Who Has Cheap Car Insurance Quotes for College Students in Fresno?

For students in college, one of the more important things that are looked at to help calculate auto insurance rates is where you keep your car in Fresno. Larger areas tend to have higher auto insurance costs, whereas more rural areas have the benefit of cheaper auto insurance prices.

The information below lists the most expensive areas in California for college students in which to buy car insurance. Fresno is listed at #15 having an annual price of $1,457 for car insurance, which is about $121 monthly.

How much does car insurance cost in Fresno, CA?
Rank City Annual Rate
1 Los Angeles $2,146
2 Glendale $2,058
3 San Francisco $1,763
4 Oakland $1,738
5 Sacramento $1,669
6 Long Beach $1,610
7 San Bernardino $1,580
8 Garden Grove $1,554
9 Santa Clarita $1,548
10 Stockton $1,541
11 Fontana $1,535
12 Modesto $1,502
13 Moreno Valley $1,491
14 Riverside $1,482
15 Fresno $1,457
16 Santa Ana $1,453
17 San Jose $1,437
18 Anaheim $1,430
19 Huntington Beach $1,402
20 Fremont $1,361
21 Irvine $1,343
22 Bakersfield $1,340
23 San Diego $1,327
24 Oxnard $1,304
25 Chula Vista $1,298
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Rate quotes are estimated as zip code location can affect auto insurance rates significantly.

The type of vehicle needing coverage is a large consideration when looking for the cheapest car insurance for college students. Vehicles with high performance engines, poor safety ratings, or a high likelihood of having liability claims will cost significantly more to insure than more economical and safe models.

The table below shows coverage costs for the most cost-effective automobiles to insure in California.

Cheapest Vehicles to Insure in Fresno, CA
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,731
Ford Escape XLT 4WD $2,770
Toyota Prius $3,013
Jeep Wrangler Sahara 4WD 2-Dr $3,039
Ford Explorer Eddie Bauer 2WD $3,049
Honda Odyssey EX W/Rear Entertainment $3,201
Chevrolet Equinox LT 2WD $3,240
Toyota RAV4 2WD $3,245
Volkswagen Jetta S 4-Dr Sedan $3,240
Jeep Grand Cherokee Laredo 4WD $3,247
Chevrolet Malibu LT $3,282
Ford F-150 Lariat Crew Cab 2WD $3,292
Dodge Grand Caravan SXT $3,282
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Data based on single male driver age 20, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, and claim-free. Table data does not factor in vehicle location which can change insurance rates greatly.

Based upon the rates shown, we can assume that makes and models like the Honda CR-V, Ford Escape, Toyota Prius, Jeep Wrangler, and Ford Explorer are a few of the most affordable vehicles to insure for students in college. Auto insurance rates will be more expensive because of the fact that there is a higher risk for college students, but in general those specific models will have the cheapest auto insurance rates available.

The diagram below highlights how deductible selection can influence insurance premiums when searching for cheap insurance for college students. The rates are based on a married female driver, comp and collision included, and no additional discounts are factored in.

The chart above illustrates that a 30-year-old driver could cut expenses by $490 a year by switching from a $100 deductible to a $500 deductible, or save $736 by switching to a $1,000 deductible. Youthful drivers, such as the Age 20 example, could potentially save up to $1,042 annually by using higher deductibles when buying full coverage.

If you do make the decision to raise your deductibles, it is necessary to have spare funds to enable you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Buying coverage from a highly-rated insurance company can be difficult considering how many companies are available to choose from in California. The rank data in the next section may help you pick which coverage providers you want to consider when looking for cheaper rates. These rankings include large, nationwide insurance companies, so smaller companies are not taken into consideration for these rankings.

Top 10 Major Auto Insurance Providers in Fresno Ranked by Customer Service

  1. AAA of Southern California
  2. GEICO
  3. State Farm
  4. The Hartford
  5. Mercury Insurance
  6. The General
  7. Progressive
  8. Allstate
  9. AAA Insurance
  10. American Family

Top 10 Major Auto Insurance Providers in Fresno Ranked by Value

  1. USAA
  2. American Family
  3. The Hartford
  4. AAA of Southern California
  5. Titan Insurance
  6. The General
  7. AAA Insurance
  8. State Farm
  9. Mercury Insurance
  10. Nationwide

If you prefer to have a consultation when trying to find the best insurance rates for students in college, the agents listed below can probably help you determine which coverages are best.

To locate a Fresno insurance agent in your neighborhood, click the button following the list.

Find a Fresno, CA insurance agent near you

How to find budget-friendly insurance for college students

Here are some of the recommended money-saving solutions that can help California drivers locate cheap coverage.

The last tip in the list is remarkably valuable, as was stressed in the prior article. Rates can change in a short period of time, so don’t be unwilling to change insurance companies if you can find a cheaper rate.

Having brand loyalty is commendable, but it’s not recommended if that faithfulness ends up costing you potentially thousands of dollars a year. In just a few minutes you could compare rates to find cheaper auto insurance for college students in Fresno.