Car Insurance in Fresno, CA

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Mercury Car Insurance in 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 unique conditions. With local expertise, competitive rates, and a 24/7 claims process, Mercury ensures you are well-protected wherever your journey takes you.

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.

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. 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

Another great way to save is by bundling your auto insurance with other policies from Mercury. By combining your auto insurance with home or renters insurance, you can receive additional discounts and simplify your insurance management.

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.

Bixby Bridge along Route 1 on the coast of California

Fresno Car Insurance FAQ

Who has the cheapest auto insurance in Fresno?

When it comes to finding affordable auto insurance in Fresno, Mercury consistently stands out as a top choice for drivers. We pride ourselves on offering some of the most competitive rates in the area, without sacrificing the quality of coverage or service. Get a quote today and see how much you can save with us.

How much is the car insurance in Fresno, California?

According to Value Penguin, the average cost of car insurance in Fresno is $624 per year for minimum coverage.

What is considered full coverage for car insurance in California?

Generally, full coverage goes beyond the state’s minimum requirements by including coverages such as collision coverage, comprehensive, uninsured/underinsured motorist, and medical payments coverage.

What is the new law for car insurance in California?

Starting January 1, 2025, California will increase its minimum liability coverage requirements for auto insurance. The new minimum liability coverage amounts that will take effect in 2025 are:

$30,000 for bodily injury or death per person (up from $15,000)
$60,000 for bodily injury or death per accident (up from $30,000)
$15,000 for property damage per accident (up from $5,000)

What products does Mercury offer in Fresno?

Mercury offers the following products to Fresno residents: