It happened just before 5:30 on Saturday morning at Clovis and Central Avenues.
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Officers say a 22-year-old woman driving a Nissan Altima was heading southbound on Clovis Avenue, when her car collided head-on with a Toyota RAV 4, just south of Central.
Both vehicles overturned.
One of the cars caught fire.
The woman was pronounced dead at the scene.
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Investigators believe she wasn't wearing a seatbelt.
The driver of the Toyota, a 32-year-old man, suffered major injuries and was taken to CRMC.
Investigators are looking into whether drugs or alcohol were factors in the crash.