Car Insurance in Fresno
In Fresno, it is important to cut costs while insuring a vehicle because California premiums are recognized for being pricey. They are generally $286 greater than the national average. Let’s go over some ways to save on car insurance in Fresno.
- City Average: $1,763
- State Average: $1,713
- National Average: $1,427
Fresno Car Insurance by Accident or Violation History
Possessing a flawless driving record is critical if you want to keep your insurance rates low. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. On average, a DUI or reckless driving offense in Fresno will cost you 180% more in car insurance premiums versus the city average of $1,763. Being at-fault in an accident can cost drivers an extra $1,002 per year in premiums compared to the city average.
- DUI: $4,940
- Reckless Driving: $4,940
- At-fault Accident (damages less than $1000): $2,765
- At-fault Accident (damages greater than $2000): $2,765
- Speeding Ticket (16-20 mph over speed limit): $2,400
Fresno Car Insurance by Gender and Marital Status
Car insurance premiums in Fresno vary depending on driver attributes such as marital status and gender. However, females have premiums that are only a bit more expensive than those for males. You can save an average of 4% per year if you're married as opposed to single. Rates for those who are widowed are relatively cheaper than rates for those who are single.
- Female: $1,764
- Male: $1,763
- Single: $1,763
- Married: $1,692
- Divorced: $1,763
- Widowed: $1,699
Fresno Car Insurance by Age
The most significant decline in premiums for Fresno drivers happens when they hit their 20s. Once out of the teenage age bracket, people save an average of $4,070. Turning 70 causes an increase in insurance rates, but up until that point drivers can expect premium reductions when they transition from one age group to the next. Teenage drivers have the largest premiums out of all the age groups. They pay around $6,683 per year on car insurance premiums. Among all age groups, drivers in their 60s have the lowest premiums, with rates of $1,504/year. People in their 50s ($1,547) aren’t paying significantly more.
- Teenagers: $6,683
- 20s: $2,612
- 30s: $1,730
- 40s: $1,673
- 50s: $1,547
- 60s: $1,504
- 70s: $1,668
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when determining how much you'll pay for auto 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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Fresno, you can expect 45 rainy days with an annual rainfall of 11 inches. Fresno is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Fresno Agents
Gary McKeighan Insurance
7020 N Marks Ave Ste 111 Fresno, CA 93711
JSP Insurance Services, Inc.
PO Box 5336 Fresno, CA 93755
DiBuduo & DeFendis Insurance Brokers, LLC
PO Box 5479 Fresno, CA 93755
Eaton & Eaton Insurance Brokers
21115 Kern Street, Suite 100 Fresno, CA 93721
Thompson Insurance Agency, Inc
3245 W Figarden Dr Fresno, CA 93711
Oak Creek Insurance Agency
1835 N Fine Avenue Fresno, CA 93727
Agri-Center Insurance Agency
1300 W Shaw Ave Ste 1A Fresno, CA 93711
Walter R. Reinhardt Insurance Agency, Inc.
499 W Shaw Ave #130 Fresno, CA 93704
Valley Regional Insurance Services
5756 N. Marks Avenue, Suite 156 Fresno, CA 93711
Cal-Valley Insurance Services
5070 North Sixth Street #155 Fresno, CA 93710
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
Kelly-Naney Insurance Agency, Inc
445 W Dakota Ave Fresno, CA 93705
Imhoff Sunland Insurance Services, Inc.
2843 N. Maroa Fresno, CA 93704
PacWest Alliance Insurance Services, Inc.
5756 N. Marks Ave., #156 Fresno, CA 93711
Sierra Gateway Insurance Services
499 W Shaw Ave, Ste 140 Fresno, CA 93704
Jerry Baird Insurance Agency
3275 W. Figarden Drive Fresno, CA 93711
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Fresno Car Insurance
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