Cheapest Auto Insurance in Fresno, California (2025)
USAA offers the cheapest car insurance in Fresno, with minimum-coverage policies as low as $73 per month.
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On average, Fresno drivers pay $133 per month for car insurance. By comparison, the California state average is $146 per month.
Fresno has a relatively low fatal crash rate: Police reported just 37 fatal crashes in Fresno in 2023, down from 66 in 2022. This could partly explain why its average rates are slightly lower than the state average.
Comparing car insurance quotes from multiple companies can help you find the most affordable coverage available to you. Here’s what to know about car insurance in Fresno, California.
Quick Facts
Fresno drivers pay $84 per month for a liability-only policy and $182 per month for a full-coverage policy, on average.
USAA, National General, and Sun Coast are the three cheapest car insurance companies for Fresno drivers.
Fresno County has approximately 570,000 registered automobiles and 1 million residents, meaning there’s about one registered car for every two residents.[?] [?]
3 of the cheapest car insurance companies in Fresno
The best car insurance company for you will be different from what’s best for other drivers. Car insurance rates vary based on age, driving history, ZIP code, vehicle type, and more.[?] To find the best car insurance company, you’ll need to consider your budget and car insurance needs.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Liability-only coverage |
| USAA | 9.1 | $186 | $81 | Military members |
| Mercury | 7.5 | $194 | $101 | Extra peace of mind |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for liability-only coverage: Mile Auto
Best insurer for military members: USAA
Best insurer for extra peace of mind: Mercury
How to get the cheapest car insurance in Fresno
Car insurance companies set their own rates and underwrite policies differently. To secure the best rate on a policy in Fresno, follow these tips:
Shop around. Be sure to get free car insurance quotes from several of the top companies. This can help you find the cheapest policy for your unique needs.
Look for discounts. Most car insurers offer a long list of discounts. Some common discounts include a good student discount, a vehicle safety features discount, a loyalty discount, and a safe driving discount.
Bundle your policy. Chances are you need home insurance or renters insurance, too. Find a company that will give you a discount if you bundle your car insurance with another policy.
Drive safely. Speeding tickets, at-fault accidents, and DUIs can raise your car insurance premiums. Follow speed limits, obey traffic laws, and avoid distractions to reduce your risk of these incidents.
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Cheapest liability-only car insurance in Fresno: USAA
California requires drivers to purchase liability car insurance. This policy type covers the property damage and injuries of other drivers and passengers after an at-fault accident and is typically the cheapest auto policy you can buy. Liability policies don’t cover damage to your vehicle, so it’s important to consider your ability to cover potential out-of-pocket costs.
Liability-only insurance in Fresno costs an average of $84 per month.
Here’s a look at the cheapest liability-only insurance companies in Fresno.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $73 |
| National General | $81 |
| Sun Coast | $84 |
| Dairyland | $86 |
| Root | $92 |
| Mercury | $93 |
| Allstate | $101 |
| Farmers | $104 |
| Direct Auto | $105 |
| GEICO | $105 |
| Anchor | $106 |
| Bristol West | $111 |
| State Farm | $112 |
| Travelers | $118 |
| 21st Century | $129 |
| Nationwide | $158 |
| Chubb | $200 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fresno: USAA
Full-coverage car insurance typically includes liability, collision, and comprehensive coverage. Because it includes more coverages, it’s typically more expensive than a liability-only policy but offers more protection. Your auto lender or lessor may require it if you have a loan or lease on your vehicle.
Fresno drivers pay a monthly average of $182 for full-coverage insurance.
The table below shows the cheapest full-coverage insurance companies in Fresno.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $167 |
| Root | $169 |
| Anchor | $171 |
| Mercury | $178 |
| GEICO | $186 |
| Sun Coast | $213 |
| Allstate | $231 |
| National General | $233 |
| Farmers | $237 |
| State Farm | $257 |
| Bristol West | $260 |
| Travelers | $270 |
| Direct Auto | $279 |
| 21st Century | $294 |
| Dairyland | $301 |
| Nationwide | $362 |
| Chubb | $458 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in California
California is an at-fault, or tort, state, meaning the at-fault driver must pay for the property damage or injuries they cause to the drivers or passengers in another vehicle. While California requires bodily injury and property damage liability to drive legally in Fresno, additional coverage is available for extra protection. Drivers who are unable to show proof of insurance will face penalties.
The state lawmakers approved an increase in coverage limits, which takes effect on Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Here’s an overview of some optional car insurance coverages Fresno drivers can purchase for additional protection on the road:
Cheapest car insurance for drivers with an incident
Incidents like at-fault accidents, speeding tickets, and DUIs can increase your car insurance rates. This is because car insurers view these citations and incidents as high-risk driving behavior and believe you’re more likely to file a claim than someone with a clean driving record.[?] Fresno drivers with clean records typically have lower premiums than people with spotty driving histories.
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Cheapest car insurance for drivers with a speeding ticket: USAA
Fresno reported 156 speed-related crashes that resulted in death or injury in 2020.[?] Speeding may increase your risk of losing control of your vehicle and lead to a serious accident. If you have a speeding ticket on your record, insurers may consider you a high-risk driver and you can expect to pay more for an auto policy.
Fresno drivers with speeding tickets face average monthly car insurance rates of $182 for full coverage and $84 for liability only. The table below shows how liability-only rates compare for drivers with a clean record versus drivers with a speeding ticket in Fresno.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| USAA | $73 | $92 |
| National General | $81 | $100 |
| Sun Coast | $84 | $103 |
| Dairyland | $86 | $106 |
| Root | $92 | $120 |
| Allstate | $101 | $128 |
| Mercury | $93 | $128 |
| Anchor | $106 | $129 |
| Farmers | $104 | $130 |
| Direct Auto | $105 | $130 |
| GEICO | $105 | $135 |
| Bristol West | $111 | $137 |
| State Farm | $112 | $139 |
| Travelers | $118 | $149 |
| 21st Century | $129 | $165 |
| Nationwide | $158 | $200 |
| Chubb | $200 | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident will likely result in higher car insurance costs for three to five years, so it’s important to find an affordable auto insurance policy that meets your coverage needs. But your auto insurance premiums may not increase if you purchase accident forgiveness. Additionally, how much they increase depends on the severity of the accident and the total claim amount.
An at-fault accident increases average car insurance rates for Fresno drivers to $216 per month for full coverage and $100 for liability policies. If you have an at-fault accident on your record, you can see how rates might be higher compared to drivers with a clean record.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $73 | $91 |
| Sun Coast | $84 | $100 |
| National General | $81 | $101 |
| Dairyland | $86 | $107 |
| Root | $92 | $114 |
| Allstate | $101 | $126 |
| GEICO | $105 | $126 |
| Farmers | $104 | $130 |
| Anchor | $106 | $131 |
| Mercury | $93 | $131 |
| Direct Auto | $105 | $135 |
| Bristol West | $111 | $137 |
| State Farm | $112 | $138 |
| Travelers | $118 | $148 |
| 21st Century | $129 | $163 |
| Nationwide | $158 | $198 |
| Chubb | $200 | $248 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: USAA
A DUI in Fresno is a dangerous and serious offense. In addition to fines and jail time, you may pay the most compared to other drivers and California may require you to purchase SR-22 insurance. Furthermore, you may struggle to find an insurance company that’ll provide coverage, and those that do may charge sky-high rates.
Fresno drivers with DUIs on their records pay average monthly rates of $226 for full-coverage car insurance and $104 for liability only. The table below shows how much rates can increase in Fresno for drivers with a DUI on their records.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $73 | $99 |
| Sun Coast | $84 | $104 |
| National General | $81 | $110 |
| Dairyland | $86 | $117 |
| Root | $92 | $124 |
| Mercury | $93 | $132 |
| Allstate | $101 | $137 |
| GEICO | $105 | $139 |
| Farmers | $104 | $141 |
| Direct Auto | $105 | $143 |
| Anchor | $106 | $147 |
| Bristol West | $111 | $151 |
| State Farm | $112 | $152 |
| Travelers | $118 | $160 |
| 21st Century | $129 | $175 |
| Nationwide | $158 | $214 |
| Chubb | $200 | $271 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Physical and mental impairments make it more difficult for seniors to drive safely.
“Drivers tend to see the lowest prices from age 25 and on. However, once drivers reach ages 70-plus, their reaction times start to slow down, which may result in higher car accidents and more expensive rates,” explains Lauren McKenzie, a senior insurance agent at A Plus Insurance. But because of their low mileage and long history of driving, senior drivers pay less on average than younger drivers in general.
On average, senior drivers in Fresno pay $162 per month for full coverage and $75 for minimum coverage, according to Insurify data. Here are the cheapest car insurance quotes for seniors in Fresno.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $61 | $139 |
| National General | $65 | $187 |
| Dairyland | $72 | $254 |
| Sun Coast | $75 | $190 |
| Mercury | $77 | $147 |
| Root | $79 | $145 |
| Allstate | $84 | $192 |
| Farmers | $84 | $192 |
| GEICO | $85 | $151 |
| Direct Auto | $86 | $229 |
| Anchor | $89 | $143 |
| State Farm | $90 | $207 |
| Bristol West | $94 | $219 |
| Travelers | $96 | $220 |
| 21st Century | $103 | $236 |
| Nationwide | $124 | $283 |
| Chubb | $154 | $353 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teenagers have minimal experience behind the wheel and higher accident rates than older drivers.[?] While they usually pay more for car insurance because of this, they can save money if they stay on their parents’ policy, maintain good grades, and take a defensive driving course.
In Fresno, teen drivers pay an average of $341 per month for their own full-coverage policy and $157 for liability-only coverage. Here are the cheapest car insurance companies for teens and young drivers in Fresno.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| USAA | $137 | $313 |
| Dairyland | $145 | $507 |
| Sun Coast | $157 | $399 |
| Root | $163 | $299 |
| National General | $166 | $479 |
| Mercury | $176 | $336 |
| Anchor | $187 | $302 |
| GEICO | $193 | $341 |
| Bristol West | $201 | $472 |
| Allstate | $202 | $462 |
| Farmers | $207 | $471 |
| Direct Auto | $209 | $554 |
| State Farm | $219 | $502 |
| 21st Century | $238 | $541 |
| Travelers | $245 | $559 |
| Nationwide | $312 | $716 |
| Chubb | $423 | $969 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Fresno?
Average car insurance premiums in Fresno are less expensive than the national average.
It’s also important to note that rates in California vary by city and ZIP code because of factors like population, weather conditions, and accident rates.
More cities in California
Here’s a look at the average monthly cost of car insurance in various cities in California.
City | Full Coverage | Liability Only |
|---|---|---|
| Anaheim | $208 | $105 |
| Berkeley | $237 | $100 |
| Los Angeles | $311 | $158 |
| Modesto | $203 | $95 |
| Oakland | $242 | $102 |
| Riverside | $201 | $95 |
| Sacramento | $215 | $104 |
| San Diego | $179 | $84 |
| San Francisco | $258 | $107 |
| San Jose | $197 | $89 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fresno car insurance FAQs
Check out Insurify’s guide to car insurance discounts to learn more about lowering your car insurance premiums, and read the answers to these frequently asked questions about Fresno car insurance.
How much is car insurance in Fresno?
On average, auto insurance in Fresno costs $182 per month for full coverage and $84 for liability-only policies. Many factors affect car insurance rates besides location, though, so your rates may be higher or lower than average.
Which company has the cheapest car insurance in Fresno?
USAA has the cheapest car insurance quotes for Fresno drivers, with liability-only policies starting at $73 per month. But it may not be the right choice for everyone.
Fortunately, Fresno drivers can also find affordable rates with the city’s second- and third-cheapest car insurers, National General and Sun Coast. Their monthly liability-only rates start at $81 and $84, respectively.
What are the best car insurance companies in Fresno?
Some of the best car insurance companies in Fresno are Mile Auto, State Farm, and USAA. These companies provide customized coverage, low quotes, and high J.D. Power customer satisfaction ratings. Additionally, they earned solid Insurify Quality (IQ) Scores.
But the best auto insurer for you will depend on your coverage needs and budget, so it’s important to compare quotes from different companies to find the best prices.
What determines the price of your auto insurance in Fresno?
Your age, driving history, vehicle type, and discount eligibility can affect your car insurance costs across the country. Auto insurance companies also consider Fresno’s accident, theft, and traffic rates when determining premiums.
Can auto insurers use your credit score to determine your premiums in Fresno?
No. California prohibits auto insurers from using credit history to determine auto insurance premiums. Because of this, your credit history won’t affect your rates, even if you have bad credit.[?]
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