Fresno Car Insurance Quotes – 2025 Rates + Cheapest Autos to Insure

We compared insurance rates for nearly 200 cars, SUVs and pickup trucks to find out which models have cheap car insurance quotes in Fresno, California.

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  • Fresno car insurance costs an average of $2,710 per year, or about $226 per month.
  • Fresno car insurance averages $132 per year less than the California state average and $489 per year more than the average rate for all 50 U.S. states.
  • Auto insurance rates for a few popular vehicles in Fresno include the Chevrolet Silverado at $2,996 per year, Chevrolet Equinox at $2,498, and Ford F150 at $3,032.
  • SUV models like the Subaru Crosstrek, Nissan Kicks, Volkswagen Tiguan, and Honda CR-V are the top picks for cheap car insurance in Fresno.
  • A few vehicles with the lowest cost car insurance in Fresno for their respective segments include the Acura RDX ($2,266 per year), Chevrolet Colorado ($2,388 per year), Nissan Titan ($2,534 per year), and Honda Passport ($2,160 per year).

How much does average car insurance cost in Fresno?

The average price for car insurance in Fresno is $2,710 per year, which is about $226 per month. Fresno car insurance costs 19.8% more than the U.S. average rate of $2,221.

The average price for car insurance in California is $2,842 per year, so Fresno, California, drivers pay an average of $132 less per year than the overall California state-wide average rate. When compared to other cities in California, the cost to insure a vehicle in Fresno is around $100 per year more expensive than in San Diego, $730 per year less than in Los Angeles, and $370 per year less than in San Francisco.

The next chart shows examples of average Fresno auto insurance cost. Rates are averaged for all Fresno Zip Codes and shown based on a variety of different driver ages, policy physical damage deductibles, and risk scenarios.

Average car insurance rates in Fresno for different driver ages and risk scenarios.
Figure 1: Average car insurance rates in Fresno for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average rates are for the 2024 model year with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average car insurance cost in Fresno includes all Zip Codes and vehicle trim levels.

2024 Average Car Insurance Cost in Fresno, CA
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$6,236$520
Safe Driver Age 20$5,454$455
At-fault Accidents Age 40$3,836$320
Low Deductibles Age 40$3,548$296
Safe Driver Age 30$2,892$241
Safe Driver Age 40$2,710$226
Safe Driver Age 50$2,402$200
High Deductibles Age 40$2,280$190
Discount Rate Age 40$2,252$188
Safe Driver Age 60$2,248$187

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Updated June 27, 2025

The average cost of auto insurance per month in Fresno is $226, and ranges from $188 to $520 for drivers age 20 to 60 with the assigned risk profiles in the chart above.

The age of the rated driver is the largest factor that influences the cost of car insurance, so the list below details how age impacts cost by breaking down average car insurance rates for driver ages 16 through 60.

Fresno, CA, car insurance cost by driver age

  • 16-year-old driver – $9,650 per year or $804 per month
  • 17-year-old driver – $9,348 per year or $779 per month
  • 18-year-old driver – $8,379 per year or $698 per month
  • 19-year-old driver – $7,630 per year or $636 per month
  • 20-year-old driver – $5,454 per year or $455 per month
  • 30-year-old driver – $2,892 per year or $241 per month
  • 40-year-old driver – $2,710 per year or $226 per month
  • 50-year-old driver – $2,402 per year or $200 per month
  • 60-year-old driver – $2,248 per year or $187 per month

The previous auto insurance rates in this article are an average for all 2024 vehicle models, which is useful when making big picture comparisons such as the average cost difference for different locations or driver risk profiles.

But for more useful car insurance cost comparisons, it makes better sense to compare rates for the exact vehicle being insured. In the next few sections of this article, we compare all kinds of car insurance rates for different makes and models, but for now, let’s look at just a few of the more popular vehicles to see how auto insurance prices compare in Fresno.

The next chart details average insurance rates in Fresno for some of the more popular vehicles. Later on, we’ll cover car insurance rates for some of these models in more detail.

Average cost to insure popular 2024 model year vehicles in Fresno.
Figure 2: Average cost to insure popular 2024 model year vehicles in Fresno. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average car insurance cost is based on 2024 model year vehicles with safe driver and claim-free discounts applied. Comprehensive and collision deductibles are $500 and UM/UIM and medical payments coverages are included. Rates are averaged for all Fresno Zip Codes.

Fresno, CA, Car Insurance Rates for Popular Vehicles
Make/Model Annual Premium Cost Per Month
Honda CR-V$2,310$193
Subaru Forester$2,412$201
Nissan Rogue$2,436$203
Ford Escape$2,474$206
Chevrolet Equinox$2,498$208
Toyota RAV4$2,498$208
Hyundai Tucson$2,520$210
Honda Accord$2,618$218
Honda Pilot$2,640$220
Toyota Camry$2,914$243
GMC Sierra$2,994$250
Chevrolet Silverado$2,996$250
Ford F150$3,032$253
Ram Truck$3,136$261
Chevrolet Corvette$3,756$313

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle for the 2024 model year and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Popular vehicle models in Fresno tend to be small or midsize cars like the Hyundai Elantra, Honda Civic, and Kia K5 and compact or midsize SUVs like the Ford Escape and Jeep Grand Cherokee.

Some additional popular models in Fresno from different automotive segments include luxury cars like the Lexus ES 350 and Acura ILX, luxury SUVs like the Infiniti QX60 and Acura MDX, and models from the pickup truck segment like the Toyota Tacoma and Chevy Silverado.

We will explore additional rates coming up in the article, but before we get into that data, let’s quickly revisit some of the concepts that were presented in the data up to this point.

  • Auto insurance gets cheaper the older you are – Insurance rates for a 50-year-old driver in Fresno are $3,052 per year cheaper than for a 20-year-old driver.
  • Lower deductible auto insurance is more expensive than high deductible – A 20-year-old driver pays an average of $1,454 more per year for $250 physical damage deductibles versus $1,000.
  • Average cost per month ranges from $187 to $804 – That’s the average auto insurance cost range for drivers aged 16 to 60 in Fresno.
  • Fresno auto insurance prices are cheaper than the California state average – $2,710 (Fresno average) compared to $2,842 (California average)
  • Car insurance rates decrease a lot from age 20 to 30 – The average 30-year-old Fresno, California, driver will pay $2,562 less annually than a 20-year-old driver, $2,892 compared to $5,454.
  • Fresno, California, average car insurance cost is more than the U.S. average – $2,710 (Fresno average) compared to $2,221 (U.S. average)

Which vehicles are cheapest to insure in Fresno?

The vehicles with the best insurance quotes in Fresno, CA, tend to be compact SUVs and crossovers like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Hyundai Venue.

Average insurance rates for those compact SUVs cost $2,200 or less per year, or $183 per month, to have full coverage.

Additional models that are ranked high in our insurance cost comparison are the Kia Niro, Acura RDX, Subaru Outback, and Volkswagen Taos.

The average cost is marginally higher for those models than the cheapest small SUVs that rank at the top, but they still have an average cost of $2,360 or less per year, or about $197 per month in Fresno.

The next table breaks down the 25 cheapest vehicles to insure in Fresno, sorted by annual and monthly insurance cost.

Cheapest Car Insurance Rates in Fresno
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$2,004$167
2Chevrolet Trailblazer$2,036$170
3Kia Soul$2,114$176
4Nissan Kicks$2,136$178
5Honda Passport$2,160$180
6Buick Envision$2,172$181
7Toyota Corolla Cross$2,184$182
8Hyundai Venue$2,200$183
9Mazda CX-5$2,210$184
10Ford Bronco Sport$2,220$185
11Volkswagen Tiguan$2,242$187
12Acura RDX$2,266$189
13Nissan Murano$2,278$190
14Buick Encore$2,300$192
15Subaru Outback$2,308$192
16Honda CR-V$2,310$193
17Buick Envista$2,318$193
18Volkswagen Taos$2,322$194
19Kia Niro$2,334$195
20Toyota GR Corolla$2,356$196
21Honda HR-V$2,360$197
22Subaru Ascent$2,360$197
23Nissan Leaf$2,374$198
24Chevrolet Colorado$2,388$199
25Honda Civic$2,400$200

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Top 25 cheapest vehicles to insure in Fresno, CA with the Subaru Crosstrek ranking first at $2,004 per year
Top 25 cheapest vehicles to insure in Fresno, CA with the Subaru Crosstrek ranking first at $2,004 per year

The table above that contains 25 ranked vehicles is probably not the best way to present the complete picture of car insurance rates in Fresno. A more efficient way to analyze car insurance rates for more vehicles is to sort them by segment.

The section below goes into the average price of auto insurance in Fresno for each vehicle segment. The rates shown will provide a good foundation of which types of vehicles have the overall cheapest average car insurance rates. Then the subsequent sections break out and rank the top 20 cheapest models in each individual segment.

Fresno car insurance rates by automotive segment

When shopping around for a new or used vehicle, it’s in your best interest to know which kinds of vehicles are cheaper to insure.

To illustrate this, many people wonder if compact SUVs cost less to insure than midsize SUVs or which size of SUV has more affordable insurance.

The next chart shows average auto insurance rates by segment in Fresno. From an overall average perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks have the best average car insurance rates, while sports cars and performance luxury models have the highest average cost of insurance.

Car insurance average cost by automotive segment in Fresno, CA.
Figure 3: Car insurance average cost by automotive segment in Fresno, CA. Rates updated on June 27, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all Fresno Zip Codes.

Car Insurance Rates by Automotive Segment in Fresno, CA
Automotive Segment Annual Premium Cost Per Month
Compact SUV$2,492$208
Midsize SUV$2,676$223
Minivan$2,680$223
Compact Car$2,680$223
Midsize Pickup$2,734$228
Midsize Car$2,764$230
Compact Luxury SUV$2,940$245
Compact Luxury Car$2,980$248
Large SUV$2,992$249
Half-ton Pickup$3,004$250
Heavy Duty Pickup$3,114$260
Midsize Luxury SUV$3,216$268
Midsize Luxury Car$3,324$277
Sports Car$3,726$311
Large Car$3,900$325
Large Luxury SUV$4,194$350
Large Luxury Car$4,336$361

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all 2024 model year vehicles and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Rates by different vehicle segments are sufficient to make an overall comparison, but car insurance cost varies quite a lot within each segment shown in the above chart.

For example, in the midsize car segment, Fresno car insurance rates range from the Kia K5 at $2,612 per year for a full coverage policy to the Tesla Model 3 at $3,182 per year, a difference of $570 within that segment.

Also, in the large truck segment, the average cost of insurance ranges from the Nissan Titan at $2,534 per year to the Toyota Tundra at $3,228 per year, a difference of $694 within that segment.

In the upcoming sections, we eliminate a lot of this variability by analyzing the cost of auto insurance in Fresno for specific vehicles.

Cheapest cars to insure in Fresno

The Toyota GR Corolla ranks in the top spot for the most budget-friendly non-luxury car to insure in Fresno, followed by the Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. The 2024 model has an average cost of $2,356 per year for a policy with full coverage.

Not the cheapest cars to insure, but still affordable, are models like the Toyota Prius, Chevrolet Malibu, Honda Accord, and Toyota Corolla, with average annual insurance rates of $2,640 per year or less.

Additional models that make the list include the Mazda 3, Nissan Versa, Hyundai Sonata, Subaru Legacy, and Toyota Crown, which cost between $2,640 and $2,804 to insure per year.

From a monthly standpoint, car insurance in Fresno on this segment for a middle-age safe driver will start around $196 per month, depending on your location and insurance company.

The next table ranks the cars with the cheapest average car insurance rates in Fresno, starting with the Toyota GR Corolla at $2,356 per year ($196 per month) and ending with the Mazda 3 at $2,804 per year ($234 per month).

Cheapest Car Insurance in Fresno, CA
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$2,356$196
Nissan LeafCompact$2,374$198
Honda CivicCompact$2,400$200
Nissan SentraCompact$2,484$207
Subaru ImprezaCompact$2,492$208
Toyota PriusCompact$2,532$211
Kia K5Midsize$2,612$218
Honda AccordMidsize$2,618$218
Chevrolet MalibuMidsize$2,630$219
Toyota CorollaCompact$2,640$220
Kia ForteCompact$2,648$221
Volkswagen ArteonMidsize$2,664$222
Nissan VersaCompact$2,672$223
Subaru LegacyMidsize$2,676$223
Hyundai Ioniq 6Midsize$2,696$225
Mitsubishi Mirage G4Compact$2,736$228
Toyota CrownMidsize$2,742$229
Volkswagen JettaCompact$2,742$229
Hyundai SonataMidsize$2,748$229
Mazda 3Compact$2,804$234

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in Fresno, CA, with the Toyota GR Corolla ranking first at $2,356 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Fresno, CA, with the Toyota GR Corolla ranking first at $2,356 per year.

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in California.

Cheapest SUVs to insure in Fresno, California

The cheapest SUVs to insure in Fresno are the Subaru Crosstrek at $2,004 per year, the Chevrolet Trailblazer at $2,036 per year, and the Kia Soul at $2,114 per year.

Other SUVs that have good average insurance rates are the Toyota Corolla Cross, Mazda CX-5, Ford Bronco Sport, and Hyundai Venue, with an average car insurance cost of $2,220 per year or less.

As a cost per month, full-coverage auto insurance in this segment can cost as low as $167 per month, depending on the company and where you live.

The next table ranks the SUVs with the most affordable auto insurance rates in Fresno, starting with the Subaru Crosstrek at $2,004 per year and ending with the Subaru Ascent at $2,360 per year.

Cheapest SUV Insurance in Fresno, CA
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$2,004$167
Chevrolet TrailblazerCompact$2,036$170
Kia SoulCompact$2,114$176
Nissan KicksCompact$2,136$178
Honda PassportMidsize$2,160$180
Buick EnvisionCompact$2,172$181
Toyota Corolla CrossCompact$2,184$182
Hyundai VenueCompact$2,200$183
Mazda CX-5Compact$2,210$184
Ford Bronco SportCompact$2,220$185
Volkswagen TiguanCompact$2,242$187
Nissan MuranoMidsize$2,278$190
Buick EncoreCompact$2,300$192
Subaru OutbackMidsize$2,308$192
Honda CR-VCompact$2,310$193
Buick EnvistaMidsize$2,318$193
Volkswagen TaosCompact$2,322$194
Kia NiroCompact$2,334$195
Honda HR-VCompact$2,360$197
Subaru AscentMidsize$2,360$197

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in Fresno, CA, with the Subaru Crosstrek ranking first at $2,004 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Fresno, CA, with the Subaru Crosstrek ranking first at $2,004 per year.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.

Is your SUV not in the list? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Fresno car insurance quotes from top-rated car insurance companies in California.

Cheapest pickup truck insurance rates in Fresno

The top five models for the cheapest Fresno auto insurance rates in the pickup truck segment are the Ford Maverick, Nissan Frontier, Ford Ranger, Chevrolet Colorado, and Nissan Titan. Car insurance quotes for these 2024 models average $2,628 or less per year.

Some other pickups that have affordable insurance rates include the Toyota Tacoma, GMC Canyon, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average insurance cost of $2,788 per year or less.

Auto insurance rates in this segment for a good driver can cost as low as $199 per month, depending on your company and location.

The next table ranks the twenty pickups with the most affordable insurance in Fresno, starting with the Chevrolet Colorado at $199 per month and ending with the Ram Truck at $261 per month.

Cheapest Pickup Insurance in Fresno, CA
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$2,388$199
Nissan TitanFull-size$2,534$211
Nissan FrontierMidsize$2,562$214
Ford RangerMidsize$2,590$216
Ford MaverickMidsize$2,628$219
Honda RidgelineMidsize$2,690$224
Hyundai Santa CruzMidsize$2,736$228
Toyota TacomaMidsize$2,746$229
GMC Sierra 2500 HDHeavy Duty$2,754$230
GMC CanyonMidsize$2,788$232
Jeep GladiatorMidsize$2,854$238
GMC Sierra 3500Heavy Duty$2,872$239
Chevrolet Silverado HD 3500Heavy Duty$2,896$241
Chevrolet Silverado HD 2500Heavy Duty$2,972$248
GMC SierraFull-size$2,994$250
Chevrolet SilveradoFull-size$2,996$250
Nissan Titan XDHeavy Duty$2,998$250
Ford F150Full-size$3,032$253
GMC Hummer EV PickupFull-size$3,108$259
Ram TruckFull-size$3,136$261

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Fresno, CA, with the Chevrolet Colorado ranking first at $2,388 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Fresno, CA, with the Chevrolet Colorado ranking first at $2,388 per year.

For all pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your truck in the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Fresno car insurance quotes from the best companies in California.

Cheapest sports cars to insure in Fresno, CA

The top three sports cars with the cheapest insurance rates in Fresno are the Mazda MX-5 Miata at $2,508 per year, the Toyota GR86 at $2,856 per year, and the Ford Mustang at $2,976 per year.

Also ranking well in our comparison are models like the BMW M2, Nissan Z, Lexus RC F, and Subaru BRZ, with an average cost of $3,242 per year or less.

Ranked from 10th to 20th place, cars like the Chevrolet Corvette, Porsche Taycan, Chevrolet Camaro, BMW M3, and BMW M4 average between $3,242 and $4,592 to insure per year.

As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $209 per month, depending on where you live and the company you use. The next table ranks the twenty sports cars with the lowest-cost auto insurance rates in Fresno, starting with the Mazda MX-5 Miata at $209 per month and ending with the Porsche Taycan at $383 per month.

Cheapest Sports Car Insurance in Fresno, CA
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$2,508$209
Toyota GR86Sports Car$2,856$238
Ford MustangSports Car$2,976$248
BMW Z4Sports Car$2,996$250
Subaru WRXSports Car$3,040$253
Toyota GR SupraSports Car$3,046$254
BMW M2Sports Car$3,134$261
Nissan ZSports Car$3,142$262
Lexus RC FSports Car$3,204$267
Subaru BRZSports Car$3,242$270
BMW M3Sports Car$3,424$285
Porsche 718Sports Car$3,492$291
Chevrolet CamaroSports Car$3,524$294
Chevrolet CorvetteSports Car$3,756$313
Porsche 911Sports Car$3,884$324
BMW M4Sports Car$4,046$337
Lexus LC 500Sports Car$4,066$339
Jaguar F-TypeSports Car$4,276$356
Mercedes-Benz AMG GT53Sports Car$4,486$374
Porsche TaycanSports Car$4,592$383

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 26, 2025

Ranking of the cheapest sports cars to insure in Fresno, CA, with the Mazda MX-5 Miata ranking first at $2,508 per year.
Ranking of the cheapest sports cars to insure in Fresno, CA, with the Mazda MX-5 Miata ranking first at $2,508 per year.

Don’t see your sports car? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best car insurance companies in Fresno.

Cheapest luxury cars to insure

The top five models for the lowest-cost Fresno auto insurance rates in the luxury car segment are the Mercedes-Benz CLA250, BMW 330i, Lexus IS 300, Acura Integra, and Acura TLX. Insurance rates for these vehicles average $2,804 or less per year, or around $234 per month.

Additional luxury cars that have cheaper rates include the Lexus ES 350, Mercedes-Benz AMG CLA35, Lexus RC 300, and Cadillac CT4, with average annual insurance rates of $2,850 per year or less.

Ranked between 10th and 20th place, models like the Cadillac CT5, Lexus ES 300h, Jaguar XF, Lexus IS 350, BMW 330e, and BMW 228i cost between $2,850 and $3,040 per year for insurance.

Full-coverage auto insurance in this segment for the average driver will start around $201 per month, depending on your location. The next table ranks the cars with the cheapest car insurance in Fresno, starting with the Acura Integra at $2,410 per year ($201 per month) and ending with the Audi S3 at $3,040 per year ($253 per month).

Cheapest Luxury Car Insurance in Fresno, CA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$2,410$201
BMW 330iCompact$2,760$230
Mercedes-Benz CLA250Midsize$2,788$232
Lexus IS 300Midsize$2,796$233
Acura TLXCompact$2,804$234
Cadillac CT4Compact$2,830$236
Lexus ES 350Midsize$2,830$236
Genesis G70Compact$2,838$237
Mercedes-Benz AMG CLA35Midsize$2,842$237
Lexus RC 300Midsize$2,850$238
Lexus IS 350Compact$2,862$239
Jaguar XFMidsize$2,866$239
Cadillac CT5Midsize$2,922$244
Lexus ES 250Midsize$2,930$244
Lexus RC 350Compact$2,940$245
BMW 330eCompact$2,946$246
BMW 228iCompact$2,950$246
BMW 230iCompact$2,972$248
Lexus ES 300hMidsize$2,976$248
Audi S3Compact$3,040$253

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Fresno, CA, with the Acura Integra ranking first at $2,410 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Fresno, CA, with the Acura Integra ranking first at $2,410 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Don’t see your luxury car in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Fresno car insurance quotes from the best car insurance companies in California.

Cheapest luxury SUVs to insure

Ranking highest for the cheapest Fresno car insurance rates in the luxury SUV segment are the Cadillac XT4, Acura RDX, Cadillac XT5, Jaguar E-Pace, and Lexus NX 250. Car insurance rates for these models average $2,558 or less per year.

Additional luxury SUVs that have affordable average insurance rates include the Lexus NX 350h, Lexus NX 450h, Lexus UX 250h, and Mercedes-Benz GLB 250, with an average car insurance cost of $2,614 per year or less.

Some additional luxury SUVs that made the list include the Mercedes-Benz GLA250, Lexus RX 350, Mercedes-Benz AMG GLB35, and Cadillac XT6, which average between $2,614 and $2,722 per year for insurance.

Auto insurance for this segment in Fresno for a good driver will start around $189 per month, depending on your location and insurance company.

If vehicle size is considered, the lowest-cost small luxury SUV to insure in Fresno is the Acura RDX at $2,266 per year. For midsize 2024 models, the Jaguar E-Pace has the best rates at $2,534 per year. And for full-size luxury SUVs, the Infiniti QX80 has the most affordable rates at $3,040 per year.

The next table ranks the luxury SUVs with the lowest-cost car insurance in Fresno, starting with the Acura RDX at $2,266 per year and ending with the Lexus RX 350 at $2,722 per year.

Cheapest Luxury SUV Insurance in Fresno, CA
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$2,266$189
Lexus NX 250Compact$2,400$200
Cadillac XT4Compact$2,446$204
Jaguar E-PaceMidsize$2,534$211
Cadillac XT5Midsize$2,558$213
Lexus NX 350hCompact$2,558$213
Lincoln CorsairCompact$2,590$216
Mercedes-Benz GLB 250Compact$2,594$216
Lexus UX 250hCompact$2,600$217
Lexus NX 450hCompact$2,614$218
Infiniti QX50Midsize$2,634$220
Mercedes-Benz GLA250Compact$2,642$220
Mercedes-Benz GLA35 AMGCompact$2,650$221
Cadillac XT6Midsize$2,652$221
Infiniti QX60Midsize$2,666$222
Mercedes-Benz AMG GLB35Midsize$2,670$223
Land Rover EvoqueCompact$2,704$225
Acura MDXMidsize$2,708$226
Lexus NX 350Compact$2,718$227
Lexus RX 350Midsize$2,722$227

Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fresno, CA Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Fresno, CA, with the Acura RDX ranking first at $2,266 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Fresno, CA, with the Acura RDX ranking first at $2,266 per year.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV not in the list? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in California.

How to find cheaper auto insurance quotes

Fresno drivers are always looking to save money on insurance, so read through the tips and ideas in this next list and see if you can save some money on your next policy.

  • Lower the cost of your policy by increasing deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Pay small claims out-of-pocket. Most insurers offer a discount if you have no claims on your account. Insurance is intended to be used for larger claims, not small claims.
  • Your choice of occupation could save you money. Some auto insurance companies offer discounts for specific professions like emergency medical technicians, engineers, architects, police officers and law enforcement, high school and elementary teachers, doctors, and others. Being employed in a qualifying profession could save between $81 and $263 on your auto insurance bill, depending on the coverage levels.
  • Choose vehicles that have more affordable auto insurance. The type of vehicle you drive is an important factor in the price you pay for car insurance in Fresno. For example, a Kia Sportage costs $868 less per year to insure in Fresno than a Chevrolet Camaro. Buy lower performance vehicles and save money.
  • If your vehicle is older, reduce coverage. Dropping physical damage coverage (comprehensive and collision) from older vehicles can cut the cost of auto insurance considerably.
  • Compare car insurance rates before buying a car. Different cars can have very different insurance premiums, and companies can sell coverages with a wide range of costs. Get plenty of car insurance quotes before you buy a new car in order to prevent price shock when buying insurance.
  • More discounts means cheap auto insurance rates. Discounted rates may be available if the insureds drive low annual mileage, are good students, insure their home and car with the same company, are accident-free, or many other discounts which could save the average Fresno driver as much as $458 per year on their insurance cost.