Auto Insurance Fresno, California

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Car Insurance Fresno

Whether you’re commuting through the Tower District’s bustling streets or exploring the scenic routes near the San Joaquin River, Mercury offers specialized car insurance policies tailored to Fresno’s conditions. With local expertise, competitive rates, and a 24/7 claims process, Mercury ensures you’re well-protected wherever your journey takes you. Plus, Californians save an average of $1,008 with Mercury Insurance¹, making it a smart choice for drivers looking for reliable and affordable coverage.

¹Savings info based on the 2024 CA Department of Insurance rate comparison. Individual savings may vary.

Why Choose Mercury?

Dedicated local agents: Our local agents are part of the Fresno community and are available to offer personalized service and guidance. They can help you evaluate your insurance needs, make informed coverage decisions, and find all possible savings.
Affordable rates: Mercury offers competitive pricing along with a range of discounts that can benefit safe drivers, young drivers in school, or drivers bundling multiple insurance policies.
24/7 claims process: When you get into an accident, you can file a claim via phone or online any time of day so you can get back on the road quickly.

Sad woman talking on cell phone near wrecked car

Is Auto Insurance Mandatory in Fresno?

In Fresno, auto insurance is mandatory for all drivers. The state law requires that all drivers carry a minimum level of liability insurance to legally operate a vehicle.

Legal Requirements to Drive in Fresno

The minimum liability insurance coverage required in California includes:

Bodily injury liability: $15,000 per person and $30,000 per accident.
Property damage liability: $5,000 per accident.

These coverages are intended to pay for injuries and damages you may cause to others in an accident. Proof of insurance must be presented when registering a vehicle, during a traffic stop, or after an accident. Driving without insurance can result in fines, suspension of your driver’s license, and impoundment of your vehicle.

Optional Coverages in Fresno

While California mandates minimum liability insurance, several optional coverages are available to help you get additional protection and peace of mind. These optional coverages include:

Collision coverage: Pays for damage to your vehicle resulting from a collision with another car or object, regardless of fault.
Comprehensive coverage: Covers damage to your vehicle caused by non-collision events such as theft, vandalism, fire, or natural disasters.
Uninsured/underinsured motorist coverage: Protects you if you’re involved in an accident with a driver with little or no insurance.
Medical payments coverage: Helps cover medical expenses for you and your passengers after an accident, regardless of fault.

What Does Fresno Auto Insurance Not Cover?

While we offer comprehensive coverage options, it’s important to understand what’s typically not covered by standard auto insurance policies. Knowing these exclusions can help you make informed decisions about additional coverage or other steps to protect yourself. These exclusions include:

Intentional damage: You won’t be covered for any damage you cause intentionally to your vehicle.
Wear and tear: Your policy won’t cover normal wear and tear from everyday use or mechanical or electrical breakdowns. You’re responsible for regular maintenance issues like brake wear, tire replacement, and engine failures.
Business use: If you use your vehicle for business purposes, such as delivery services or ridesharing, you won’t be covered for accidents or damage. Consider business auto insurance to get coverage.
Personal belongings: Items inside your car that aren’t part of the vehicle itself, like electronics, clothing, or other personal belongings, aren’t covered. Consider homeowners or renters insurance to protect these items.

How to Get Car Insurance in Fresno

Finding the right car insurance in Fresno has never been easier with Mercury. Whether you're looking for affordable basic coverage to meet California’s legal requirements or a full coverage car insurance for added protection, our experienced local agents are ready to help.

Reach out to a Fresno insurance agent today or call us at (877) 292-9762.

Portrait of woman enjoying road trip in open top classic car

Bixby Bridge along Route 1 on the coast of California

Get Cheap Auto Insurance in Fresno from Mercury

Mercury offers some of the cheapest auto insurance rates in Fresno, helping you save money while ensuring you have the coverage you need. In fact, Californians save an average of $1,008 with Mercury¹. Plus, you can save even more with discounts and bundling options.

Save More with Discounts

Mercury offers a variety of discounts to help you save on your auto insurance in Fresno. You can take advantage of discounts for being a good driver, having multiple vehicles, maintaining good grades if you’re a student, and more. These discounts can significantly reduce your premium, making your auto insurance more affordable while still providing the coverage you need.

Bundling with Mercury

Looking for even bigger savings? Bundling your auto insurance with home or renters insurance can help you save up to 17.9% on your homeowners policy and up to 14.5% on your auto policy. Along with savings, bundling also simplifies your insurance management by keeping everything in one place.

Fresno home insurance: Protect your home and its contents against damage from fire, theft, natural disasters, and more. You’ll also get liability insurance if someone gets injured on your property and additional living expenses if you temporarily need to relocate due to a covered loss.
Fresno renters insurance: When the unexpected happens, renters insurance helps safeguard your personal belongings, provides liability insurance, and offers additional living expenses following a covered loss.

Top Rated Auto Insurance in Fresno

Mercury Insurance has been a trusted provider for Los Angeles drivers for decades, offering affordable rates, comprehensive coverage, and exceptional customer service. With a strong reputation for trustworthiness and customer satisfaction, Mercury continues to be a top choice for LA drivers looking for reliable auto insurance.

Since 1962, millions of drivers have trusted Mercury to protect their vehicles with quality and affordable coverage. Read about their experiences and see why Fresno drivers choose us for their auto insurance.