For a 40-year-old driver with a clean record, Fresno car insurance averages about $305 a month ($3,659 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 8% below the California average of $332 a month. GEICO has the lowest full-coverage average of the five major insurers we compared (Allstate, CSAA, Farmers, GEICO and State Farm), at about $188 a month.
Fresno, the Fresno County seat and the biggest city in the San Joaquin Valley, costs about $27 a month less than the California average for our benchmark driver. Of the 12 California cities with nine or more ZIP codes in our data, only San Diego and San Jose cost less, and Berkeley is priced about the same.
Our data covers 18 ZIP codes with a Fresno mailing address, from about $282 a month in 93730, in north Fresno, to $330 in 93721, which includes downtown.
Cost data comes from the auto rates insurers file with state regulators, priced across all 18 Fresno ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
Full coverage in Fresno averages $3,659 a year, or about $305 a month, for our benchmark driver. Liability-only coverage at 15/30/5 limits averages $1,330 a year ($111 a month), and 50/100/50 liability with comprehensive and collision averages $3,414 ($285 a month).
GEICO has the lowest full-coverage average among the five insurers in our Fresno rate data. Statewide, five of the eight published 2026 California rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, which sells only to military families, and a sixth ties GEICO with Progressive. For liability-only coverage at 15/30/5 limits, GEICO has the lowest average among these five insurers, at about $53 a month, with CSAA close behind at $55.
Full-coverage averages by insurer in Fresno
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| GEICO | $636 | $53 | $2,260 | $188 |
| CSAA (AAA Northern California) | $662 | $55 | $2,757 | $230 |
| State Farm | $1,542 | $129 | $3,725 | $310 |
| Allstate | $1,891 | $158 | $4,523 | $377 |
| Farmers | $1,916 | $160 | $5,030 | $419 |
| USAA (military families)* | $980 | $82 | $2,433 | $203 |
| Mercury Insurance* | $1,196 | $100 | $2,789 | $232 |
| Progressive* | $1,067 | $89 | $2,856 | $238 |
| Travelers* | $1,736 | $145 | $3,798 | $317 |
| Nationwide* | $1,619 | $135 | $3,942 | $329 |
| Fresno average | $1,330 | $111 | $3,659 | $305 |
This table uses Fresno ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Across the 18 Fresno ZIP codes we price, full coverage for our driver ranges from about $282 a month in 93730 to $330 in 93721, a gap of $581 a year. North Fresno ZIP codes cost the least in our data: 93730 and 93720 average about $282 and $287 a month. The most expensive Fresno ZIP codes in our data are in central Fresno: 93721, which includes downtown, at $330, and 93701, next to it, at $329.
Lowest-priced Fresno ZIP codes
Highest-priced Fresno ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Fresno’s average.
| ZIP Code: | Liability Only 15/30/5 (Yearly): | Liability Only 15/30/5 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 93701 | $1,436 | $120 | $3,944 | $329 | +8% |
| 93702 | $1,362 | $114 | $3,786 | $316 | +4% |
| 93703 | $1,379 | $115 | $3,798 | $317 | +4% |
| 93704 | $1,280 | $107 | $3,468 | $289 | -5% |
| 93705 | $1,359 | $113 | $3,712 | $309 | +1% |
| 93706 | $1,308 | $109 | $3,801 | $317 | +4% |
| 93710 | $1,388 | $116 | $3,609 | $301 | -1% |
| 93711 | $1,309 | $109 | $3,525 | $294 | -4% |
| 93720 | $1,300 | $108 | $3,443 | $287 | -6% |
| 93721 | $1,455 | $121 | $3,960 | $330 | +8% |
| 93722 | $1,352 | $113 | $3,784 | $315 | +3% |
| 93723 | $1,272 | $106 | $3,617 | $301 | -1% |
| 93725 | $1,301 | $108 | $3,708 | $309 | +1% |
| 93726 | $1,275 | $106 | $3,578 | $298 | -2% |
| 93727 | $1,318 | $110 | $3,611 | $301 | -1% |
| 93728 | $1,298 | $108 | $3,599 | $300 | -2% |
| 93730 | $1,257 | $105 | $3,379 | $282 | -8% |
| 93737 | $1,284 | $107 | $3,541 | $295 | -3% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $245 a year on average in our Fresno data, with the same $500 deductibles. That’s about $20 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300.
For our benchmark driver, full coverage isn’t going up. Comparing the four insurers that are in both sets of rates, in the same Fresno ZIP codes, their full-coverage average fell from $3,437 a year nine months earlier to $3,316 in rates as of Aug. 31, 2026, a 3.5% drop. State Farm cut its Fresno average 11.4%, while Allstate’s, CSAA’s and GEICO’s averages were unchanged. Farmers is new in our rates over the past nine months, so it’s left out, which is why these averages differ from the Fresno average above. Liability-only coverage at 15/30/5 limits rose 7.1%, led by State Farm, which raised its liability-only average 25.4%.
Fresno County averages about $302 a month for full coverage, the 14th-most expensive of the 55 California counties we price. Clovis, about eight miles northeast, averages about $285 a month across its three ZIP codes and Sanger, about 13 miles east, $292, while Reedley, about 20 miles southeast, averages $315, the most of the 14 Fresno County cities and towns we price.
Within Fresno, full coverage varies by about $48 a month from one ZIP code to the next for the same driver and car. California insurers price by location as well as by driver and car, so your ZIP code can move your price.
More California cities and towns are in the California rates by city table, and you can compare states on our car insurance rates by state page.
Madera, about 22 miles northwest, averages $287 a month, and Hanford, about 30 miles south, $279. Visalia, about 40 miles southeast, averages $301, and Merced, about 55 miles northwest, $289.
Drivers in Fresno follow California’s rules. The minimum rose for policies issued or renewed on or after Jan. 1, 2025, and every policy must now carry at least:
Our California requirements guide covers uninsured motorist coverage, proof of insurance and the penalties for driving uninsured.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from California law and the California Department of Insurance. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Fresno averages about $305 a month ($3,659 a year) and liability-only coverage at 15/30/5 limits about $111 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 8% below the California average of $332 a month.
GEICO has the lowest full-coverage average in our Fresno rate data, at about $188 a month, followed by CSAA at $230 among insurers anyone can buy from. USAA*, which sells only to military families, is priced at about $203 a month from published rate studies. For liability-only coverage at 15/30/5 limits, GEICO has the lowest average in our Fresno data, at about $53 a month. Statewide, five of the eight published 2026 California rate studies we reviewed rank GEICO cheapest for full coverage, apart from USAA, and a sixth ties GEICO with Progressive. Rates vary by driver, so compare quotes for your own car and ZIP code.
For our benchmark driver, Fresno full coverage averages about $305 a month, about $20 more than Clovis, at $285. Across Fresno’s 18 ZIP codes, it runs from about $282 a month in 93730 to $330 in 93721.
In our data, 93730 has the lowest full-coverage average in Fresno, at about $282 a month, and 93721 the highest, at about $330. The ZIP code table on this page lists all 18.
In our Fresno data, full coverage (100/300/100 with $500 deductibles) averages about $305 a month and liability-only coverage at 15/30/5 limits, below California’s 30/60/15 minimum, about $111, a difference of about $194 a month ($2,329 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. California law doesn’t require full coverage, but a lender or leasing company may.
Not for full coverage, for our benchmark driver. Comparing the four insurers in both sets of rates (Farmers is new over the past nine months), their Fresno full-coverage average fell 3.5%, from about $3,437 to $3,316 a year. That’s lower than the Fresno average of $3,659 because it leaves out Farmers. State Farm cut its Fresno average 11.4%. Liability-only coverage at 15/30/5 limits rose 7.1%.
For our benchmark driver, full coverage in Fresno averages about $305 a month. Nearby, Madera–Chowchilla averages about $285, Hanford–Corcoran about $282 and Visalia–Porterville about $307. Madera–Chowchilla and Hanford–Corcoran are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
