Cheap Car Insurance in Fresno

Written by Xuyun Zeng and 2 others
Updated Jul 23, 2025
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Cheap Car Insurance in Fresno

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You’re minutes away from insurance savings.

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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code

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
$71 $852 Mercury 51 March 31, 2025 Fresno, CA 93726
$71 $855 Aspire Advantage 49 July 22, 2025 Fresno, CA 93720
$73 $882 Mercury 59 February 7, 2025 Fresno, CA 93705
$74 $894 Mercury 42 June 21, 2025 Fresno, CA 93727
$75 $898 Aspire Advantage 54 February 24, 2025 Fresno, CA 93706
$78 $930 Aspire Advantage 41 April 27, 2025 Fresno, CA 93727
$79 $946 Progressive 42 July 11, 2025 Fresno, CA 93705
$81 $972 Progressive 64 April 5, 2025 Fresno, CA 93705
$82 $979 Aspire Advantage 46 February 3, 2025 Fresno, CA 93702
$82 $980 Mercury 63 February 2, 2025 Fresno, CA 93726
Last Updated Jul 24, 2025

Estimate car insurance costs

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
$46 $546 Aspire Advantage 29 No March 13, 2025 Fresno, CA 93710
$51 $608 Geico 27 No July 13, 2025 Fresno, CA 93722
$51 $608 Aspire Advantage 28 No May 5, 2025 Fresno, CA 93722
$52 $622 Progressive 26 No March 11, 2025 Fresno, CA 93725
$52 $626 ROOT 20 No June 23, 2025 Fresno, CA 93727
Last Updated Jul 24, 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
$32 $378 ROOT 36 No June 10, 2025 Fresno, CA 93704
$41 $496 Aspire Advantage 36 No April 2, 2025 Fresno, CA 93727
$42 $501 Aspire Advantage 33 No February 11, 2025 Fresno, CA 93730
$42 $501 Aspire Advantage 45 No February 2, 2025 Fresno, CA 93727
$42 $508 Mercury 40 No June 20, 2025 Fresno, CA 93722
Last Updated Jul 24, 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
$43 $513 National General 56 No June 22, 2025 Fresno, CA 93706
$43 $516 Mercury 55 No June 13, 2025 Fresno, CA 93710
$44 $529 National General 58 No July 20, 2025 Fresno, CA 93727
$46 $549 Aspire Advantage 56 No May 14, 2025 Fresno, CA 93722
$47 $564 Aspire Advantage 59 No April 10, 2025 Fresno, CA 93727
Last Updated Jul 24, 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
$32 $378 ROOT 36 June 10, 2025 No Fresno, CA 93704
$41 $496 Aspire Advantage 36 April 2, 2025 No Fresno, CA 93727
$42 $501 Aspire Advantage 45 February 2, 2025 No Fresno, CA 93727
$42 $501 Aspire Advantage 33 February 11, 2025 No Fresno, CA 93730
$42 $508 Mercury 40 June 20, 2025 No Fresno, CA 93722
$43 $513 National General 56 June 22, 2025 No Fresno, CA 93706
$43 $516 Mercury 55 June 13, 2025 No Fresno, CA 93710
$44 $529 National General 58 July 20, 2025 No Fresno, CA 93727
$46 $546 Aspire Advantage 29 March 13, 2025 No Fresno, CA 93710
$46 $548 Aspire Advantage 51 February 9, 2025 No Fresno, CA 93706
Last Updated Jul 24, 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 $545 National General 40 May 21, 2025 Fresno, CA 93703
<550 $47 $568 Aspire Advantage 50 September 21, 2024 Fresno, CA 93726
<550 $49 $584 Aspire Advantage 27 June 20, 2024 Fresno, CA 93722
<550 $49 $593 National General 40 March 7, 2025 Fresno, CA 93727
<550 $52 $627 National General 56 April 10, 2025 Fresno, CA 93705
Last Updated Jul 24, 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 No Injury $47 $568 Aspire Advantage 31 No August 1, 2024 Fresno, CA 93710
At Fault With No Injury $54 $651 Aspire Advantage 46 No August 18, 2024 Fresno, CA 93722
At Fault With No Injury $59 $705 Dairyland 62 No September 24, 2024 Fresno, CA 93727
At Fault With Injury $59 $714 Progressive 46 No April 26, 2025 Fresno, CA 93727
At Fault With No Injury $60 $716 Aspire Advantage 34 No April 2, 2025 Fresno, CA 93722
Last Updated Jul 24, 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 Policy
City, State
ZIP Code
Speeding under 15 $49 $593 Aspire Advantage 44 September 5, 2024 Fresno, CA 93722
Speeding under 15 $53 $636 National General 38 June 4, 2025 Fresno, CA 93704
Speeding over 15 $54 $645 Aspire Advantage 34 July 2, 2024 Fresno, CA 93704
Speeding over 15 $54 $648 National General 40 March 29, 2025 Fresno, CA 93726
Speeding under 15 $54 $653 National General 30 February 21, 2025 Fresno, CA 93711
Last Updated Jul 24, 2025

Cheapest car insurance for drivers with DUIs in Fresno

Violation Summary
Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
DUI $53 $638 Aspire Advantage 38 September 26, 2024 Fresno, CA 93710
DUI $54 $643 Aspire Advantage 35 May 23, 2025 Fresno, CA 93720
DUI $54 $644 Aspire Advantage 43 July 1, 2024 Fresno, CA 93720
DUI $54 $654 Aspire Advantage 36 October 26, 2024 Fresno, CA 93710
DUI $64 $763 National General 29 February 4, 2025 Fresno, CA 93737
Last Updated Jul 24, 2025

More: What is a DUI?

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
meet-experts-thumbnail
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 $85 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.