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
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
|
|---|
|
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 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote: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
|
|---|
|
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 |
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
|
|---|
|
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 |
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
|
|---|
|
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 |
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
|
|---|
|
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 |
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
|
|---|
|
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 |
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 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 |
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
|
|---|
|
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 |
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
|
|---|
|
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 |
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.
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.
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.
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.
