Fresno, TX Car Insurance

Residents of Fresno pay around $84 monthly for their car insurance coverage. To find out more check out our guide below.
Map of cities where drivers can find cheaper car insurance
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How does Fresno stack up to the rest of the area, or even Texas as a whole? What rates should residents of Fresno expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:

How much is car insurance in Fresno?

Area Average Monthly Car Insurance Premium
Fresno$84
TX$65
United States$81

As you can see in the chart above, it is around $19 a month more expensive to insure your vehicle in Fresno than it is in the rest of Texas.

Similarly, Fresno residents will likely pay higher rates to insure their vehicle than in the rest of the country. It's about $3 more for coverage in Fresno than in the rest of the U.S.

Although these are the average car insurance rates in Fresno, you could end up paying something different. Insurance companies weigh a variety of factors when determining how much to charge you to get auto insurance. 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 done the heavy lifting for you and broken down the average rate for Fresno so that you can get a more accurate idea of what your policy will cost you. And if you think you might be overpaying for insurance, simply enter your ZIP below to learn more about rates in your area!


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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$117
25-34$72
35-44$61
45-54$65
55-64$67
65+$59

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 car insurance rates. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.

You can expect to see a decrease in your monthly premium drop about once a decade or so. You may see your rates start to rise again once you hit retirement in Fresno.

Average Car Insurance Rates by Gender

Gender Average
Male$87
Female$79

In general, women pay slightly less for car insurance than men. This is true in Fresno, where women pay around $8 less a month. As illustrated in the table above, female drivers in the area pay about $79 on average, while male drivers pay around $87 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$97
Multiple Accidents$89
1 Ticket$107
Multiple Tickets$136

Rates can vary wildly depending on your driving record. Drivers with clean records will pay lower rates than those with accidents or violations. In Fresno, drivers with one accident on their record will experience rates around $97 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $107.

Wherever you live, accidents, tickets, and other driving infractions can cost you some serious cash. In order to reduce your monthly bill and get the cheapest car insurance possible, keep your record clean and drive carefully.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$123
2-3 Years$84
4-5 Years$86
6-7 Years$93
8-10 Years$69
11-14 Years$78
15 Years or Older$83

In terms of affordable coverage, the cheapest vehicles to insure in Fresno are by and large SUVs, at $78 per month.

Car owners can expect to pay an average of around $85 a month for their policy, while truck and van drivers are usually around $84 to insure each month.

Your vehicle's age can also affect your monthly bill. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you might start to see your rates slide back down slightly. The most expensive vehicles to insure in Fresno are vehicles less than one year old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$91
Married$65
Divorced$56
Widowed$53

More often than not, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor that will often get you a discount.

In Fresno, the difference in rates based on relationship status can be as much as $26 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$72
Rent$95
Live with parents$146

Another factor taken into consideration is your housing situation. If you rent your home or apartment in Fresno, expect to pay around $23 a month more than if you own property. But if you live with your parents, your rates will be significantly higher.

Bundling your home or rental insurance with your auto insurance can oftentimes reduce your overall costs, depending on your insurance company.

Car Insurance Companies in Fresno, TX

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

The cost of auto insurance coverage in Fresno increased steadily from 2017-2021. It finished down in 2022, at $87.

How does Fresno compare to neighboring areas?

Why are car insurance rates in Fresno different from other areas?

There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. While we already talked about the ones that affect your personal policy, others are based around where you live. These include things like:

  • General road safety (how many accidents each locality has)
  • Regional crime rates
  • Off-street parking accessibility
  • Local laws
  • Number of drivers in the area

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.

How can I find the cheapest car insurance in Fresno?

Familiarizing yourself with patterns in the average costs of drivers like you will give you a leg up in conversations with insurance companies. Ultimately, the only way to know exactly what your rate will be is by requesting a quote from those car insurance companies.

But wait! Compare.com does all of that work for you. Simply enter your ZIP Code below, answer a few questions on you and your vehicle, and you'll be comparing the cheapest quotes from loads of the car insurance companies offering policies in Fresno.


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Fresno Insurance FAQs

What factors affect car insurance quotes in Fresno?

Car insurance companies calculate quotes based on a wide array of factors. These include things you can't control like your age and gender but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.

Why is the cost of car insurance in Fresno different from other neighboring cities?

Your address and the city you live in have a significant impact on how much a car insurance company might charge for your policy. Companies take into consideration things like crime rates, parking situations, and local laws when calculating your quote -- all of which can change from city to city.

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?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

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.

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