How Much are Fresno Auto Insurance Quotes for Welfare Recipients?

Wouldn’t it be great if we could just tell you one specific company that has the best rates for welfare recipients? Unfortunately, it’s not that simple as there are a ton of unknown aspects like what level of deductibles you wish to have, if you own or rent your home, and the safety ratings of your vehicle, that all go into determining the rate you pay. The information below covers the different ways to avoid overpaying and educate you enough to have a good start to your coverage search.

One of the more important criteria that are used to help calculate the cost of insurance is where you keep your car in Fresno. Cities with more crime and/or more people tend to have higher auto insurance costs, whereas areas with less congestion tend to receive cheaper rates.

The next table lists the most expensive areas in California for welfare recipients to purchase auto insurance in. Fresno is ranked #16 with an annual premium of $1,457 for coverage, which is around $121 monthly.

How much is auto insurance in Fresno, CA?
Rank City Premium Per Year
1 Los Angeles $2,146
2 Glendale $2,142
3 Oakland $1,755
4 San Francisco $1,693
5 Sacramento $1,652
6 San Bernardino $1,644
7 Long Beach $1,610
8 Santa Clarita $1,580
9 Modesto $1,547
10 Riverside $1,542
11 Stockton $1,541
12 Moreno Valley $1,536
13 Fontana $1,535
14 Garden Grove $1,524
15 Anaheim $1,488
16 Fresno $1,457
17 Santa Ana $1,439
18 Huntington Beach $1,416
19 Fremont $1,389
20 Bakersfield $1,381
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Rate information is approximated as specific location information can impact prices noticeably.

Trying to find reasonably-priced car insurance is hard enough, and deciding which companies offer the cheapest auto insurance rates for welfare recipients will involve a bit more work.

Each insurer has a proprietary formula for establishing rates, so let’s take a look at the most competitive auto insurance companies in Fresno. It’s a good idea to know that Fresno, CA auto insurance rates are influenced by many factors that may substantially change the price you have to pay. Simply having another birthday, increasing liability limits, or getting a reckless driving citation may cause policy rate changes resulting in some rates now being more expensive than competitors.

Lowest Insurance Price Quotes in California

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Cheapest California car insurance ranked by price
Rank Company Cost Per Year
1 USAA $1,109
2 Century National $1,190
3 Wawanesa $1,192
4 CSAA $1,234
5 Nationwide $1,263
6 21st Century $1,366
7 Grange $1,491
8 Mercury $1,533
9 Allstate $1,543
10 Allied $1,556
11 Progressive $1,558
12 GEICO $1,575
13 The Hartford $1,639
14 MetLife $1,654
15 State Farm $1,682
16 Esurance $1,688
17 Unitrin $1,750
18 Bristol West $1,849
19 Travelers $1,860
20 Farmers $2,006
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USAA normally has some of the lowest car insurance rates in Fresno at around $1,109 annually. Century National, Wawanesa, CSAA, and Nationwide also rank well as some of the lowest-priced Fresno, CA insurance companies.

As shown above, if you are a customer of Nationwide and switched to Century National, you might achieve an annual premium reduction of about $73. California drivers with 21st Century may save as much as $176 a year, and Grange customers might see rate reductions of $301 a year.

To find cheaper insurance rates for your vehicle, click here or quote rates from the companies below.

It’s important to note that these premium estimates are averages across all drivers and vehicles in California and are not factoring in an exact zip code location for welfare recipients. So the auto insurance company that has the cheapest price for you may not even be in the top 24 companies shown above. That emphasizes why you need to quote rates from as many companies as possible using your own individual information.

Rate increases following a ticket or accident

The easiest way to score the cheapest auto insurance rates in Fresno for drivers on welfare is to drive safe and avoid accidents and violations. The diagram below shows how traffic citations and fender-benders can raise insurance prices for each age group. Data assumes a married male driver, full physical damage coverage, $500 deductibles, and no discounts are applied.

In the previous chart, the average cost of auto insurance in Fresno per year with no accidents and a clean driving record is $1,768. Receive two speeding tickets and the average cost swells to $2,437, an increase of $669 each year. Now add in two accidents along with the two speeding tickets and the yearly cost of auto insurance for welfare recipients goes up to an average of $5,042. That’s an increase of $3,274, or $273 per month, just for being a less-than-perfect driver!

Fresno auto insurance company ratings

Choosing a high-quality insurance provider is difficult considering how many different companies there are to choose from in California. The company information in the lists below can help you pick which auto insurance companies you want to consider when shopping around. These ratings are only made up of the companies with a significant amount of written premium nationwide, so smaller companies are not included in the list.

Top 15 Auto Insurance Companies for Welfare Recipients in Fresno, CA
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
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Data Source: Best Car Insurance Companies

The information below shows how choosing a deductible can raise or lower insurance rates when quoting cheap insurance for welfare recipients. The rates are based on a married female driver, comp and collision included, and no policy discounts are applied.

The data above shows that a 50-year-old driver could pocket $300 a year by switching from a $100 deductible to a $500 deductible, or save $456 by changing to a $1,000 deductible. Even younger drivers, like the 20-year-old category, could possibly save up to $750 each year by using a higher deductible.

If you do make the decision to raise your deductibles, it is essential to have enough savings set aside to allow you to cover the extra out-of-pocket expense. This is the primary disadvantage of choosing high deductibles.