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How much is car insurance in Fresno?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Texas are about $18 a month cheaper than the rates drivers pay in Fresno.
Compared to the national average cost of auto coverage, Fresno has higher rates. It's around $3 more expensive for coverage in Fresno than the average rates seen in the rest of the U.S.
While these are the average monthly costs for auto insurance coverage in Fresno, you could end up paying something different. There are a variety of factors that car insurance companies consider to determine how much to charge you to insure your vehicle. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.
We've analyzed the average rate for Fresno and broken down the different factors to help you understand what exactly you might be asked to pay. And if you think you might be overpaying for insurance, simply enter your ZIP Code below to learn more about rates in your area!
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Fresno Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
|45-54||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? That experience can turn into some real savings when it comes to car insurance bills. In this case, 18-24-year-olds pay a lot more than drivers 65 and older.
For every 10 years, you can expect to see a drop in your monthly premium. Once you hit retirement age, however, your rates may climb back up a bit in Fresno.
Fresno Car Insurance Rates by Gender
Male drivers pay, on average. slightly more than female drivers for auto insurance. This rings true in Fresno, where women pay around $8 less per month than men. As you can see in the chart above, car insurance for women in the area typically costs around $79 each month, while men pay $87 on average.
Fresno Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary quite a lot. Drivers with clean records will pay much lower rates than those with accidents or violations. In Fresno, a driving record with one accident will usually get you a rate around $98 a month. In addition, drivers with one ticket can expect to pay around $103 a month on average.
Fresno Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$123|
|15 Years or Older||$83|
In Fresno, the cheapest vehicles to insure are by and large SUVs, with drivers paying around $76 per month for auto insurance coverage.
The cost of auto insurance for car, truck, and van owners in Fresno, however, usually comes out to about $85 per month.
Your vehicle's age has an impact on the cost of your policy as well. Generally, newer vehicles are going to be the most expensive to insure. However, your rates may start to drop back down once your car is about 5 years old. The most expensive vehicles to insure in Fresno are vehicles less than one year old.
Fresno Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$91|
Generally, those who have settled down into marriage will pay slightly less to insure their vehicle. This oftentimes is a result of owning multiple vehicles that are on the same policy, something some companies will reward with discounts.
On a national scale, married drivers typically pay less than single drivers for auto insurance. Fresno is no exception, with the difference totaling to around $26 a month.
Fresno Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$141|
Your living situation is another component of how insurance companies calculate your monthly rate. If you rent your home or apartment in Fresno, expect to pay around $22 a month more than if you are a homeowner. But if you live with your parents, you can expect to pay a lot more.
That said, if you bundle your homeowners or rental insurance policy with your auto insurance, many companies will offer you a discount to make up for it and reduce your overall costs.
Car Insurance Companies in Fresno, TX
Recent trends in car insurance for Fresno drivers
Since average rates are constantly changing, it's a smart move to research the local trends in your area before shopping for coverage.
Auto insurance rates in Fresno increased consistently from 2017-2021. Car insurance rates finished down in 2022, at $77.
How does Fresno compare to neighboring areas?
Why are car insurance rates in Fresno different from other areas?
Car insurance companies take in a lot of factors when deciding how much individual insurance policies will cost. The specifics of where you park your car will have an impact on your personal policy. This might include things like:
- Total number of drivers
- Area crime rates
- Access to off-street parking
- Rate of car accidents
It's good to be aware of these factors (even though you may not be able to do much to change them) as you shop for a new policy or consider 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?
Arming yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Don't worry, Compare.com can handle all of this for you. Just type in your ZIP below, answer a few questions related to the factors we outlined above, and you'll be quickly comparing the cheapest quotes from dozens of car insurance companies offering coverage in Fresno.
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Fresno Auto 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 gender and age but also factors like your driving record, credit score, address and 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 local laws, crime rates, and parking situations 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?
Since the factors that go into calculating your monthly payment vary from person to person, there isn't one company that will always offer the cheapest rate to everybody. You can be confident that you're receiving the best price possible by using sites like Compare.com to compare multiple quotes at once.
Do I need to change my insurance if I move to Fresno?
Any time you experience a major life event, whether it's moving to a new area, getting married, finding a new job, or other notable events, it's always a good idea to re-evaluate your current insurance. Certain companies offer cheaper insurance in certain cities, so even if you were getting the cheapest rate at your old address, it doesn't mean it'll still be the cheapest at your new home. That's why it's always good 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.
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