How Much Does Car Insurance Cost in Fresno?
With premiums within $50 of the state average, Fresno has rates that are fairly equivalent to California. Review our tips to save on Fresno car insurance and save some hard-earned money.
INSURANCE COSTS: FRESNO VS. NATIONAL/STATE MEAN
|City Average||State Average||National Average|
Fresno Auto Insurance by Marital Status and Gender
Car insurance premiums in Fresno differ based on your gender and marital status. However, premiums are barely more costly for women than for men. Women generally pay $1 more than men every year for insurance. Individuals who are single spend 4% more per year compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single.
FRESNO AUTO INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Rate|
Fresno Car Insurance by Age
In Fresno, drivers see the biggest drop in premiums when they hit their 20s, as they pay an average of 61% less after moving out of the teenage age bracket. While insurance rates for drivers will continue to decline through their 60s, they should anticipate an increase when they hit 70. Teenage drivers have the highest rates of any age group. 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. People in their 50s ($1,547) aren’t paying much more.
FRESNO AUTO INSURANCE PREMIUMS BY DRIVER AGE
Fresno Auto Insurance by Accident or Violation History
By avoiding driving mishaps that can balloon your car insurance rates, you can not only save yourself money, but become a safer driver. Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. $3,177 is the extra cost per year for drivers with a DUI or reckless driving offense in Fresno, compared to the city average of $1,763. Being at-fault in an accident costs drivers an additional 57% per year to insure your vehicle in Fresno.
AVERAGE FRESNO INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Incident/Violation||Average Annual Premium|
|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|
* 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.
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
Barlocker Insurance Services
470 E Herndon Ave Ste 100 Fresno, CA 93720
Jerry Baird Insurance Agency
3275 W. Figarden Drive Fresno, CA 93711
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
Keast, Norby, Petersen & Ziegler Insurance, Inc.
2377 W. Shaw Ave., Suite 105 Fresno, CA 93711
PacWest Alliance Insurance Services, Inc.
5756 N. Marks Ave., #156 Fresno, CA 93711
Imhoff Sunland Insurance Services, Inc.
2843 N. Maroa Fresno, CA 93704
Thompson Insurance Agency, Inc
3245 W Figarden Dr Fresno, CA 93711
Cal-Valley Insurance Services
5070 North Sixth Street #155 Fresno, CA 93710
Eaton & Eaton Insurance Brokers
21115 Kern Street, Suite 100 Fresno, CA 93721
Walter R. Reinhardt Insurance Agency, Inc.
499 W Shaw Ave #130 Fresno, CA 93704
JSP Insurance Services, Inc.
PO Box 5336 Fresno, CA 93755
Agri-Center Insurance Agency
1300 W Shaw Ave Ste 1A Fresno, CA 93711
DiBuduo & DeFendis Insurance Brokers, LLC
PO Box 5479 Fresno, CA 93755
Oak Creek Insurance Agency
1835 N Fine Avenue Fresno, CA 93727
Kelly-Naney Insurance Agency, Inc
445 W Dakota Ave Fresno, CA 93705
Valley Regional Insurance Services
5756 N. Marks Avenue, Suite 156 Fresno, CA 93711
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Fresno Car Insurance
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