Best cheap car insurance in Fresno

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Drivers in Fresno, California, a city of about 530,000 residents, are required to insure their vehicles to drive legally. Since it is a required expense, finding the best cheap car insurance in Fresno is worth the effort. On average, annual car insurance rates in Fresno come in at $719 for minimum coverage and $2,006 for full coverage.

Finding the right car insurance for your needs will provide you with some peace of mind should the unexpected happen. The following car insurance providers were chosen based on annual premiums for minimum and full coverage insurance, customer reviews and financial strength.

Best car insurance companies in Fresno

There are plenty of options when it comes to vehicle coverage in the state of California, and it can be daunting to try to find the best insurance carrier for your needs. A good place to start is by deciding what is most important to you when it comes to insurance. For example, are you looking for the lowest premium, or are you more interested in a range of discounts? Once you know what your must-haves are, you can add an analysis of average premiums, customer satisfaction scores and financial strength scores to choose the company that is right for you. For quality, affordable coverage, consider the following insurance carriers:

Insurance Company J.D. Power Score
(California)
Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico 828 / 1,000 $528 $1,574
Grange N/A $573 $2,156
Wawanesa 853 / 1,000 $615 $1,501
Travelers N/A $642 $1,743

Geico

Geico consistently comes in as one of the most affordable car insurance companies in the country. It offers the cheapest average minimum coverage premium in Fresno and ranks as the second-cheapest for its average annual full coverage premium. Geico also ranked fifth in the 2020 J.D. Power U.S. Auto Insurance Study, earning a customer satisfaction rating of 828 out of 1,000.

In addition to low car insurance rates and solid customer service, Geico provides a wide range of savings opportunities, including military, federal employee, safe driver, good student and new vehicle discounts.

Grange

Grange makes the list of best cheap car insurance companies in Fresno for the value and customer service it provides. Grange was not rated by the J.D. Power study but customers give the company a 4.7 out of 5 on the provider’s customer reviews page. Customers often praised the smooth claims process, commenting on the high level of communication as claims were handled.

Grange’s discounts offer policyholders the option to save even more money on top of its competitive rates. Grange offers discounts for good students, insuring multiple vehicles or having multiple policies, paying in full and more.

Wawanesa

Wawanesa exceeds customer’s expectations when it comes to car insurance in California. The insurance company had the highest rating in the 2020 J.D. Power U.S. Auto Insurance Study, earning 853 points out of 1,000.

Having multiple cars or taking a safety or defensive driving course can bring you considerable savings on your vehicle insurance premiums with Wawanesa. Best of all, getting car insurance quotes in Fresno is simple when you use the Wawanesa online quote tool.

Travelers

Travelers is the final company on our list, and their policies come packed with plenty of value. Travelers offers a range of options to policyholders, allowing them to customize their coverage. Accident Forgiveness will prevent a ticket or an accident from charging on your insurance policy. New Car Replacement coverage will provide you with a brand new vehicle if your car is totaled during the first five years of ownership. Travelers also offers home and umbrella insurance, making it easy for customers to bundle policies.

Cheapest car insurance in Fresno

Fresno’s average annual premiums are higher than California’s average annual premiums of $580 for minimum coverage and $2,012 for full coverage. However, there are ways to save money if you are buying car insurance in Fresno

Geico, Travelers and Progressive offer car insurance to Fresno residents, with strong financial ratings of A+ or higher from AM Best. While AAA requires membership to qualify for vehicle insurance, they offer competitive premiums. Mercury specializes in low-cost, no-frills car insurance for drivers with past accidents or DUIs who may have trouble finding coverage elsewhere.

Insurance Company Average Annual Premium for Minimum Coverage Average Annual Premium for Full Coverage
Geico $528 $1,574
AAA $564 $2,137
Mercury $616 $1,583
Travelers $642 $1,743
Progressive $666 $1,741

Fresno insurance requirements

To legally drive in the state of California, you need to carry at least a minimum amount of liability insurance, including the following coverages and limits:

  • $15,000 in bodily injury per person
  • $30,000 in bodily injury per accident
  • $5,000 for property damage

Not all drivers should choose the minimum amount of coverage. If you are in an at-fault accident and the damages exceed your insurance amount, you will have to pay the difference out of pocket. In addition, liability insurance only provides reimbursement for the damages you cause others. To include protection for your own vehicle, full coverage is the best option. In fact, if you plan on getting a car loan or leasing a vehicle, you will likely be required to purchase a full coverage car insurance policy.

Car insurance discounts in Fresno

While every insurance company offers a different variety of discounts, there are some discounts that tend to be offered by most companies. These include:

  • Multi-car discounts: If you own and insure more than one vehicle with the same insurance company, you may qualify for a discount.
  • Multi-policy discounts: If you purchase more than one policy with the same company, such as an auto insurance policy and a home insurance policy, you may receive a discount on each.
  • Good student discounts: If you have a full-time student under the age of 25 on your policy, you may qualify for a discount if they maintain a high GPA.
  • Vehicle safety equipment discounts: Certain types of vehicle safety equipment, such as an alarm system and side curtain airbags, may qualify for a discount.
  • Defensive driving course discounts: Some companies offer discounts for completing an eligible defensive driving course.

Frequently asked questions

What is the best car insurance company?

The best car insurance company in Fresno depends on your specific wishlist. Determine what factors matter most to you and then obtain quotes from a variety of insurance providers to find the option that best suits your needs.

How much does car insurance in Fresno cost?

The average car insurance premiums in Fresno are $719 per year for minimum coverage and $2,006 per year for full coverage. Although car insurance rates vary for each person, drivers may be able to add discounts to their policies to save money.

What is the difference between full coverage and minimum coverage?

Minimum coverage insurance is the amount of coverage that California requires and only includes liability insurance that pays for damages and injuries to others. It may be the cheapest coverage, but it does not provide reimbursement if your car is damaged or totaled and can lead to out-of-pocket expenses if damages from an accident exceed the amount of insurance. Full coverage insurance is generally more expensive but includes more protection in the event of an accident.

Methodology

Bankrate utilizes Quadrant Information Services to analyze rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2018 Honda Accord, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.