120+ more*Quotes generated for Insurify users in and around Fresno, California within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fresno, California within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
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Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
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30+ years in financial services
Clinical Professor of Finance, University of San Diego
Updated
USAA, Aspire General, and GEICO are the cheapest insurers in Fresno for liability insurance.
Fresno’s average monthly full-coverage rate of $172 is cheaper than the state’s average monthly rate of $199.
Formerly the auto theft capital of the U.S., Fresno still has a high vehicle theft rate, which likely contributes to high average insurance costs.
The average cost of state-minimum car insurance coverage in Fresno is $96 per month, while the average full-coverage rate is $199 per month. Fresno’s rates are much cheaper than Los Angeles’ rates but more expensive than those in nearby Hanford.
While Fresno’s rates are slightly lower than the average car insurance cost in California, the city has a high vehicle theft rate, making it more expensive than many surrounding towns.
Take a look at the following table to see how car insurance rates in Fresno compare to statewide California car insurance rates.
Car Insurance Costs in Fresno vs. California  | Average Monthly Quote |
|---|---|
| Fresno average | $127 |
| California average | $147 |
Cheap liability quotes in Fresno start at $56/mo.
USAA is the cheapest car insurance company in Fresno when it comes to liability-only car insurance.
Aspire General offers the cheapest full-coverage car insurance, on average.
The cheapest insurer for you may be different, though, so it’s important to compare car insurance quotes before buying a policy in Fresno.
If you drive in Fresno, you should be aware of some local factors when you’re behind the wheel. While it’s no longer the vehicle theft capital of the country, the city still has high vehicle theft rates. Never leave valuable items in your vehicle, and always make sure to lock your doors and roll up your windows. Try to park in well-lit, populated areas if possible to discourage potential car thieves.
Fresno is in the Central Valley, which can experience dense fog, known as Tule fog, that makes it very difficult to see while driving. If visibility is very low, use your low beams, slow down significantly, and consider delaying travel altogether. Use your wipers and defrosters, don’t pass other cars, and don’t pull off and stop on highway shoulders.[1]
Fresno County has among the highest rates of traffic fatalities in the state, so it’s always important to drive carefully and defensively.[2] Fresno also experiences flooding, which can be very dangerous to drive in. “Turn around, don’t drown” is the rule of thumb when it comes to driving during flooding.[3] Just like you would anywhere, use caution and avoid risks when driving in Fresno.
In 2025, Fresno ranked 44th in the country for vehicle thefts, according to National Insurance Crime Bureau data. In 2024, more than 4,700 vehicle theft incidents occurred in Fresno.
These theft rates are high and can lead to higher car insurance rates. Insurers charge higher rates to account for the increased risk of paying out a claim for a stolen vehicle.
Glendale and Los Angeles are the most expensive cities in California for full-coverage car insurance, with average monthly rates of $352 and $289. Santa Maria is one of the cheapest cities for full-coverage insurance, at an average of $153 per month.
Fresno sits on the lower end of the range, with an average full-coverage monthly rate of $172, which is also lower than the California monthly full-coverage average of $199.
Fresno’s full-coverage rate is likely a bit higher than rates in cities like Santa Maria due to its numerous risk factors, such as vehicle theft and a high traffic fatality rate.
Take a look at the table below to see how average car insurance rates vary across California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $156 |
| Bakersfield | $128 |
| Berkeley | $148 |
| Chula Vista | $123 |
| Elk Grove | $139 |
| Fremont | $134 |
| Fresno | $127 |
| Glendale | $261 |
| Long Beach | $165 |
| Los Angeles | $217 |
| Modesto | $139 |
| Moreno Valley | $143 |
| Oakland | $164 |
| Oxnard | $134 |
| Riverside | $145 |
| Sacramento | $152 |
| San Bernardino | $153 |
| San Diego | $126 |
| San Francisco | $166 |
| San Jose | $132 |
| Santa Ana | $148 |
| Santa Barbara | $117 |
| Santa Maria | $111 |
| Stockton | $140 |
| Temecula | $127 |
| Victorville | $155 |
Traffic in Fresno isn’t particularly bad, especially compared to cities like Los Angeles, but it still has its own issues and factors to watch out for. The city has a moderate congestion rate of 20.6%. Traffic congestion is worse during rush hour, with a congestion rate of 27.9% in the morning and 41% in the evening.
The intersection of Friant Road and Shepherd Avenue is a well-known problem area, with frequent accidents over the years due to unclear traffic signals. Though the city made improvements in early 2026, it’s still a good idea to exercise extra caution at the intersection.
California’s minimum car insurance requirements are pretty straightforward, with drivers only legally needing to have bodily injury liability and property damage liability insurance. If you have a car accident in California and don’t have insurance, you risk a four-year suspension of your driving privileges.[4]
USAA has the cheapest average liability rates in Fresno, at $56 per month. Aspire General and GEICO offer the next cheapest liability insurance.
The table below shows the cheapest liability-only car insurance rates in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $56 |
| Aspire General | $60 |
| GEICO | $61 |
| Sun Coast | $62 |
| National General | $63 |
| Mercury | $64 |
| Dairyland | $69 |
| Root | $75 |
| Allstate | $78 |
| Direct Auto | $78 |
| Farmers | $79 |
| Anchor | $82 |
| Bristol West | $86 |
| State Farm | $86 |
| Kemper Special | $89 |
| Travelers | $91 |
| 21st Century | $98 |
| Kemper Rsvp | $98 |
| Nationwide | $121 |
| Chubb | $154 |
Fresno has one of the highest traffic fatality rates in the state and high vehicle theft rates, making full-coverage car insurance a smart option. This type of policy includes both collision coverage and comprehensive coverage to protect your vehicle in the event of theft or damage.
Aspire General has the cheapest full-coverage car insurance in Fresno, with an average monthly rate of $105. This rate is below both Fresno’s full-coverage monthly average of $172 and California’s full-coverage average of $199 per month.
Here are the cheapest average rates for full-coverage car insurance in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $105 |
| Root | $117 |
| Mercury | $122 |
| GEICO | $124 |
| USAA | $124 |
| Kemper Special | $138 |
| Kemper Rsvp | $141 |
| Sun Coast | $144 |
| Anchor | $156 |
| Dairyland | $161 |
| National General | $167 |
| Allstate | $171 |
| Farmers | $176 |
| Bristol West | $184 |
| Direct Auto | $189 |
| State Farm | $191 |
| Travelers | $200 |
| 21st Century | $219 |
| Nationwide | $269 |
| Chubb | $340 |
*Quotes generated for Insurify users in and around Fresno, California within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fresno, California within the last 10 days. Last updated on June 4, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Speeding tickets in Fresno can cost hundreds of dollars, depending on how fast you were speeding, and you’ll also see a point added to your license.[5] Drivers with a speeding ticket for going over 100 miles per hour can face a fine of up to $500.
About 4.5% of drivers in Fresno have a ticket, according to Insurify data. For those drivers, USAA has the cheapest car insurance rates, with an average rate of $73 per month.
Below, you can compare rates from the cheapest liability car insurance companies for drivers with a speeding ticket in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| Aspire General | $76 |
| Sun Coast | $79 |
| National General | $79 |
| GEICO | $80 |
| Dairyland | $86 |
| Mercury | $89 |
| Root | $90 |
| Direct Auto | $99 |
| Farmers | $102 |
| Allstate | $102 |
| Anchor | $102 |
| Bristol West | $109 |
| State Farm | $110 |
| Kemper Special | $113 |
| Travelers | $119 |
| Kemper Rsvp | $124 |
| 21st Century | $130 |
| Nationwide | $158 |
| Chubb | $197 |
More than 4% of drivers in Fresno have an at-fault accident on their records, according to Insurify data. Liability insurance averages $104 per month for Fresno drivers with an at-fault accident.
California is an at-fault state for car insurance, meaning the at-fault driver’s insurance will pay for the damage, even if someone borrows your car and has an accident.
The table below shows the cheapest liability rates for drivers with an at-fault accident in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $74 |
| Aspire General | $76 |
| Sun Coast | $79 |
| GEICO | $79 |
| National General | $82 |
| Dairyland | $90 |
| Root | $92 |
| Mercury | $94 |
| Allstate | $103 |
| Farmers | $104 |
| Direct Auto | $104 |
| Anchor | $104 |
| Bristol West | $111 |
| State Farm | $112 |
| Kemper Special | $113 |
| Travelers | $121 |
| Kemper Rsvp | $124 |
| 21st Century | $131 |
| Nationwide | $160 |
| Chubb | $202 |
Only 0.94% of drivers in Fresno have a DUI, Insurify data shows. California takes DUI enforcement very seriously, with immediate license suspension, jail time, fines, and required DUI education.[6] Following a license suspension or revocation, you’ll have to pay a fee of $125 and file proof of insurance with the state.
Fresno drivers with a DUI pay monthly averages of $111 for liability coverage and $234 for full coverage.
Here are the cheapest liability car insurance rates for drivers with a DUI in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $78 |
| Aspire General | $81 |
| Sun Coast | $84 |
| GEICO | $85 |
| National General | $88 |
| Mercury | $96 |
| Dairyland | $97 |
| Root | $105 |
| Allstate | $109 |
| Direct Auto | $109 |
| Farmers | $111 |
| Anchor | $117 |
| Bristol West | $120 |
| State Farm | $120 |
| Kemper Special | $121 |
| Travelers | $127 |
| 21st Century | $132 |
| Kemper Rsvp | $133 |
| Nationwide | $169 |
| Chubb | $216 |
Due to inexperience, teen drivers are some of the riskiest drivers to insure. In 2024, Fresno recorded 168 accidents involving drivers aged 15 to 19.[7]
Teen drivers pay the highest average rates of any age group in Fresno, with monthly full-coverage insurance rates of $313, but they can still find affordable rates by comparing quotes.
Check out the table below for some of the lowest liability car insurance rates for teen drivers in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $104 |
| Aspire General | $109 |
| GEICO | $110 |
| Sun Coast | $113 |
| Root | $113 |
| Mercury | $117 |
| Dairyland | $120 |
| National General | $126 |
| Direct Auto | $152 |
| Bristol West | $153 |
| Allstate | $154 |
| Anchor | $156 |
| Farmers | $158 |
| Kemper Special | $162 |
| State Farm | $167 |
| 21st Century | $176 |
| Kemper Rsvp | $178 |
| Travelers | $190 |
| Nationwide | $236 |
| Chubb | $317 |
Insurify partners with top insurers for real quotes
Senior drivers in Fresno have the cheapest average rates of any age group, at $75 per month for liability coverage. USAA is the cheapest insurer for the roughly 18% of Fresno’s population that’s aged 60 or older.
Below, you can compare the cheapest average liability rates for senior drivers in Fresno.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $47 |
| GEICO | $50 |
| National General | $51 |
| Mercury | $52 |
| Aspire General | $55 |
| Sun Coast | $56 |
| Dairyland | $60 |
| Farmers | $64 |
| Allstate | $65 |
| Direct Auto | $66 |
| Anchor | $69 |
| State Farm | $69 |
| Root | $71 |
| Bristol West | $74 |
| Travelers | $75 |
| 21st Century | $79 |
| Kemper Special | $81 |
| Kemper Rsvp | $89 |
| Nationwide | $95 |
| Chubb | $120 |
Take a look at the answers below to get a better idea of how to find cheap car insurance in Fresno.
Car insurance in Fresno costs an average of $82 per month for liability coverage and $172 for full coverage. But your rates will vary based on your driving history, vehicle type, credit history, and more.
USAA has the lowest average liability coverage price in Fresno, at $56 per month. The cheapest insurance company for you may be different, so it’s crucial to compare car insurance quotes from at least a few insurers.
USAA, Aspire General, and GEICO are the best car insurance companies for teen drivers in Fresno, offering the cheapest average rates. The best coverage for you at the end of the day depends on your insurance needs and budget.
The minimum car insurance requirements in Fresno are $30,000 for bodily injury liability per person, $60,000 in bodily injury liability per accident, and $15,000 for property damage liability.
Fresno drivers qualify for a wide variety of car insurance discounts, including safe driver, bundling with home insurance or renters insurance, defensive driving, low-mileage, and anti-theft device discounts. You can find numerous other discounts, varying from insurer to insurer, so be sure to understand which you qualify for before buying a policy.
Insurify data scientists analyzed more than 190 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 500+ 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:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Licensed auto and home insurance agent
4+ years in content creation and marketing
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.