Best Cheap Auto Insurance in Fresno, CA (2021)

The average Fresno, CA auto insurance rates are $308 per month. The minimum auto insurance in Fresno is at least 15/30/5 in coverage to comply with California auto insurance laws. To find the best cheap auto insurance in Fresno, California, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • The most expensive auto insurance company in Fresno for teen drivers is Farmers
  • The average commute length in Fresno is 22.2 minutes
  • The minimum auto insurance required in Fresno, California is 15/30/5

Fresno, California auto insurance requirements are 15/30/5 according to California auto insurance laws. Finding cheap auto insurance in Fresno can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fresno, California, including driving record, credit, commute time, and more.

Compare auto insurance in Fresno to other California cities, including Fresno auto insurance rates, San Jose auto insurance rates, and San Francisco auto insurance rates to see how Fresno, California auto insurance rates stack up.

Before you buy Fresno, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fresno, California auto insurance quotes.

Minimum Auto Insurance in Fresno, California

Fresno, California auto insurance laws require that you have at least the California minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fresno, California.

Minimum Required Auto Insurance Coverage in Fresno, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

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Cheap Fresno, California Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fresno, California are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fresno, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,715 $2,718 $1,973 $1,993 $7,420 $9,326 $3,462 $3,805
Farmers $3,190 $3,190 $2,867 $2,867 $10,169 $16,680 $3,777 $4,202
GEICO $1,698 $1,699 $1,597 $1,597 $5,148 $5,234 $2,436 $2,491
Liberty Mutual $2,310 $2,187 $2,139 $2,074 $4,985 $5,311 $2,604 $2,630
Nationwide $3,242 $3,097 $2,842 $2,681 $8,191 $9,063 $3,864 $3,816
Progressive $1,695 $1,742 $1,455 $1,718 $4,524 $5,434 $2,453 $2,633
State Farm $3,342 $3,342 $2,986 $2,986 $6,146 $7,638 $3,697 $3,810
Travelers $2,395 $2,320 $2,116 $2,094 $4,926 $5,627 $3,107 $3,044
USAA $1,905 $1,805 $1,859 $1,866 $4,348 $4,367 $2,630 $2,486

Cheap Fresno, California Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fresno, California is a challenge. Take a look at the annual teen auto insurance rates in Fresno, California.

Annual Auto Insurance Rates for Teen Drivers in Fresno, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,420 $9,326
Farmers $10,169 $16,680
GEICO $5,148 $5,234
Liberty Mutual $4,985 $5,311
Nationwide $8,191 $9,063
Progressive $4,524 $5,434
State Farm $6,146 $7,638
Travelers $4,926 $5,627
USAA $4,348 $4,367

Cheap Fresno, California Auto Insurance for Seniors

What are senior auto insurance rates in Fresno, California? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Fresno, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,973 $1,993
Farmers $2,867 $2,867
GEICO $1,597 $1,597
Liberty Mutual $2,139 $2,074
Nationwide $2,842 $2,681
Progressive $1,455 $1,718
State Farm $2,986 $2,986
Travelers $2,116 $2,094
USAA $1,859 $1,866

Cheap Fresno, California Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fresno, California compared to the annual auto insurance rates with a clean record in Fresno, California.

Annual Fresno, California Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,520 $4,226 $6,658 $3,302
Farmers $4,340 $5,906 $7,359 $5,866
GEICO $1,915 $2,952 $3,708 $2,375
Liberty Mutual $2,629 $3,524 $3,181 $2,786
Nationwide $3,208 $4,115 $6,960 $4,115
Progressive $1,769 $3,013 $3,495 $2,549
State Farm $3,027 $3,611 $6,822 $3,514
Travelers $2,144 $3,480 $4,045 $3,146
USAA $1,766 $2,629 $4,304 $1,935

Cheap Fresno, California Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fresno, California is not easy. Compare the annual rates for DUI auto insurance in Fresno, California to find the best deal.

Annual Auto Insurance Rates After a DUI in Fresno, California

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,658
Farmers $7,359
GEICO $3,708
Liberty Mutual $3,181
Nationwide $6,960
Progressive $3,495
State Farm $6,822
Travelers $4,045
USAA $4,304

Cheap Fresno, California Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fresno, California can vary. Compare the annual cost of auto insurance by ZIP code in Fresno, California to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fresno, California

ZIP Code Average Annual Rates
93650 $4,983
93701 $5,409
93702 $5,289
93703 $5,191
93704 $4,954
93705 $5,058
93706 $5,257
93710 $4,733
93711 $4,959
93720 $4,761
93721 $5,517
93722 $5,055
93723 $4,955
93725 $5,135
93726 $5,187
93727 $5,022
93728 $5,023
93730 $4,693
93737 $4,926
93740 $4,947
93741 $5,036

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Cheap Fresno, California Auto Insurance Rates By Commute

Commute length and annual mileage affect Fresno, California auto insurance. Find the cheapest annual Fresno, California auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fresno, California

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,760 $4,593
Farmers $5,324 $6,412
GEICO $2,487 $2,988
Liberty Mutual $2,780 $3,279
Nationwide $4,065 $5,134
Progressive $2,457 $2,956
State Farm $4,088 $4,399
Travelers $2,884 $3,524
USAA $2,449 $2,867

Cheap Fresno, California Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fresno, California? Check out the comparison of annual Fresno, California auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fresno, California

Insurance Company Low Medium High
Allstate $3,927 $4,216 $4,387
Farmers $5,469 $5,913 $6,222
GEICO $2,460 $2,770 $2,982
Liberty Mutual $2,821 $3,056 $3,213
Nationwide $4,107 $4,682 $5,009
Progressive $2,396 $2,793 $2,931
State Farm $3,809 $4,317 $4,605
Travelers $2,797 $3,289 $3,525
USAA $2,402 $2,712 $2,861

Best By Category: Cheapest Auto Insurance in Fresno, California

Compare the cheapest auto insurance companies in Fresno, California in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Fresno, California

Category Insurance Company
Teenagers USAA
Seniors Progressive
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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The Cheapest Fresno, California Auto Insurance Companies

What auto insurance companies in Fresno, California are the cheapest? Compare the top Fresno, California auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Fresno, California

Insurance Company Average Annual Rates
Allstate $4,177
Farmers $5,868
GEICO $2,738
Liberty Mutual $3,030
Nationwide $4,600
Progressive $2,707
State Farm $4,244
Travelers $3,204
USAA $2,658

What affects auto insurance rates in Fresno, California?

There are a lot of reasons why auto insurance rates in Fresno, California are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fresno, California. Many local factors may affect your Fresno auto insurance rates.

Fresno Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Fresno, California auto theft statistics, there have been 2,365 auto thefts in the city.

Fresno Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fresno, California commute length is 22.2 minutes according to City-Data.

Fresno Traffic

How does Fresno, California rank for traffic? According to Inrix Fresno, California is the 528th most congested worldwide.

Compare Fresno, California Auto Insurance Quotes

Before you buy Fresno, California auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fresno, California auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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