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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 AverageNational 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.

Insurance CompanyAverage Yearly Rate

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 bracketAverage Yearly Rate

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/GenderAverage Yearly Rate

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.

IncidentAverage Yearly Rate
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 TierAverage Yearly Rate
Very Poor$1,876
Very Good$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

Car Insurance Companies in Fresno

21st Century Aegis 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 Mendota Mercury MetLife Metromile Multi-State National General Nationwide Progressive Safe Auto Safeco State Farm Stillwater Sun Coast The General The Hartford Titan Travelers Unitrin USAA Viking Workmen's Auto

Find Local Fresno Agents

Barlocker Insurance Services

470 E Herndon Ave Ste 100, Fresno, CA 93720

Agri-Center Insurance Agency

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

Valley Regional Insurance Services

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

Eaton & Eaton Insurance Brokers

21115 Kern Street, Suite 100, Fresno, CA 93721

Keast, Norby, Petersen & Ziegler Insurance, Inc.

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

Kelly-Naney Insurance Agency, Inc

445 W Dakota Ave, Fresno, CA 93705

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

Oak Creek Insurance Agency

1835 N Fine Avenue, Fresno, CA 93727

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

JSP Insurance Services, Inc.

PO Box 5336, Fresno, CA 93755

Jerry Baird Insurance Agency

3275 W. Figarden Drive, Fresno, CA 93711

Thompson Insurance Agency, Inc

3245 W Figarden Dr, Fresno, CA 93711

DiBuduo & DeFendis Insurance Brokers, LLC

PO Box 5479, Fresno, CA 93755

Imhoff Sunland Insurance Services, Inc.

2843 N. Maroa, Fresno, CA 93704

Walter R. Reinhardt Insurance Agency, Inc.

499 W Shaw Ave #130, Fresno, CA 93704



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

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Recent Questions:

Got into a not-at-fault accident when I was uninsured

First, you should consider that insurance follows the vehicle not the driver. So even though your friend who was driving had insurance, you still need insurance on any registered vehicle that is on the road.
Jan 6, 2018 Fresno, California

Can I get a $0 deductible?

For a zero dollar deductible, you'd have to find a specific company that offers it. Consider, however, that your premium and deductible are inversely related.
Jan 5, 2018 Fresno, California

What do I do if I can't afford to pay for damages to my vehicle?

There's a couple of different ways to look at this. If you're not leasing the vehicle, if the vehicle is drivable, and there wasn't any property damage to the pole you struck, you do not have to file a claim if you don't want to.
Dec 20, 2017 Fresno, California

Kristine Lee
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer.

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, Car and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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.