Compare the Cheapest Car Insurance Quotes in Fremont, CA

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.

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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

Fremont$1,247
California$1,429
U.S.$1,424

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.

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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.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto Club of Southern California Insurance Group
Score:90

4/5

Affordability

5/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

3
GEICO
Score:90

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Wawanesa
Score:88

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:88

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

6
Ameriprise
Score:85

4/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A

Financial Stability

7
Hartford
Score:85

3/5

Affordability

4/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

8
Progressive
Score:83

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:83

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

11
CSAA
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:78

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:78

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

15
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

16
Kemper
Score:70

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

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:


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114Cups of Coffee
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26Months of Your Favorite Streaming Service

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

  • Item
    Description
  • 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

Liability Only
Full Coverage
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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.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    Esurance
    $1,143
    $1,403
    $2,237
  • 2.
    USAA
    $1,137
    $1,811
    $2,928
  • 3.
    GEICO
    $1,607
    $1,836
    $2,530
  • 4.
    Progressive
    $1,919
    $2,083
    $2,382
  • 5.
    Mercury
    $1,742
    $2,312
    $2,179
  • 6.
    CSAA
    $1,426
    $1,426
    $4,034
  • 7.
    Allstate
    $1,618
    $2,030
    $3,578
  • 8.
    Farmers
    $1,980
    $2,475
    $2,475
  • 9.
    State Farm
    $1,825
    $1,902
    $3,803
  • 10.
    Travelers
    $2,312
    $2,548
    $3,199
  • 11.
    Allied
    $2,251
    $2,585
    $3,884
  • 12.
    MetLife
    $1,401
    $1,820
    $6,763
  • 13.
    Hartford
    $2,194
    $3,036
    $5,137

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 Code
    State Minimumper year
  • 94539
    $1,233
  • 94536
    $1,238
  • 94538
    $1,269
iconribbontop ratedCar Insurance agentsFremont2021

Top Agents Offering Affordable Car Insurance in Fremont

1. Wayne Leung - State Farm Insurance Agent38259 Fremont Blvd, Fremont, CA, 94536
12 ratings
2. Provident Credit Union39080 Argonaut Way, Fremont, CA, 94538
7 ratings
3. Allstate Insurance: Holly H Zhu963 Corporate Way, Fremont, CA, 94539
7 ratings
4. Lynette Fraga-Weems - State Farm Insurance Agent43433 Mission Blvd, Ste 101, Fremont, CA, 94539
5 ratings
5. Aman Kashyap - State Farm Insurance Agent3900 Union St, Fremont, CA, 94538
15 ratings

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.

accident2 icon
Most Accidents With Fatalities275th/300
handcuffs2 icon
Most Car Thefts262nd/300
uninsured icon
Most Uninsured Motorists by State12th/50
insurance2 icon
Personal Injury Protection RequiredNo
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Most Annual Rainfall194th/300
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Most Rainy Days211th/300

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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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.