Who Has Affordable Fresno Car Insurance Rates for Young Drivers?

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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.

How much does car insurance cost in Fresno, CA?
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.

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Cheapest California car insurance ranked by price
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
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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.

Cheapest Vehicles to Insure in Fresno, CA
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
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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.

Top Car Insurance Companies for Young Drivers in Fresno, CA
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
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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.

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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.

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.