How Much Does Auto Insurance Cost in Fresno?
On average, premiums in Fresno exceed California's average by 6%, so if you are insuring a vehicle in Fresno, understanding premium costs is vital. Review our ways to save on Fresno car insurance and save some hard-earned money.
AUTO INSURANCE PREMIUMS: FRESNO VS. STATE/NATIONAL MEAN
|City Average||State Average||National Average|
Fresno Auto Insurance by Gender and Marital Status
Gender as well as marital status can impact your car insurance premiums in Fresno. Being married, as opposed to single, can save you approximately 4% per year on car insurance. Rates for those who are widowed are somewhat cheaper than rates for those who are single. Premiums for men and women tend to vary marginally, with men paying less.
FRESNO CAR INSURANCE RATES BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Rate|
Fresno Car Insurance With Accidents or Violations
Knowing which driving mishaps can inflate your premiums will help you make better decisions and save money. In Fresno, drivers with either a DUI or reckless driving violation have rates nearly triple the average for the city ($1,854). Insurance rates are affected by at-fault accident history, and more specifically, by how much damage resulted from the accidents. For those in Fresno with at-fault accidents in which damages exceeded $2,000, rates are an average of 62% more than at-fault accidents with damages less than $1,000.
AVERAGE FRESNO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$1,854|
|At-fault Accident (damages greater than $2,000)||$3,006|
|Speeding Ticket (16-20 mph over speed limit)||$2,512|
Fresno Car Insurance Rates by Age
Drivers in Fresno see the most significant fall in premiums when they reach their 20s, as they pay an average of $5,317 less after moving out of the teenage age range. While rates for drivers in Fresno will continue to drop through their 60s, they should expect a change when they turn 70. With average car insurance payments of $6,902, teenage drivers have the highest rates amongst all the age groups. Among all age groups, drivers in their 60s have the smallest car insurance payments, with rates of $1,584 per year. People in their 50s ($1,631) and 70s ($1,663) aren’t paying significantly more.
FRESNO AUTO INSURANCE PRICES BY AGE
* Credit score is considered discriminatory in California and is therefore not used as a rating factor when companies determine 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
JSP Insurance Services, Inc.
PO Box 5336 Fresno, CA 93755
Imhoff Sunland Insurance Services, Inc.
2843 N. Maroa Fresno, CA 93704
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
Sierra Gateway Insurance Services
499 W Shaw Ave, Ste 140 Fresno, CA 93704
Cal-Valley Insurance Services
5070 North Sixth Street #155 Fresno, CA 93710
PacWest Alliance Insurance Services, Inc.
5756 N. Marks Ave., #156 Fresno, CA 93711
Barlocker Insurance Services
470 E Herndon Ave Ste 100 Fresno, CA 93720
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
Gary McKeighan Insurance
7020 N Marks Ave Ste 111 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
Thompson Insurance Agency, Inc
3245 W Figarden Dr Fresno, CA 93711
Jerry Baird Insurance Agency
3275 W. Figarden Drive Fresno, CA 93711
Eaton & Eaton Insurance Brokers
21115 Kern Street, Suite 100 Fresno, CA 93721
DiBuduo & DeFendis Insurance Brokers, LLC
PO Box 5479 Fresno, CA 93755
The average Fresnan, Fresnoan's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Fresno
Just enter your zip code to get started