Car Insurance in Fresno
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Car Insurance in Fresno, CA
In the heart of the San Joaquin Valley, Fresno, California, is both a major agricultural center and the gateway to some of America's most beloved national parks like Yosemite, Sequoia, King's Canyon, and Death Valley. Whether you frequent Fresno or you're just passing through, you'll need the right car insurance.
Drivers in California's fifth-largest city follow traffic laws set by the state without significant additions or amendments from the city. Similarly, Fresno expects drivers to meet California's minimum car insurance coverage requirements.
To find car coverage in Fresno, you should compare car insurance quotes in Fresno and surrounding areas to find the best price. Your rate will vary based on the insurance carrier, the make and model of your car, your age, and even where you live.
How much is car insurance in Fresno, CA?
The overall expense of car insurance in Fresno largely depends on the coverage options you're interested in. To provide a general idea of what you might pay, below are the average costs for the three most popular types of coverage in the city:
State Minimum
Full 50/100
Full 100/300
Auto Insurance Cost Methodology
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What are the cheapest cars to insure in Fresno?
Evaluating and comparing the insurance costs for each possible car make, model, and year within the city can be a complex task. Nevertheless, if you're interested in identifying which recent models generally offer more cost-effective insurance, take a look at these top 10 most budget-friendly car makes and models in Fresno:
| Rank | Make and Model | Average Monthly Premium |
|---|---|---|
| 1 | Dodge Grand Caravan | $161 |
| 2 | Subaru Forester | $168 |
| 3 | Honda Cr-V | $168 |
| 4 | Honda Odyssey | $176 |
| 5 | Kia Sedona | $178 |
| 6 | Toyota Rav4 | $178 |
| 7 | Toyota Corolla | $180 |
| 8 | Kia Sol | $180 |
| 9 | Ford F-150 | $184 |
| 10 | Toyota Tacoma | $186 |
| Avg. premiums are weighted by zip code population sizes. Data accurate as of July 1, 2024 | ||
How do claims and violations impact my total cost?
Your driving history plays a critical role in determining your car insurance premiums. Various driving incidents, including minor collisions, major accidents, speeding tickets, DUIs, or hit-and-run occurrences, can affect your insurance rates in the city. Here's a view of how common claims and violations can change your rates in Fresno, listed from the least impactful to the most impactful:
| Violation or Claim | Average Monthly Cost | Price Difference |
|---|---|---|
| No Claims or Violations | $178 | - |
| Not at-fault Accident | $178 | 0% |
| Driving with expired registration | $258 | +45% |
| Speeding Ticket | $259 | +46% |
| At-fault Accident | $308 | +73% |
| Driving with a suspended license | $429 | +141% |
| Hit and Run | $461 | +159% |
| DUI | $473 | +166% |
What car insurance discounts can I get in Fresno?
In Fresno, there are numerous discounts available to help reduce the cost of your insurance. These include bundling policies, paying your entire premium upfront, switching to paperless billing, and securing renewal discounts, among others. Below, you will find a list of these discounts ranked from the greatest to the least in terms of savings potential, offering you a clear view of the opportunities to lower your expenses:
| Potential Discounts | Average Monthly Cost | Monthly Savings |
|---|---|---|
| Low Mileage | $132 | +$46 |
| Multi-Policy Home | $157 | +$21 |
| Multi-Policy Renters | $169 | +$9 |
| Renewal discount | $172 | +$6 |
| Paperless | $178 | $0 |
| Paid in Full | $178 | $0 |
| Electronic Funds Transfer | $178 | $0 |
| None | $178 | - |
Premiums are sourced from over 30,000 zip codes across 200 insurance companies. We estimate premiums based on public filings for policies seeking 50/100 in liability with $500 deductibles for collision and comprehensive coverage. Estimated rates are based on a 35-year-old single female with a good credit score and no history of accidents or violations driving a 2023 Toyota RAV4 LE. We partner with Quadrant Information Services to source our data and assume no unique benefits or discounts are applied for these rates (unless otherwise stated). Your own rates may be different.