Find the Cheapest Car Insurance Quotes in Your Area
Fresno is know for its (relative) affordability and lower cost of living. We wanted to see whether that reputation extends to auto insurance. Our analysts collected quotes from 44 auto insurance companies operating in Fresno and compared premiums across the city for a sample driver profile. We found that the average cost of auto insurance in Fresno is $2000, which is on par as the rest of The Golden State. Check out the rest of this guide to learn just who has the most affordable auto insurance policies, and how car insurance quotes in Fresno compare across a variety of factors.
Cheapest Car Insurance in Fresno
Out of the dozens of auto insurers we looked at, Everest National had the most affordable rates. It was followed closely by Metromile and Metropolitan Direct. We recommend any quotes you obtain when shopping for auto insurance in Fresno come from at least 2 of these companies. When picking a policy, the more quotes you obtain the better your odds of getting the best price possible, which is why we encourage readers to obtain a sampling of quotes from a variety of insurers (big and small). The table below lists all of the companies we included in our survey.
|Company||Average Annual Car Insurance Premium|
|Horace Mann Prop and Cas||$1,450|
|Government Employees Ins Co||$1,599|
|CSAA Insurance Exchange||$1,683|
|Pacific Property & Casualty||$1,759|
|Nations Ins. Co.||$1,920|
|United Financial Cas (Progressive)||$1,985|
|Federal Ins (CHUBB)||$2,519|
As you can see Liberty Mutual and Viking are among the most expensive. This is a pattern we picked up on as we collected quotes across all of California and the rest of the nation. Big brands can often be the most expensive. However, you need to consider that they will often allow you to save money through the bundling of multiple policies or by offering other types of discounts. Also, keep in mind that the process of filing and handling a claim can be a lot smoother with large insurers that have 24/7 customer support and automated systems that can expedite the time it takes for you to get your money.
What Are The Cheapest Cars to Insure?
As mentioned above, the cost of car insurance is dependent on many factors – including the type of cars. To show Fresno drivers which types of cars pay less for auto insurance, including by how much this price varies. In Fresno, the cheapest car we found to insure was Toyota Highlander. The most expensive cars to insure in Fresno are BMWs and Honda Accords – in that order. See the average price to insure these vehicles in the graph below.
|Car||Avg. Annual Insurance Premium|
If you’re involved in an accident, your insurer must pay to replace any damage done to the vehicle. Therefore, cars that have more expensive parts that are expensive (or difficult) to replace will drive up the price of your policy. If you own an antique car, you may need to purchase a special type of policy known as “classic car insurance”.
Minimum Auto Insurance Required in Fresno, CA
The less your insurance policy covers, the less expensive it will be on a monthly basis. That’s because by opting out of certain coverage or lowering your limits, you are reducing the total risk to the insurer. In other words, they will be on the hook for less money in the event you get into an accident. However, the state of California mandates that you maintain a bare minimum amount of coverage. This is mostly to protect other drivers. The state wants to make sure every driver has a policy that can pay for damages or health costs of other motorists.
If you are caught driving with no insurance, or do not adhere to these minimum requirements, you may face penalties. Note that if you drive into a state where the minimum requirements are higher than what your policy covers, your insurer will automatically cover that state’s minimum.
To provide readers with the best information, we obtained 90 quotes across 44 insurers in the Fresno area. The quotes were obtained for a sample driver, whose profile is the following:
- Coverage Type: Standard
- Location: All
- Insurance For: Male
- Years Licensed: 9 to 15
- Mileage: 7,600 – 10,000
- Driving Record: No Violations
- Vehicle: Honda Accord