Cheapest Car Insurance in Fresno, California (2022 Rates)

Allstate has the cheapest car insurance in Fresno at $115 a month for full coverage. Compare quotes to get your best rate.

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Most drivers in Fresno, California, can find the cheapest car insurance rates with Allstate and GEICO. They provide the biggest savings in many of the driver and coverage categories we included in our survey of the city’s top car insurance companies.

On average, Fresno drivers can expect to pay $121 per month for minimum-coverage car insurance and $137 per month for full coverage.

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Cheapest car insurance companies in Fresno, California: GEICO and Allstate

Fresno drivers looking for the cheapest possible car insurance will want to check out GEICO and Progressive. GEICO offers state-minimum car insurance for a low $99 per month. Progressive offers the same coverage for $103 per month. Both of these rates fall well below the $121-per-month average cost that drivers pay for liability-only coverage in Fresno.

The key to getting your best and cheapest rate in Fresno or anywhere else in the U.S. is to compare car insurance quotes from several companies. Start with GEICO, Progressive and Allstate, but don’t ignore the others noted below if the quotes you get aren’t as low as you’d like.

CHEAPEST CAR INSURANCE IN FRESNO FOR MINIMUM COVERAGE
Company Monthly rate
GEICO $99
Progressive $103
Allstate $108
Auto Club $116
Mercury $118
City average $121
State Farm $127
CSAA $141
Farmers $157
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

A minimum-coverage car insurance policy will meet California’s minimum car insurance requirements for personal injury protection, uninsured motorist and liability coverage.

Fresno drivers looking for cheap full-coverage car insurance can find comparable savings with Allstate and GEICO. Allstate offers monthly premiums that average $115, while GEICO is just a dollar more at $116.

CHEAPEST CAR INSURANCE IN FRESNO FOR FULL COVERAGE
Company Monthly rate
Allstate $115
GEICO $116
Progressive $123
Auto Club $130
Mercury $137
City average $137
State Farm $152
CSAA $153
Farmers $169
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Full-coverage car insurance satisfies California’s minimum-coverage requirements. It also provides policy holders with the extra protection of both collision and comprehensive coverage.

The state of California does not require drivers to hold full-coverage car insurance. However, many lenders or lessors require it for the length of a driver’s auto loan. Even if a lender doesn’t require you to carry full-coverage insurance, it’s still worth considering if your car is new, expensive or expensive to repair or replace. State-minimum car insurance can leave you responsible for expensive repair costs and medical bills. Full-coverage insurance, however, satisfies state insurance requirements and offers drivers additional protection while they’re on the road.

Get cheap car insurance in Fresno, California

Average cost of car insurance in Fresno

At an average cost of $121 per month, Fresno drivers pay more for minimum-coverage car insurance than drivers do in other parts of the country. (The national average is $87 per month for minimum-coverage car insurance, by comparison.)

However, Fresno drivers save money when it comes to full-coverage car insurance. In Fresno, full coverage costs drivers just $137 per month, on average. The national average for full coverage is $176.

AVERAGE CAR INSURANCE COST IN FRESNO VS U.S. AVERAGE
Coverage amount Fresno average (monthly) National average (monthly)
Minimum coverage $121 $87
Full coverage $137 $176
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance in Fresno with driving violations: Mercury, CSAA and Allstate

Cheapest car insurance after a DUI

In 2019, 120,262 California drivers were arrested for driving under the influence. DUI tickets can be expensive, and it’s important to price shop when it comes to finding affordable insurance after a DUI.

Mercury offers the cheapest full-coverage car insurance for Fresno drivers with one DUI at $226 per month. Progressive and GEICO also offer cheap rates for drivers in this category at $294 per month. All three companies offer savings compared to the city average of $379, and Farmers also comes in lower than the city average with a rate of $299 per month.

CHEAPEST CAR INSURANCE WITH A DUI
Company Monthly rate
Mercury $226
Progressive $294
GEICO $294
Farmers $299
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance after an accident

Car accidents can get expensive, but your car insurance premiums following an accident do not have to cause a financial strain as well. Drivers with one accident on their driving record can find the cheapest car insurance with CSAA for $193 per month. The Auto Club also offers savings with rates of $196 per month. On average, drivers with an accident can expect to pay $234 per month.

CHEAPEST CAR INSURANCE WITH AN AT-FAULT ACCIDENT
Company Monthly rate
CSAA $193
Auto Club $196
GEICO $212
Mercury $237
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheapest car insurance with a speeding ticket

Law enforcement officers issue over three million traffic infraction citations in the state of California each year. Drivers can still find big savings after adding a ticket to their driving record. Allstate offers cheap full-coverage insurance to Fresno drivers with one speeding ticket for $165 per month. Mercury’s average rate in this situation is similarly cheap at $181 per month. On average, citizens of Fresno can expect to pay $203 per month for car insurance after getting a speeding ticket.

CHEAPEST CAR INSURANCE AFTER A SPEEDING TICKET
Company Monthly rate
Allstate $165
Mercury $181
GEICO $182
Auto Club $193
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Compare auto insurance quotes from top companies

Cheap car insurance in Fresno for teen drivers: State Farm and Allstate

Teen drivers in Fresno with a clean driving record (i.e., no tickets, accidents or DUIs) can find big savings on car insurance with State Farm and Allstate. State Farm offers the cheapest minimum-coverage car insurance to Fresno teens at an average of $234 per month. This low rate gives drivers a savings of $69 per month compared to the city average of $303. Allstate offers rates for $249 per month, saving drivers $54 per month.

CHEAPEST TEEN CAR INSURANCE IN FRESNO FOR MINIMUM COVERAGE
Company Monthly rate
State Farm $234
Allstate $249
GEICO $253
Mercury $282
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Allstate and State Farm offer the cheapest auto insurance for teen drivers who are looking for full-coverage car insurance. Allstate offers Fresno teens full-coverage policies for $274 per month. This is a significant savings compared to the city average of $347. State Farm also offers affordable rates of $282 per month for teen drivers.

CHEAPEST TEEN CAR INSURANCE IN FRESNO FOR FULL COVERAGE
Company Monthly rate
Allstate $274
State Farm $282
GEICO $302
Mercury $329
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Cheap car insurance in Fresno for senior drivers: GEICO and Allstate

Senior drivers who are 60 years old with a clean driving record can find the most affordable minimum-coverage car insurance with GEICO for $99 per month, on average. Progressive offers senior drivers minimum coverage for $103 per month. Senior drivers in Fresno can expect to pay an average of $121 per month for minimum coverage.

CHEAPEST SENIOR CAR INSURANCE IN FRESNO FOR MINIMUM COVERAGE
Company Monthly rate
GEICO $99
Progressive $103
Allstate $108
Auto Club $116
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Senior drivers looking for cheap full-coverage car insurance policies in Fresno can find the best rates with both Allstate and GEICO. Allstate offers 60-year-old drivers full coverage for $115 per month. GEICO offers senior drivers premiums of $116 per month. On average, senior drivers in Fresno with clean driving records can plan to pay $137 per month for a full-coverage policy.

CHEAPEST SENIOR CAR INSURANCE IN FRESNO FOR FULL COVERAGE
Company Monthly rate
Allstate $115
GEICO $116
Progressive $123
Auto Club $130
Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary.

Fresno car insurance requirements

California state law requires 15/30/5 car insurance coverage to satisfy its minimum-coverage requirements. This means drivers in Fresno and elsewhere in the state must carry:

  • Bodily injury liability coverage per person: $15,000
  • Bodily injury liability coverage per accident: $30,000
  • Property damage coverage: $5,000

In the event of an accident, these minimums may not be enough to cover large medical bills, excessive damages or extensive legal fees. Liability only coverage compensates the other vehicle in an accident and not the policyholder.

To protect yourself, QuoteWizard recommends you have at least the following amounts of insurance coverage in place:

  • Bodily injury liability per person: $100,000
  • Bodily injury liability per accident: $300,000
  • Property damage: $100,000

Methodology

We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Fresno ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.

The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.

Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets California’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:

  • $100,000 bodily injury liability coverage per person
  • $300,000 bodily injury liability coverage per accident
  • $100,000 property damage liability coverage
  • $500 deductibles for both collision and comprehensive coverage

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