How Much Does Auto Insurance Cost in Fresno?
With premiums within $50 of the state average, Fresno has rates that are relatively consistent with California. Let's compare car insurance costs in Fresno versus premiums across the nation.
AUTO INSURANCE PRICES: FRESNO VS. STATE/US MEAN
|City Average||State Average||National Average|
Fresno Car Insurance by Violation or Accident History
Do you have an accident or violation history? That may cost you in terms of premiums. If you are found at-fault in an accident in Fresno, you can expect your annual car insurance premiums to grow by 57%. $3,177 is the additional cost per year for drivers with a DUI or reckless driving charge in Fresno, compared to the city average of $1,763.
AVERAGE FRESNO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,765|
|At-fault Accident (damages greater than $2,000)||$2,765|
|Speeding Ticket (16-20 mph over speed limit)||$2,400|
Fresno Auto Insurance Rates by Age
In Fresno, when drivers reach their 20s, therefore moving out of the teenage age bracket, they pay 61% less in premiums. It is the largest gap between any age group. Insurance rates for drivers continue to decline through their 60s, but they can expect a change when they turn 70. Everyone loves to save money, and luckily for drivers in their 60s, they do just that! They have the smallest payments among any age group, with rates of $1,504/year. People in their 50s ($1,547) have premiums that aren't much higher. Teenage drivers have the highest rates of any age group, with car insurance payments of $6,683 on average.
FRESNO CAR INSURANCE PRICES BY DRIVER AGE
Fresno Car Insurance by Gender and Marital Status
Car insurance premiums in Fresno vary based on driver traits such as gender and marital status. You can save around $70 per year if you're married as opposed to single. Rates for those who are widowed are moderately cheaper than rates for those who are single. Unfortunately for women, their premiums tend to be slightly more pricey than for men.
FRESNO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
* Credit score, while used in other states, is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance each year.
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
Thompson Insurance Agency, Inc
3245 W Figarden Dr Fresno, CA 93711
Agri-Center Insurance Agency
1300 W Shaw Ave Ste 1A Fresno, CA 93711
Eaton & Eaton Insurance Brokers
21115 Kern Street, Suite 100 Fresno, CA 93721
Jerry Baird Insurance Agency
3275 W. Figarden Drive Fresno, CA 93711
PacWest Alliance Insurance Services, Inc.
5756 N. Marks Ave., #156 Fresno, CA 93711
Valley Regional Insurance Services
5756 N. Marks Avenue, Suite 156 Fresno, CA 93711
Barlocker Insurance Services
470 E Herndon Ave Ste 100 Fresno, CA 93720
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
Gary McKeighan Insurance
7020 N Marks Ave Ste 111 Fresno, CA 93711
Sierra Gateway Insurance Services
499 W Shaw Ave, Ste 140 Fresno, CA 93704
JSP Insurance Services, Inc.
PO Box 5336 Fresno, CA 93755
Oak Creek Insurance Agency
1835 N Fine Avenue Fresno, CA 93727
Cal-Valley Insurance Services
5070 North Sixth Street #155 Fresno, CA 93710
DiBuduo & DeFendis Insurance Brokers, LLC
PO Box 5479 Fresno, CA 93755
Walter R. Reinhardt Insurance Agency, Inc.
499 W Shaw Ave #130 Fresno, CA 93704
Imhoff Sunland Insurance Services, Inc.
2843 N. Maroa Fresno, CA 93704
The average Fresnan, Fresnoan's annual cost of coverage
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Fresno Car Insurance
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