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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Last Updated: 5/16/2022
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In Fremont, Esurance offers the cheapest premiums for full coverage auto insurance and for drivers with speeding tickets. CCSA has the best rates for a state minimum policy. These rates can vary by driver profile and coverage amount. MoneyGeek’s ratings found that AAA and GEICO tied first for companies that balance affordability and quality service.

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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 Fremont, the cheapest auto insurers are, on average:

  • Esurance: $906 per year
  • Progressive: $1,010 per year

Compared to Allied, with an average cost of $1,607 per year, Esurance’s full coverage policy is considerably cheaper. Drivers getting the full coverage policy are protected with liability, collision and comprehensive coverages.

Cheapest Car Insurance in Fremont
Full Coverage 100/300/100
  • Company
    100/300/100per year
  • 1.
    Esurance
    $906
  • 2.
    Progressive
    $1,010
  • 3.
    USAA
    $1,040
  • 4.
    MetLife
    $1,081
  • 5.
    GEICO
    $1,090
  • 6.
    CSAA
    $1,134
  • 7.
    Allstate
    $1,145
  • 8.
    State Farm
    $1,239
  • 9.
    Mercury
    $1,329
  • 10.
    Hartford
    $1,417
  • 11.
    Farmers
    $1,441
  • 12.
    Travelers
    $1,559
  • 13.
    Allied
    $1,607

Based on our methodology, prices indicated are averages based on a sample driver profile for a 40-year-old male with full coverage.

Full coverage car insurance protects drivers against financial responsibility should an accident occur regardless of whether they are at fault. It is more expensive than the state minimum because of the following added coverages:

  • Collision Insurance: This type of insurance pays damages during a collision either with another vehicle or a stationary object
  • Comprehensive Insurance: This type of insurance pays for damages as a result of vandalism, theft, damage from fallen objects and many more that are not associated with a collision.

A full coverage policy is not recommended for older cars, especially if the premiums are more than the car is worth. In such cases, a state minimum policy may be a better deal.

Compare Car Insurance Rates in Fremont

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Insurance Rates

Cheapest Car Insurance in Fremont for Minimum Coverage

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.

Cheapest Minimum Liability Car Insurance in Fremont
State Minimum

When you get a state minimum coverage policy, it ensures that you are able to score the cheapest possible premiums. However, this provides the lowest coverage for bodily injuries, property damages and uninsured motorists.

For example, say you cause an accident and the other driver has $25,000 in injury expenses. If you purchased the minimum coverage, your insurance would only pay up to $15,000, leaving you responsible for paying the remaining $10,000 out of pocket.

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.

Cheapest Car Insurance in Fremont if You Have Driving Violations

One of the benefits of safe driving is that insurance companies see you as less risky and therefore offer you the cheapest rates. On the contrary, drivers who have been in an accident, been caught driving under the influence or have a speeding ticket pay significantly more.

Here are the cheapest insurers on average by various violation types:

  • Cheapest after a ticket: Esurance, $1,143 per year
  • Cheapest after an at-fault accident: Esurance, $1,403 per year
  • Cheapest after a DUI: Mercury, $2,179 per year

USAA offers the cheapest rates for drivers with speeding tickets, but these policies are only available to military families.

Drivers in Fremont can lower these rates by practicing safe driving and letting their records improve over time. In the interim, they can compare rates and buy from insurance companies with the cheapest rates after an accident.

Cheapest Car Insurance in Fremont With a Violation
Speeding Ticket

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.

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.

Compare Car Insurance Rates in Fremont

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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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 according to 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 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:87.5

5/5

Affordability

4/5

Claims Ratings

4/5

User Satisfaction

A-

Financial Stability

5
State Farm
Score:87.5

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:82.5

4/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

9
Allstate
Score:82.5

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:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

12
Liberty Mutual
Score:77.5

3/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Farmers
Score:77.5

2/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

14
Mercury
Score:77.5

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

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

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
rain icon
Most Annual Rainfall194th/300
umbrella icon
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.

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.