Average cost of condo insurance in Fresno
The average cost of condo insurance (HO-6) in Fresno is $611 per year, which is $51 per month, for a coverage level of $40,000 for personal property and liability protection of $100,000 with a $1,000 deductible.
However, the cost of condo insurance can vary depending on where you live in the city, the insurance company, and the coverage limits you choose. The highest average rate in Fresno is $1,043, which is $672 more than the lowest average rate of $371.
| Average annual cost | $611 |
| Average per month cost | $51 |
| Highest average rate | $1,043 |
| Lowest average rate | $371 |
Cheapest condo insurance in Fresno
The cheapest condo insurance company in Fresno is Travelers at an average annual rate of $412. The second-cheapest option is Allstate with an average yearly rate of $530.
Of course, these rates are averages, so it's important to shop around and compare rates for your needs.
| Company | Average annual premium | Average monthly premium |
|---|---|---|
| Travelers | $412 | $34 |
| Allstate | $530 | $44 |
| State Farm | $531 | $44 |
| Auto Club Enterprises (AAA) | $563 | $47 |
| Mercury Insurance | $602 | $50 |
| Farmers | $699 | $58 |
| Nationwide | $764 | $64 |
| USAA | $635 | $53 |
Condo insurance cost in Fresno compared with the state average
The average cost of condo insurance in Fresno is $611 per year. That is $39 less than the state average of $650.
| City average cost | $611 |
| State average cost | $650 |
Condo insurance cost in Fresno by coverage level
Several factors affect your HO-6 condo insurance. One key factor is your location, and another is the amount of personal property coverage you choose. The higher your coverage limit, the higher the condo insurance cost.
For example, the average annual cost for $40,000 in personal property coverage is $611, or about $51 per month.
Condo insurance rates in Fresno with $100,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $100,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $611 | $51 |
| $60,000 | $701 | $58 |
| $80,000 | $778 | $65 |
| $100,000 | $855 | $71 |
Condo insurance cost in Fresno with $300,000 liability
The following table shows the cost of condo insurance for four coverage levels with a liability limit of $300,000 and $1,000 deductible.
| Coverage | Average annual rate | Average per month rate |
|---|---|---|
| $40,000 | $629 | $52 |
| $60,000 | $720 | $60 |
| $80,000 | $798 | $66 |
| $100,000 | $876 | $73 |
Methodology
Insurance.com compared condo insurance rates provided by Quadrant Information Services from 2023 for around 29,000 cities in all states and Washington D.C for multiple coverage levels. The content has been updated for 2025.
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