How much does auto insurance cost in Fresno?
The average cost of auto insurance in Fresno is $1,876 per year. That's more expensive than the average in California ($1,868) and pricier than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Fresno.
FRESNO CAR INSURANCE RATES
|Fresno Average (per year)||California Average||National Average|
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Fresno car insurance premiums by company
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Fresno's cheapest rates. We've gathered the best cheap car insurance companies in Fresno below. You should only use this list as a starting point: it's important to compare quotes specific to your unique driving profile.
FRESNO CAR INSURANCE RATES BY COMPANY
|Insurance Company||Average Yearly Rate|
Car insurance rates by age bracket in Fresno
The best age for car insurance rates as a driver in Fresno is your 60s: drivers in this age group pay an average of $1,665per year. Rates for Fresno drivers in their 50s are also relatively affordable, at just $1,677 per year.
The Fresno drivers facing the priciest insurance rates are teenagers. When drivers hit their 20s in Fresno and move out of the teenage age bracket, they reduce their premiums substantially. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Fresno is $4,217, the largest such difference between any two age brackets.
CAR INSURANCE RATES BY AGE TIER IN FRESNO
|Age bracket||Average Yearly Rate|
Fresno car insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fresno pay $72 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Fresno, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Fresno, female drivers pay more for auto insurance than do male drivers: $2 per year, to be precise.
INSURANCE RATES IN FRESNO BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Fresno auto insurance premiums by driving history
No matter where you live, keeping your driving record clean is a great way to keep your auto insurance rates low. Speeding citations, reckless driving charges, DUIs and DWIs, and at-fault accidents all tend to bring about rate increases.
Two of the most costly citations to receive are DUI and reckless driving. Fresno drivers found guilty of reckless driving face insurance rate increases of $3,150 per year, compared to the citywide average. A DUI violation may lead to a $3,056 increase, while a citation for speeding leads to a $769 rate hike.
AVERAGE FRESNO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,884|
|At-fault Accident (damages greater than $2,000)||$3,272|
|Speeding Ticket (16-20 mph over speed limit)||$2,646|
Fresno car insurance costs by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In Fresno, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 0% drop in car insurance costs. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Fresno, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
FRESNO AUTO INSURANCE RATES BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
What drives up car insurance rates in Fresno?
Where you live in Fresno affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Fresno is no exception to the rule. From ZIP code 93720 to 93702, premiums rise by 21 percent—that’s $278.
Expensive Fresno ZIP codes: 93750, 93786, 93784, 93701, 93702
Cheap Fresno ZIP codes: 93720, 93711, 93730, 93710, 93722
Fresno Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Fresno, you can expect 45 rainy days with an annual rainfall of 11 inches. Fresno is also known to experience earthquakes and wildfires.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Car Insurance Companies in Fresno
Find Local Fresno Agents
Walter R. Reinhardt Insurance Agency, Inc.
499 W Shaw Ave #130, Fresno, CA 93704
Oak Creek Insurance Agency
1835 N Fine Avenue, Fresno, CA 93727
Cal-Valley Insurance Services
5070 North Sixth Street #155, Fresno, CA 93710
DiBuduo & DeFendis Insurance Brokers, LLC
PO Box 5479, Fresno, CA 93755
Imhoff Sunland Insurance Services, Inc.
2843 N. Maroa, Fresno, CA 93704
Valley Regional Insurance Services
5756 N. Marks Avenue, Suite 156, Fresno, CA 93711
Kelly-Naney Insurance Agency, Inc
445 W Dakota Ave, Fresno, CA 93705
Gary McKeighan Insurance
7020 N Marks Ave Ste 111, Fresno, CA 93711
Jerry Baird Insurance Agency
3275 W. Figarden Drive, Fresno, CA 93711
JSP Insurance Services, Inc.
PO Box 5336, Fresno, CA 93755
Sierra Gateway Insurance Services
499 W Shaw Ave, Ste 140, Fresno, CA 93704
PacWest Alliance Insurance Services, Inc.
5756 N. Marks Ave., #156, Fresno, CA 93711
Agri-Center Insurance Agency
1300 W Shaw Ave Ste 1A, Fresno, CA 93711
Barlocker Insurance Services
470 E Herndon Ave Ste 100, Fresno, CA 93720
Keast, Norby, Petersen & Ziegler Insurance, Inc.
2377 W. Shaw Ave., Suite 105, Fresno, CA 93711
Eaton & Eaton Insurance Brokers
21115 Kern Street, Suite 100, Fresno, CA 93721
Thompson Insurance Agency, Inc
3245 W Figarden Dr, Fresno, CA 93711
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