One of the many things that are looked at to help calculate the annual cost of car insurance is your address. Areas with a lot of weather claims or more people will most likely pay more, whereas areas with lower crime rates and fewer weather claims have the luxury of lower rates.
The following table rates the most costly cities in California for young drivers in which to buy car insurance. Fresno shows up at #13 with an annual cost of $1,502 for the average policyholder, which is approximately $125 each month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,058 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,693 |
| 6 | San Bernardino | $1,628 |
| 7 | Stockton | $1,603 |
| 8 | Santa Clarita | $1,595 |
| 9 | Fontana | $1,581 |
| 10 | Long Beach | $1,578 |
| 11 | Riverside | $1,542 |
| 12 | Garden Grove | $1,524 |
| 13 | Fresno | $1,502 |
| 14 | Modesto | $1,502 |
| 15 | Moreno Valley | $1,491 |
| 16 | Anaheim | $1,488 |
| 17 | Santa Ana | $1,453 |
| 18 | San Jose | $1,395 |
| 19 | Bakersfield | $1,394 |
| 20 | Fremont | $1,389 |
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Rates are estimated as the vehicle garaging location can impact premium rates significantly.
Finding low-priced car insurance is not the easiest thing to accomplish, and finding out which companies quote the most affordable car insurance rates for young drivers calls for even more perseverance. Every auto insurer has their own unique process for setting prices, so let’s take a look at the car insurance companies that tend to have lower prices in Fresno.
It’s important to know that California car insurance rates are calculated based on many things which can substantially change the cost of having a policy. That is why it is important to do a thorough rate comparison when trying to find cheap insurance rates for young drivers. Insurance prices can be altered by many factors and can change substantially, so the best price the last time you checked may now cost much more than other companies.
Find the Cheapest Auto Insurance for Teens
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | CSAA | $1,198 |
| 4 | Century National | $1,226 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,366 |
| 7 | Grange | $1,477 |
| 8 | Allstate | $1,497 |
| 9 | GEICO | $1,513 |
| 10 | Allied | $1,541 |
| 11 | Mercury | $1,548 |
| 12 | Progressive | $1,558 |
| 13 | The Hartford | $1,639 |
| 14 | MetLife | $1,654 |
| 15 | Unitrin | $1,682 |
| 16 | Esurance | $1,688 |
| 17 | State Farm | $1,733 |
| 18 | Bristol West | $1,831 |
| 19 | Travelers | $1,842 |
| 20 | Farmers | $2,026 |
| Compare Rates Now Go | ||
USAA quotes some of the cheapest car insurance rates in Fresno at around $1,143 per year. This is $508 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide are also some of the most economical Fresno, CA car insurance companies.
In the above example, if you currently buy coverage from Nationwide and switched to Wawanesa, you might achieve a yearly savings of around $104. Drivers with 21st Century may save as much as $220 a year, and Grange customers might realize rate reductions of up to $331 a year.
To see if you’re overpaying, click here or click through to the companies below.
These policy rates are averaged for all ages of drivers and types of vehicles and do not take into consideration an exact vehicle garaging location for young drivers. So the auto insurance company that has the cheapest rates for you may not even be in the list above. That underscores the importance of why you need to compare rates from multiple companies using your own personalized driver profile and vehicle information.
The car, truck, or SUV you are trying to insure is one of the largest considerations that determines whether or not you can buy the best cheap auto insurance for young drivers. Vehicles with lower performance, excellent safety ratings, or a track record of few liability claims will cost quite a bit less to insure than adrenaline junky models.
The data below illustrates auto insurance premiums for some of the cheaper vehicles to insure.
| Make and Model | Estimated Cost for Full Coverage |
|---|---|
| Ford Escape XLS 2WD | $3,660 |
| Honda CR-V EX-L 2WD | $3,696 |
| Jeep Wrangler Sport 4WD 2-Dr | $3,841 |
| Toyota Prius | $3,960 |
| Toyota Tacoma 4WD | $4,109 |
| Ford Explorer XLT 2WD | $4,114 |
| Volkswagen Jetta 2.0T Station Wagon | $4,191 |
| Chevrolet Equinox LT AWD | $4,340 |
| Toyota Camry LE | $4,346 |
| Jeep Grand Cherokee Laredo 4WD | $4,340 |
| Nissan Altima 2.5 4-Dr Sedan | $4,348 |
| Toyota RAV4 4WD | $4,340 |
| Chevrolet Impala LT | $4,347 |
| Dodge Grand Caravan Crew | $4,374 |
| Ford Focus SEL 4-Dr Sedan | $4,534 |
| Honda Civic LX-S 4-Dr Sedan | $4,543 |
| Ford Edge Sport AWD | $4,570 |
| Honda Odyssey EX-L W/Navigation | $4,575 |
| Toyota Corolla S | $4,570 |
| Hyundai Elantra GLS 4-Dr Sedan | $4,578 |
| Find Cheaper Rates Go | |
Data variables include single female driver age 17, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, and safe-driver. Rates do not factor in specific garaging location which can modify coverage prices substantially.
Based upon these rates, we can infer that makes and models like the Ford Escape, Honda CR-V, and Jeep Wrangler are going to be a few of the most economical vehicles to insure for youthful drivers. Rates will be more costly just due to the fact that there is more liability exposure for young drivers, but overall those particular models will most likely have the best rates that you’ll find.
Violations and accidents raise rates
In a perfect world, the best way to receive good car insurance rates in Fresno for youthful drivers is to drive safely and have a clean driving record. The diagram below demonstrates how traffic citations and at-fault collisions can raise car insurance costs for different age groups. The data is based on a single female driver, full physical damage coverage, $1,000 deductibles, and no discounts are applied to the premium.
The data charted above shows the average cost of an auto insurance policy in Fresno per year with no accidents and a clean driving record is $2,354. Get written up for two speeding tickets and the average cost swells to $3,138, an increase of $784 each year. Then add in two accidents along with the two speeding tickets and the 12-month cost of car insurance for young drivers goes up to an average of $6,439. That’s an increase of $4,085, or $340 per month, just for not being a responsible driver!
Choosing the top insurance provider can be a challenge considering how many choices drivers have in Fresno. The ranking data in the lists below can help you decide which companies to look at when trying to find the cheapest insurance for young drivers.
These ratings include companies with a national presence, so companies that may only write in California are not taken into consideration for these rankings. To get price quotes from these and other competitive companies, click here.
| 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 |
| Esurance | 85 | 80 | 95 | 87% | A+ | 85.9 |
| Safeco | 85 | 85 | 85 | 86% | A | 85.8 |
| Travelers | 80 | 87 | 87 | 83% | A++ | 85.2 |
| Farmers Insurance | 78 | 87 | 88 | 79% | A | 84.3 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The insurance agencies listed below can answer your questions and help you decide which auto insurance coverages would be the best in your situation, as lots of drivers aren’t clear which coverage they need and would like to get some help when buying car insurance for young drivers. It can be challenging to find the best policy on your own, and agents can provide you satisfaction knowing your coverage gives you decent coverage if you have a claim.
To find an auto insurance agency nearest to you, click the button following the list or click here to compare price quotes now.
- Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603 - Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766 - Dalena Benik and Associates Insurance
6740 N. West Street #108 – Fresno, CA 93711 – (559) 578-3022 - Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861
Find a Fresno, CA insurance agent near you
How to find the cheapest insurance for young drivers
Lowering your rates is not difficult, and here are some of the recommended penny-pinching suggestions that can help Fresno drivers find low-cost auto insurance.
- Buy a safer vehicle
- Being accident-free can lower rates significantly
- Increase deductibles to save money
- Violations and traffic tickets increase rates
- Do not pay for full coverage if not needed
- Maintaining good credit helps earn cheaper rates
- Shop around and save
That last piece of advice is especially vital, as we pointed out in this write-up. Car insurance rates in Fresno fluctuate considerably, so don’t be unwilling to buy from a different company if a lower price can be found. Being loyal to a particular company is commendable, but it’s not a great idea if that dedication is costing lots of hard earned cash every month. Now is a great time to compare prices to find cheaper auto insurance for young drivers.