This would be a much shorter article if we could tell you the one best company that has the most affordable coverage in California. It’s just not that simple, as there are a whole bunch of unknowns like if you want full coverage, what deductibles to use for physical damage coverage, your driving record, and the type of vehicle you drive. We will touch on the best ways to compare rates and will hopefully give you a good start to your coverage search.
Comparing rates for low-priced car insurance is tough enough, and figuring out which companies offer the cheapest car insurance rates for government employees will require even more work.
Every auto insurer has their own process to set premium rates, so let’s rank the most competitive car insurance companies in California. Keep in mind that California car insurance rates are impacted by many factors that can increase the cost of having a policy. Simply improving your credit score, having a teen driver, or getting a speeding ticket may prompt premium changes resulting in some companies being way too expensive in comparison to the competition.
Best Cheap Insurance Rates in California
USAA generally has some of the cheapest car insurance rates in Fresno at around $1,109 per year. Century National, Wawanesa, CSAA, and Nationwide also qualify as some of the best Fresno, CA insurance companies.
As shown above, if you currently have a policy with Wawanesa and switched to USAA, you may realize an annual premium reduction of upwards of $83. California drivers with CSAA might save as much as $113 a year, and Nationwide policyholders might lower prices by $117 a year.
If you would like to find cheaper car insurance rates, click here to get a free quote or click several companies below for low rates.
Understand that those estimates are averages across all types of insureds and vehicles and and are not calculated with a specific zip code for government employees. So the insurer that can offer you the best rate may not even be in the top 24 companies in the list above. That underscores the importance of why you need to get auto insurance quotes using your own individual information.
For state and federal workers, one of the largest things that are looked at to help calculate insurance cost is where you keep your vehicle. Cities with more crime and/or more people are more likely to have higher rates, whereas areas with lower crime rates and fewer weather claims get the luxury of paying less.
The information below rates the highest-priced areas in California for government employees in which to purchase auto insurance. Fresno makes the list at #17 with a yearly premium of $1,457 for car insurance, which is about $121 each month.
| Rank | City | Premium Per Year |
|---|---|---|
| 1 | Los Angeles | $2,146 |
| 2 | Glendale | $2,121 |
| 3 | San Francisco | $1,745 |
| 4 | Oakland | $1,704 |
| 5 | Sacramento | $1,669 |
| 6 | San Bernardino | $1,644 |
| 7 | Long Beach | $1,610 |
| 8 | Fontana | $1,566 |
| 9 | Stockton | $1,556 |
| 10 | Santa Clarita | $1,548 |
| 11 | Modesto | $1,547 |
| 12 | Moreno Valley | $1,536 |
| 13 | Riverside | $1,527 |
| 14 | Garden Grove | $1,508 |
| 15 | Santa Ana | $1,497 |
| 16 | Anaheim | $1,474 |
| 17 | Fresno | $1,457 |
| 18 | San Jose | $1,437 |
| 19 | Huntington Beach | $1,402 |
| 20 | Bakersfield | $1,394 |
| 21 | Irvine | $1,384 |
| 22 | Fremont | $1,361 |
| 23 | Oxnard | $1,344 |
| 24 | San Diego | $1,340 |
| 25 | Chula Vista | $1,298 |
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Information shown are approximated as the specific garaging location can revise prices noticeably.
Selecting a good quality auto insurance provider is hard considering how many companies sell insurance in Fresno. The rank data in the lists below can help you choose which coverage providers you want to consider when shopping insurance around for government employees.
The ratings below are only made up of large insurance companies, so smaller regional companies will not be included in this list. If you’d like to compare prices from the insurers below and more, 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 |
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Data Source: Insure.com Best Car Insurance Companies
Comparison of full coverage and liability-only policies
Paying a lower price for car insurance is probably important to most people, and one way to pay lower rates for insurance for government employees is to only buy liability coverage. The example below illustrates the difference between insurance costs with full coverage compared to only the California minimum liability coverage. The information is based on no claims or violations, $500 deductibles, single marital status, and no other discounts are factored in.
If we average the cost for all age groups, physical damage coverage on your policy costs $2,075 per year over and above liability coverage. That is a big expense that brings up the question if buying full coverage is a waste of money. There is no definitive guideline of when to drop comp and collision coverage, but there is a general school of thought. If the annual cost of your full coverage insurance is 10% or more of the vehicle’s replacement cost less your deductible, then it’s probably a good time to buy liability coverage only.
How to find budget-friendly insurance for government employees
Here are many penny-pinching ideas that can help drivers find lower-cost coverage.
- Good credit can help you save money
- Increase deductibles to save money
- Maintain a clean driving record
- Save money by insuring your home and auto with the same company
- Staying accident-free helps keep rates low
- Having too many claims will increase rates substantially
- Shop around for cheaper prices often
That last piece of advice is certainly necessary, as we discussed in the prior article. Prices charged by car insurance companies fluctuate constantly, so don’t hesitate to switch to a new company if a lower price can be found. Staying with the same car insurance company is fine, but we do not recommend it if that dedication is costing a small fortune year after year. In less than five minutes you could compare prices to find cheaper insurance for government employees in Fresno.
The Fresno, CA, insurance agents below can probably provide answers to your questions and help you determine which coverage meets your needs best, since some drivers aren’t sure which coverage they need and prefer to get some help when trying to find the best insurance rates for state and federal workers. It’s not always easy to find the best coverage yourself, and a professional agent can give comfort knowing your coverage gives you adequate coverage when you need it most.
To locate a Fresno auto insurance agent closest to you, click the button after the list.
- McCarty Insurance
7078 N Maple Ave # 106 – Fresno, CA 93720 – (559) 324-1421 - Steph Flores Peters – State Farm Insurance Agent
371 E Bullard Ave #104 – Fresno, CA 93710 – (559) 274-0600 - Wilson Wong – State Farm Insurance Agent
1341 W Bullard Ave #6 – Fresno, CA 93711 – (559) 438-0470 - Covered California Fresno
4005 N Blackstone Ave #101 – Fresno, CA 93726 – (559) 222-4140 - Nationwide Insurance: Maffei Ins and Fin Services
5633 W Figarden Dr Ste 104 – Fresno, CA 93722 – (559) 322-3355