One of the many criteria that are looked at to help calculate the amount you pay for auto insurance is the neighborhood you call home. Regions with more people or even just more weather-related claims are more likely to have higher rates, whereas areas that tend to be more rural tend to receive slightly lower rates.
The illustration below shows the most expensive cities in California for 4×4 vehicles to purchase auto insurance in. Fresno shows up at #17 with the annual price of $1,457 for the average insured, which is around $121 monthly.
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Premium costs are estimated as the vehicle garaging location can influence prices significantly.
The type of vehicle that needs insurance is a large factor that determines whether or not you can buy affordable auto insurance for 4×4 vehicles. Vehicles with average performance, good crash test ratings, or low incidents of liability claims will cost quite a bit less to insure than adrenaline junky models. The data below features car insurance costs for the cheapest automobiles to buy coverage for.
|Vehicle Insured||Estimated Cost for Full Coverage|
|Honda CR-V EX-L 2WD||$994|
|Honda Odyssey EX||$1,129|
|Toyota RAV4 Sport 4WD||$1,151|
|Ford Escape Limited 4WD||$1,158|
|Ford Explorer Limited 2WD||$1,174|
|Ford F-350 XL Super Cab 2WD||$1,196|
|Dodge Grand Caravan CV||$1,236|
|Chevrolet Malibu LS||$1,260|
|Ford Fusion S 4-Dr Sedan||$1,266|
|Ford Edge SE AWD||$1,267|
|Ford F-150 Lariat Crew Cab 4WD||$1,285|
|Chevrolet Equinox LT AWD||$1,296|
|Chevrolet Silverado LS Regular Cab 2WD||$1,303|
|Ford Focus SES 4-Dr Sedan||$1,305|
|Toyota Camry Hybrid||$1,318|
|Kia Optima SX||$1,326|
|Nissan Altima 2.5 S 2-Dr Coupe||$1,318|
|Toyota Tacoma Double Cab 4WD||$1,325|
|Hyundai Elantra GLS 4-Dr Sedan||$1,329|
|Jeep Wrangler Unlimited Sport 2WD 4-Dr||$1,331|
|Dodge Ram 3500 Mega Cab SLT 2WD||$1,343|
|Nissan Rogue SL 2WD||$1,349|
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and California minimum liability limits. Discounts applied include multi-policy, claim-free, multi-vehicle, safe-driver, and homeowner. Information does not factor in your specific Fresno, CA location which can influence insurance rates substantially.
Looking at the numbers, you can assume that cars like the Honda CR-V, Honda Odyssey, Toyota RAV4, Ford Escape, and Ford Explorer are likely to be a few of the cheaper vehicles to insure for off-road vehicles.
Locating low-cost car insurance is easier said than done, and determining which insurers offer the most affordable car insurance rates for 4×4 vehicles calls for more quotes for comparison. Every insurance provider has a proprietary formula for determining prices, so let’s begin by examining the car insurance companies that tend to have lower prices in Fresno.
It’s important that readers know that Fresno, CA car insurance rates are determined by lots of factors that control the price you have to pay. This price fluctuation is why drivers need to do a thorough rate comparison to find the most affordable auto insurance quotes for 4×4 vehicles. Prices are calculated by many things and change frequently, so the most economical option the last time you compared rates may now be one of the more expensive options.
Find Cheaper Car Insurance for 4×4’s
|Rank||Company||Cost Per Year|
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Wawanesa normally has some of the lowest car insurance rates in Fresno at around $1,146 per year. This is $505 less than the average policy premium paid by California drivers of $1,651. USAA, CSAA, Century National, and Nationwide also qualify as some of the best Fresno, CA insurance companies.
In the above rates, if you are a policyholder with USAA and switched to Wawanesa, you could earn yearly savings of roughly $9. Policyholders with CSAA may save as much as $76 a year, and Century National customers might cut rates by $80 a year.
Understand that those policy prices are averages for all ages of drivers and types of vehicles and are not factoring in an exact location for 4×4 vehicles. So the car insurance company that can offer the best rates for your situation may not even be in the list above. That affirms the importance of why you need to quote rates from many companies using your own personalized driver profile and vehicle information.
How to get discounts on Fresno insurance
Insurers that provide policies for 4×4 vehicles may also give you policy discounts that can lower rates by 40% or more if you are eligible. A few popular companies and some of their more popular discounts can be read below.
- State Farm offers discounts for student away at school, good student, anti-theft, good driver, and driver’s education.
- Liberty Mutual offers premium reductions for multi-policy, newly married, newly retired, teen driver discount, multi-car, and exclusive group savings.
- American Family may include discounts for Steer into Savings, defensive driver, good student, accident-free, and TimeAway discount.
- Progressive has savings for homeowner, online quote discount, multi-vehicle, continuous coverage, multi-policy, and good student.
- Farmers Insurance may offer discounts for distant student, homeowner, good student, bundle discounts, and teen driver.
- Auto-Owners Insurance discounts include paperless, mature driver, company car, anti-theft, and safe vehicle.
- SAFECO has discounts for accident prevention training, multi-car, bundle discounts, drive less, and teen safety rewards.
The chart below compares annual premium costs with and without discounts applied. The price estimates are based on a male driver, no claims or driving citations, California state minimum liability limits, comp and collision included, and $100 deductibles. The first bar for each age group shows the average rate with no discounts. The second shows the rates with vehicle safety, multiple policy, multiple vehicle, safe-driver, marriage, and defensive driving course discounts applied. When drivers take advantage of discounts, the average yearly reduction on car insurance for 4×4 vehicles is 28% or $698.
Car insurance rates are higher with tickets and accidents
A great way to find the best car insurance rates for off-road vehicles is to drive carefully and avoid at-fault accidents and violations. The diagram below shows how speeding tickets and at-fault accidents can increase insurance premiums for different categories of driver ages. The rate quotes are based on a single female driver, full physical damage coverage, $500 deductibles, and no discounts are applied.
In the example above, the average cost of auto insurance per year with no accidents or violations is $1,978. Add in two speeding tickets and the average cost rises to $2,645, an increase of $667 each year. Then add one accident along with the two speeding tickets and the 12-month cost of car insurance for 4×4 vehicles jumps again to an average of $3,314. That’s an increase of $1,336, or $111 per month, just for not paying attention while driving!
The diagram below illustrates how your choice of deductibles can affect premium costs when trying to find cheap insurance for 4×4 vehicles. The premiums are based on a single male driver, comp and collision included, and no discounts are taken into consideration.
The chart above illustrates that a 40-year-old driver could lower their policy premium by $362 a year by changing from a $100 deductible to a $500 deductible, or save $546 by selecting a $1,000 deductible. Even younger insureds, like the 20-year-old category, have the ability to save up to $1,190 each year just by using higher deductibles.
When raising deductibles, it will be necessary to have enough savings set aside to be able to pay the extra out-of-pocket expense, which is the one disadvantage of using larger deductibles.
Here’s why you should shop around
Fresno car insurance rates are calculated based on many things that can increase your annual premium. Improving your credit score, getting married, or getting a driving violation can produce rate changes that may make certain companies more affordable than competitors.
Not only may your risk profile change, but insurers amend premium rates as needed in order to be able to pay unexpected claims. Higher than normal claim frequency or severity can result in price increases, while a profitable period may cause cheaper Fresno car insurance rates.
The data below shows the cheapest car insurance in Fresno, CA for a 40-year-old male driver with no accidents or violations, and a good credit history. Based on his personal profile, USAA might offer the lowest car insurance rates in Fresno at $1,245 per year. This is $406 less than the average rate paid by California drivers of $1,651. Wawanesa, CSAA, Nationwide, and Century National round out the rest of the cheapest Fresno, CA auto insurance companies.
In the next rate comparison, we’ll give the driver from the first set of rates an at-fault accident, slightly worse credit, and a few traffic violations. Since each auto insurance company has their own unique process for setting rates, comparing prices may result in a substantially altered list of affordable Fresno car insurance companies as shown below.
Grange now has the best price on car insurance in Fresno with Mercury, Allstate, GEICO, and Progressive also being competitive. This example shows why consumers need to compare many different companies to find the best insurance quotes for 4×4 vehicles. Insurance rates can be altered by many risk factors and can change without notice, so the cheapest rate a year ago may now not even be in the top five.