Fresno Car Insurance Quotes – 2023 Rates + Cheapest Autos to Insure

• Fresno car insurance costs an average of $2,042 per year, or about $170 per month.
• Fresno car insurance averages $130 per year less than the California state average and $314 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 $2,234 per year, Chevrolet Equinox at $1,834, and Ford F150 at $2,074.
• SUV models like the Chevrolet Trailblazer, Nissan Rogue Sport, Honda HR-V, and Subaru Forester 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 ($1,704 per year), Ford Maverick ($1,694 per year), Nissan Titan ($2,018 per year), and Honda Passport ($1,584 per year).

How much does average car insurance cost in Fresno?

The average price for car insurance in Fresno is $2,042 per year, which is about $170 per month. Fresno car insurance costs 16.7% more than the U.S. average rate of $1,728.

The average price for car insurance in California is $2,172 per year, so Fresno, California, drivers pay an average of $130 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 $104 per year more expensive than in San Diego, $738 per year less than in Los Angeles, and $374 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.

The average cost of auto insurance per month in Fresno is $170, and ranges from $141 to $386 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 – $7,308 per year or $609 per month
• 17-year-old driver – $6,836 per year or $570 per month
• 18-year-old driver – $6,384 per year or $532 per month
• 19-year-old driver – $5,780 per year or $482 per month
• 20-year-old driver – $4,060 per year or $338 per month
• 30-year-old driver – $2,148 per year or $179 per month
• 40-year-old driver – $2,042 per year or $170 per month
• 50-year-old driver – $1,858 per year or $155 per month
• 60-year-old driver – $1,824 per year or $152 per month

Popular models and the cost of insurance

The previous auto insurance rates in this article are an average for all 2023 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.

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 $2,202 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 $1,064 more per year for $250 physical damage deductibles versus $1,000.
• Average cost per month ranges from $152 to $609 – 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 – $2,042 (Fresno average) compared to $2,172 (California average)
• Car insurance rates decrease a lot from age 20 to 30 – The average 30-year-old Fresno, California, driver will pay $1,912 less annually than a 20-year-old driver, $2,148 compared to $4,060.
• Fresno, California, average car insurance cost is more than the U.S. average – $2,042 (Fresno average) compared to $1,728 (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 Chevrolet Trailblazer, Nissan Kicks, Buick Encore, and Buick Envision.

Average insurance rates for those compact SUVs cost $1,632 or less per year, or $136 per month, to have full coverage.

Additional models that are ranked high in our insurance cost comparison are the Ford Edge, Subaru Impreza, Acura RDX, and Subaru Forester.

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 $1,730 or less per year, or about $144 per month in Fresno.

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

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.

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 Subaru Legacy at $1,880 per year for a full coverage policy to the Kia Stinger at $2,312 per year, a difference of $432 within that segment.

Also, in the large truck segment, the average cost of insurance ranges from the Nissan Titan at $2,018 per year to the GMC Hummer EV Pickup at $2,574 per year, a difference of $556 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 Subaru Impreza ranks in the top spot for the most budget-friendly non-luxury car to insure in Fresno, followed by the Volkswagen Jetta, Subaru Legacy, Nissan Sentra, and Toyota Corolla. The 2023 model has an average cost of $1,690 per year for a policy with full coverage.

Not the cheapest cars to insure, but still affordable, are models like the Volkswagen Golf, Mazda 3, Toyota Camry, and Kia K5, with average annual insurance rates of $1,968 per year or less.

Additional models that make the list include the Volkswagen Arteon, Honda Civic, Tesla Model 3, Kia Forte, and Honda Accord, which cost between $1,968 and $2,138 to insure per year.

From a monthly standpoint, car insurance in Fresno on this segment for a middle-age safe driver will start around $141 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 Subaru Impreza at $1,690 per year ($141 per month) and ending with the Volkswagen Arteon at $2,138 per year ($178 per month).

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 Chevrolet Trailblazer at $1,544 per year, the Subaru Crosstrek at $1,558 per year, and the Nissan Kicks at $1,564 per year.

Other SUVs that have good average insurance rates are the Buick Encore, Kia Seltos, Subaru Ascent, and Buick Envision, with an average car insurance cost of $1,658 per year or less.

As a cost per month, full-coverage auto insurance in this segment can cost as low as $129 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 Chevrolet Trailblazer at $1,544 per year and ending with the Chevrolet Trax at $1,752 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 GMC Canyon, Nissan Frontier, Ford Ranger, Ford Maverick, and Chevrolet Colorado. Car insurance quotes for these 2023 models average $1,852 or less per year.

Some other pickups that have affordable insurance rates include the Nissan Titan, Ford F150, Hyundai Santa Cruz, and Honda Ridgeline, with average insurance cost of $2,074 per year or less.

Auto insurance rates in this segment for a good driver can cost as low as $141 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 Ford Maverick at $141 per month and ending with the Nissan Titan XD at $190 per month.

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 $1,884 per year, the Audi TT at $2,116 per year, and the Ford Mustang at $2,216 per year.

Also ranking well in our comparison are models like the Toyota GR Supra, Toyota GR86, BMW M2, and Subaru BRZ, with an average cost of $2,462 per year or less.

Ranked from 10th to 20th place, cars like the Porsche 718, Lexus LC 500, Lexus RC F, Chevrolet Corvette, and Mercedes-Benz AMG GT53 average between $2,462 and $3,066 to insure per year.

As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $157 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 $157 per month and ending with the Lexus LC 500 at $256 per month.

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 Acura TLX, BMW 330i, Cadillac CT4, Acura Integra, and Genesis G70. Insurance rates for these vehicles average $2,174 or less per year, or around $181 per month.

Additional luxury cars that have cheaper rates include the Lexus ES 350, Lexus ES 250, BMW 228i, and Cadillac CT5, with average annual insurance rates of $2,216 per year or less.

Ranked between 10th and 20th place, models like the Audi A3, Mercedes-Benz AMG CLA45, Mercedes-Benz AMG CLA35, Lexus RC 300, Audi A4, and Lexus RC 350 cost between $2,216 and $2,278 per year for insurance.

Full-coverage auto insurance in this segment for the average driver will start around $153 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 $1,834 per year ($153 per month) and ending with the Volvo S60 at $2,278 per year ($190 per month).

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, Infiniti QX50, Volvo XC40, and Lexus RX 350. Car insurance rates for these models average $1,890 or less per year.

Additional luxury SUVs that have affordable average insurance rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Cadillac XT6, and Mercedes-Benz GLA250, with an average car insurance cost of $1,986 per year or less.

Some additional luxury SUVs that made the list include the Acura MDX, Mercedes-Benz GLC300, Lexus NX 450h, and Lexus NX 350h, which average between $1,986 and $2,078 per year for insurance.

Auto insurance for this segment in Fresno for a good driver will start around $142 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 $1,704 per year. For midsize 2023 models, the Lexus RX 350 has the best rates at $1,826 per year. And for full-size luxury SUVs, the Volvo XC90 has the most affordable rates at $2,102 per year.

The next table ranks the luxury SUVs with the lowest-cost car insurance in Fresno, starting with the Acura RDX at $1,704 per year and ending with the Mercedes-Benz GLC300 at $2,078 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 $284 per year for a 40-year-old driver and $552 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 $61 and $206 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 $632 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 $346 per year on their insurance cost.