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How much is car insurance in Fresno?
|Area||Average Monthly Car Insurance Premium|
As you can see in the chart above, car insurance rates in Fresno are slightly less expensive than the rest of California.
When stacked up against the national average, the average monthly policy payment for Fresno is more affordable. It's about $29 cheaper to insure your vehicle in Fresno compared to the average rate for the United States as a whole.
Bear in mind that while these are the average car insurance rates for Fresno, you could end up paying something different. The amount that insurance companies end up charging you is determined by a number of factors. Variables like age, gender, vehicle make and model, driving record, and even credit score(depending on your area) can all be taken into consideration when determining the bill you'll see each month.
We've broken down the average rates for Fresno to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP code below and find out in just minutes!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
Generally, the older you are, the more experienced you are on the roads. That experience can lead to some serious savings when it comes to auto insurance premiums. In this case, 18-24-year-olds pay one and a half times as much as drivers 65 and older.
You can expect to see your monthly premium drop every 10 years or so. Having said that, once you approach retirement age your rates may begin to climb back up.
Average Car Insurance Rates by Gender
Car insurance rates for men are usually slightly more expensive than they are for women. In Fresno, however, the difference in monthly policy premiums is minimal -- about $2 a month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your driving record can have a tremendous impact on your car insurance rates. Those with fewer accidents and tickets will pay a lot less than those with multiple infractions. Drivers in Fresno with a single accident on their record will usually see rates around $63 a month. Similarly, drivers with one ticket will typically pay around $68 on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$60|
|15 Years or Older||$48|
The most affordable vehicles to insure in Fresno are usually trucks and vans.
Car owners can expect to pay an average of around $51 a month for their policy, while SUVs are usually around $46 to insure each month.
The average monthly cost for truck and van drivers, however, usually runs about $44.
Vehicle age can also affect your monthly bill. Generally, newer vehicles are going to cost the most to insure. Once your car is a few years old, however, you may see your rates begin to drop back down. In Fresno, for example, vehicles less than one year old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$54|
More often than not, car insurance is cheaper for married policy-holders. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
That difference ends up being a whopping $13 a month in Fresno, so it's definitely worth taking into account.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$73|
Your housing status is another factor that affects your monthly rate. If you rent your home or apartment, expect to pay around $2 a month more than homeowners in Fresno. But if you live with your parents, your rates will be significantly higher.
If you bundle your home or rental insurance and auto insurance policies, you can oftentimes reduce your car insurance costs, depending on your insurance company.
Car Insurance Companies in Fresno, CA
Recent trends in car insurance for Fresno drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
The rates for auto insurance in Fresno went up from from 2016-2017, when they hit a high of $52. This changed in 2018, when rates started to decrease. They reached a low of $48 in 2020, and finished up in 2021, at $51.
How does Fresno compare to neighboring areas?
Why are car insurance rates in Fresno different from other areas?
Car insurance companies will take into account numerous factors when they're figuring out how much to charge for a policy. While we already talked about the ones that affect your personal policy, others are based around where you park your car. These include things like:
- Number of drivers in the region
- Crime levels
- Area regulations
- Frequency of car accidents
- Availability of off-street parking
A decent level of familiarity with these factors can be helpful when you're ready to purchase of a new policy or thinking about making a move. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Fresno?
In the end, the only way to know exactly what your rate will be is to request a quote from a car insurance company.
Luckily, Compare.com does all of that work for you. Simply enter your ZIP below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies that offer auto coverage in Fresno.
Fresno Insurance FAQs
What factors affect car insurance quotes in Fresno?
Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your marital status, credit score, address, and driving record.
Why is the cost of car insurance in Fresno different from other neighboring cities?
Car insurance companies take local factors into consideration when determining how much to charge for coverage. Things like crime rates, local laws, and parking situations -- which can vary from city to city -- can significantly affect your rate.
Which car insurance company will offer me the cheapest rate in Fresno?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, it's a good idea to use sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fresno?
Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Fresno or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.