One of the many factors that are looked at to determine car insurance rates is your address. Cities with larger populations or higher claim trends tend to have higher rates, whereas areas with lower crime rates and fewer weather claims tend to receive cheaper rates.
The table below sorts the most expensive cities in California for uninsured drivers to buy an auto insurance policy in. Fresno is listed at #16 with an annual cost of $1,457 for the average insured, which is about $121 per month.
|Rank||City||Premium Per Year|
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Rates are approximated as the specific zip code location can impact insurance rates substantially.
Comparing quotes for affordable insurance is challenging, and deciding which company quotes the lowest-priced car insurance rates for uninsured drivers requires even more rate comparisons.
Every car insurance company has a unique formula for setting rates, so let’s begin by examining the car insurance companies that tend to have lower prices in California.
Find Cheaper Auto Insurance in California
|Rank||Company||Cost Per Year|
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USAA may have some of the lowest car insurance rates in Fresno at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced Fresno, CA car insurance companies.
As shown above, if you are insured with Nationwide and switched to Wawanesa, you could earn a yearly price reduction of roughly $117. Customers with 21st Century may save as much as $192 a year, and Grange customers might lower prices by $287 a year.
It’s important to note that these premium estimates are averages across all types of insureds and vehicles and do not take into consideration a vehicle location for uninsured drivers. So the insurer that has the cheapest rates for you may not even be in the list above. That’s why you need to compare prices as often as possible using your own individual information.
The vehicle model you are insuring is a significant factor in finding the most economical coverage for uninsured drivers. Vehicles with higher performance characteristics, poor passenger safety features, or a high likelihood of having liability claims will cost more to insure than more modest models.
The next table outlines auto insurance premiums for the cheapest automobiles to buy coverage for.
|Vehicle||Estimated Cost for Full Coverage|
|Ford Escape Limited 2WD||$1,015|
|Honda CR-V LX 4WD||$1,120|
|Volkswagen Jetta 2.0T Station Wagon||$1,163|
|Toyota RAV4 Limited 4WD||$1,174|
|Chevrolet Impala LT||$1,180|
|Chevrolet Equinox LS 2WD||$1,174|
|Hyundai Elantra SE Touring Station Wagon||$1,183|
|Ford Edge SE 2WD||$1,188|
|Ford Focus SEL 4-Dr Sedan||$1,215|
|Honda Civic LX-S 4-Dr Sedan||$1,224|
|Toyota Corolla XRS||$1,259|
|Ford Explorer Eddie Bauer 2WD||$1,264|
|Toyota Tacoma 4WD||$1,271|
|Chevrolet Silverado LT Extended Cab 4WD||$1,286|
|Ford F-350 XLT Crew Cab Harley Edition 2WD||$1,304|
|Ford F-150 Lariat Super Cab 2WD||$1,311|
|Honda Accord LX-S 2-Dr Coupe||$1,322|
|Chevrolet Malibu LS||$1,327|
|Toyota Camry LE||$1,334|
|GMC Sierra SLT Crew Cab 4WD||$1,347|
|Nissan Altima 2.5 S 4-Dr Sedan||$1,356|
|Dodge Grand Caravan SXT||$1,365|
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Table data represents single male driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, safe-driver, claim-free, multi-policy, and homeowner. Table data does not factor in specific zip code location which can increase or decrease premium rates noticeably.
Based upon these rates, we can expect models like the Ford Escape, Honda CR-V, Volkswagen Jetta, and Toyota RAV4 should be some of the most budget-friendly vehicles to insure for drivers with no prior coverage.
How violations and accidents impact rates
The recommended way to find the cheapest car insurance premiums for drivers with no prior coverage is to be a safe driver and maintain a clean driving record. The example below illustrates how violations and at-fault claims can affect car insurance costs for different age groups. The rate quotes are based on a married male driver, comprehensive and collision coverage, $100 deductibles, and no other discounts are factored in.
In the chart above, the average cost of auto insurance in California per year with no accidents or violations is $2,157. Receive one speeding ticket and the average cost hikes up to $2,476, an increase of $319 each year. Then add in two accidents along with the one speeding ticket and the 12-month cost of car insurance for uninsured drivers jumps again to an average of $5,157. That’s an increase of $2,999, or $250 per month, just for a couple of infractions!
The information below shows how choosing a deductible can change premium costs when researching cheap insurance for uninsured drivers. The premiums are based on a single male driver, comp and collision included, and no other discounts are factored in.
The chart above illustrates that a 30-year-old driver could save $410 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $616 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old, could reduce their rates up to $1,190 annually just by choosing higher deductibles. If you do make the decision to raise your deductibles, it will be necessary to have enough funds in savings to cover the extra out-of-pocket expense that is associated with using high deductibles.
Ratings for Fresno car insurance companies
Buying coverage from the highest-rated insurer can be a challenge considering how many companies are available to choose from in California. The company rank data shown next can help you select which auto insurance companies to look at when comparing auto insurance rates for uninsured drivers.
These ratings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies are not included in the list. To check prices from many more California auto insurance companies, just click here.
|Company||Value||Customer Service||Claims||Customer Satisfaction||A.M Best Rating||Overall Score|
|AAA of Southern California||91||94||97||92%||A+||94.1|
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Data Source: Insure.com Best Car Insurance Companies
If you aren’t clear which coverage you need and would like to get some professional advice when buying car insurance for uninsured drivers, the insurance agencies listed below can help you decide which auto insurance policy fits you best.
To find an auto insurance agency in your neighborhood, click the button at the bottom or click here to get price quotes now.
United Valley Insurance Services
3245 W Figarden Dr – Fresno, CA 93711 – (559) 256-2500
Allstate Insurance: Geena Cha
2511 E Lamona Ave – Fresno, CA 93703 – (559) 494-0766
Kurt Sieve – State Farm Insurance Agent
1177 N Willow Ave Suite 102 – Clovis, CA 93611 – (559) 900-7908
Bulldog Insurance Agency
7975 N Cedar Ave – Fresno, CA 93720 – (559) 447-5000
M D Manouel Insurance Inc
7447 N First St – Fresno, CA 93720 – (559) 446-0588