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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.
The average cost of insuring your vehicle in Fresno is above the national rate. It's around $2 more expensive to insure your vehicle in Fresno compared to the average rate for the rest of the U.S.
Bear in mind that while these are the average car insurance rates for Fresno, you could end up paying something different. Insurance companies take in a variety of factors when determining how much to charge you for coverage. Things like gender, vehicle make and model, driving record, age and, in some areas, credit score can all affect your monthly premium.
We've analyzed the average rate for Fresno and broken down the different factors to help you understand what your monthly bill might look like. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
|Under 18||Not Enough Data|
The older you are, the more experience you're likely to have behind the wheel, right? When it comes to car insurance bills, that experience pays off. As you can see, 18-24-year-olds pay a lot more than drivers 65 and older.
Every ten years or so you can expect to see a decline in your monthly premium. You may see your rates begin to increase again once you hit retirement in Fresno.
Average Car Insurance Rates by Gender
Car insurance rates for female drivers are usually cheaper than those for male drivers. In Fresno, the difference comes out to about $10 a month. As illustrated in the table above, male drivers in the area pay about $86 on average, while female drivers pay around $76 each month.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Drivers with clean records will pay much lower rates than those with accidents or violations. In Fresno, having a single accident on your record will usually get you rates around $102 a month. Likewise, drivers with one ticket will be looking at a rate of around $134 a month on average.
Accidents, tickets, and other driving infractions can really cost you when it comes to your monthly rate. That's why it's important to drive safely and keep your record clean so you can keep your rates as low as possible.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$126|
|15 Years or Older||$81|
As you can see in the first table above, the cheapest vehicles to insure in Fresno are typically SUVs, which run about $73 per month.
SUV owners will see rates of about $73, while truck and van owners by and large pay around $85 per month.
In addition to vehicle type, you can also expect to see slightly different rates based on the age of your vehicle. Generally, newer vehicles are going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. In Fresno, the most expensive vehicles to insure are vehicles less than one year old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$90|
Overall, those who are currently married will pay slightly less for insurance coverage. This can usually be attributed to their policies having multiple vehicles, a factor 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 $25 a month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$146|
One other element taken into consideration is your living accommodations. Those who own their own home in Fresno can expect to pay around $22 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help 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 had been increasing steadily from 2016-2020. Policy premiums finished down in 2021, at $83.
How does Fresno compare to neighboring areas?
Why are car insurance rates in Fresno different from other areas?
When considering how much to charge for an insurance policy, car insurance companies will evaluate a variety of factors. The specifics of where you live will have an impact on your personal policy. This might include things like:
- Local regulations
- Amount of drivers in the community
- Crime levels
- Road Safety (frequency of local car accidents)
- Availability of off-street parking
An awareness of these factors is important when thinking about buying a new policy or potentially moving to a new home. Different cities and towns will each have different rates, so guides like these are a handy way to get started.
How can I find the cheapest car insurance in Fresno?
Equipping 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.
Fortunately, Compare.com does all of that work for you. Just enter your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies offering policies in Fresno.
Fresno Insurance FAQs
What factors affect car insurance quotes in Fresno?
The factors that car insurance companies take into account when calculating your monthly cost include things you can't control like your age and gender, but also factors like your vehicle's year, make and model, as well as your driving record, credit score, address, and marital status.
Why is the cost of car insurance in Fresno different from other neighboring cities?
Auto insurance companies consider regional factors, such as local laws, parking situations, and crime rates into account when calculating the monthly rate for coverage. Since these can all vary from city to city the rates you may see can differ from neighboring areas.
Which car insurance company will offer me the cheapest rate in Fresno?
There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.
Do I need to change my insurance if I move to Fresno?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
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 time, regardless of how long is left on your current policy. So, if you've recently moved to Fresno or it's been a while since you last compared car insurance rates, you may want to take 10 minutes and see if Compare.com can save you money.