Fresno Car Insurance Quotes – 2022 Rates + Cheapest Autos to Insure

• Fresno car insurance costs an average of $1,812 per year, or about $151 per month.
• Fresno car insurance averages $68 per year more than the California state average and $245 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 $1,950 per year, Chevrolet Equinox at $1,694, and Ford F150 at $1,754.
• SUV models like the Mazda CX-5, Subaru Crosstrek, Kia Seltos, and Hyundai Kona 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 ($1,554 per year), Chevrolet Colorado ($1,492 per year), Ford F150 ($1,754 per year), and Honda Passport ($1,458 per year).

How much does average car insurance cost in Fresno?

The average price for car insurance in Fresno is $1,812 per year, which is about $151 per month. Fresno car insurance costs 15.6% more than the U.S. average rate of $1,567.

The average price for car insurance in California is $1,744 per year, so Fresno, California, drivers pay an average of $68 more 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 $98 per year more expensive than in San Diego, $710 per year less than in Los Angeles, and $360 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 $151, and ranges from $125 to $342 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 – $6,490 per year or $541 per month
• 17-year-old driver – $6,062 per year or $505 per month
• 18-year-old driver – $5,662 per year or $472 per month
• 19-year-old driver – $5,118 per year or $427 per month
• 20-year-old driver – $3,594 per year or $300 per month
• 30-year-old driver – $1,906 per year or $159 per month
• 40-year-old driver – $1,812 per year or $151 per month
• 50-year-old driver – $1,648 per year or $137 per month
• 60-year-old driver – $1,618 per year or $135 per month

Popular models and the cost of insurance

The previous auto insurance rates in this article are an average for all 2022 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 $1,946 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 $950 more per year for $250 physical damage deductibles versus $1,000.
• Average cost per month ranges from $135 to $541 – That’s the average auto insurance cost range for drivers aged 16 to 60 in Fresno.
• Fresno auto insurance prices are more expensive than the California state average – $1,812 (Fresno average) compared to $1,744 (California average)
• Car insurance rates decrease a lot from age 20 to 30 – The average 30-year-old Fresno, California, driver will pay $1,688 less annually than a 20-year-old driver, $1,906 compared to $3,594.
• Fresno, California, average car insurance cost is more than the U.S. average – $1,812 (Fresno average) compared to $1,567 (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 Mazda CX-5, Chevrolet Trailblazer, Buick Encore, and Nissan Rogue Sport.

Average insurance rates for those compact SUVs cost $1,512 or less per year, or $126 per month, to have full coverage.

Additional models that are ranked high in our insurance cost comparison are the Mazda MX-5 Miata, Kia Seltos, Subaru Ascent, 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 $1,572 or less per year, or about $131 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 $1,758 per year for a full coverage policy to the Kia Stinger at $2,138 per year, a difference of $380 within that segment.

Also, in the large truck segment, the average cost of insurance ranges from the Ford F150 at $1,754 per year to the GMC Hummer EV Pickup at $2,308 per year, a difference of $554 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 Chevrolet Spark, Volkswagen Golf, Subaru Legacy, and Volkswagen Jetta. The 2022 model has an average cost of $1,572 per year for a policy with full coverage.

Not the cheapest cars to insure, but still affordable, are models like the Honda Insight, Toyota Corolla, Kia K5, and Toyota Camry, with average annual insurance rates of $1,782 per year or less.

Additional models that make the list include the Chevrolet Malibu, Honda Civic, Kia Forte, Mazda 3, and Hyundai Accent, which cost between $1,782 and $1,882 to insure per year.

From a monthly standpoint, car insurance in Fresno on this segment for a middle-age safe driver will start around $131 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 $1,572 per year ($131 per month) and ending with the Chevrolet Malibu at $1,882 per year ($157 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 Mazda CX-5 at $1,378 per year, the Nissan Kicks at $1,414 per year, and the Chevrolet Trailblazer at $1,422 per year.

Other SUVs that have good average insurance rates are the Buick Encore, Hyundai Venue, Buick Envision, and Nissan Rogue Sport, with an average car insurance cost of $1,544 per year or less.

As a cost per month, full-coverage auto insurance in this segment can cost as low as $115 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 Mazda CX-5 at $1,378 per year and ending with the Ford Edge at $1,634 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 Nissan Frontier, Ford Ranger, Toyota Tacoma, Chevrolet Colorado, and Ford Maverick. Car insurance quotes for these 2022 models average $1,726 or less per year.

Some other pickups that have affordable insurance rates include the Ford F150, Jeep Gladiator, GMC Canyon, and Honda Ridgeline, with average insurance cost of $1,782 per year or less.

Auto insurance rates in this segment for a good driver can cost as low as $124 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 $124 per month and ending with the GMC Sierra 3500 at $178 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 $1,572 per year, the Ford Mustang at $1,912 per year, and the BMW Z4 at $1,952 per year.

Also ranking well in our comparison are models like the Audi TT, Subaru BRZ, Chevrolet Corvette, and BMW M3, with an average cost of $2,348 per year or less.

Ranked from 10th to 20th place, cars like the Dodge Challenger, Lexus LC 500, Lexus RC F, Porsche 718, and Jaguar F-Type average between $2,348 and $2,986 to insure per year.

As a cost per month, auto insurance rates in this segment for a good driver starts at an average of $131 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 $131 per month and ending with the Lexus LC 500 at $249 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 BMW 330i, Mercedes-Benz A220, Acura TLX, Acura ILX, and Volvo S60. Insurance rates for these vehicles average $1,944 or less per year, or around $162 per month.

Additional luxury cars that have cheaper rates include the BMW 228i, Lexus RC 300, Alfa Romeo Giulia, and BMW 330e, with average annual insurance rates of $2,012 per year or less.

Ranked between 10th and 20th place, models like the Genesis G70, Mercedes-Benz AMG CLA45, Lexus RC 350, Cadillac CT4, Cadillac CT5, and Audi A3 cost between $2,012 and $2,108 per year for insurance.

Full-coverage auto insurance in this segment for the average driver will start around $139 per month, depending on your location. The next table ranks the cars with the cheapest car insurance in Fresno, starting with the Acura ILX at $1,668 per year ($139 per month) and ending with the Audi S3 at $2,108 per year ($176 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 Volvo XC40, Acura RDX, Lexus NX 250, Cadillac XT5, and Cadillac XT4. Car insurance rates for these models average $1,804 or less per year.

Additional luxury SUVs that have affordable average insurance rates include the BMW X1, Lexus UX 200, Lexus NX 350, and Lexus UX 250h, with an average car insurance cost of $1,852 per year or less.

Some additional luxury SUVs that made the list include the Lexus RX 350, Lincoln Corsair, Mercedes-Benz GLB 250, and Acura MDX, which average between $1,852 and $1,920 per year for insurance.

Auto insurance for this segment in Fresno for a good driver will start around $130 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 $1,554 per year. For midsize 2022 models, the Cadillac XT5 has the best rates at $1,784 per year. And for full-size luxury SUVs, the Volvo XC90 has the most affordable rates at $1,962 per year.

The next table ranks the luxury SUVs with the lowest-cost car insurance in Fresno, starting with the Acura RDX at $1,554 per year and ending with the Lincoln Corsair at $1,920 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 $236 per year for a 40-year-old driver and $456 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 $54 and $189 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 $698 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 $308 per year on their insurance cost.