Which Company has the Cheapest Auto Insurance in Fresno, California?

Finding good, low-priced insurance is not the easiest thing to accomplish, and finding out which company has the cheapest car insurance rates in Fresno involves even more rate comparisons.

Every auto insurer has a unique approach for filing rates in each state, so let’s take a look at the car insurance companies that tend to have lower prices in Fresno, CA. We do need to point out that California car insurance rates are based on many factors that can increase the policy price. This price variability is why it is crucial to shop around to find the best car insurance rates in Fresno. Rates consist of many different factors and can change substantially, so the lowest-price company two years ago may now be priced much higher than other options.

Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,121
2 Wawanesa $1,157
3 CSAA $1,186
4 Century National $1,226
5 Nationwide $1,263
6 21st Century $1,338
7 Grange $1,477
8 Mercury $1,503
9 Allstate $1,513
10 Progressive $1,542
11 GEICO $1,559
12 Allied $1,588
13 The Hartford $1,623
14 MetLife $1,638
15 Esurance $1,688
16 State Farm $1,733
17 Unitrin $1,750
18 Bristol West $1,777
19 Travelers $1,842
20 Farmers $1,966
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USAA normally has some of the best car insurance rates in Fresno at around $1,121 per year. This is $530 less than the average price paid by California drivers of $1,651. Wawanesa, CSAA, Century National, and Nationwide also make the cut as some of the lowest-priced Fresno, CA auto insurance companies.

As shown in the table above, if you are currently insured with Century National and switched to USAA, you may see an annual savings of around $105. Insureds with Nationwide may save as much as $142 a year, and 21st Century policyholders might realize rate reductions of up to $217 a year.

These policy rates are averaged across all drivers and vehicles and and are not figured with a specific zip code in Fresno. So the auto insurance company that fits your situation best may not even be in the top 24 companies shown above. That points out the importance of why you need to get car insurance quotes using your own specific driver and vehicle information.

For drivers in Fresno, one of the largest things that aid in calculating the amount you pay each year for auto insurance is where you live. Cities with larger populations will most likely pay more, whereas areas that tend to be more rural tend to receive slightly lower rates.

The next table ranks the priciest cities in California to buy an auto insurance policy in. Fresno shows up at #17 with an annual cost of $1,457 for the average insured, which is around $121 per month.

Car insurance prices in Fresno
Rank City Premium Per Year
1 Glendale $2,142
2 Los Angeles $2,104
3 San Francisco $1,763
4 Oakland $1,755
5 Sacramento $1,703
6 San Bernardino $1,628
7 Long Beach $1,626
8 Stockton $1,588
9 Fontana $1,581
10 Garden Grove $1,554
11 Riverside $1,542
12 Santa Clarita $1,533
13 Moreno Valley $1,506
14 Santa Ana $1,497
15 Modesto $1,487
16 Anaheim $1,474
17 Fresno $1,457
18 San Jose $1,423
19 Huntington Beach $1,416
20 Fremont $1,389
21 Irvine $1,371
22 Bakersfield $1,353
23 San Diego $1,340
24 Oxnard $1,318
25 Chula Vista $1,311
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Rate quotes are estimated as the specific geographic location can impact coverage rates greatly.

The make and model of vehicle you are buying coverage for is probably the largest consideration when quoting affordable coverage in Fresno. Vehicles with limited speed and performance, advanced safety features, or a track record of few liability claims will cost less to insure than adrenaline junky models. The information below shows coverage prices for a handful of the more affordable vehicles to insure in California.

Cheapest Vehicles to Insure in Fresno, CA
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLS 2WD $965
Honda Accord LX 4-Dr Sedan $970
Toyota Prius $1,071
Toyota Tacoma 4WD $1,080
Jeep Wrangler Rubicon 4WD 2-Dr $1,086
Ford F-150 FX2 Super Cab 2WD $1,080
Honda CR-V EX-L 4WD $1,089
Nissan Altima 2.5 S 4-Dr Sedan $1,204
Ford Focus S 4-Dr Sedan $1,224
Volkswagen Jetta SE 4-Dr Sedan $1,226
GMC Sierra 3500HD SLE Extended Cab 2WD $1,246
Toyota RAV4 Sport 2WD $1,251
Chevrolet Silverado LT Extended Cab 4WD $1,258
Honda Odyssey EX W/Rear Entertainment $1,257
Dodge Grand Caravan SXT $1,275
Ford Explorer Limited 4WD $1,282
Chevrolet Malibu Hybrid $1,286
Jeep Grand Cherokee Laredo 2WD $1,296
Honda Civic LX-S 4-Dr Sedan $1,317
Chevrolet Impala LTZ $1,319
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Data based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include claim-free, safe-driver, multi-vehicle, multi-policy, and homeowner. Premium amounts do not factor in specific garaging location which can raise or lower premiums noticeably.

Looking at the rates, we can conclude that vehicles like the Ford Escape, Honda Accord, and Toyota Prius will definitely be the most budget-friendly vehicles to insure for drivers in Fresno.

The example below illustrates how your deductible choice can change premium costs when researching cheap insurance in Fresno. The rates are based on a married male driver, comprehensive and collision coverage, and no discounts are applied to the premium.

The data above shows that a 50-year-old driver could cut expenses by $428 a year by switching the physical damage coverage from a $100 deductible to a $500 deductible, or save $648 by selecting a $1,000 deductible. Younger drivers, like the Age 20 category, could lower their rates $1,434 annually by using a higher deductible. When using a larger deductible, it’s a good idea to have enough savings to allow you to pay the extra out-of-pocket expense that is associated with using high deductibles.

Get discounts on Fresno car insurance rates

Discounts on insurance in FresnoInsurance companies that provide policies in Fresno may additionally offer premium discounts that can reduce rates by 40% or more if you meet specific eligibility requirements. Companies and some of the premium reductions they offer are included below.

The diagram below shows the comparison of premium costs with and without some available policy discounts. The price estimates are based on a male driver, no claims or violations, California state minimum liability limits, full physical damage coverage, and $500 deductibles. The first bar for each age group shows the price with no discounts. The lower bar shows the rates with accident-free, marriage, vehicle safety, defensive driving course, safe-driver, and multiple policy discounts applied. When these discounts are applied, the average amount saved on insurance in Fresno is 28% or $777.

How to find more affordable car insurance in Fresno

It’s not impossible to find cheaper rates, and here are some of the better thrifty ideas that can help you quote lower-cost auto insurance.

The last tip in the list is very vital, as was affirmed in this article. Coverage rates in Fresno adjust frequently, so drivers shouldn’t be resistant to buy from a new company if you can find a cheaper rate. Loyalty to a specific company is fine, but it’s not recommended if that loyalty results in overpaying big bucks every year. It only takes a couple minutes to compare prices and find cheaper insurance in Fresno.