Who Has Cheap Fresno Car Insurance Rates for Drivers with a DUI?

After getting a DUI, one of the big considerations that are looked at to determine the amount you pay for auto insurance is where you live in Fresno. Areas with more people or higher crime rates tend to have more expensive auto insurance rates, whereas more rural areas benefit from lower rates.

The table below sorts the priciest cities in California for drivers with a DUI to purchase car insurance in. Fresno is listed at #13 with an annual cost of $1,502 for the average insured, which is about $125 each month.

Car insurance prices in Fresno
Rank City Annual Premium
1 Los Angeles $2,146
2 Glendale $2,142
3 Sacramento $1,720
4 San Francisco $1,711
5 Oakland $1,704
6 San Bernardino $1,644
7 Santa Clarita $1,595
8 Fontana $1,581
9 Long Beach $1,578
10 Garden Grove $1,554
11 Moreno Valley $1,551
12 Stockton $1,541
13 Fresno $1,502
14 Riverside $1,497
15 Anaheim $1,488
16 Modesto $1,487
17 Santa Ana $1,439
18 Bakersfield $1,381
19 San Diego $1,381
20 San Jose $1,381
21 Huntington Beach $1,374
22 Oxnard $1,358
23 Fremont $1,348
24 Irvine $1,330
25 Chula Vista $1,311
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Table data uses comparative as the specific garaging location can change insurance rates noticeably.

The vehicle model requiring coverage is probably the most important factor that determines whether or not you find the most affordable coverage for drivers with a DUI. Vehicles with lots of horsepower, a lack of advanced safety features, or a high likelihood of having liability claims will cost quite a bit more to insure than more economical and safe models. The table below showcases auto insurance costs for the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Fresno, CA
Insured Vehicle Estimated Cost for Full Coverage
Ford F-150 XL Super Cab 2WD $1,443
Ford Escape XLS 4WD $1,456
Honda CR-V EX 4WD $1,486
Toyota RAV4 Sport 2WD $1,558
Chevrolet Equinox LS 2WD $1,568
Toyota Tacoma Double Cab 4WD $1,587
Hyundai Elantra Blue 4-Dr Sedan $1,613
Toyota Prius $1,623
Dodge Grand Caravan CV $1,628
Ford Edge Sport AWD $1,643
Toyota Corolla XLE $1,650
Kia Optima LX $1,672
Jeep Grand Cherokee SRT-8 4WD $1,679
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Data based on single female driver age 40, two speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, claim-free, homeowner, and multi-policy. Premium costs do not factor in your specific Fresno, CA location which can increase or decrease insurance rates noticeably.

By looking at the data, makes and models like the Ford F-150, Ford Escape, and Honda CR-V are most likely going to be some of the less-costly vehicles to insure after getting a DUI. Rates will trend higher because there is more risk for drivers with a DUI, but generally speaking those particular vehicles will have the lowest prices compared to all other vehicles.

Discount Fresno insurance

Cheaper Fresno, CA car insurance after getting a DUICar insurance companies that provide coverage for drivers with a DUI may additionally offer special discounts that can reduce rates by as much as 30% if you meet certain criteria. Large car insurance companies and the discounts they provide are outlined below.

The chart below visualizes the comparison of car insurance rates with and without discounts. The premiums assume a female driver, no at-fault accidents and two 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 second shows the rates with paperless filing, anti-theft, paid-in-full, homeowner, passive restraint, and vehicle safety discounts applied. When discounts are applied, the average savings per year on car insurance for drivers with a DUI is 28% or $992.

Ratings for Fresno car insurance companies

Selecting a good quality insurer can be rather challenging considering how many companies sell insurance in Fresno. The company information below may help you select which providers to look at when shopping your coverage around.

The rankings below are only made up of large insurance companies, so smaller regional companies are not included in these rankings. If you’d like to compare prices from these and other competitive companies, click this link.

Best Car Insurance Companies for Drivers with a DUI in California
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

How to find the cheapest car insurance for drivers with a DUI

Below you’ll find a few money-saving ideas that can help California drivers locate more affordable car insurance.

The last tip in the list is highly significant, as we hit on in this article. Coverage prices can be modified anytime, so don’t be hesitant to switch companies if you find a cheaper price.

We understand brand loyalty, but it isn’t a good idea if it’s costing you thousands of dollars over the life of your policy. It only take a few minutes to compare prices and find cheaper car insurance for drivers with a DUI in Fresno.

If you aren’t clear which coverage you need and would like to have some advice when comparing insurance rates for drivers with a DUI, the insurance agencies below can most likely help you make a decision which car insurance policy is best.

To locate a Fresno auto insurance agent using an interactive map, click the button at the bottom.

View more Fresno, CA insurance agencies