Determining which companies quote the lowest-priced auto insurance rates for a company car takes more time than just picking a company at random. Every auto insurer has their own guidelines to set premium rates, so let’s take a look at the most budget-friendly auto insurance companies in Fresno.
We do need to point out that California auto insurance rates are calculated based on many things which can substantially change the price you pay. Turning one year older, increasing liability limits, or getting a couple of tickets can cause premium changes that can cause some rates to be cheaper than before.
Lowest Insurance Price Quotes in California
| Rank | Company | Cost Per Year |
|---|---|---|
| 1 | USAA | $1,143 |
| 2 | Wawanesa | $1,146 |
| 3 | Century National | $1,214 |
| 4 | CSAA | $1,222 |
| 5 | Nationwide | $1,250 |
| 6 | 21st Century | $1,325 |
| 7 | Mercury | $1,488 |
| 8 | Grange | $1,491 |
| 9 | Allstate | $1,513 |
| 10 | Progressive | $1,558 |
| 11 | GEICO | $1,559 |
| 12 | Allied | $1,603 |
| 13 | MetLife | $1,638 |
| 14 | The Hartford | $1,639 |
| 15 | State Farm | $1,699 |
| 16 | Unitrin | $1,699 |
| 17 | Esurance | $1,705 |
| 18 | Travelers | $1,788 |
| 19 | Bristol West | $1,831 |
| 20 | Farmers | $2,026 |
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USAA has some of the best car insurance rates in Fresno at around $1,143 a year. Wawanesa, Century National, CSAA, and Nationwide also are some of the most economical Fresno, CA car insurance companies.
As illustrated above, if you buy coverage from Century National and switched to USAA, you might achieve a yearly savings of upwards of $71. California drivers with CSAA might save as much as $79 a year, and Nationwide policyholders might reduce rates by $107 a year.
To find out how much you can save, click here to begin a quote or click several companies below for low rates.
These policy rates are averaged for all drivers and vehicles in California and and are not calculated with a specific vehicle garaging location for a company car. So the auto insurance company that is best suited for you may not even be in the top 24 companies shown above. That points out the importance of why you need to compare as many prices as possible using your own individual information.
One of the many criteria that determine car insurance rates is where you live. Areas with high crime rates or more dense population tend to pay slightly more, whereas areas with fewer weather claims and lower vehicle theft rates tend to receive slightly lower rates.
The next table sorts the most expensive cities in California for a company car to buy an auto insurance policy in. Fresno shows up at #16 costing $1,457 on average, which is about $121 per month.
| Rank | City | Average Per Year |
|---|---|---|
| 1 | Los Angeles | $2,083 |
| 2 | Glendale | $2,079 |
| 3 | Oakland | $1,755 |
| 4 | Sacramento | $1,720 |
| 5 | San Francisco | $1,711 |
| 6 | San Bernardino | $1,596 |
| 7 | Santa Clarita | $1,595 |
| 8 | Stockton | $1,588 |
| 9 | Long Beach | $1,578 |
| 10 | Garden Grove | $1,570 |
| 11 | Fontana | $1,566 |
| 12 | Moreno Valley | $1,506 |
| 13 | Modesto | $1,502 |
| 14 | Santa Ana | $1,497 |
| 15 | Riverside | $1,482 |
| 16 | Fresno | $1,457 |
| 17 | San Jose | $1,437 |
| 18 | Anaheim | $1,430 |
| 19 | Huntington Beach | $1,416 |
| 20 | Bakersfield | $1,381 |
| 21 | San Diego | $1,368 |
| 22 | Fremont | $1,361 |
| 23 | Irvine | $1,343 |
| 24 | Oxnard | $1,318 |
| 25 | Chula Vista | $1,298 |
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Rate information is estimated as the specific garaging location can increase or decrease price quotes considerably.
The vehicle you are trying to insure is a large factor when comparison shopping for the cheapest insurance for a company car. Vehicles with high performance, poor passenger safety features, or an increased likelihood of liability claims will cost much more to insure than safer models.
The next table illustrates insurance prices for some of the more affordable automobiles to buy insurance for.
| Insured Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Honda Accord LX 4-Dr Sedan | $810 |
| Honda CR-V EX 2WD | $883 |
| Jeep Wrangler Sport Islander Package 4WD 2-Dr | $887 |
| Ford Escape XLT 4WD | $907 |
| Honda Civic DX 4-Dr Sedan | $938 |
| Ford Edge Limited 2WD | $943 |
| Toyota RAV4 Limited 4WD | $955 |
| Ford F-150 XLT Crew Cab 4WD | $975 |
| Hyundai Elantra SE 4-Dr Sedan | $1,006 |
| Toyota Prius | $1,012 |
| Toyota Tacoma 2WD | $1,019 |
| Ford Focus S 4-Dr Sedan | $1,026 |
| Toyota Camry LE | $1,043 |
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Data rating is based on married male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include safe-driver, claim-free, multi-policy, multi-vehicle, and homeowner. Rates do not factor in specific Fresno, CA garaging location which can affect coverage prices considerably.
By looking at the data, we can presume that cars like the Honda Accord, Honda CR-V, Jeep Wrangler, and Ford Escape are going to be some of the more affordable vehicles to insure for your employer’s vehicle.
The information below demonstrates how choosing different deductibles can raise or lower annual premium costs when quoting cheap insurance for a company car. The premiums assume a single male driver, comp and collision included, and no other discounts are factored in.
The data above shows that a 30-year-old driver could save $410 a year by switching their comprehensive and collision coverages from a $100 deductible up to a $500 deductible, or save $616 by choosing a $1,000 deductible. Young drivers, such as the 20-year-old chart data, can cut as much as $1,190 every year by choosing larger deductibles on their policy. If you do make the decision to raise your deductibles, it is important to have enough in a savings account to allow you to cover the extra out-of-pocket expense that comes with higher deductibles.
Ending up with the right car insurance company is difficult considering how many choices there are in California. The company ratings below can help you select which providers to look at to insure your vehicles.
These ratings are only comprised of the largest companies in America, so companies that focus mainly on California business are not factored into these rankings. To check prices and find the cheapest rates for a company car, just 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 |
| 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 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
Get discount Fresno auto insurance rates
Car insurance companies that offer coverage for a company car could also offer special discounts that could reduce prices by 30% or more if you meet specific criteria. Large auto insurance companies and some of their more popular discounts are outlined below.
- Progressive may include discounts for continuous coverage, online signing, homeowner, multi-vehicle, good student, and online quote discount.
- GEICO policyholders can earn discounts including military active duty, membership and employees, multi-vehicle, driver training, defensive driver, anti-lock brakes, and good student.
- State Farm may have discounts that include good student, passive restraint, multiple policy, driver’s education, anti-theft, Drive Safe & Save, and accident-free.
- Esurance offers discounts including DriveSense, anti-theft, good student, good driver, defensive driver, and homeowner.
- The Hartford offers discounts for defensive driver, driver training, anti-theft, good student, vehicle fuel type, and air bag.
The example below illustrates the difference between annual premium costs with and without discounts applied to the rates. The rates are based on a male driver, a clean driving record, no at-fault accidents, California state minimum liability limits, full coverage, and $1,000 deductibles.
The first bar for each age group shows the price with no discounts. The second shows the rates with defensive driving course, homeowner, marriage, safe-driver, multiple vehicle, and multiple policy discounts applied. When drivers take advantage of discounts, the average amount saved on auto insurance for a company car is 28% or $695.
Why it’s important to shop around
Fresno auto insurance rates are determined by lots of factors which can substantially change the price you pay for coverage. Simply having another birthday, getting married, or getting into an accident may cause policy rate changes that can cause some rates to be cheaper than before.
Not only may your risk profile change, but insurance companies amend premium rates without warning to adjust for unexpected claims or profits. Significantly higher losses may result in higher prices, while lower claims can produce cheaper Fresno car insurance rates.
As an example, the data below shows which company has the cheapest car insurance in Fresno, CA for a 35-year-old male driver with no prior accidents, a clean driving record, and solid credit. If we estimate prices based on his current risk profile, USAA might offer the lowest car insurance rates in Fresno at $1,218 per year. This is $433 less than the average premium paid by California drivers of $1,651. Wawanesa, Century National, CSAA, and Nationwide are also included in the most affordable Fresno, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates an accident surcharge, a little lower credit rating, and a speeding citation. Due to the fact that every auto insurer has a different process for setting prices, getting updated rate quotes could now result in a significantly different list of affordable Fresno car insurance companies as shown below.
Grange now has the lowest car insurance rate in Fresno with Mercury, GEICO, Allstate, and Allied also being competitive. This example proves why California drivers need to shop around with many companies when trying to find the cheapest auto insurance quotes for a company car. Insurance rates can be determined by many things and can change without notice, so the best price a year ago may now be an over-priced policy.