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 AverageState AverageNational Average
$1,854$1,748$1,569


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/GenderAverage Rate
Female$1,854
Male$1,854
Single$1,854
Married$1,777
Divorced$1,854
Widowed$1,786


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
Incident/ViolationAverage Rate
DUI$5,144
Reckless Driving$5,144
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
AgeAverage Rate
Teenagers$6,902
20s$2,718
30s$1,820
40s$1,759
50s$1,631
60s$1,584
70s$1,663


* 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.

45

Rainy Days a Year

11"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Fresno

2
Major Highways
SR 41 SR 99 SR 180
2
Public Transit
FAX Bus
2
Popular Day Trips
Point Sur Sequoia National Park Contra Loma

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

2

$1,492

The average Fresnan, Fresnoan's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

398

That's equal to 398 tacos or $597 in savings

See How Much You Can Save in Fresno

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Recent Questions:

Fresno Car Insurance

Can a police officer tow my car if I had a temporary pass from my insurance company?

I'm not really sure what they gave you was a temporary pass — a vehicle is either insured or it is not. Temporary insurance doesn't really exist. You should definitely go back to your insurer and verify if you were insured at the time of the towing or not.

Got into a not-at-fault accident when I was uninsured

First, you should consider that insurance follows the vehicle not the driver. So even though your friend who was driving had insurance, you still need insurance on any registered vehicle that is on the road.

Can I get a $0 deductible?

For a zero dollar deductible, you'd have to find a specific company that offers it. Consider, however, that your premium and deductible are inversely related.

What do I do if I can't afford to pay for damages to my vehicle?

There's a couple of different ways to look at this. If you're not leasing the vehicle, if the vehicle is drivable, and there wasn't any property damage to the pole you struck, you do not have to file a claim if you don't want to.