The words “low-priced” and “insurance” probably shouldn’t be used in the same sentence, in particular when searching for the best coverage prices for drivers requiring a SR22. Let’s open your eyes to some of the factors that have an effect on insurance premiums, and see if we can help you take a little off your next policy.
The make and model of vehicle you are seeking coverage for is probably the largest consideration when trying to find cheap insurance for drivers requiring a SR22. Vehicles with high performance features, poor crash test ratings, or a high likelihood of having liability claims will cost substantially more to insure than more modest models. The data below estimates insurance premiums for some of the most budget-friendly vehicles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$3,779|
|Ford Escape Limited 4WD||$3,978|
|Jeep Wrangler Sport 4WD 2-Dr||$3,985|
|Honda Accord LX 4-Dr Sedan||$4,006|
|Volkswagen Jetta S 2.5 Station Wagon||$4,170|
|Chevrolet Silverado LS Regular Cab 4WD||$4,184|
|Dodge Grand Caravan SE||$4,226|
|Toyota RAV4 Limited 4WD||$4,425|
|Toyota Tacoma X-Runner 2WD||$4,624|
|Toyota Camry XLE||$4,630|
|Toyota Corolla LE||$4,624|
|Chevrolet Malibu LS||$4,633|
|Jeep Grand Cherokee SRT-8 4WD||$4,668|
|Dodge Ram 3500 Crew Cab Laramie 2WD||$4,677|
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Data variables include single female driver age 50, two speeding tickets, two at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, homeowner, and multi-vehicle. Premium costs do not factor in specific Fresno, CA garaging location which can affect coverage prices greatly.
Based upon these rates, cars like the Honda CR-V, Ford Escape, Jeep Wrangler, Honda Accord, and Volkswagen Jetta should be a few of the most budget-friendly vehicles to insure for high risk drivers. Auto insurance rates will tend to be higher just due to the fact that there is more inherent risk for drivers requiring a SR22, but in general those models will most likely have the cheapest auto insurance rates that you are likely to find.
One of the many criteria that help determine the annual cost of car insurance is your zip code. Areas with more people or higher crime rates tend to pay more, whereas more rural areas get the luxury of paying less.
The table below ranks the highest-priced areas in California for drivers requiring a SR22 to buy an auto insurance policy in. Fresno shows up at #14 with an annual rate of $1,517 for car insurance, which is approximately $126 each month.
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Premium amounts are estimated as specific Fresno zip code can influence auto insurance rates significantly.
Types of discounts on Fresno auto insurance
Insurers that offer cheap quotes for drivers requiring a SR22 may also offer rate discounts that could reduce prices by 35% or more if you meet certain criteria. The best car insurance companies and their offered discounts can be found below.
- GEICO may have discounts that include seat belt use, daytime running lights, multi-policy, military active duty, emergency military deployment, and multi-vehicle.
- USAA discounts include defensive driver, multi-policy, family discount, loyalty savings, new vehicle, military installation, and good student.
- Progressive includes discounts for online signing, continuous coverage, online quote discount, multi-vehicle, good student, and homeowner.
- American Family offers premium reductions for multi-vehicle, Steer into Savings, mySafetyValet, air bags, early bird, good driver, and TimeAway discount.
- Esurance may offer discounts for good driver, Pac-12 alumni, Switch & Save, multi-policy, claim free, anti-lock brakes, and DriveSense.
- Farmers Insurance may include discounts for business and professional, early shopping, mature driver, pay in full, good student, and bundle discounts.
- State Farm offers discounts for safe vehicle, driver’s education, good student, multiple autos, and Steer Clear safe driver discount.
The diagram below compares car insurance costs with and without discounts. The information is based on a female driver, one at-fault accident and one violation, California state minimum liability limits, full coverage, and $500 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with passive restraint, continuous coverage, anti-theft, multiple policy, paid-in-full, and marriage discounts applied. In this example, the average amount saved each year on car insurance for drivers requiring a SR22 is 28% or $1,128.
How to find a good California car insurance company
Picking the right insurer is hard considering how many companies are available to choose from in California. The ranking data displayed below may help you pick which car insurance providers to look at when shopping your coverage around. These ratings are only made up of companies with a national presence, so companies that have a smaller presence are not included in these rankings.
Top 10 Major Auto Insurance Providers Overall in Fresno
- American Family
- AAA of Southern California
- State Farm
- The Hartford
- AAA Insurance
- The General
- Titan Insurance
Top 10 Major Auto Insurance Providers in Fresno Ranked by A.M. Best Rating
- USAA – A++
- Travelers – A++
- State Farm – A++
- GEICO – A++
- Esurance – A+
- Nationwide – A+
- Allstate – A+
- Mercury Insurance – A+
- Progressive – A+
- Titan Insurance – A+
Compare quotes and save
Fresno, CA car insurance rates are influenced by many factors which can substantially decrease or increase your annual premium. Improving your credit rating, having a claim, or getting a ticket for careless driving may cause policy rate changes resulting in some companies being much cheaper than others.
Also, insurers modify pricing as often as every quarter in order to maintain liquidity for claims. Higher than normal claims may cause additional price hikes, while better underwriting can result in lower-priced Fresno car insurance rates.
For instance, the chart below shows the companies that have the cheapest car insurance in Fresno, CA for a 35-year-old female driver with no prior claims, no tickets, and good credit. When quoting prices based on her current situation, USAA might quote the most affordable car insurance rates in Fresno at $1,323 per year. This is $328 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National are also included in the best Fresno, CA auto insurance companies.
The chart below compares rates after we give the driver in the first example a chargeable claim, less-than-perfect credit, and a speeding citation. Because each company has their own guidelines for determining prices, comparing insurance quotes may result in a different set of cheap Fresno auto insurance companies as shown below.
Grange now has the lowest price on auto insurance in Fresno, CA with Mercury, Allstate, GEICO, and Progressive now being in the top five. This demonstrates why it is important to compare many different companies to get the most economical insurance quotes for drivers requiring a SR22. Insurance prices consist of many risk factors and can decrease or increase without notice, so the cheapest company when you bought your policy may now not even be in the top five.
If you prefer to get some professional input when trying to find lower insurance rates for high risk drivers, the agents listed below are a good start to provide answers to your questions and help you determine which auto insurance coverages would be the best in your situation. To find an auto insurance agency nearest to you, click the link at the bottom.
Allstate Insurance: Frank Salvio
745 E Locust Ave Ste 109 – Fresno, CA 93720 – (559) 449-1603
Farmers Insurance – Belen Sanchez-Ceja
2155 N Fresno St #A – Fresno, CA 93703 – (559) 252-2345
Allstate Insurance: Patricia Pearson
5755 E Kings Canyon Rd Ste 106 – Fresno, CA 93727 – (559) 255-1861
Rufino Paguio – State Farm Insurance Agent
5637 W Figarden Dr #108 – Fresno, CA 93722 – (559) 277-1903