Fresno is California's fifth-largest city and the agricultural heart of the San Joaquin Valley, home to approximately 545,000 residents. As one of California's more affordable inland cities, Fresno offers some of the state's lower auto insurance rates — though the city's high uninsured motorist rate is an important consideration.
In 2026, the average Fresno driver pays approximately $1,700 per year for full coverage and around $510 per year for liability-only coverage.
Average Auto Insurance Rates in Fresno by ZIP Code (2026)
| ZIP Code | Area | Full Coverage / Year | Liability Only / Year |
|---|---|---|---|
| 93701 | Downtown Fresno | $1,950 | $585 |
| 93720 | North Fresno | $1,550 | $465 |
| 93726 | Central Fresno | $1,800 | $540 |
| 93711 | Northwest Fresno | $1,600 | $480 |
| 93706 | West Fresno | $2,000 | $600 |
Uninsured Motorist Coverage in Fresno
Fresno has one of California's higher rates of uninsured drivers. Adding uninsured motorist (UM/UIM) coverage to your policy is strongly recommended — it protects you if you're hit by a driver with no insurance or insufficient coverage.
Get Your Free Fresno Auto Insurance Quote
Sewell Insurance Agency serves all of Fresno County and the Central Valley. Our bilingual brokers will find you the best rate for your Fresno address.