Car insurance premiums cost an average of $1,247 per year in Fremont, 12.8% cheaper than the state average. Based on average rates, the most affordable option in the city costs $906 from Esurance. MoneyGeek analyzed the cheapest insurance rates depending on different coverage amounts and driving histories. MoneyGeek also ranked the best options based on cost and quality.
Compare the Cheapest Car Insurance Quotes in Fremont, CA
The Cheapest and Best Car Insurance in Fremont
The Cheapest Car Insurance Companies in Fremont
For a full coverage policy in the city, the cheapest auto insurers are:
- Esurance: $906 per year
- Progressive: $1,010 per year
Prices indicated are averages based on a sample driver profile, a 40-year-old male driver with full coverage that includes liability insurance and comprehensive and collision insurance.
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Average Cost of Car Insurance in Fremont
The average yearly car insurance in Fremont is lower than both the California and U.S. rates. The typical annual rate in the city is $1,247, which is 12.8% less than the state average and 12.5% lower than the national average.
The Best Car Insurance Companies in Fremont
If you are looking for companies with quality service and affordable rates, MoneyGeek ranked the best insurers in Fremont. Based on final scores out of 100, the best companies in the city for most drivers are:
- AAA: MoneyGeek score of 90 out of 100
- GEICO: MoneyGeek score of 90 out of 100
USAA received the highest score in Fremont by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.
MoneyGeek used J.D. Power’s user satisfaction, affordability and financial stability ratings, among other criteria, when calculating the insurers’ scores.
Personalized Quotes to Get You the Cheapest Car Insurance in Fremont
Car insurance quotes in Fremont are calculated based on multiple factors, including your age and gender, miles driven per year, coverage level and more. Take the example of State Farm in Fremont. Its average policy for 18-year-old customers is almost twice as expensive as its coverage for 40-year-olds. We advise you to get a customized quote regularly so you can find the cheapest coverage.
Shopping around for car insurance in Fremont could save you $341, which is enough to buy:
Cheapest Car Insurance in Fremont by Coverage Amount
The amount of coverage you buy is an important factor that auto insurers in Fremont and elsewhere consider when calculating your premiums. In Fremont, drivers typically pay $577 for a policy that only meets state minimums. On the other hand, a full coverage policy with higher liability limits costs $1,247 on average or $669 more.
California Minimum Liability Requirements
- Bodily Injury and Property Damage$15,000 per person, $30,000 per accident and $5,000 for property damage. A more protective level is 100/300/100.
Esurance offers both liability-only and full-coverage plans with 50/100/50 limits in Fremont. These limits indicate that the policy will cover $50,000 worth of medical bills per person, for a total of $100,000 per vehicle, in addition to $50,000 of property damage repair. Esurance’s 50/100/50 full-coverage package costs on average $287 more than its liability-only plan. However, this could be considered a smart investment because the full-coverage policy delivers additional benefits.
Average Car Insurance Premiums: Liability-Only vs. Full Coverage
- CompanyState Minimumper year50 / 100 / 50per year
- Company50 / 100 / 50per year100 / 300 / 100per year
Cheapest Car Insurance in Fremont if You Have Driving Violations
Driving violations should be avoided as they can increase your auto insurance costs. For example, let’s look at Esurance in Fremont. This provider’s policyholders with a speeding ticket pay around $237 more annually for their coverage than those with no violations. Similarly, customers with a DUI have to pay an average of $1,331 more per year for their policy compared to drivers with clean records.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
Average Cost of Car Insurance by Postal Code
In Fremont and other U.S. cities, auto insurance providers consider a customer’s ZIP code while calculating their premiums. This is because of factors like the number of accidents, car thefts and uninsured drivers in a neighborhood. However, in Fremont, your ZIP code makes very little difference. The most expensive ZIP code for auto coverage in this city is 94538, but rates in this area are typically just $37 higher than those in ZIP code 94539.
- Zip CodeState Minimumper year
Top Agents Offering Affordable Car Insurance in Fremont
Factors That Impact Insurance Costs in Fremont
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Fremont. How Fremont ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
Methodology and Assumptions
MoneyGeek’s average premium rates for Fremont are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.
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