$5,000 per accident
Important Information
California car insurance liability limits are increasing on Jan. 1, 2025, to 30/60/15. This translates to $30,000 per person and $60,000 per accident for bodily injury liability and $15,000 per accident for property damage liability.[5]
Here’s an overview of some optional car insurance coverages Fresno drivers can purchase for additional protection on the road:
Comprehensive coverage
Comprehensive insurance protects you from vehicle damage from vandalism, theft, natural disasters, and other non-collision incidents.
Collision coverage
If your car requires repairs or needs replacement after an accident with another vehicle or object, collision insurance will apply, no matter who’s responsible.
Uninsured/underinsured motorist coverage
An uninsured/underinsured motorist policy can come in handy if you get into an accident with an uninsured driver or a driver without enough insurance to cover your injuries and vehicle damages.
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance rates. This is because car insurers view these citations and incidents as high-risk driving behavior and believe you’re more likely to file a claim than someone with a clean driving record.[6] Fresno drivers with clean records typically have lower premiums than people with spotty driving histories.
Shop for Car Insurance in Fresno, CA
Monthly rates start at $83 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Fresno reported 156 speed-related crashes that resulted in death or injury in 2020.[7] Speeding may increase your risk of losing control of your vehicle and lead to a serious accident. If you have a speeding ticket on your record, insurers may consider you a high-risk driver and you can expect to pay more for an auto policy.
Fresno drivers with speeding tickets face average monthly car insurance rates of $217 for full coverage and $120 for liability only. The table below shows how liability-only rates compare for drivers with a clean record versus drivers with a speeding ticket in Fresno.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
59
83
Mercury
80
117
Safeco
87
120
USAA
95
121
Dairyland
106
139
National General
116
148
GEICO
126
160
Allstate
130
165
Farmers
134
170
Direct Auto
137
179
State Farm
145
181
Travelers
152
196
Bristol West
165
214
21st Century
166
220
Nationwide
204
262
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Mile Auto
An at-fault accident will likely result in higher car insurance costs for three to five years, so it’s important to find an affordable auto insurance policy that meets your coverage needs. But your auto insurance premiums may not increase if you purchase accident forgiveness. Additionally, how much they increase depends on the severity of the accident and the total claim amount.
An at-fault accident increases average car insurance rates for Fresno drivers to $283 per month for full coverage and $156 for liability policies. If you have an at-fault accident on your record, you can see how rates might be higher compared to drivers with a clean record.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
59
84
Mercury
80
117
Anchor
85
112
Safeco
87
121
USAA
95
121
Dairyland
106
138
National General
116
150
GEICO
126
160
Allstate
130
165
Farmers
134
170
Direct Auto
137
180
State Farm
145
182
Travelers
152
195
Bristol West
165
209
21st Century
166
218
Nationwide
204
261
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Mile Auto
A DUI in Fresno is a dangerous and serious offense. In addition to fines and jail time, you may pay the most compared to other drivers, and California may require you to purchase SR-22 insurance. Furthermore, you may struggle to find an insurance company that’ll provide coverage, and those that do may charge sky-high rates.
Fresno drivers with DUIs on their records pay average monthly rates of $292 for full-coverage car insurance and $161 for liability only. The table below shows how much rates can increase in Fresno for drivers with a DUI on their records.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
59
89
Mercury
80
119
Anchor
85
123
Safeco
87
126
USAA
95
137
Dairyland
106
153
National General
116
168
GEICO
126
182
Allstate
130
188
Farmers
134
194
Direct Auto
137
198
State Farm
145
210
Travelers
152
220
Bristol West
165
239
21st Century
166
240
Nationwide
204
295
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Mile Auto
Physical and mental impairments make it more difficult for seniors to drive safely.
“Drivers tend to see the lowest prices from age 25 and on. However, once drivers reach ages 70-plus, their reaction times start to slow down, which may result in higher car accidents and more expensive rates,” explains Lauren McKenzie, a senior insurance agent at A Plus Insurance. But because of their low mileage and long history of driving, senior drivers pay less on average than younger drivers in general.
On average, senior drivers in Fresno pay $178 per month for full coverage and $98 for minimum coverage, according to Insurify data. Here are the cheapest car insurance quotes for seniors in Fresno.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
45
84
Mercury
65
121
Safeco
74
133
USAA
76
162
Dairyland
86
198
National General
94
200
GEICO
100
214
Allstate
105
225
Farmers
105
226
Direct Auto
106
256
State Farm
112
242
Travelers
120
259
21st Century
125
269
Bristol West
132
295
Nationwide
153
331
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Mile Auto
Teenagers have minimal experience behind the wheel and higher accident rates than older drivers.[8] While they usually pay more for car insurance because of this, they can save money if they stay on their parents’ policy, maintain good grades, and take a defensive driving course.
In Fresno, teen drivers pay an average of $336 per month for their own full-coverage policy and $186 for liability-only coverage. Here are the cheapest car insurance companies for teens and young drivers in Fresno.
The below rates are estimated rates current as of: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
107
200
Mercury
138
257
Anchor
142
306
Safeco
146
263
USAA
146
313
Dairyland
160
370
GEICO
185
397
National General
207
441
Allstate
214
461
Farmers
218
471
State Farm
232
501
Direct Auto
234
568
Bristol West
256
571
Travelers
257
556
21st Century
259
556
Nationwide
326
704
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Fresno?
Average car insurance premiums in Fresno are less expensive than the national average.
It’s also important to note that rates in California vary by city and ZIP code because of factors like population, weather conditions, and accident rates.
More cities in California
Here’s a look at the average monthly cost of car insurance in various cities in California.
City
Full Coverage
Liability Only
Anaheim
$285
$131
Berkeley
$236
$126
Los Angeles
$289
$179
Modesto
$238
$121
Oakland
$218
$138
Riverside
$253
$122
Sacramento
$280
$129
San Diego
$199
$108
San Francisco
$240
$142
San Jose
$235
$118
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fresno car insurance FAQs
Check out Insurify’s guide to car insurance discounts to learn more about lowering your car insurance premiums, and read the answers to these frequently asked questions about Fresno car insurance.
How much is car insurance in Fresno?
On average, auto insurance in Fresno costs $217 per month for full coverage and $120 for liability-only policies. Many factors affect car insurance rates besides location, though, so your rates may be higher or lower than average.
Which company has the cheapest car insurance in Fresno?
Mile Auto has the cheapest car insurance quotes for Fresno drivers, with liability-only policies starting at $59 per month. But it may not be the right choice for everyone.
Fortunately, Fresno drivers can also find affordable rates with the city’s second- and third-cheapest car insurers, Sun Coast and Mercury. Their monthly liability-only rates start at $66 and $80, respectively.
What are the best car insurance companies in Fresno?
Some of the best car insurance companies in Fresno are Mile Auto, State Farm, and USAA. These companies provide customized coverage, low quotes, and high J.D. Power customer satisfaction ratings. Additionally, they earned solid Insurify Quality Scores.
But the best auto insurer for you will depend on your coverage needs and budget, so it’s important to compare quotes from different companies to find the best prices.
What determines the price of your auto insurance in Fresno?
Your age, driving history, vehicle type, and discount eligibility can affect your car insurance costs across the country. Furthermore, auto insurance companies consider Fresno’s accident, theft, and traffic rates when determining premiums.
Can auto insurers use your credit score to determine your premiums in Fresno?
No. California prohibits auto insurers from using credit history to determine auto insurance premiums. Because of this, your credit history won’t affect your rates, even if you have bad credit.[9]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Anna Baluch is a Cleveland-based personal finance and insurance expert. With an MBA from Roosevelt University, she enjoys writing educational content that helps people make smart financial decisions. Her work can be seen across the internet on many publications, including Freedom Debt Relief, Credit Karma, RateGenius, and the Balance. Connect with Anna on LinkedIn.
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
Clinical Professor of Finance, University of San Diego
Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.
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