Cheapest and Best Car Insurance in Fremont, CA (2024)


Enter your ZIP code to get started

Shield

Free. Simple. Secure.

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.

MoneyGeek Logo IconBest & CheapestCar InsuranceFremont
2024

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.

recency icon

These rates reflect the cheapest car insurance quotes in Fremont, California, as of July 2024.

352,910Quotes Analyzed
 
18Companies Compared

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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full 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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident: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.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
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.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full 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.

High
Average
Low

Rates updated:

Dec 06, 2024

Shield Insurance
Why You Can Trust MoneyGeek

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.

Company logo for Capital Insurance Group
Best OverallCapital Insurance Group
MoneyGeek Score:
81/ of 100

Overview

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.

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.

Company logo for Chubb
Best for Customer ServiceChubb
MoneyGeek Score:
94/ of 100

Overview

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.

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.

Company logo for Mercury
Best Cheap CompanyMercury
MoneyGeek Score:
79/ of 100

Overview

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.

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.

Anaheim$1,632
Antioch$1,573
Arden$1,592
Bakersfield$1,394
Berkeley$1,489
Burbank$1,968
Carlsbad$1,364
Chula Vista$1,331
Clovis$1,395
Concord$1,473
Corona$1,525
Costa Mesa$1,501
Daly City$1,712
Downey$1,749
East Los Angeles$1,800
El Cajon$1,438
El Monte$1,784
Elk Grove$1,535
Escondido$1,382
Fairfield$1,392
Fontana$1,565
Fremont$1,446
Fresno$1,442
Fullerton$1,661
Garden Grove$1,679
Glendale$2,433
Hayward$1,549
Huntington Beach$1,523
Inglewood$1,963
Irvine$1,585
Jurupa Valley$1,507
Lancaster$1,670
Long Beach$1,685
Los Angeles$2,138
Modesto$1,577
Moreno Valley$1,546
Murrieta$1,415
Norwalk$1,661
Oakland$1,657
Oceanside$1,396
Ontario$1,565
Orange$1,462
Oxnard$1,436
Palmdale$1,722
Pasadena$1,798
Pomona$1,630
Rancho Cucamonga$1,503
Rialto$1,577
Richmond$1,562
Riverside$1,543
Roseville$1,458
Sacramento$1,494
Salinas$1,346
San Bernardino$1,567
San Diego$1,349
San Francisco$1,670
San Jose$1,429
San Mateo$1,385
Santa Ana$1,577
Santa Clara$1,420
Santa Clarita$1,634
Santa Maria$1,251
Santa Rosa$1,479
Simi Valley$1,528
Stockton$1,594
Sunnyvale$1,413
Temecula$1,432
Thousand Oaks$1,589
Torrance$1,518
Vallejo$1,547
Ventura$1,341
Victorville$1,598
Visalia$1,333
Vista$1,355
West Covina$1,667

About Mark Fitzpatrick


Mark Fitzpatrick headshot

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.