Cheap Car Insurance in Fresno

Written by Xuyun Zeng and 2 others
Updated Oct 14, 2025
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Cheap Car Insurance in Fresno

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Whether you’re driving around the gridded streets of downtown or hitting rural roads outside the city, proper car insurance can protect you and your finances as you navigate Fresno.

We’ve pulled together quotes from real Jerry customers in Fresno so you can see how different factors such as age, driving history, coverage needs and location can impact your car insurance costs.

Cheapest minimum coverage insurance in Fresno

California drivers must carry the following coverages, according to state law:

  • $30,000 per person for bodily injury liability.
  • $60,000 for bodily injury per accident for multiple persons injured.
  • $15,000 for property damage liability per accident.

These are the cheapest quotes for minimum coverage that drivers in Fresno have received via Jerry.

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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More: Best car insurance companies

Cheapest full coverage insurance in Fresno

California‘s minimum required insurance may not be enough protection if you’re concerned about car theft, vandalism or damage from bad weather. Full coverage, which combines collision coverage and comprehensive insurance, provides protection in those situations.

Here are the cheapest quotes that Jerry customers received for full coverage in Fresno.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$64 $770 Aspire Advantage 39 06/10/25 Fresno, CA 93704
$65 $783 Aspire Advantage 33 08/28/25 Fresno, CA 93705
$68 $814 Aspire Advantage 37 06/14/25 Fresno, CA 93722
$68 $814 Aspire Advantage 47 07/17/25 Fresno, CA 93710
$71 $858 Mercury 69 09/29/25 Fresno, CA 93727
$72 $862 Dairyland 42 07/11/25 Fresno, CA 93705
$74 $885 Aspire Advantage 31 05/14/25 Fresno, CA 93723
$74 $887 National General 66 07/02/25 Fresno, CA 93727
$79 $950 Progressive 40 05/14/25 Fresno, CA 93727
$79 $952 Progressive 45 07/04/25 Fresno, CA 93701
Last Updated Oct. 15, 2025

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Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.

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Methodology

Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:

  • 35-45 years old.
  • Clean driving record.
  • $50,000 in bodily injury liability, per person.
  • $100,000 in bodily injury liability, per accident.
  • $1,000 deductible for comprehensive and collision insurance.

More: Cheapest car insurance in California

Cheapest car insurance for young drivers in Fresno (18-29 years old)

Drivers between 18 and 29 years old tend to pay higher premiums than seniors because insurers may view their lack of experience as a risk. It's wise to rate shop with multiple insurers to find the most affordable quote.

Here are the cheapest quotes that 18- to 29-year-olds have received in Fresno via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$42 $500 ROOT 24 No 07/09/25 Fresno, CA 93711
$42 $508 Geico 27 No 09/15/25 Fresno, CA 93711
$50 $594 ROOT 28 No 10/02/25 Fresno, CA 93727
$50 $598 Aspire Advantage 29 No 04/25/25 Fresno, CA 93727
$53 $632 ROOT 25 No 06/22/25 Fresno, CA 93721
$72 $862 Dairyland 42 07/11/25 Fresno, CA 93705
$74 $885 Aspire Advantage 31 05/14/25 Fresno, CA 93723
$74 $887 National General 66 07/02/25 Fresno, CA 93727
$79 $950 Progressive 40 05/14/25 Fresno, CA 93727
$79 $952 Progressive 45 07/04/25 Fresno, CA 93701
Last Updated Oct. 15, 2025

More: Best car insurance in California

Cheapest car insurance for mature drivers in Fresno (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$41 $493 Aspire Advantage 48 No 07/16/25 Fresno, CA 93722
$41 $495 Aspire Advantage 45 No 09/22/25 Fresno, CA 93722
$42 $498 Geico 35 No 05/20/25 Fresno, CA 93722
$42 $499 Aspire Advantage 44 No 06/19/25 Fresno, CA 93705
$42 $500 Mercury 44 No 07/14/25 Fresno, CA 93710
$72 $862 Dairyland 42 07/11/25 Fresno, CA 93705
$74 $885 Aspire Advantage 31 05/14/25 Fresno, CA 93723
$74 $887 National General 66 07/02/25 Fresno, CA 93727
$79 $950 Progressive 40 05/14/25 Fresno, CA 93727
$79 $952 Progressive 45 07/04/25 Fresno, CA 93701
Last Updated Oct. 15, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Quote
City, State
ZIP Code
$27 $323 Geico 59 No 07/26/25 Fresno, CA 93720
$43 $510 Aspire Advantage 59 No 06/23/25 Fresno, CA 93722
$43 $522 Progressive 67 No 10/02/25 Fresno, CA 93704
$44 $529 National General 58 No 07/20/25 Fresno, CA 93727
$46 $550 Aspire Advantage 57 No 04/22/25 Fresno, CA 93722
$72 $862 Dairyland 42 07/11/25 Fresno, CA 93705
$74 $885 Aspire Advantage 31 05/14/25 Fresno, CA 93723
$74 $887 National General 66 07/02/25 Fresno, CA 93727
$79 $950 Progressive 40 05/14/25 Fresno, CA 93727
$79 $952 Progressive 45 07/04/25 Fresno, CA 93701
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with clean records in Fresno

A blemish-free driving record can help ensure you get the cheapest car insurance quote possible. Here are the cheapest quotes that Fresno drivers with clean records have received via Jerry.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
Has Full Coverage
City, State
ZIP Code
$27 $323 Geico 59 07/26/25 No Fresno, CA 93720
$41 $493 Aspire Advantage 48 07/16/25 No Fresno, CA 93722
$41 $495 Aspire Advantage 45 09/22/25 No Fresno, CA 93722
$42 $498 Geico 35 05/20/25 No Fresno, CA 93722
$42 $499 Aspire Advantage 44 06/19/25 No Fresno, CA 93705
$42 $500 Mercury 44 07/14/25 No Fresno, CA 93710
$42 $500 ROOT 24 07/09/25 No Fresno, CA 93711
$42 $501 Geico 41 08/08/25 No Fresno, CA 93705
$42 $502 Aspire Advantage 41 08/04/25 No Fresno, CA 93720
$42 $503 Aspire Advantage 48 08/03/25 No Fresno, CA 93727
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with low credit scores in Fresno

Good-credit drivers often pay less for car insurance than those with lower scores. That doesn't mean expensive insurance is inevitable, but it's wise to get multiple quotes so you can choose the most affordable option.

Here are quotes that real Jerry customers with credit scores below 550 in Fresno received via Jerry.

Credit Score
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
<550 $45 $537 Aspire Advantage 60 09/08/25 Fresno, CA 93710
<550 $45 $545 National General 40 05/21/25 Fresno, CA 93703
<550 $47 $567 Aspire Advantage 48 09/15/25 Fresno, CA 93727
<550 $47 $568 Aspire Advantage 50 09/21/24 Fresno, CA 93726
<550 $49 $593 National General 40 03/07/25 Fresno, CA 93727
$42 $500 Mercury 44 Fresno, CA 93710
$42 $500 ROOT 24 Fresno, CA 93711
$42 $501 Geico 41 Fresno, CA 93705
$42 $502 Aspire Advantage 41 Fresno, CA 93720
$42 $503 Aspire Advantage 48 Fresno, CA 93727
Last Updated Oct. 15, 2025

Cheapest car insurance for drivers with at-fault accidents in Fresno

At-fault Accident on Record
Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
At Fault With Injury $46 $554 National General 63 No 10/10/25 Fresno, CA 93725
At Fault With No Injury $47 $568 Aspire Advantage 31 No 08/01/24 Fresno, CA 93710
At Fault With No Injury $51 $617 National General 33 No 01/08/25 Fresno, CA 93727
At Fault With No Injury $54 $651 Aspire Advantage 46 No 08/18/24 Fresno, CA 93722
At Fault With Injury $55 $657 Aspire Advantage 30 No 09/11/25 Fresno, CA 93710
$42 $500 Mercury 44 No Fresno, CA 93710
$42 $500 ROOT 24 No Fresno, CA 93711
$42 $501 Geico 41 No Fresno, CA 93705
$42 $502 Aspire Advantage 41 No Fresno, CA 93720
$42 $503 Aspire Advantage 48 No Fresno, CA 93727
Last Updated Oct. 15, 2025

More: What is an at-fault accident?

Cheapest car insurance for drivers with speeding tickets in Fresno

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
Speeding under 15 $37 $443 Aspire Advantage 41 08/07/25 Fresno, CA 93720
Speeding under 15 $46 $558 Geico 52 07/28/25 Fresno, CA 93703
Speeding under 15 $52 $627 Aspire Advantage 49 08/13/25 Fresno, CA 93701
Speeding under 15 $57 $679 National General 29 06/16/25 Fresno, CA 93727
Speeding under 15 $57 $683 National General 30 09/11/25 Fresno, CA 93710
$42 $500 Mercury 44 07/14/25 Fresno, CA 93710
$42 $500 ROOT 24 07/09/25 Fresno, CA 93711
$42 $501 Geico 41 08/08/25 Fresno, CA 93705
$42 $502 Aspire Advantage 41 08/04/25 Fresno, CA 93720
$42 $503 Aspire Advantage 48 08/03/25 Fresno, CA 93727
Last Updated Oct. 14, 2025

Cheapest car insurance for drivers with DUIs in Fresno

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
DUI $69 $830 National General 44 06/29/25 Fresno, CA 93701
DUI $71 $848 Bristol West 75 04/30/25 Fresno, CA 93711
DUI $74 $888 ROOT 32 06/02/25 Fresno, CA 93711
DUI $79 $946 Dairyland 34 07/03/25 Fresno, CA 93704
DUI $102 $1,226 National General 35 09/10/25 Fresno, CA 93727
$42 $500 Mercury 44 07/14/25 Fresno, CA 93710
$42 $500 ROOT 24 07/09/25 Fresno, CA 93711
$42 $501 Geico 41 08/08/25 Fresno, CA 93705
$42 $502 Aspire Advantage 41 08/04/25 Fresno, CA 93720
$42 $503 Aspire Advantage 48 08/03/25 Fresno, CA 93727
Last Updated Oct. 14, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.

meet-experts-thumbnail
Kevin Berry

Kevin Berry is the Senior Director of Content at Jerry and has been working in the digital content space since 2011 across the car insurance/repair, personal finance, travel and sports industries. Prior to Jerry, Kevin was a content team lead at NerdWallet overseeing the Multimedia Production and Travel Rewards teams. Previously, he worked for NBC Sports, Comcast Cable and Nike. He has a Master`s Degree from Arkansas State and a Bachelor`s from Oregon State University.

meet-experts-thumbnail
Annie Millerbernd

Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.

Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.

Over the past 12 months, 25% of drivers who switched with Jerry paid $89 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.

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