In Fremont, California, GEICO offers the cheapest minimum coverage car insurance. Progressive has the most affordable full coverage policy, and State Farm leads for families with teens. Chubb excels in terms of service, while Capital Insurance Group provides the overall best value, balancing cost and service. The right insurer for you hinges on personal preferences and coverage needs.
Cheapest and Best Car Insurance in Fremont, CA (2024)
GEICO offers Fremont's cheapest car insurance at $417 per year. Capital Insurance Group delivers the best balance of service and affordability, with a MoneyGeek score of 81 out of 100.
Updated: November 21, 2024
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Cheapest and Best Car Insurance in Fremont
Why Trust MoneyGeek? We analyzed 352,910 quotes in California from 18 companies, used six sources and conducted original research to rate the cheapest companies and develop a scoring system for Fremont insurance providers based on ZIP codes in the city only. Our scores are based on affordability, customer satisfaction, claims experience, coverages offered and financial stability.
These rates reflect the cheapest car insurance quotes in Fremont, California, as of July 2024.
Cheapest Minimum Coverage Car Insurance in Fremont
MoneyGeek found that GEICO is the cheapest option in Fremont for minimum coverage car insurance. These are the top two providers:
- GEICO: $417 per year
- Progressive: $425 per year
Chubb offers the most expensive minimum coverage policy in Fremont, costing $731 per year — $314 more than GEICO. This rate difference underscores the importance of shopping around to get the best car insurance rates. Finding the cheapest car insurance can significantly impact your annual budget.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
GEICO | $417 | $35 |
Progressive | $425 | $35 |
CSAA | $429 | $36 |
Mercury | $456 | $38 |
Kemper | $505 | $42 |
National General | $515 | $43 |
Farmers | $518 | $43 |
State Farm | $522 | $43 |
Capital Insurance Group | $546 | $46 |
State National | $614 | $51 |
Allstate | $635 | $53 |
Hartford | $644 | $54 |
Travelers | $664 | $55 |
Nationwide | $703 | $59 |
Chubb | $731 | $61 |
State Minimum Liability Requirements
Across all cities in California, state law prescribes the minimum required car insurance coverage. The standard minimums include:
- $15,000 bodily injury per person
- $30,000 bodily injury per accident
- $5,000 property damage liability per accident
For instance, in a covered accident, your policy would pay up to $15,000 for a single individual's injuries and a total of $30,000 for injuries to multiple people in one accident. You must pay out of pocket for any expenses beyond these limits. Remember, these mandatory coverages are basic requirements of California insurance law.
Cheapest Full Coverage Car Insurance in Fremont
MoneyGeek found that Progressive offers Fremont's cheapest full coverage car insurance. Comparing the plans, these are the top providers:
- Progressive: $983 per year
- GEICO: $1,134 per year
Travelers has the most expensive full coverage policy in Fremont, at $1,988 per year. This $1,005 difference demonstrates the importance of shopping around, as you could save on insurance costs by choosing Progressive over Travelers. Full coverage policies cost more than minimum coverage because they provide extensive protection against various incidents.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $983 | $82 |
GEICO | $1,134 | $95 |
National General | $1,146 | $96 |
Allstate | $1,175 | $98 |
Mercury | $1,261 | $105 |
Capital Insurance Group | $1,338 | $112 |
Kemper | $1,342 | $112 |
CSAA | $1,396 | $116 |
State Farm | $1,407 | $117 |
Hartford | $1,437 | $120 |
State National | $1,449 | $121 |
Chubb | $1,801 | $150 |
Nationwide | $1,802 | $150 |
Farmers | $1,946 | $162 |
Travelers | $1,988 | $166 |
Do You Need Full Coverage in California?
Full coverage policies have increased liability limits. They also incorporate comprehensive and collision insurance for well-rounded protection.
Collision Insurance: This is essential as it covers repair costs for your vehicle in case of an incident, whether it collides with another car or an object like a tree or light pole. It also covers rollover accidents and pothole damage.
Comprehensive Insurance: This provides coverage for your vehicle against various non-collision events, such as theft, vandalism, fires, natural disasters or being hit by an animal like a deer.
Opting for full coverage insurance is a prudent decision for drivers with new vehicles, ensuring your investment is well protected. With older vehicles, the additional coverage and the resulting higher premiums might not present the same value. When deciding how much car insurance you need, it's a matter of balancing securing sufficient protection and managing premium costs. Too much coverage could lead to unnecessary expense, while too little may leave you inadequately covered.
Cheapest Car Insurance in Fremont After a Driving Offense
MoneyGeek found that the cheapest car insurance options for drivers with violations depend on the driving infraction:
- Speeding Ticket: National General ($1,200 per year)
- At-Fault Accident: Capital Insurance Group ($1,580 per year)
- DUI: National General ($1,200 per year)
Hartford offers the most expensive rate for those with a DUI at $5,167. Travelers has the most expensive premium for those with an at-fault accident, costing $3,322 per year. Nationwide's policy for those with a speeding ticket is the least affordable, at $3,122 per year. Generally, car insurance premiums are higher after a driving offense, but you can still find affordable rates.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
- Accident
- DUI
- Speeding
National General | $1,200 | $100 |
Capital Insurance Group | $1,539 | $128 |
Mercury | $1,665 | $139 |
GEICO | $1,682 | $140 |
Allstate | $1,700 | $142 |
CSAA | $1,767 | $147 |
Kemper | $1,781 | $148 |
Progressive | $1,843 | $154 |
State National | $2,059 | $172 |
State Farm | $2,084 | $174 |
Hartford | $2,143 | $179 |
Chubb | $2,360 | $197 |
Farmers | $2,696 | $225 |
Travelers | $3,004 | $250 |
Nationwide | $3,122 | $260 |
Insurance rates in cities like Fremont increase with the severity of a driving offense on your record, as riskier drivers are costlier to insure. In Fremont, the difference in annual rates is significant: those with a speeding ticket may pay an annual average of $2,043, while a DUI offense can raise the rate to approximately $3,461. This stark contrast highlights why comparing insurance rates is crucial to potentially save hundreds of dollars on premiums, especially for those with driving offenses.
Cheapest Car Insurance in Fremont for Teens and Their Families
MoneyGeek found that State Farm offers the most affordable full coverage car insurance for teens in Fremont.
- State Farm: $2,547 per year for female and male teens
- Farmers: $2,792 per year for female and male teens
These rates reflect premiums for a policy covering two parents and a teenage driver. Nationwide has the most expensive teen family policies in Fremont, with an annual rate of $5,311 for female and male teens. There is a significant $2,764 difference in annual premiums between State Farm and Nationwide for teen drivers. This highlights the need for families to compare rates, especially when adding higher-risk teenage drivers to their policies.
- 16
- 17
- 18
- 19
- 20
- 21
- 22
- 23
- 24
- 25
- Female
- Male
State Farm | $2,547 | $2,820 |
Farmers | $2,792 | $4,116 |
GEICO | $2,845 | $3,212 |
Allstate | $2,951 | $3,179 |
Progressive | $2,975 | $3,269 |
Capital Insurance Group | $3,143 | $3,069 |
Travelers | $3,902 | $3,528 |
Kemper | $4,081 | $5,448 |
Nationwide | $5,311 | $7,540 |
In Fremont and other cities, teens independently purchasing auto insurance can expect sharp increases in premiums compared to joining a family plan. An individual teen policy costs around $4,083 per year, while being added to a family policy averages $3,411 — a significant $672 difference. Insurers justify these rates due to teens' higher risk profiles, which include inexperience, a greater likelihood of accidents and riskier driving behavior. Consequently, approval for individual plans is tougher, making family plans both more cost-effective and accessible for teen drivers. Families should consider these factors when exploring insurance options for their young drivers.
Cheapest Car Insurance in Fremont for Military Drivers
MoneyGeek found that Progressive offers the cheapest car insurance for military backgrounds in Fremont.
- Progressive: $983 per year
- GEICO: $1,134 per year
Although not the cheapest on the list, USAA has a competitive rate of $1,174 per year. It is worth noting that while USAA rates are slightly higher, it specializes in services that cater to the needs of active duty military members, potentially offering greater value for those individuals.
- 22-29
- 30-59
- 60 +
- Full Coverage
- Minimum Coverage
Progressive | $983 | $82 |
GEICO | $1,134 | $95 |
National General | $1,146 | $96 |
USAA | $1,174 | $98 |
Allstate | $1,175 | $98 |
Mercury | $1,261 | $105 |
Capital Insurance Group | $1,338 | $112 |
Kemper | $1,342 | $112 |
CSAA | $1,396 | $116 |
State Farm | $1,407 | $117 |
Hartford | $1,437 | $120 |
State National | $1,449 | $121 |
Chubb | $1,801 | $150 |
Nationwide | $1,802 | $150 |
Farmers | $1,946 | $162 |
Travelers | $1,988 | $166 |
How to Compare Cheap Fremont Car Insurance Quotes Online
In Fremont, the search for cost-effective car insurance can be time-consuming. Comparing three or more companies can take over an hour.
MoneyGeek's car insurance calculator can help streamline the process. Input specifics like your age, driving history, credit score and coverage preferences to procure a tailored rate estimate promptly.
Car Insurance Calculator
MoneyGeek's car insurance calculator will give you a customized estimate of your auto insurance cost. It's free to use, requires no personal information and we won't send you any spam.
Rates updated:
Dec 06, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Best Car Insurance in Fremont: Overview
Choosing the best auto insurance for you depends on how much you prioritize factors like service, cost and coverage. MoneyGeek's comprehensive research, which uses distinct scoring criteria for each category, reveals Fremont’s top insurers for varied preferences:
- Best overall: Capital Insurance Group (MoneyGeek score 81 out of 100)
- Best for service: Chubb (MoneyGeek score 94 out of 100)
- Best cheap: Mercury (MoneyGeek score 79 out of 100)
Mercury is the best option if budget is your main concern, offering significant savings without compromising on service. However, Chubb is the top option for those prioritizing an exceptional service experience. Capital Insurance Group provides a balanced offering, excelling in overall value by combining service quality with affordability.
Overall Best Car Insurance in Fremont
MoneyGeek found that Capital Insurance Group is the top performer for those seeking the best car insurance in Fremont. This company stands out from the competition due to its comprehensive policies that provide exceptional value.
- Capital Insurance Group: MoneyGeek score of 81 out of 100 ($1,338 per year)
- Chubb: MoneyGeek score of 80 out of 100 ($1,801 per year)
Capital Insurance Group distinguishes itself primarily through its high satisfaction and affordability scores, which are evident in its MoneyGeek score for a full coverage policy. Customers looking for reliable car insurance coverage in Fremont will find Capital Insurance Group's offering especially appealing. This insurer's balance of cost-effectiveness and consumer satisfaction makes it a leading choice in the market.
Capital Insurance Group's high MoneyGeek score is due to its excellent affordability and claims handling ratings. It offers roadside assistance, making it a reliable choice for drivers who value essential protection.
Capital Insurance Group offers custom parts coverage, which is unique to this company. This coverage benefits car enthusiasts who customize their vehicles, protecting potentially high-value modifications. Additionally, drivers will appreciate the company's full glass coverage, which ensures swift repairs without the hassle of visiting a garage. Its offerings and high scores make Capital Insurance Group a top option for various insurance needs, where customers can expect a harmonious balance of service and value.
- Ranks first in the city for general customer satisfaction
- Ranks second in the city for claims handling
- Offers roadside assistance and custom parts coverage
- Ranks third for key coverages
- Ranks sixth in the city for affordability, with an average annual premium of $1,338 for full coverage
- Does not offer rental car/travel reimbursement or gap insurance
MoneyGeek's Fremont car insurance ratings prioritize customer satisfaction and cost-effectiveness, and also weighing claims processing, coverage options and insurer stability
Best Car Insurance in Fremont for Customer Service
MoneyGeek found that based on customer service, Chubb is the best option for car insurance in Fremont. This assessment prioritizes customer satisfaction, claims handling and coverages without considering rates.
- Chubb: MoneyGeek score of 94 out of 100 ($1,801 per year)
- Capital Insurance Group: MoneyGeek score of 82 out of 100 ($1,338 per year)
Chubb excels in claims satisfaction and coverage options, which are significant contributors to its leading MoneyGeek score. This demonstrates the company's commitment to providing policyholders with comprehensive coverage and stellar service.
Chubb's high MoneyGeek score is largely due to its strong satisfaction score and stellar claims handling. Although the company lacks roadside assistance, it does offer rental car and/or travel reimbursement. Despite lacking some common coverages, the insurer is still a solid option, as demonstrated by its high MoneyGeek scores.
Chubb's specialized coverage options are particularly beneficial for discerning drivers. The company's original equipment manufacturer (OEM) coverage benefits those who prefer authentic manufacturer parts used in repairs. OEM coverage is a widely applicable benefit as many drivers value maintaining their vehicles with high-quality components. Additionally, Chubb's diminished value coverage offers protection, potentially compensating for a car's loss in resale value after an accident.
Together with its antique or classic car Insurance, these coverages showcase the insurer's commitment to accommodating various customer needs. Chubb's commendable scores in various factors underscore its dedication to customer experience and reliable coverage.
- Ranks second in the city for general customer satisfaction
- Ranks first in the city for claims handling
- Offers OEM coverage and rental car and/or travel reimbursement
- Does not offer roadside assistance or gap insurance
MoneyGeek ranks Fremont's top car insurers by prioritizing customer satisfaction and effective claims processing, with coverage options and company stability also key.
Best Cheap Car Insurance in Fremont
MoneyGeek found that Mercury is the best option in Fremont for those seeking affordable car insurance without sacrificing quality service. This ranking comes from a comprehensive evaluation that considers customer satisfaction and claims processing.
- Mercury: MoneyGeek score of 79 out of 100 ($456 per year)
- Capital Insurance Group: MoneyGeek score of 78 out of 100 ($546 per year)
Mercury stands out in the Fremont insurance market with its low rates and reliable service. The biggest contributors to its high MoneyGeek score are its leading affordability and competitive claims handling, ensuring customers get more value for the insurance they pay for. Importantly, this score is for a minimum coverage policy, emphasizing the focus on both savings and service quality.
Mercury excels in affordability and coverage, significantly contributing to its high MoneyGeek score. With an average annual premium of $456, the average driver enjoys low rates for minimum coverage.
Mercury boasts a breadth of discounts, including common discounts: bundling, multiple car and safe driving. It also offers rare discounts like anti-theft system and for senior drivers. Its pay in full discount is especially beneficial, rewarding those who can afford to pay their entire insurance premium at once, leading to potential savings. With the teacher discount, educators receive up to a 17% rate reduction, showcasing Mercury's dedication to giving back to the community. Its paperless option encourages seamless electronic correspondence and billing.
- Offers common discounts for bundling, multiple cars and safe driving
- Ranks second in the city for coverage options, indicating a variety of choices
- Ranks fourth in the city for affordability, with an average annual premium of $456
- Ranks third for claims handling
- Ranks third for customer satisfaction
MoneyGeek ranks Fremont's top car insurances by prioritizing affordable minimum coverage and customer satisfaction, also considering claims processing and financial health.
Average Cost of Car Insurance in Fremont
In Fremont, the average annual car insurance cost is $1,446, which is lower than the California state average of $1,562. Compared to the national average of $1,781, California’s average car insurance is $219 cheaper. This rate difference showcases a considerable contrast in premium expenses between the state and the country at large.
Location plays a significant role in determining the cost of car insurance, as insurers consider the likelihood of accidents, theft and other risk factors that vary by region. For instance, traffic density, which is often higher in cities, can lead to more collisions and higher insurance premiums. The city with the most expensive insurance premium in California is Glendale at $2,433 per year, which exceeds the state average by $871. Conversely, Santa Maria has the cheapest rate at $1,251, showcasing a notable $311 below the California average. These disparities reinforce the influence of location on insurance rates. Drivers in less populated, non-urban areas may find even more affordable rates due to lower traffic density.
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He 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.