How Much are Car Insurance Quotes for Low Mileage Drivers in Fresno?

The words “bargain” and “insurance” really shouldn’t be used together, specifically when you are searching for the lowest insurance prices for low mileage drivers. To save some money, let’s start the ball rolling by going over some things that can significantly affect auto insurance premiums, and come up with some ways to take the sting out of the next policy you buy.

One of the many components that help determine insurance cost is where your car is garaged in Fresno. More populated areas are more likely to have higher rates, whereas areas that tend to be more rural tend to receive cheaper rates.

The following table shows the highest-priced areas in California for low mileage drivers to buy auto insurance in. Fresno is listed at #12 costing $1,517 on average, which is about $126 per month.

How much does auto insurance cost in Fresno?
Rank City Annual Premium
1 Glendale $2,142
2 Los Angeles $2,104
3 Sacramento $1,720
4 San Francisco $1,693
5 Oakland $1,687
6 San Bernardino $1,644
7 Long Beach $1,578
8 Moreno Valley $1,551
9 Stockton $1,541
10 Santa Clarita $1,533
11 Fontana $1,519
12 Fresno $1,517
13 Garden Grove $1,508
14 Modesto $1,502
15 Riverside $1,497
16 Anaheim $1,474
17 Santa Ana $1,439
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,361
21 Bakersfield $1,353
22 Chula Vista $1,337
23 Irvine $1,330
24 San Diego $1,327
25 Oxnard $1,304
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Rate information is estimated as the vehicle garaging location can influence rates noticeably.

Comparing quotes for budget auto insurance is confusing at best, and determining which companies quote the cheapest insurance rates for low mileage drivers takes even more work. Each auto insurance company uses a different method for filing rates in each state, so we’ll go over the insurance companies with the overall cheapest rates in Fresno.

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Cheapest auto insurance in California ranked by cost per year
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,146
3 Century National $1,226
4 CSAA $1,234
5 Nationwide $1,250
6 21st Century $1,338
7 Grange $1,477
8 Progressive $1,496
9 GEICO $1,529
10 Mercury $1,548
11 Allied $1,556
12 Allstate $1,559
13 MetLife $1,638
14 The Hartford $1,639
15 State Farm $1,682
16 Unitrin $1,682
17 Esurance $1,688
18 Travelers $1,788
19 Bristol West $1,831
20 Farmers $2,026
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USAA may have some of the lowest car insurance rates in Fresno at around $1,121 per year. Wawanesa, Century National, CSAA, and Nationwide also qualify as some of the lowest-priced Fresno, CA insurance companies.

As shown in the rates above, if you currently have a policy with CSAA and switched to USAA, you could realize a yearly savings of around $113. Insureds with Nationwide may save as much as $129 a year, and 21st Century policyholders might reduce prices by as much as $217 a year.

To find out how your current rates compare, click here to start your custom quote or click several companies below for low rates.

Be aware that those estimates are averages across all drivers and vehicles in California and and are not calculated with an exact zip code location for low mileage drivers. So the insurer that has the lowest price for you may not even be in the list above. That illustrates why you need to get rate quotes using your own individual information.

The type of vehicle you are insuring is probably the largest consideration that determines whether or not you can buy the most affordable car insurance for low mileage drivers. Vehicles with higher performance characteristics, a lack of modern safety features, or an increased likelihood of liability claims will cost quite a bit more to insure than safer, lower-performance models. The data below showcases auto insurance rates for some of the more affordable automobiles to buy coverage for.

Cheapest Vehicles to Insure in Fresno, CA
Vehicle Make and Model Estimated Cost for Full Coverage
Ford F-150 STX Regular Cab 2WD $1,098
Toyota Prius $1,105
Ford Escape Limited 2WD $1,168
Honda CR-V EX 4WD $1,177
Chevrolet Impala LT $1,182
Nissan Altima 2.5 4-Dr Sedan $1,188
Chevrolet Malibu LT $1,204
Hyundai Elantra SE Touring Station Wagon $1,238
Jeep Grand Cherokee Limited 2WD $1,266
Chevrolet Silverado LS Extended Cab 2WD $1,276
GMC Sierra SL Crew Cab 4WD $1,266
Dodge Grand Caravan SE $1,284
Kia Optima EX $1,350
Chevrolet Equinox LT 2WD $1,354
Toyota Tacoma Double Cab 4WD $1,363
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Data based on single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, multi-vehicle, multi-policy, homeowner, and claim-free. Premium amounts do not factor in garaging location in Fresno, CA which can impact coverage rates substantially.

Based upon the table data, cars like the Ford F-150, Toyota Prius, Ford Escape, Honda CR-V, and Chevrolet Impala are likely to be some of the less-costly vehicles to insure for infrequent drivers.

How to get discounts on Fresno auto insurance

Cheaper Fresno, CA insurance for infrequent driversInsurance providers that provide policies for low mileage drivers may also offer price discounts that can lower rates by 40% or more if you are eligible. Large insurance companies and some of the discounts are shown below.

The illustration below compares premium costs with and without discounts being applied to the rates. The premiums assume a female driver, no accidents, no driving violations, California state minimum liability limits, comprehensive and collision coverage, and $100 deductibles.

The first bar for each age group shows insurance cost with no discounts. The lower bar shows the rates with marriage, passive restraint, safe-driver, homeowner, multiple policy, and multiple vehicle discounts applied. When these discounts are applied to the policy premium, the amount saved on insurance for low mileage drivers is 28% or $893.

The chart below illustrates how your choice of deductibles can raise or lower insurance prices when getting quotes for cheap insurance for low mileage drivers. The premiums are based on a single female driver, full coverage, and no discounts are taken into consideration.

In the chart above, a 30-year-old driver could reduce rates by $400 a year by changing their physical damage coverage from a $100 deductible up to a $500 deductible, or save $604 by choosing a $1,000 deductible. Even younger drivers, like the age 20 example, could drop their prices as much as $888 or even more by choosing larger deductibles on their policy. If you make the decision to raise deductibles, it is a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that deters many people from opting for higher deductibles.

A good deal can quickly turn bad

Fresno, CA insurance rates are determined by lots of factors that can increase your annual premium. Turning one year older, increasing deductibles, or having a fender bender can trigger price changes that can now make some companies affordable when they were higher priced.

And not only may your rating factors change, but auto insurance companies file new California car insurance rates multiple times each year to ensure their profitability. Higher than normal claims can result in higher priced premiums, while a profitable period can cause more affordable Fresno car insurance rates.

To illustrate this point, the graph below compares the cheapest car insurance in Fresno, CA for a 45-year-old female driver with no accidents, a clean driving record, and good credit. Based on her current situation, USAA quotes the cheapest car insurance rates in Fresno at $1,297 annually. This is $354 less than the average rate paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are the rest of the cheapest Fresno, CA auto insurance companies.

Let’s now give the driver from the first set of rates a claim surcharge, less-than-perfect credit, and a few traffic violations. Since every car insurance company uses their own calculation to set policy rates, comparing rates may now result in a different ranking of the cheapest car insurance companies in Fresno as shown below.

Grange now has the cheapest price in Fresno, CA with Progressive, Allstate, Allied, and Mercury also being competitive. This shows why it is important to compare rates to find affordable car insurance quotes for low mileage drivers.

Insurance prices can be determined by many factors and change substantially, so the best price the last time you compared rates may now cost much more than other companies.

The Fresno auto insurance agencies shown below are a good start to provide answers to your questions and help you determine which is the best policy, since some drivers wish to get some help when shopping for cheaper insurance for low mileage drivers. It can be hard to find the cheapest car insurance policy, and professional agents can give you comfort knowing your policy gives you adequate coverage if you have an accident or claim.

To find a Fresno insurance agent in your neighborhood, click the button below the list.

Farmers Insurance
7161 N Millbrook Ave # 103Fresno, CA 93720(559) 447-9838

Leavitt Group
3245 W Figarden DrFresno, CA 93711(559) 256-2500

Andy Bergstrom – State Farm Insurance Agent
470 E Herndon Ave #109Fresno, CA 93720(559) 435-8332

Progressive Insurance
7020 N Marks Ave #107Fresno, CA 93711(559) 353-3500

Greg Caves – State Farm Insurance Agent
7740 N Fresno St #103Fresno, CA 93720(559) 435-7500

View more Fresno, CA insurance agents

How to find cheaper auto insurance for low mileage drivers

Lowering your rates is not difficult, and here are many money-saving solutions that can help California drivers buy cheaper car insurance.

The last idea is very significant, as we stressed in the prior information. Prices charged by companies change constantly, so drivers shouldn’t be reluctant to switch to a new company if a cheaper rate is available. Many consumers stick with the same company and that’s fine, but it’s not a good idea if that inflexibility results in costing you a lot of money every month. In just a few minutes you could shop around and find cheaper insurance for low mileage drivers in Fresno.