Fresno, CA Car Insurance

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

Jump to Fresno car insurance rates by:

• Provider
• Age group
• Gender
• Driving record
• Credit rating

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

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.

CAR INSURANCE RATES BY AGE TIER IN FRESNO

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.

INSURANCE RATES IN FRESNO BY MARITAL STATUS AND GENDER

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.

AVERAGE FRESNO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT

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.

FRESNO AUTO INSURANCE RATES BY CREDIT LEVEL

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