The city famous for its ash trees is home to over 500,000 residents, many of whom are looking for cheap and affordable auto insurance. Where may Fresnans turn to find low cost car insurance? We make it a little easier by analyzing 10 companies from the Fresno area and seeing which offers the cheapest and best car insurance.
Cheapest Car Insurance Companies in Fresno, California
Fresnans can find the most affordable auto insurance at GEICO where rates were $976 per year on average for full coverage for our sample driver. Compared to the California state average of $1,662, car insurance rates in Fresno are 4% cheaper. You can also find affordable insurance at Nationwide which is only $40 more expensive for our sample driver, but is the cheapest car insurance company in California.
Find the Cheapest Auto Insurance Quotes in Your Area
Just remember that the above rates are reflective of a 30 year old male with a Toyota Camry living in Fresno. Your rates will change depending on whether you had an accident, or the type of car you drive. You should be comparing quotes from at least three companies to determine the best rates for your situation. When you're ready to start comparing, put your zip code in the box above. Below you can see the results from the rest of the companies we surveyed for our sample driver.
|Rank||Car Insurance Company||Average Annual Rate|
Cost of Car Insurance in Fresno: by Neighborhood
In large cities car insurance rates will actually fluctuate between neighborhoods. While Fresno isn't as big as cities like Los Angeles and San Diego, there is still some variation between its many neighborhoods. We list the yearly auto insurance rates for a few select neighborhoods from Fresno.
|Neighborhood||Average Annual Car Insurance Rate|
Despite the Tower District and Cincotta being in close proximity, the latter is actually $27 more per year for our sample driver. It is not as significant a difference as we found in other cities, but still something to keep in mind when comparing auto insurance quotes in Fresno.
Best Car Insurance in Fresno
What company has the best car insurance in Fresno? Even though GEICO is the cheapest of the bunch, it isn't necessarily the greatest. The 2016 J.D. Power study of car insurance companies in California rated GEICO towards the middle of the pack for customer satisfaction. Auto insurance companies that cost a bit more, like State Farm, were better received by takers of the survey. With that being said, if you want the cheapest car insurance--as well as the most convenient to purchase-- then GEICO is your company. GEICO provides the easiest means of getting insurance for your car since you can do the whole thing online without ever speaking to an agent. If you would like to consider other options, the table below lists what certain companies are best for.
|Auto Insurance Company||Best For...|
|GEICO||Price and Convenience|
|State Farm||Bundling Homeowners and Auto|
Ameriprise was the award recipient of the J.D. Power California survey, meaning it is the best car insurance in California. The auto insurer scored top rankings in categories such as billing practices and the flexibility of policies they offer. If you are hoping to bundle your homeowners and auto policies, State Farm will probably be your best bet. On top of offering discounts between 15% and 20% when you bundle, State Farm is likely to be the cheapest bundle you can do in Fresno. State Farm is the third cheapest auto insurer and the fifth cheapest homeowner insurer according to our study of homeowners insurance in California.
Finally, if you are in the military or live on a military base USAA offers the best military car insurance discounts. You can get a 15% discount by storing your car at a base, and if you are being deployed in the future USAA offers discounts up to 90% while you store your vehicle--allowing you to afford the payments and not having to have a lapse in coverage. USAA also scored particularly well on the J.D. Power survey, where it placed second behind Ameriprise.
Auto Insurance Agents in Fresno and Fresno County
Despite being able to start your quote online with most car insurance companies, very few actually allow you to buy the quote online. They usually want you to first speak to one of their agents. Only GEICO, Esurance and Progressive allow the full process to happen online. Below we list 20 car insurance agents in the Fresno area.
|Central Auto Insurance||3668 W Shaw Ave, Fresno, CA 93711, United States|
|Freeway Insurance Services||4846 E Kings Canyon Rd #104, Fresno, CA 93702, United States|
|Fiesta Auto Insurance Center||1574 N Blackstone Ave #108, Fresno, CA 93703, United States|
|Central Auto Insurance||4940 E Kings Canyon Rd, Fresno, CA 93727, United States|
|Fiesta Auto Insurance Center||4209 E Tulare St, Fresno, CA 93702, United States|
|Cost-U-Less Insurance Center||66 E Shaw Ave, Fresno, CA 93710, United States|
|Fiesta Auto Insurance Center||4919 N Blackstone Ave, Fresno, CA 93726, United States|
|Dashers Fresno||4045 N Blackstone Ave, Fresno, CA 93726, United States|
|Freeway Insurance Services||5410 N Blackstone Ave, Fresno, CA 93710, United States|
|Cost-U-Less Insurance||946 Fresno St, Fresno, CA 93706, United States|
|Fiesta Auto Insurance Center||1453 W Shields Ave, Fresno, CA 93705, United States|
|Fiesta Auto Insurance Center||4125 E Ventura Ave, Fresno, CA 93702, United States|
|Allstate Insurance: Gary Gonzales||191 W Shaw Ave Ste 109, Fresno, CA 93704, United States|
|Fiesta Auto Insurance Center||3759 W Shaw Ave #102, Fresno, CA 93711, United States|
|Liberty Mutual - Fresno, CA||7600 N Palm Ave #102, Fresno, CA 93711, United States|
|Avakian Insurance Services, Inc.||1274 W Hedges Ave, Fresno, CA 93728, United States|
|QuickBuy Insurance Services||4708 N Blackstone Ave, Fresno, CA 93726, United States|
|Acceptance Auto Insurance||5665 N Blackstone Ave #100, Fresno, CA 93710, United States|
|Acceptance Auto Insurance||5247 E Kings Canyon Rd #103, Fresno, CA 93727, United States|
|Nationwide Insurance: Maffei Ins & Fin Services||5633 W Figarden Dr Ste 104, Fresno, CA 93722, United States|
Fatal Accidents in Fresno
Between the years of 2011 and 2015 there were 129 fatal auto accidents within Fresno. The vast majority of those accidents came from SR-99 which cuts right through the city. If an area experiences many fatal car crashes, rates are more likely to go up in that area since these types of accidents tend to be highly costly for the auto insurance companies.
Most Dangerous Roads in Fresno
While most of the fatalities happen on SR-99, a few others within the city have had tragic accidents. In the table below you can see which highways have been most dangerous for Fresnans in recent years.
|Highway||Number of Fatal Accidents (2011 - 2015)||Percent That Involve Drunk Driver|
SR-99 accounted for the majority of drunk driver involved accidents in Fresno. Overall, 24% of all fatal accidents in Fresno have involved a drunk driver between the years of 2011 and 2015.
Minimum Car Insurance Requirements in Fresno, CA
Basically every state requires you to carry a minimum amount of car insurance with California being no different. California's limits are a bit on the lower side offering very minimal protection, so we would definitely recommend most Fresno drivers opt for higher limits if they can afford it. If you have a car worth more than $2,000 as well, you should also add collision and comprehensive insurance. Below are the limits imposed by California.
- Bodily Injury Liability Coverage: $15,000 per person / $30,000 per accident minimum
- Property Damage Liability Coverage: $5,000 minimum
- Uninsured Motorist Bodily Injury Coverage: $15,000 per person / $30,000 per accident minimum
- Uninsured Motorist Property Damage Coverage: $3,500 minimum
If you get comprehensive and collision insurance, you do not need to carry uninsured motorist property damage coverage.
How We Compared Quotes
We collected quotes from a variety of insurance companies across 142 towns and cities in California--including Fresno. Our sample driver was a 30 year old male who drove a Toyota Camry. To obtain quotes, we kept parameters for getting coverage the same, such as that he was single, had a good credit score and a clean driving record. The only parameter that changed was the zip code where he lived in Fresno and California. The amount of coverage we opted for gave our driver bit more than what is required of state minimums.
|Coverage Type||California Minimum||Study Limits|
|Bodily Liability||$15,000 per person / $30,000 per accident||$50,000 per person/ $100,000 per accident|
|Property Damage||$5,000 per accident||$50,000 per accident|
|Uninsured/Underinsured Motorist BI||$50,000 per person/ $100,000 per accident|
|Uninsured/Underinsured Motorist Property||
||$50,000 per accident|
|Comprehensive & Collision||$500 Deductible|
Fatal car accident and DUI data: FARS 2011 to 2015.