Cheapest and Best Car Insurance Companies in Fremont, CA


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ByMark Fitzpatrick
Edited byAshley Jacobs
ByMark Fitzpatrick
Edited byAshley Jacobs

Updated: May 20, 2024

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The cheapest company for you may be the one that best suits your driving profile and needs. The cheapest insurer for a full coverage policy is National General. It’s also the most affordable for drivers with an offense. Teens can save the most with State Farm, while military members can cut costs with USAA. If you’re keen on customer service, Chubb is a solid choice.

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2024

Cheapest and Best Car Insurance in Fremont, CA

Why Trust MoneyGeek? Fremont car insurance rates in this study were calculated using data and information from the California Department of Insurance and analysis from Quadrant Information Services.

352,910Quotes Analyzed
 
18Companies Compared

Cheapest Minimum Liability Car Insurance in Fremont

These insurers are the most affordable when it comes to minimum coverage policies in Fremont:

  • GEICO: $370 per year
  • CSAA: $412 per year

Chubb's annual cost of around $731 is the most expensive option, but your location could have a big impact on prices.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
GEICOAnnual Premium$370Monthly Premium$31
CSAAAnnual Premium$412Monthly Premium$34
ProgressiveAnnual Premium$424Monthly Premium$35
State FarmAnnual Premium$451Monthly Premium$38
MercuryAnnual Premium$480Monthly Premium$40
KemperAnnual Premium$505Monthly Premium$42
TravelersAnnual Premium$523Monthly Premium$44
National GeneralAnnual Premium$529Monthly Premium$44

Minimum coverage for bodily injury liability and property damage liability is required by California law, with the following amounts:

  • $15,000 bodily injury liability per person
  • $30,000 bodily injury liability per accident
  • $5,000 property damage liability per accident

If you have these limits on your policy and cause an accident that injures the other driver (and their passengers, if any), your policy will cover up to $15,000 per person injured and a maximum of $30,000 per accident. In addition, it will pay up to $5,000 for property damage. You will be responsible for any costs beyond those amounts.

Cheapest Full Coverage Car Insurance in Fremont

In Fremont, the following insurers provide full coverage vehicle insurance at the most affordable prices:

  • National General: $935 per year
  • Progressive: $954 per year

Chubb charges $1,801 a year for full coverage, making it the most expensive option.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
National GeneralAnnual Premium$935Monthly Premium$78
ProgressiveAnnual Premium$954Monthly Premium$79
GEICOAnnual Premium$996Monthly Premium$83
State FarmAnnual Premium$1,112Monthly Premium$93
AllstateAnnual Premium$1,119Monthly Premium$93
CSAAAnnual Premium$1,212Monthly Premium$101
MercuryAnnual Premium$1,214Monthly Premium$101
Capital Insurance GroupAnnual Premium$1,335Monthly Premium$111

A full coverage policy elevates liability-only insurance's maximums and includes comprehensive and collision coverage.

  • Collision Insurance: This covers damage to your car if it collides with another vehicle or object.
  • Comprehensive Insurance: This covers damage to your car caused by a variety of non-collision events, such as fires, vandalism, thefts and windstorms.

Some people opt for liability-only coverage on their older cars to avoid paying hundreds of dollars more yearly for a vehicle with little value.

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Cheapest Car Insurance in Fremont After a Driving Offense

The following car insurance companies have the lowest rates for drivers with a history of driving violations in Fremont:

  • Speeding ticket: National General ($980 per year)
  • At-fault accident: National General ($1,383 per year)
  • DUI: National General ($980 per year)

Nationwide ($2,561), Kemper ($2,951) and The Hartford ($5,294) tend to have the highest annual rates after a speeding ticket, accident or DUI, respectively. The cost of car insurance may increase dramatically after an offense, even with the cheapest car insurance company.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
National GeneralAnnual Premium$980Monthly Premium$82
GEICOAnnual Premium$1,489Monthly Premium$124
Capital Insurance GroupAnnual Premium$1,528Monthly Premium$127
CSAAAnnual Premium$1,532Monthly Premium$128
MercuryAnnual Premium$1,600Monthly Premium$133
AllstateAnnual Premium$1,624Monthly Premium$135
State FarmAnnual Premium$1,650Monthly Premium$138
KemperAnnual Premium$1,781Monthly Premium$148

The severity of your driving offense typically affects your premiums. More severe offenses will usually result in higher costs than minor ones. In Fremont, a driver with a speeding ticket may see their rates increase by around $570, while a driver with a DUI could see their premiums increase by roughly $1,936. Nevertheless, there are ways to find affordable car insurance, even with a bad driving history.

Cheapest Car Insurance in Fremont for Teens and Their Families

The following teen car insurance companies offer the best rates for teens who are part of a family policy in Fremont:

  • State Farm: $2,547 per year for both male and female teens
  • Farmers: $2,792 per year for both male and female teens

The most expensive company for teens is Nationwide, which charges $5,311 per year for male and female teens.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$2,547Individual Plan Monthly Premium$4,972
FarmersFamily Plan Annual Premium$2,792Individual Plan Monthly Premium$5,639
GEICOFamily Plan Annual Premium$2,845Individual Plan Monthly Premium$5,214
AllstateFamily Plan Annual Premium$2,951Individual Plan Monthly Premium$5,901
ProgressiveFamily Plan Annual Premium$2,975Individual Plan Monthly Premium$6,000
Capital Insurance GroupFamily Plan Annual Premium$3,143Individual Plan Monthly Premium$3,919
TravelersFamily Plan Annual Premium$3,902Individual Plan Monthly Premium$5,508
KemperFamily Plan Annual Premium$4,081Individual Plan Monthly Premium$9,175

Teenagers are charged more for insurance if they buy a policy on their own compared to being added to a family policy. In Fremont, a 16-year-old male pays about $673 more for their own coverage than they would on a family policy. Comparing your options for the cheapest auto insurance for teens can save your family thousands of dollars annually.

Cheapest Car Insurance in Fremont for Military Drivers

The most affordable car insurance companies military families in Fremont are:

  • USAA: $863 per year
  • National General: $935 per year

Those considering minimum coverage policies may find the most affordable from GEICO ($370 per year) and USAA ($375 per year).

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
USAAAnnual Premium$863Monthly Premium$72
National GeneralAnnual Premium$935Monthly Premium$78
ProgressiveAnnual Premium$954Monthly Premium$79
GEICOAnnual Premium$996Monthly Premium$83
State FarmAnnual Premium$1,112Monthly Premium$93
AllstateAnnual Premium$1,119Monthly Premium$93
CSAAAnnual Premium$1,212Monthly Premium$101
MercuryAnnual Premium$1,214Monthly Premium$101

How to Compare Cheap Fremont Car Insurance Quotes Online

Finding the right car insurance can be a time-consuming and tedious process. You have to provide a lot of personal information and spend 15 minutes or more obtaining quotes from each company. MoneyGeek’s auto insurance calculator can quickly provide you with a range of costs based on your age, vehicle type, amount of coverage and driving history.

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Jun 22, 2024

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Best Car Insurance in Fremont: Summary

The best car insurance in California may vary depending on your priorities, such as cost and service coverage. These are our top-ranked companies in Fremont based on various needs:

  • Best overall: Progressive (MoneyGeek score 74 out of 100)
  • Best for service: Chubb (MoneyGeek score 76 out of 100)
  • Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company's MoneyGeek score can fluctuate depending on the factors given the most weight in each category. Location can also be a determining factor in insurance rates. CSAA is the best overall insurer in California, but Progressive is the top option in Fremont.

Those who are part of the military may fare better with USAA, which earned a score of 85 out of 100 from MoneyGeek.

Best Overall Car Insurance Companies in Fremont

The following companies provide the best overall car insurance to Fremont residents:

  • Progressive: MoneyGeek score 74 out of 100 ($954 per year)
  • GEICO: MoneyGeek score 73 out of 100 ($996 per year)

Progressive offers cost-effective policies and excellent customer service, two critical factors required to be the best overall insurer. USAA is our top pick for military members, earning a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

Progressive

pros

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Ranked second in affordability

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Above-average in general satisfaction

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Offers roadside assistance, deductible modification and custom parts coverage

cons

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Low rating in claims management

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Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

Progressive is the best overall company in Fremont since it balances cost-effectiveness and customer service. Its coverage selection is vast, offering a wide range of options to choose from.

Progressive’s roadside assistance includes towing services, mechanical repairs and flat tire changes if your vehicle breaks down. Additionally, the Deductible Savings Bank allows you to earn savings on your comprehensive and collision deductibles by driving safely, reducing your deductible by $50 for each six-month period that you remain ticket- and accident-free. This benefit resets after filing a claim.

If you're the type of person who likes to add custom parts and equipment (CPE) to your car, you'll probably want to make sure it's covered by your policy. Progressive’s CPE coverage typically has a $5,000 limit, which is enough to cover most after-market accessories like stereos, navigation systems and custom wheels.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Fremont for Customer Service

When cost is excluded from the analysis, the top companies in Fremont for customer service are:

  • Chubb: MoneyGeek score 76 out of 100 ($1,801 per year)
  • Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,335 per year)

Chubb has a high claims and satisfaction score, which are two critical factors for excellent service. Policyholders do pay more for this level of service, as the company has the highest premium in the city.

How was this MoneyGeek score calculated?

Chubb

pros

checkmark

Scored highly in claims

checkmark

Excellent score in customer satisfaction

checkmark

Has rental car and original equipment manufacturer (OEM) coverages

cons

close

Limited coverage options

close

Most expensive option in the city

close

Doesn’t offer roadside assistance, accident forgiveness or other common coverages

COMPANY HIGHLIGHTS

Chubb offers high-quality services and handles claims efficiently. It can help in all aspects of your claim, from estimating the damage to filing all paperwork. Chubb also provides various types of coverage, like rental car reimbursement, which allows you to drive the same kind of car you would normally drive. You may use this coverage if your car is totaled in an accident or is in the shop.

Its OEM coverage is also worth noting. Chubb is one of the insurers that will pay the cost of original parts. Since it doesn’t cut corners with after-market parts, it tends to provide customers with a higher level of service and protection than other insurers.

Policyholders will pay for Chubb’s higher level of service. The insurer is the most expensive provider in Fremont.

Best Cheap Car Insurance Companies in Fremont

Based on our review of the quality of service and affordability for policies that only meet California's minimum coverage requirements, the best companies in Fremont are:

  • GEICO: MoneyGeek score 78 out of 100 ($370 per year)
  • Progressive: MoneyGeek score 72 out of 100 ($424 per year)

Minimum coverage policies in Fremont could be the best choice for drivers who want to save money but don't mind sacrificing protection for damage to their own vehicle and extensive liability coverage in the event of an accident.

How was this MoneyGeek score calculated?

GEICO

pros

checkmark

An affordable minimum coverage policy costs $370 per year

checkmark

Offers bundling, airbag and seat belt use discounts

checkmark

High scores in pricing and customer service

cons

close

Doesn’t offer paperless and pay-in-full discounts

close

Below-average scores in coverage and claims

COMPANY HIGHLIGHTS

GEICO provides low rates and high-quality service for drivers looking for minimum coverage in Fremont. To help policyholders save even more money, the insurer's discount options are helpful.

You can get a discount on your car and home coverage when you combine them in one policy. GEICO also provides discounts if your car has airbags. You’ll also get rewarded for using your seat belt at all times because GEICO will lower your rates if you do. GEICO is one of the few insurers that has this kind of discount.

GEICO even offers person-specific discounts to help certain demographics of drivers save money on their premiums. These discount opportunities are available for seniors, teachers, members of affinity organizations, federal employees, military members and students.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Fremont

The average cost of car insurance in Fremont is $1,296 as of October 2022. Compared to the national and California car insurance cost averages, this figure is $31 higher and $91 lower, respectively. These numbers are for full coverage with $100,000 in bodily injury liability per person and $300,000 in bodily injury liability per accident. Even though location is a key component in determining insurance premiums, it's not the only factor insurers consider.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick 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.