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Four steps to find cheaper Fresno car insurance rates

The easiest way to find discount car insurance rates is to compare prices annually from insurance carriers who provide auto insurance in Fresno.

  1. Get an understanding of how car insurance works and the things you can control to prevent expensive coverage. Many rating factors that cause rate increases like getting speeding tickets and poor credit history can be eliminated by being financially responsible and driving safely.
  2. Quote rates from direct, independent, and exclusive agents. Exclusive and direct companies can only provide price estimates from a single company like GEICO or Farmers Insurance, while agents who are independent can provide rate quotes for a wide range of companies.
  3. Compare the new rate quotes to your existing coverage and determine if there is any savings. If you find better rates and make a switch, make sure coverage does not lapse between policies.
  4. Provide adequate notice to your current company of your intention to cancel the current policy. Submit payment along with a signed and completed policy application to the new company. As soon as you have the new policy, safely store the proof of insurance certificate in an easily accessible location.

The most important part of shopping around is to compare identical limits and deductibles on every quote request and and to get prices from as many different companies as possible. This provides an apples-to-apples comparison and a complete selection of prices.

AUTO INSURANCE FACT
Fresno drivers overpay an average of $865 a year for car insurance. Compare rates now and save.

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The price you pay for auto insurance is dependent on many factors, but the average policy in Fresno is right around $1,400 annually. The national average roughly $1,224, so Fresno residents pay about $210 more each year than drivers in surrounding states.

The cost of auto insurance in Fresno depends on many variables, and one of the primary price factors is the type of car or truck you own. The rate information below shows estimated premium rates for the most popular vehicles insured in Fresno.

Car Insurance Rates for Popular Vehicles in Fresno
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Impala LT $1,166 $583 $97
Chevrolet Silverado LT Extended Cab 2WD $1,248 $624 $104
Dodge Ram Quad Cab Sport 2WD $1,358 $679 $113
Ford Escape XLT 2WD $986 $493 $82
Ford Explorer Eddie Bauer 4WD $1,188 $594 $99
Ford F-150 Lariat King Ranch 4WD $1,276 $638 $106
Ford Focus SE 4-Dr Sedan $1,142 $571 $95
Ford Fusion Hybrid 4-Dr Sedan $1,474 $737 $123
Honda Accord EX 4-Dr Sedan $986 $493 $82
Honda CR-V EX-L 4WD $1,010 $505 $84
Honda Civic SI 2-Dr Coupe $1,536 $768 $128
Hyundai Elantra GLS Touring Station Wagon $986 $493 $82
Hyundai Sonata Limited 4-Dr Sedan $1,334 $667 $111
Kia Optima LX $1,248 $624 $104
Nissan Altima 2.5 S 2-Dr Coupe $1,334 $667 $111
Nissan Rogue SL 2WD $1,248 $624 $104
Toyota Camry Hybrid $1,334 $667 $111
Toyota Corolla S $1,230 $615 $103
Toyota Prius $1,094 $547 $91
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Data rating is based on married female driver age 40, no speeding tickets, no at-fault accidents, $1000 deductibles, and California minimum liability limits. Discounts applied include multi-vehicle, homeowner, safe-driver, multi-policy, and claim-free. Rate information does not factor in garaging location in Fresno which can increase or decrease coverage prices considerably.

Get lower-cost car insurance with discounts

The illustration below visualizes the comparison of insurance costs with and without policy discounts. The premium estimates are based on a female driver, no claims or violations, California state minimum liability limits, comprehensive and collision coverage, and $500 deductibles. The first bar for each age group shows premium with no discounts. The second shows the rates with multi-car, marriage, safe-driver, multi-policy, homeowner, and claim-free discounts applied.

Top 15 cheapest vehicles to insure in Fresno, CA
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Chevrolet Colorado
Mazda 5
Ford F-150
Nissan Xterra
Jeep Wrangler
Top 15 most expensive vehicles to insure in Fresno, CA
Mercedes-Benz S65 AMG
Mercedes-Benz CL65 AMG
Mercedes-Benz CL600
Audi R8
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Porsche 911
Mercedes-Benz CL550
Porsche Panamera
TESLA Roadster
Chevrolet Corvette
Porsche Cayenne
Top 15 safest vehicles to insure in Fresno, CA
Audi Q7
Toyota FJ Cruiser
Subaru Outback
Toyota Tacoma
Jeep Wrangler
Jeep Liberty
Chevrolet Colorado
Buick Enclave
Ford Expedition EL
GMC Yukon
Chevrolet Silverado 2500HD
GMC Acadia
Chrysler Town and Country
Chevrolet Tahoe
Chevrolet Equinox
Fresno, California Car Insurance Company Rankings
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
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