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Fresno Car Insurance

How much does car insurance cost in Fresno, CA? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Fresno?

Fresno is a California city renowned for its beautiful orchards, fine cuisine and innovative attractions, like the Forestiere Underground Gardens with its subterranean tunnels. Fresno's agriculturally rich land includes farms, like Simonian Farms, which allows residents to shop for the freshest seasonal produce. For fun, people view the thousands of apple, nut and stone fruits bloom on the Fresno County Blossom Trail or have an up-close visit with giraffes, stingrays, rhinos and sloths at one of Fresno's many zoos.

Residents of Fresno can use the Fresno Area Express to travel through town, but it's always great to have a car to visit the area's best farms, zoos and restaurants. Are you a Fresno resident in need of car insurance? SmartFinancial can help you find affordable insurers that fit your needs and budget.

In this article, you'll learn about the auto insurance requirements for drivers in Fresno.

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in California has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Fresno typically pay around $115.20 per month compared to the national average of $135.68 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.68
California $131.60
Fresno, California $115.20

Fresno, CA Best Car Insurance Companies

car insurance in Fresno

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, Unitrin generally has the most affordable car insurance in Fresno coming in around $114.19 per month. Other companies to consider if you live in Fresno is Esurance with an average cost of $117.11 per month and USAA which typically runs around $135.35 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Fresno.

RankCompanyAverage Monthly RateComparison State Average
1 Unitrin $114.19-13.23%
2 Esurance $117.11-11.02%
3 USAA $135.352.85%
4 Allstate $139.225.79%
5 SAFECO $140.736.93%
6 Mercury $145.6410.67%
7 Auto Club $156.7719.13%
8 California Capital $156.8719.20%
9 21st Century $164.4324.95%
10 State Farm $170.8929.86%

How Much is Car Insurance in Fresno, CA?

how much is auto insurance in Fresno

Rates can vary from city to city. The residents of Fresno typically pay $115.22 per month while people who live in Los Angeles will pay $174.37 per month on average. See what people pay for car insurance in other cities in California.

California CitiesMonthly Average Rate
Fresno $115.22
Los Angeles $174.37
Sacramento $129.84
San Diego $109.90
San Francisco $155.66

Cheap Car Insurance in Fresno by Zip Codes

find cheap auto insurance in Fresno

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of California. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Fresno, CA ZIP CodeAverage Monthly Rate
93650$109.21
93701$126.80
93702$114.80
93703$94.29
93704$100.98
93705$112.48
93706$109.52
93710$119.62
93711$104.79
93720$121.31
93721$126.81
93722$127.83
93723$138.87
93725$125.34
93726$109.14
93727$115.07
93728$104.21
93729$171.70
93730$209.22
93740$144.37

Car Insurance Rates by Driver's Age Group in Fresno

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $190.98 per month in Fresno. Compare that to drivers in their 30’s who typically pay around $104.96 per month drivers in their 40s at $88.29 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$190.98
20s$148.10
30s$104.96
40s$88.29
50s$83.89
60s$91.93
70+$107.23

Cheapest Insurance for Teenage Drivers in Fresno

If you are teen in Fresno you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Unitrin typically charges around $150.03 per month. This is likely the most affordable option in Fresno. You might also want to consider USAA and California Capital who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
Unitrin$150.03
USAA$264.20
California Capital$278.00
Allstate$297.83
State Farm$303.76

Cheapest Insurance for 20 Year-olds in Fresno

20 year-olds in Fresno might want to consider Unitrin who, on average, offers car insurance rates around $131.77 per month. Esurance, USAA , SAFECO and Allstate are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
Unitrin$131.77
Esurance$145.48
USAA$164.57
SAFECO$166.28
Allstate$177.90

Cheapest Insurance for 30 Year-olds in Fresno

If you are in your 30s in Fresno our research has found that Esurance typically has the most affordable coverage coming in around $96.54 per month, followed by Unitrin at $109.16 and USAA at $117.16.

CompanyAverage Monthly Rate
Esurance$96.54
Unitrin$109.16
USAA$117.16
Mercury$118.00
Allstate$121.42

Cheapest Insurance for 40 Year-olds in Fresno

On average, Esurance offers car insurance for 40 year-olds in Fresno for around $96.04 per month. If you are looking for affordable coverage, you may also want to consider Unitrin or Mercury. The full list of top companies is below.

CompanyAverage Monthly Rate
Esurance$96.04
Unitrin$99.97
Mercury$112.42
USAA$114.27
Allstate$114.30

Cheapest Insurance for 50 Year-olds in Fresno

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Fresno we found that Esurance generally offers the most affordable coverage at $94.80 per month.

CompanyAverage Monthly Rate
Esurance$94.80
Unitrin$106.75
Allstate$110.37
Mercury$111.29
21st Century$113.58

Cheapest Insurance for 60 Year-olds in Fresno

If you live in Fresno and you’re in your 60s, our data indicates that Esurance usually has the best rates at $95.25 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
Esurance$95.25
Unitrin$100.52
Allstate$103.89
SAFECO$104.88
Auto Club$107.77

Driver's Coverage Auto Insurance Rates in Fresno, CA

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Fresno, the average monthly rate for a driver who is currently insured is $116.05 while drivers who are not currently covered will pay around $114.33.

CoverageAverage Monthly Rate
Not Currently Insured $114.33
Currently Insured $116.05

Compare Recent Car Insurance Quotes in Fresno

auto insurance quotes in Fresno city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Fresno a driver of a 2017 Honda Accord can expect to pay around $142.02 per month while someone that owns a 2020 Chevrolet Spark may pay around $148.94 per month. Check out the list of recent quotes in Fresno below.

VehicleAverage Monthly Rate
2017 Honda Accord$142.02
2020 Chevrolet Spark$148.94
2018 Gmc Sierra$145.27
2020 FORD ECOSPORT$142.71
1996 Ford F350$126.83
2004 Honda Civic$90.45
2019 Tesla Model 3$211.95
2009 Honda Civic$112.34
2007 Dodge Magnum$70.25
2015 Hyundai Sonata$131.35

FAQ's for Drivers in Fresno, CA

driver’s frequently asked question in Fresno

Fresno Auto Insurance Requirements

The California Department of Motor Vehicles mandates all drivers to show proof of insurance (or financial responsibility). Individuals must carry documentation of their coverage at all times and whenever law enforcement requests it. Drivers must also provide insurance when renewing the vehicle's registration.

The California DMV accepts the following forms of insurance:

  • Motor vehicle liability insurance policies
  • Cash deposits of $35,000 with DMV
  • DMV-issued self-insurance certificates, and
  • Surety bonds for $35,000 from licensed businesses in California.

What Is the Minimum Amount of Liability Coverage Requirement in Fresno?

The minimum liability insurance requirements for private passenger vehicles (according to California Insurance Code §11580.1b) are:

  • Bodily Injury Liability Coverage: $15,000 for injury/death to one personal injury and $30,000 per accident minimum
  • Property Damage Liability Coverage: $5,000 minimum
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person/$30,000 per accident minimums
  • Uninsured Motorist Property Damage Coverage: $3,500 minimum

The state's minimum requirements may not provide enough coverage if you're at fault in a car accident. You may need additional insurance, especially if you own assets, like a home or business. SmartFinancial can help you find affordable car insurance to protect you in case the worst happens. Fill out the form on this page to get started.

What Is the Blood Alcohol Concentration (BAC) Limit in Fresno?

Driving Under the Influence means that a driver had alcohol or other substances in their system while operating a vehicle. In Fresno, it is illegal for a person to drive an automobile with the following blood alcohol concentration (BAC):

  • .08 BAC or higher (21 years old or older)
  • .01 BAC or higher (under 21 years old)
  • .01 BAC or higher at any age, if the person is on a DUI probation
  • .04 BAC. or higher in any vehicle requiring a CDL
  • .04 BAC.or higher when a passenger for hire is in the vehicle at the time of an offense.

California also penalizes drivers impaired by drugs (prescription, over-the-counter, or illegal). The DMV may take away your driving privileges after you're detained or arrested for a DUI.

No one is perfect. If you have a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can connect you with insurers offering lower insurance rates. All you have to do is enter your zip code and answer some simple questions to begin comparison shopping for a policy that meets your needs.

Can I Register My Car Without Insurance in Fresno?

No, you can't register your car without insurance. Fresno residents must have valid liability insurance coverage for their vehicles when they register the automobiles. California's Department of Financial Services and the DMV must approve these companies. Insurance must be under the same name of the vehicle's registrant and remain in effect.

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Commute Time in Fresno, CA

21.6 Miles
map

Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Fresno, CA

190

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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