Automobile

Car Insurance Fresno, California: What You Need to Know

California state law states that all drivers, including Fresno residents, must carry car insurance to operate a motor vehicle on the state roadways. When shopping for car insurance, Fresno, California, drivers may pay more than other California drivers due to location and other factors.

Insurance Requirements for Fresno, California Drivers

According to MoneyGeek, California requires drivers to purchase a certain amount of liability insurance and uninsured motorist coverage. If you’re a driver in Fresno and you’re purchasing car insurance, you should make sure your policy lists the following minimums:

  • Bodily Injury Liability Coverage: $15,000 per person/$30,000 per incident
  • Property Damage Liability Coverage: $5000 per incident
  • Uninsured Motorist Bodily Injury Coverage: $15,000 per person/$30,000 per incident
  • Uninsured Motorist Property Damage Coverage: $3500 per incident

    State minimums often aren’t enough to cover all of the damage sustained in a severe accident. MoneyGeek recommends raising your limits and adding comprehensive/collision coverage to your policy. They also note that Fresno drivers pay, on average, $1876 a year for car insurance, slightly more than the California average of $1868 a year and significantly more than the national average of $1548 a year.

    As Benzinga points out, you should always carry your proof of insurance in your vehicle. Failure to provide proof of insurance during a traffic stop can result in the following:

    • A fine of up to $200 for the first offense
    • A fine of up to $500 for the second offense
    • A suspension of your license and registration until you provide proof of insurance

      What Factors Affect a Fresno Driver’s Car Insurance Rates?

      Depending on your personal details, you might pay more or less than the citywide average for car insurance. The Zebra notes that providers factor in the following when calculating your insurance rates:

      • Your Age: The insurance industry classifies teen drivers as high risk because they have so little experience driving. That’s why teen drivers pay higher rates than any other age group. If you’re a teen driver living in Fresno, you’ll end up paying $4217 more a year in premiums than a Fresno driver in their 20s. Aging out of your teens is one of the simplest ways to reduce your car insurance rates.
      • Your Marital Status: Because the data shows that single drivers file more claims than married drivers, single drivers pay higher rates. Married drivers in Fresno can save up to $72 a year on car insurance premiums.
      • Your ZIP Code: If you live in a ZIP code with high rates of auto theft, vandalism, and uninsured drivers, you can expect your insurance company to charge you higher rates.
      • Your Driving Record: No matter where you live, your insurance company is bound to increase your rates if you get a speeding ticket, are involved in an at-fault accident, or get cited for a DUI. Maintaining a clean driving record is one of the best ways to minimize your costs.

        A Comparison of Quotes for Fresno Drivers

        To find the best insurance coverage at an affordable price, consider shopping around for quotes from various providers. Some insurance companies charge lower prices because each provider has its own formula for calculating rates. MoneyGeek gathered quotes for different groups of Fresno drivers from several insurance companies. If you’re a Fresno driver shopping for a policy that meets state minimums, here’s what you can expect to pay, on average:

        • Esurance: $539 a year
        • USAA: $455 a year
        • Progressive: $485 a year
        • GEICO: $475 a year
        • Mercury: $527 a year
        • CSAA: $524 a year
        • Allstate: $690 a year
        • State Farm: $646 a year
        • MetLife: $668 a year
        • Travelers: $604 a year
        • Hartford: $749 a year
        • Allied: $716 a year
        • Farmers: $840 a year

          If you’re a Fresno driver interested in purchasing full car insurance coverage, these are your most affordable options:

          • Esurance: $979 a year
          • USAA: $1107 a year
          • Progressive: $1108 a year
          • GEICO: $1160 a year
          • Mercury: $1285 a year
          • CSAA: $1325 a year
          • Allstate: $1187 a year
          • State Farm: $1349 a year
          • MetLife: $1302 a year
          • Travelers: $1554 a year
          • Hartford: $1503 a year
          • Allied: $1559 a year
          • Farmers: $1585 a year

            MoneyGeek also analyzed quotes to find affordable rates for Fresno drivers with different types of violations on their record. If you’re a Fresno driver with a recent speeding ticket, at-fault accident, or DUI on your record, you can expect to pay the following:

            • Esurance: $1237 a year with a recent speeding ticket/$1531 a year with an at-fault accident/$2426 a year with a DUI
            • Mercury: $1682 a year with a recent speeding ticket/$2218 a year with an at-fault accident/$2104 a year with a DUI
            • USAA: $1210 a year with a recent speeding ticket/$1927 a year with an at-fault accident/$3127 a year with a DUI
            • GEICO: $1713 a year with a recent speeding ticket/$1948 a year with an at-fault accident/$2728 a year with a DUI
            • Progressive: $2126 a year with a recent speeding ticket/$2321 a year with an at-fault accident/$2679 a year with a DUI
            • Allstate: $1671 a year with a recent speeding ticket/$2103 a year with an at-fault accident/$3721 a year with a DUI
            • Farmers: $2178 a year with a recent speeding ticket/$2722 a year with an at-fault accident/$2722 a year with a DUI
            • CSAA: $1661 a year with a recent speeding ticket/$1661 a year with an at-fault accident/$4732 a year with a DUI
            • State Farm: $1984 a year with a recent speeding ticket/$2065 a year with an at-fault accident/$4143 a year with a DUI
            • Travelers: $2304 a year with a recent speeding ticket/$2550 a year with an at-fault accident/$3183 a year with a DUI
            • Allied: $2183 a year with a recent speeding ticket/$2506 a year with an at-fault accident/$3764 a year with a DUI
            • Hartford: $2384 a year with a recent speeding ticket/$3366 a year with an at-fault accident/$5587 a year with a DUI
            • MetLife: $1688 a year with a recent speeding ticket/$2188 a year with an at-fault accident/$8202 a year with a DUI

              Check this out if you need additional information, resources, or guidance on car insurance.

              Sources:

              Compare the Cheapest Car Insurance Quotes in Fresno, CA | moneygeek.com

              Best Cheap Car Insurance in Fresno, California | benzinga.com

              Fresno, CA Car Insurance | thezebra.com

              California Minimum Car Insurance: Everything You Need to Know | caranddriver.com

              Full Coverage Car Insurance California: Everything You Need To Know | caranddriver.com

              Car Insurance | caranddriver.com

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