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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 be quoted based on your credit score, gender, marital status, and other common factors in Fresno.

Fresno Average (per year) California Average National Average
$1,876 $1,868 $1,548

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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 car insurance 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.

Insurance Company Average Yearly Rate
GEICO $1,245
Mercury $1,398
AAA $1,572
Infinity $1,784
Alliance $1,813

Check out our guide to learn how to find the best cheap car insurance.

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.

Age bracket Average Yearly Rate
Teenagers $7,016
20s $2,799
30s $1,826
40s $1,766
50s $1,677
60s $1,665
70s $1,923

Learn more about how age influences auto insurance rates.

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.

Marital Status/Gender Average Yearly Rate
Female $1,878
Male $1,876
Single $1,804
Married $1,804
Divorced $1,876
Widowed $1,828

Read more about the relationships between gender, marital status and insurance rates.

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.

Incident Average Yearly Rate
DUI/DWI $4,932
Reckless Driving $5,027
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

Learn more about the impact of driving violations on car insurance rates.

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.

Credit Tier Average Yearly Rate
Very Poor $1,876
Fair $1,876
Good $1,876
Very Good $1,876
Exceptional $1,876

Learn more about the relationship between poor credit and car insurance.

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

Be Prepared For

Driving in Fresno

Major Highways
SR 41 SR 99 SR 180
Public Transit


Popular Day Trips

Point Sur

Sequoia National Park Contra Loma

City of Fresno Parking

Fresno Car Insurance Companies Near Me

21st Century AFI Alliance United Allied Allstate Arrowhead Aspire Advantage Aspire Savings Auto Club (AAA) Bristol West California Automobile Assigned Risk Plan California Capital Carnegie Century National Cinch Clearcover Dairyland Direct Auto Drive Insurance Esurance Farmers FIMC Foremost GEICO Grange Insurance Hippo Infinity Infinity RSVP Infinity Special Kemper Auto Kemper Preferred Liberty Mutual Mapfre Insurance Mendota Mercury MetLife Metromile MileAuto Multi-State National General Nationwide Neptune Flood Insurance Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Toggle Travelers Unitrin USAA Viking Workmen's Auto

Find Local Fresno Agents

DiBuduo & DeFendis Insurance Brokers, LLC

PO Box 5479, Fresno, CA 93755

Cal-Valley Insurance Services

5070 North Sixth Street #155, Fresno, CA 93710

Sierra Gateway Insurance Services

499 W Shaw Ave, Ste 140, Fresno, CA 93704

Kelly-Naney Insurance Agency, Inc

445 W Dakota Ave, Fresno, CA 93705

Walter R. Reinhardt Insurance Agency, Inc.

499 W Shaw Ave #130, Fresno, CA 93704

Keast, Norby, Petersen & Ziegler Insurance, Inc.

2377 W. Shaw Ave., Suite 105, Fresno, CA 93711

Barlocker Insurance Services

470 E Herndon Ave Ste 100, Fresno, CA 93720

Eaton & Eaton Insurance Brokers

21115 Kern Street, Suite 100, Fresno, CA 93721

PacWest Alliance Insurance Services, Inc.

5756 N. Marks Ave., #156, Fresno, CA 93711

Gary McKeighan Insurance

7020 N Marks Ave Ste 111, Fresno, CA 93711

Valley Regional Insurance Services

5756 N. Marks Avenue, Suite 156, Fresno, CA 93711

JSP Insurance Services, Inc.

PO Box 5336, Fresno, CA 93755

Thompson Insurance Agency, Inc

3245 W Figarden Dr, Fresno, CA 93711

Oak Creek Insurance Agency

1835 N Fine Avenue, Fresno, CA 93727

Imhoff Sunland Insurance Services, Inc.

2843 N. Maroa, Fresno, CA 93704

Jerry Baird Insurance Agency

3275 W. Figarden Drive, Fresno, CA 93711

Agri-Center Insurance Agency

1300 W Shaw Ave Ste 1A, Fresno, CA 93711


The average Fresnan, Fresnoan's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 398 tacos or $597 in savings

See How Much You Can Save in Fresno

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.