In Clovis, GEICO offers the cheapest minimum coverage, while National General provides the most affordable full coverage. For families with teens, Travelers is the least expensive. The best customer service comes from Chubb, though Capital Insurance Group leads as the best overall for value between price and service. Your ideal insurer may differ based on preferences and coverage needs.
Cheapest and Best Car Insurance in Clovis, CA (2024)
Updated: December 19, 2024
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Key Takeaways
In Clovis, GEICO offers the most cost-effective minimum coverage car insurance at $420 annually, while Chubb provides the most expensive option at $760, highlighting potential savings of $340 by comparing different providers.
In Clovis, California, the most significant savings potential for full coverage car insurance is underscored by the $843 difference between National General's lowest premium of $907 and Chubb's highest at $1,750 per year, highlighting the vital importance of comparing rates to avoid overpaying for car insurance.
In Clovis, military drivers seeking the most affordable full coverage car insurance can find the best rates with National General at $907 per year, offering significant savings compared to other providers like Progressive and USAA, making it crucial to compare premiums to ensure the best deal.
Why Trust MoneyGeek? We analyzed 352,910 quotes in California, including the city of Clovis, from 18 companies. We used six sources and original research to rate the cheapest companies and develop a scoring system for Clovis insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Clovis, CA, as of June 2024.
352,910 Quotes Analyzed
18Companies Compared
Cheapest Minimum Coverage Car Insurance in Clovis
MoneyGeek found that GEICO is the cheapest option in Clovis for minimum coverage car insurance. Those seeking the cheapest car insurance can find significant savings by comparing rates.
- GEICO: $420 per year
- CSAA: $451 per year
While GEICO offers the most affordable policy, Chubb presents the most expensive option at $760 annually. The difference of $340 underscores the importance of shopping around to ensure you are not overpaying for your car insurance.
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Age Group:30-59
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Coverage:Minimum Coverage
| GEICO | $420 | $35 |
| CSAA | $451 | $38 |
| Progressive | $452 | $38 |
| State Farm | $455 | $38 |
| Mercury | $460 | $38 |
| Farmers | $491 | $41 |
| National General | $503 | $42 |
| Travelers | $516 | $43 |
| Kemper | $541 | $45 |
| Nationwide | $593 | $49 |
| State National | $622 | $52 |
| Capital Insurance Group | $641 | $53 |
| Hartford | $665 | $55 |
| Allstate | $677 | $56 |
| Chubb | $760 | $63 |
State Minimum Liability Requirements
Across all cities in California, including Clovis, your car insurance coverage minimums are set by state law. These are the baseline requirements to legally operate a vehicle:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage liability per accident
For example, if you're at fault in an accident, your minimum coverage policy would cover up to $15,000 for injuries to one person, and a total of $30,000 for injuries to multiple people, regardless of the number of individuals hurt. If the actual costs exceed these limits, you would be responsible for paying the difference out of pocket.
Cheapest Full Coverage Car Insurance in Clovis
MoneyGeek found that National General is the cheapest option in Clovis for cheapest full coverage car insurance. Here are the two most affordable providers:
- National General: $907 per year
- Progressive: $990 per year
Chubb has the most expensive full coverage policy in Clovis, with an annual premium that's $843 more than National General. This stark difference highlights why it's crucial to compare rates for full coverage car insurance, which tends to cost more due to the comprehensive and collision coverage included.
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Age Group:30-59
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Coverage:Full Coverage
| National General | $907 | $76 |
| Progressive | $990 | $82 |
| GEICO | $1,113 | $93 |
| State Farm | $1,151 | $96 |
| Mercury | $1,166 | $97 |
| Allstate | $1,260 | $105 |
| Kemper | $1,299 | $108 |
| Capital Insurance Group | $1,302 | $109 |
| Nationwide | $1,306 | $109 |
| CSAA | $1,322 | $110 |
| State National | $1,388 | $116 |
| Travelers | $1,389 | $116 |
| Hartford | $1,422 | $119 |
| Farmers | $1,693 | $141 |
| Chubb | $1,750 | $146 |
Do You Need Full Coverage in Clovis
At MoneyGeek, the exemplary Clovis full coverage insurance plan expands the boundaries of liability coverage, elevating them to $100,000 for each individual's bodily injuries, $300,000 total for bodily injuries per incident, and $100,000 for property damage per incident. This level of protection is often referred to as a 100/300/100 policy.
Full coverage policies not only enhance liability limits but also include comprehensive and collision insurance.
Collision Insurance: This insurance takes care of the costs to repair or replace your vehicle in the event of a collision with another car or an object.
Comprehensive Insurance: This covers the expenses for repairing or replacing your vehicle due to non-collision incidents, such as theft or natural disasters.
If you have a brand-new vehicle, acquiring full coverage insurance is highly advisable to protect your investment. On the other hand, for those with older models, the additional expense for more protection may outweigh the benefits. It's essential to carefully assess how much car insurance you need, taking into account that more coverage results in higher premiums, while less coverage could leave you inadequately insured. You can make a more informed decision you must consider how much car insurance you need.
Cheapest Car Insurance in Clovis After a Driving Offense
MoneyGeek found that National General offers the most competitive rates for Clovis drivers with traffic violations, proving to be the cheapest company for drivers with a poor driving record. Pricing varies significantly based on the specific offense, as illustrated below:
- Speeding Ticket: National General ($951 per year)
- At-fault accident: National General ($1,339 per year)
- DUI: National General ($951 per year)
Conversely, some companies have significantly higher rates for these incidents. For instance, Hartford's annual premium after a DUI is $5,285. This underscores the importance of shopping around for auto insurance, particularly after serious infractions, as the difference between the cheapest and most expensive rates after a DUI can exceed $4,000 per year.
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Age Group:30-59
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Coverage:Full Coverage
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Incident:Speeding
| National General | $951 | $79 |
| Capital Insurance Group | $1,489 | $124 |
| Mercury | $1,536 | $128 |
| GEICO | $1,655 | $138 |
| CSAA | $1,667 | $139 |
| State Farm | $1,709 | $142 |
| Kemper | $1,724 | $144 |
| Allstate | $1,826 | $152 |
| Progressive | $1,863 | $155 |
| State National | $1,973 | $164 |
| Travelers | $2,090 | $174 |
| Hartford | $2,142 | $179 |
| Nationwide | $2,255 | $188 |
| Chubb | $2,293 | $191 |
| Farmers | $2,343 | $195 |
Insurance premiums in Clovis and similar locations typically increase with the severity of a driving infraction because insurers view serious offenses as indicators of higher risk. For example, drivers with a speeding ticket might see their annual rates climb to approximately $1,834, while those with a DUI infraction face a steeper increase to an average of $3,156. This shows the importance for individuals with driving offenses to diligently compare insurance quotes.
Cheapest Car Insurance in Clovis for Teens and Their Families
MoneyGeek found that State Farm offers the most affordable full coverage car insurance in Clovis for both female and male teens. Finding the cheapest car insurance for teens is crucial, as these drivers often face higher premiums due to their risk status.
- State Farm: $2,536 per year for female teens and $2,536 per year for male teens
- Farmers: $2,692 per year for female teens and $2,692 per year for male teens
These rates reflect a policy covering a combination of two parents and a teen driver. In Clovis, Nationwide has the most expensive policy for families with teen drivers, with an annual premium of $4,713 for females. The difference between the cheapest and most expensive options can reach over $2,177 annually for a family with a female teen.
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Age:16
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Gender:Female
| State Farm | $2,536 | $2,808 |
| Farmers | $2,692 | $3,968 |
| GEICO | $2,858 | $3,227 |
| Allstate | $3,060 | $3,297 |
| Capital Insurance Group | $3,162 | $3,087 |
| Progressive | $3,220 | $3,538 |
| Travelers | $3,439 | $3,110 |
| Kemper | $4,015 | $5,361 |
| Nationwide | $4,713 | $6,691 |
In Clovis, there is a difference between the cost of teen car insurance premiums when comparing individual policies to family plans. On average, a teen purchasing an independent policy faces an annual premium of approximately $3,962, while joining a family plan can reduce this expense to about $3,317. This is due to insurers viewing teens as high-risk drivers, and thus, they often charge higher premiums.
Cheapest Car Insurance in Clovis for Military Drivers
MoneyGeek found that National General is the cheapest option for those with military backgrounds seeking full coverage car insurance in Clovis.
- National General: $907 per year
- Progressive: $990 per year
Although USAA is not the cheapest on this list, with an annual premium of $1,200, it's noteworthy for providing services that specifically cater to the needs of active-duty military members. Consider USAA for personalized military benefits alongside your insurance policy.
Data filtered by:Results filtered by:
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Age Group:30-59
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Coverage:Full Coverage
| National General | $907 | $76 |
| Progressive | $990 | $82 |
| GEICO | $1,113 | $93 |
| State Farm | $1,151 | $96 |
| Mercury | $1,166 | $97 |
| USAA | $1,200 | $100 |
| Allstate | $1,260 | $105 |
| Kemper | $1,299 | $108 |
| Capital Insurance Group | $1,302 | $109 |
| Nationwide | $1,306 | $109 |
| CSAA | $1,322 | $110 |
| State National | $1,388 | $116 |
| Travelers | $1,389 | $116 |
| Hartford | $1,422 | $119 |
| Farmers | $1,693 | $141 |
| Chubb | $1,750 | $146 |
How to Compare Cheap Clovis Car Insurance Quotes Online
In Clovis, smart consumers know that comparing car insurance rates can lead to savings. To expedite this process, MoneyGeek's car insurance calculator allows you to enter key details such as age, driving record and credit score to receive tailored rate estimates.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
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Rates updated:
Dec 21, 2024
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Best Car Insurance in Clovis: Overview
Finding the right auto insurance for you hinges on what you prioritize—be it service quality, cost, coverage or other factors. MoneyGeek's research gives Clovis’s leading car insurance providers:
- Best overall: Capital Insurance Group (MoneyGeek score 79 out of 100)
- Best for service: Chubb (MoneyGeek score 94 out of 100)
- Best cheap: Mercury (MoneyGeek score 79 out of 100)
Capital Insurance Group offers a balanced blend of service and affordability, Chubb is unparalleled for those seeking premium service regardless of cost, and Mercury presents a budget-friendly option without significantly compromising on service quality.
Overall Best Car Insurance in Clovis
MoneyGeek found that Capital Insurance Group offers the best car insurance in Clovis with the top score of the region. Here's a snapshot of the leading providers in Clovis based on MoneyGeek's comprehensive scoring:
- Capital Insurance Group: MoneyGeek score of 79 out of 100 ($1,302 per year)
- Chubb: MoneyGeek score of 76 out of 100 ($1,750 per year)
Capital Insurance Group distinguishes itself as the top insurer in Clovis, displaying strong performance that contributes to its MoneyGeek score, particularly in satisfaction and affordability. The score exemplifies their quality offering for full coverage policies, justifying their position as a leader in the auto insurance market in Clovis.
Best OverallCapital Insurance Group
MoneyGeek Score:
79/ of 100
Overview
Capital Insurance Group excels in non-claims customer satisfaction and claims handling, with both contributing significantly to its top MoneyGeek score. While the company provides common coverages like rental car and/or travel reimbursement and roadside assistance, it does not offer full glass coverage. Capital Insurance Group offers custom parts coverage — a reasonably common coverage that ensures your high-quality auto parts will be replaced with name-brand items.
Best Car Insurance in Clovis for Customer Service
MoneyGeek found that Chubb offers the best car insurance for customer service in Clovis. This distinction is based on an overall assessment of customer satisfaction, claims handling and breadth of coverages, regardless of rates.
- Chubb: MoneyGeek score of 94 out of 100 ($1,750 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,302 per year)
Chubb distinguishes itself as the top provider primarily due to its superior claims handling and coverage options.
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100
Overview
Chubb has high satisfaction (43 out of 45) and claims (30 out of 30) scores and offers common coverages such as rental car and/or travel reimbursement and roadside assistance. The absence of rideshare insurance might be a slight drawback for some customers. Chubb also offers original equipment manufacturer (OEM) coverage. This coverage assures the use of original parts during repairs, maintaining vehicle integrity and value. Additionally, Chubb has specialized offerings like antique/classic car Insurance and diminished value coverage, addressing the unique needs of certain drivers.
Best Cheap Car Insurance Companies in Clovis
MoneyGeek found that Mercury is the best option in Clovis for consumers seeking affordable car insurance without sacrificing quality service.
- Mercury: MoneyGeek score of 79 out of 100 ($460 per year)
- State Farm: MoneyGeek score of 78 out of 100 ($455 per year)
Mercury is the leading provider not just for its competitive annual premium but also for its high rating in customer service and claims processing, which are important considerations for a minimum coverage policy.
Best Cheap CompanyMercury
MoneyGeek Score:
79/ of 100
Overview
Mercury excels predominantly due to its impressive affordability score. With an average annual premium of just $460, the average driver saves on minimum coverage. Drivers can further reduce their expenses through discounts like an anti-theft system and automatic payment. The anti-theft system discount rewards drivers for enhancing vehicle security, The automatic payment option simplifies the payment process and can lead to further discounts,
Mercury offers discounts like bundling, multiple car and safe driving. It does not provide the good student discount. Mercury's affordability is noteworthy, with a score of 37 (out of 40). This score, coupled with decent satisfaction (21 out of 25) and coverage (8 out of 10) scores, positions Mercury as a competitive choice for consumers.
Average Cost of Car Insurance in Clovis
In the city of Clovis, California, the average cost of car insurance is $1,305. This is lower than California's average cost, which is $1,457. California's average is significantly lower than the national average cost for car insurance, which is $1,720. The difference in costs highlights how location can impact what drivers pay for car insurance premiums.
Insurance companies consider the frequency of accidents, theft, and claims within an area, along with environmental factors that could affect driving safety. For instance, Santa Maria has the cheapest car insurance premium in California at $1,168, while Glendale holds the record for the most expensive at $2,260. Drivers in less densely populated areas might secure even lower rates due to decreased traffic density. MoneyGeek's analysis, although primarily focused on city areas, suggests that significant savings can often be found beyond urban centers.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.