Cheapest and Best Car Insurance in Fremont, CA (2023)

The cheapest company for you may be the one that best suits your driving profile and needs. The cheapest insurer for a full coverage policy is National General. It’s also the most affordable for drivers with an offense. Teens can save the most with State Farm, while military members can cut costs with USAA. If you’re keen on customer service, Chubb is a solid choice.

Cheapest + BestCar InsuranceFremont

2023

Cheapest and Best Car Insurance in Fremont, CA

Cheapest Overall - GEICO

Cheapest Full Coverage - National General

Cheapest After Driving Offense - National General

Cheapest for Teens - State Farm

Cheapest for Military - USAA

Best Overall - Progressive

Best for Customer Service - Chubb

Best Cheap - GEICO

Cheapest Minimum Liability Car Insurance in Fremont

These insurers are the most affordable when it comes to minimum coverage policies in Fremont:

GEICO: $370 per year
CSAA: $412 per year

Chubb's annual cost of around $731 is the most expensive option, but your location could have a big impact on prices.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$343	$29
GEICO	$367	$31
GEICO	$370	$31
CSAA	$412	$34
CSAA	$418	$35
Progressive	$424	$35
Progressive	$426	$36
GEICO	$436	$36
State Farm	$451	$38
CSAA	$452	$38
Mercury	$480	$40
Mercury	$491	$41
Progressive	$500	$42
Kemper	$505	$42
State Farm	$516	$43
Travelers	$523	$44
Travelers	$523	$44
National General	$529	$44
National General	$544	$45
Farmers	$555	$46
Farmers	$573	$48
Nationwide	$575	$48
Kemper	$583	$49
Hartford	$595	$50
Capital Insurance Group	$595	$50
State National	$596	$50
Travelers	$598	$50
Nationwide	$598	$50
Mercury	$598	$50
Allstate	$608	$51
Allstate	$613	$51
State National	$614	$51
Capital Insurance Group	$616	$51
Farmers	$651	$54
National General	$651	$54
Allstate	$659	$55
Hartford	$677	$56
Capital Insurance Group	$690	$58
State National	$728	$61
Chubb	$731	$61
Chubb	$753	$63
Nationwide	$758	$63
Kemper	$768	$64
Hartford	$863	$72
State Farm	$870	$72
National General	$935	$78
Progressive	$947	$79
National General	$947	$79
Progressive	$954	$79
GEICO	$963	$80
GEICO	$996	$83
Chubb	$1,043	$87
Allstate	$1,067	$89
State Farm	$1,112	$93
Allstate	$1,119	$93
National General	$1,132	$94
Progressive	$1,142	$95
GEICO	$1,147	$96
Mercury	$1,187	$99
CSAA	$1,211	$101
CSAA	$1,212	$101
Mercury	$1,214	$101
Allstate	$1,240	$103
Capital Insurance Group	$1,257	$105
Hartford	$1,284	$107
State Farm	$1,302	$109
Capital Insurance Group	$1,335	$111
CSAA	$1,337	$111
Kemper	$1,342	$112
State National	$1,345	$112
Nationwide	$1,358	$113
Travelers	$1,432	$119
State National	$1,449	$121
Hartford	$1,471	$123
Nationwide	$1,479	$123
Farmers	$1,486	$124
Capital Insurance Group	$1,501	$125
Travelers	$1,502	$125
Farmers	$1,522	$127
Mercury	$1,568	$131
Kemper	$1,651	$138
State National	$1,789	$149
Travelers	$1,793	$149
Chubb	$1,801	$150
Farmers	$1,807	$151
Chubb	$1,860	$155
Hartford	$1,886	$157
Nationwide	$1,941	$162
Kemper	$1,995	$166
Chubb	$2,650	$221

Minimum coverage for bodily injury liability and property damage liability is required by California law, with the following amounts:

$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident

If you have these limits on your policy and cause an accident that injures the other driver (and their passengers, if any), your policy will cover up to $15,000 per person injured and a maximum of $30,000 per accident. In addition, it will pay up to $5,000 for property damage. You will be responsible for any costs beyond those amounts.

Cheapest Full Coverage Car Insurance in Fremont

In Fremont, the following insurers provide full coverage vehicle insurance at the most affordable prices:

National General: $935 per year
Progressive: $954 per year

Chubb charges $1,801 a year for full coverage, making it the most expensive option.

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$343	$29
GEICO	$367	$31
GEICO	$370	$31
CSAA	$412	$34
CSAA	$418	$35
Progressive	$424	$35
Progressive	$426	$36
GEICO	$436	$36
State Farm	$451	$38
CSAA	$452	$38
Mercury	$480	$40
Mercury	$491	$41
Progressive	$500	$42
Kemper	$505	$42
State Farm	$516	$43
Travelers	$523	$44
Travelers	$523	$44
National General	$529	$44
National General	$544	$45
Farmers	$555	$46
Farmers	$573	$48
Nationwide	$575	$48
Kemper	$583	$49
Hartford	$595	$50
Capital Insurance Group	$595	$50
State National	$596	$50
Travelers	$598	$50
Nationwide	$598	$50
Mercury	$598	$50
Allstate	$608	$51
Allstate	$613	$51
State National	$614	$51
Capital Insurance Group	$616	$51
Farmers	$651	$54
National General	$651	$54
Allstate	$659	$55
Hartford	$677	$56
Capital Insurance Group	$690	$58
State National	$728	$61
Chubb	$731	$61
Chubb	$753	$63
Nationwide	$758	$63
Kemper	$768	$64
Hartford	$863	$72
State Farm	$870	$72
National General	$935	$78
Progressive	$947	$79
National General	$947	$79
Progressive	$954	$79
GEICO	$963	$80
GEICO	$996	$83
Chubb	$1,043	$87
Allstate	$1,067	$89
State Farm	$1,112	$93
Allstate	$1,119	$93
National General	$1,132	$94
Progressive	$1,142	$95
GEICO	$1,147	$96
Mercury	$1,187	$99
CSAA	$1,211	$101
CSAA	$1,212	$101
Mercury	$1,214	$101
Allstate	$1,240	$103
Capital Insurance Group	$1,257	$105
Hartford	$1,284	$107
State Farm	$1,302	$109
Capital Insurance Group	$1,335	$111
CSAA	$1,337	$111
Kemper	$1,342	$112
State National	$1,345	$112
Nationwide	$1,358	$113
Travelers	$1,432	$119
State National	$1,449	$121
Hartford	$1,471	$123
Nationwide	$1,479	$123
Farmers	$1,486	$124
Capital Insurance Group	$1,501	$125
Travelers	$1,502	$125
Farmers	$1,522	$127
Mercury	$1,568	$131
Kemper	$1,651	$138
State National	$1,789	$149
Travelers	$1,793	$149
Chubb	$1,801	$150
Farmers	$1,807	$151
Chubb	$1,860	$155
Hartford	$1,886	$157
Nationwide	$1,941	$162
Kemper	$1,995	$166
Chubb	$2,650	$221

A full coverage policy elevates liability-only insurance's maximums and includes comprehensive and collision coverage.

Collision Insurance: This covers damage to your car if it collides with another vehicle or object.
Comprehensive Insurance: This covers damage to your car caused by a variety of non-collision events, such as fires, vandalism, thefts and windstorms.

Some people opt for liability-only coverage on their older cars to avoid paying hundreds of dollars more yearly for a vehicle with little value.

Cheapest Car Insurance in Fremont After a Driving Offense

The following car insurance companies have the lowest rates for drivers with a history of driving violations in Fremont:

Speeding ticket: National General ($980 per year)
At-fault accident: National General ($1,383 per year)
DUI: National General ($980 per year)

Nationwide ($2,561), Kemper ($2,951) and The Hartford ($5,294) tend to have the highest annual rates after a speeding ticket, accident or DUI, respectively. The cost of car insurance may increase dramatically after an offense, even with the cheapest car insurance company.

Age Group

Coverage

Incident

Company	Annual Premium	Monthly Premium
CSAA	$512	$43
CSAA	$512	$43
State Farm	$519	$43
CSAA	$520	$43
CSAA	$520	$43
State Farm	$543	$45
GEICO	$557	$46
National General	$558	$47
National General	$558	$47
CSAA	$563	$47
CSAA	$563	$47
GEICO	$563	$47
National General	$575	$48
National General	$575	$48
Mercury	$615	$51
Mercury	$630	$53
Capital Insurance Group	$657	$55
GEICO	$658	$55
GEICO	$662	$55
GEICO	$665	$55
Kemper	$672	$56
Capital Insurance Group	$680	$57
State Farm	$686	$57
National General	$687	$57
National General	$687	$57
Capital Insurance Group	$692	$58
State Farm	$718	$60
Capital Insurance Group	$718	$60
Progressive	$750	$63
Farmers	$755	$63
Farmers	$755	$63
Progressive	$756	$63
Capital Insurance Group	$764	$64
Mercury	$770	$64
Mercury	$771	$64
Kemper	$776	$65
Farmers	$778	$65
Farmers	$778	$65
GEICO	$783	$65
State Farm	$784	$65
Mercury	$789	$66
National General	$792	$66
Travelers	$797	$66
Travelers	$799	$67
Capital Insurance Group	$806	$67
National General	$816	$68
State Farm	$818	$68
Progressive	$824	$69
Progressive	$830	$69
State National	$843	$70
State National	$843	$70
Allstate	$845	$70
Allstate	$850	$71
Hartford	$854	$71
Hartford	$854	$71
Mercury	$857	$71
State National	$869	$72
State National	$869	$72
GEICO	$873	$73
Mercury	$877	$73
GEICO	$883	$74
Farmers	$884	$74
Farmers	$884	$74
Travelers	$884	$74
Travelers	$884	$74
Nationwide	$888	$74
Progressive	$889	$74
Progressive	$896	$75
Progressive	$899	$75
Allstate	$920	$77
Travelers	$921	$77
Nationwide	$924	$77
Chubb	$937	$78
Farmers	$943	$79
Chubb	$960	$80
Mercury	$965	$80
Allstate	$971	$81
Farmers	$972	$81
Allstate	$978	$82
National General	$979	$82
National General	$980	$82
National General	$980	$82
Progressive	$985	$82
Hartford	$985	$82
Hartford	$985	$82
Nationwide	$989	$82
National General	$994	$83
National General	$994	$83
Travelers	$1,018	$85
Kemper	$1,024	$85
Capital Insurance Group	$1,029	$86
Nationwide	$1,030	$86
State National	$1,034	$86
State National	$1,034	$86
GEICO	$1,040	$87
Allstate	$1,061	$88
Progressive	$1,067	$89
Travelers	$1,067	$89
Capital Insurance Group	$1,068	$89
State Farm	$1,069	$89
Travelers	$1,070	$89
Mercury	$1,072	$89
Farmers	$1,104	$92
Chubb	$1,137	$95
Kemper	$1,146	$96
Kemper	$1,146	$96
Chubb	$1,160	$97
Nationwide	$1,177	$98
National General	$1,188	$99
National General	$1,188	$99
Capital Insurance Group	$1,200	$100
Travelers	$1,239	$103
Chubb	$1,250	$104
Hartford	$1,282	$107
Hartford	$1,282	$107
State Farm	$1,288	$107
Nationwide	$1,313	$109
State Farm	$1,350	$113
National General	$1,383	$115
Kemper	$1,393	$116
Kemper	$1,393	$116
National General	$1,401	$117
CSAA	$1,407	$117
State Farm	$1,414	$118
CSAA	$1,429	$119
Capital Insurance Group	$1,439	$120
GEICO	$1,440	$120
Chubb	$1,450	$121
Chubb	$1,471	$123
Capital Insurance Group	$1,480	$123
GEICO	$1,489	$124
Chubb	$1,492	$124
State National	$1,523	$127
Capital Insurance Group	$1,528	$127
CSAA	$1,532	$128
CSAA	$1,532	$128
CSAA	$1,532	$128
CSAA	$1,532	$128
Allstate	$1,544	$129
CSAA	$1,553	$129
Mercury	$1,563	$130
State National	$1,571	$131
Nationwide	$1,572	$131
Capital Insurance Group	$1,573	$131
Mercury	$1,600	$133
State Farm	$1,614	$134
GEICO	$1,615	$135
Allstate	$1,624	$135
Nationwide	$1,638	$136
State Farm	$1,650	$138
GEICO	$1,667	$139
National General	$1,678	$140
CSAA	$1,691	$141
CSAA	$1,691	$141
GEICO	$1,716	$143
Capital Insurance Group	$1,724	$144
State Farm	$1,728	$144
Allstate	$1,733	$144
Allstate	$1,749	$146
Kemper	$1,754	$146
Kemper	$1,754	$146
Progressive	$1,774	$148
Capital Insurance Group	$1,775	$148
Kemper	$1,781	$148
Chubb	$1,783	$149
Progressive	$1,786	$149
Allstate	$1,807	$151
State National	$1,882	$157
Allstate	$1,903	$159
Hartford	$1,906	$159
Hartford	$1,906	$159
State National	$1,911	$159
State National	$1,911	$159
Allstate	$1,912	$159
GEICO	$1,923	$160
Progressive	$1,927	$161
State Farm	$1,930	$161
Progressive	$1,937	$161
Mercury	$1,953	$163
Mercury	$2,002	$167
Allstate	$2,018	$168
State Farm	$2,022	$168
Hartford	$2,026	$169
Farmers	$2,050	$171
Farmers	$2,050	$171
State National	$2,059	$172
State National	$2,059	$172
Mercury	$2,073	$173
Mercury	$2,091	$174
Nationwide	$2,093	$174
Farmers	$2,102	$175
Farmers	$2,102	$175
Nationwide	$2,105	$175
Mercury	$2,135	$178
Progressive	$2,149	$179
Travelers	$2,163	$180
Progressive	$2,187	$182
Kemper	$2,193	$183
Hartford	$2,194	$183
Hartford	$2,194	$183
Progressive	$2,195	$183
Capital Insurance Group	$2,247	$187
Allstate	$2,256	$188
Travelers	$2,269	$189
GEICO	$2,272	$189
Nationwide	$2,297	$191
Progressive	$2,334	$195
Nationwide	$2,346	$196
GEICO	$2,350	$196
Chubb	$2,360	$197
Hartford	$2,372	$198
Capital Insurance Group	$2,391	$199
Travelers	$2,400	$200
Chubb	$2,419	$202
Farmers	$2,496	$208
Farmers	$2,496	$208
Travelers	$2,511	$209
State National	$2,546	$212
State National	$2,546	$212
Nationwide	$2,561	$213
Farmers	$2,563	$214
Mercury	$2,590	$216
Farmers	$2,625	$219
Progressive	$2,651	$221
Kemper	$2,654	$221
State Farm	$2,665	$222
Capital Insurance Group	$2,697	$225
GEICO	$2,709	$226
Travelers	$2,730	$228
Mercury	$2,760	$230
Hartford	$2,835	$236
Hartford	$2,835	$236
Chubb	$2,903	$242
Kemper	$2,951	$246
Kemper	$2,951	$246
Chubb	$2,959	$247
Travelers	$3,014	$251
Nationwide	$3,022	$252
Travelers	$3,028	$252
Farmers	$3,120	$260
Travelers	$3,167	$264
Hartford	$3,168	$264
Chubb	$3,211	$268
Allstate	$3,353	$279
Nationwide	$3,376	$281
State Farm	$3,413	$284
Allstate	$3,537	$295
State National	$3,562	$297
Kemper	$3,734	$311
Kemper	$3,734	$311
Nationwide	$3,736	$311
Chubb	$3,752	$313
Chubb	$3,804	$317
Travelers	$3,840	$320
State National	$3,846	$320
Chubb	$3,860	$322
Allstate	$3,955	$330
State Farm	$3,992	$333
Nationwide	$4,084	$340
CSAA	$4,312	$359
CSAA	$4,317	$360
Kemper	$4,407	$367
Kemper	$4,407	$367
Hartford	$4,560	$380
Chubb	$4,654	$388
CSAA	$4,772	$398
State National	$4,773	$398
Hartford	$5,294	$441
Nationwide	$5,399	$450
Hartford	$6,948	$579

The severity of your driving offense typically affects your premiums. More severe offenses will usually result in higher costs than minor ones. In Fremont, a driver with a speeding ticket may see their rates increase by around $570, while a driver with a DUI could see their premiums increase by roughly $1,936. Nevertheless, there are ways to find affordable car insurance, even with a bad driving history.

Cheapest Car Insurance in Fremont for Teens and Their Families

The following teen car insurance companies offer the best rates for teens who are part of a family policy in Fremont:

State Farm: $2,547 per year for both male and female teens
Farmers: $2,792 per year for both male and female teens

The most expensive company for teens is Nationwide, which charges $5,311 per year for male and female teens.

Age

Gender

Company	Family Plan Annual Premium	Individual Plan Monthly Premium
GEICO	$1,257	$2,011
GEICO	$1,287	$2,059
GEICO	$1,289	$2,267
GEICO	$1,303	$2,163
GEICO	$1,318	$2,109
GEICO	$1,325	$2,331
GEICO	$1,344	$2,463
GEICO	$1,361	$2,394
Progressive	$1,430	$2,253
Progressive	$1,430	$2,253
GEICO	$1,492	$2,221
GEICO	$1,542	$2,537
Progressive	$1,548	$2,439
Progressive	$1,548	$2,439
Allstate	$1,618	$2,616
Allstate	$1,618	$2,616
Progressive	$1,657	$3,014
Progressive	$1,657	$3,014
Capital Insurance Group	$1,668	$2,140
Capital Insurance Group	$1,668	$2,140
Allstate	$1,694	$2,739
Allstate	$1,694	$2,739
Progressive	$1,735	$2,733
Progressive	$1,735	$2,733
Allstate	$1,738	$3,042
Allstate	$1,738	$3,042
Kemper	$1,740	$3,500
Kemper	$1,740	$3,500
Allstate	$1,755	$2,837
Allstate	$1,755	$2,837
State Farm	$1,758	$2,576
State Farm	$1,758	$2,576
State Farm	$1,829	$2,680
State Farm	$1,829	$2,680
Kemper	$1,837	$3,696
Kemper	$1,837	$3,696
Nationwide	$1,846	$3,831
Nationwide	$1,846	$3,831
State Farm	$1,861	$2,907
State Farm	$1,861	$2,907
Allstate	$1,862	$3,056
Allstate	$1,862	$3,056
State Farm	$1,872	$2,742
State Farm	$1,872	$2,742
Capital Insurance Group	$1,899	$2,535
Capital Insurance Group	$1,899	$2,535
Farmers	$1,912	$2,732
Farmers	$1,912	$2,732
GEICO	$1,921	$3,229
Kemper	$1,934	$4,346
Kemper	$1,934	$4,346
Capital Insurance Group	$1,976	$2,535
Capital Insurance Group	$1,976	$2,535
Capital Insurance Group	$1,976	$2,535
Capital Insurance Group	$1,976	$2,535
State Farm	$1,994	$2,964
State Farm	$1,994	$2,964
GEICO	$1,996	$3,724
Kemper	$1,998	$4,020
Kemper	$1,998	$4,020
Nationwide	$2,024	$4,201
Nationwide	$2,024	$4,201
Progressive	$2,054	$3,306
Progressive	$2,054	$3,306
Nationwide	$2,089	$4,805
Nationwide	$2,089	$4,805
GEICO	$2,101	$3,127
State Farm	$2,117	$3,301
State Farm	$2,117	$3,301
Allstate	$2,136	$3,895
Allstate	$2,136	$3,895
State Farm	$2,136	$3,175
State Farm	$2,136	$3,175
Farmers	$2,141	$3,169
Farmers	$2,141	$3,169
Nationwide	$2,170	$4,503
Nationwide	$2,170	$4,503
Allstate	$2,171	$3,562
Allstate	$2,171	$3,562
Travelers	$2,181	$2,962
Travelers	$2,181	$2,962
GEICO	$2,184	$3,595
Capital Insurance Group	$2,205	$2,852
Capital Insurance Group	$2,205	$2,852
Farmers	$2,217	$3,169
Farmers	$2,217	$3,169
Farmers	$2,217	$3,169
Farmers	$2,217	$3,169
Kemper	$2,240	$4,608
Kemper	$2,240	$4,608
Travelers	$2,257	$3,066
Travelers	$2,257	$3,066
Capital Insurance Group	$2,286	$2,852
Capital Insurance Group	$2,286	$2,852
Travelers	$2,303	$3,290
Travelers	$2,303	$3,290
State Farm	$2,352	$4,185
State Farm	$2,352	$4,185
Travelers	$2,353	$3,195
Travelers	$2,353	$3,195
Farmers	$2,395	$3,633
Farmers	$2,395	$3,633
Kemper	$2,426	$4,991
Kemper	$2,426	$4,991
Nationwide	$2,445	$5,267
Nationwide	$2,445	$5,267
Kemper	$2,447	$5,503
Kemper	$2,447	$5,503
Capital Insurance Group	$2,449	$3,167
Capital Insurance Group	$2,449	$3,167
State Farm	$2,494	$4,437
State Farm	$2,494	$4,437
State Farm	$2,547	$4,972
State Farm	$2,547	$4,972
Progressive	$2,561	$4,679
Progressive	$2,561	$4,679
Travelers	$2,570	$3,453
Travelers	$2,570	$3,453
Farmers	$2,588	$4,184
Farmers	$2,588	$4,184
Farmers	$2,612	$3,963
Farmers	$2,612	$3,963
GEICO	$2,654	$4,670
Progressive	$2,722	$4,380
Progressive	$2,722	$4,380
Farmers	$2,725	$5,392
Farmers	$2,725	$5,392
GEICO	$2,782	$5,428
Travelers	$2,789	$3,984
Travelers	$2,789	$3,984
Farmers	$2,792	$5,639
Farmers	$2,792	$5,639
Farmers	$2,801	$5,541
Farmers	$2,801	$5,541
Travelers	$2,832	$3,805
Travelers	$2,832	$3,805
GEICO	$2,845	$5,214
Allstate	$2,850	$5,602
Allstate	$2,850	$5,602
GEICO	$2,918	$5,135
Allstate	$2,951	$5,901
Allstate	$2,951	$5,901
Progressive	$2,956	$5,948
Progressive	$2,956	$5,948
Progressive	$2,975	$6,000
Progressive	$2,975	$6,000
Progressive	$2,987	$6,010
Progressive	$2,987	$6,010
GEICO	$2,999	$6,136
Allstate	$3,002	$5,901
Allstate	$3,002	$5,901
Nationwide	$3,013	$7,281
Nationwide	$3,013	$7,281
GEICO	$3,071	$5,993
Capital Insurance Group	$3,143	$3,919
Capital Insurance Group	$3,143	$3,919
Capital Insurance Group	$3,143	$3,919
Capital Insurance Group	$3,143	$3,919
Capital Insurance Group	$3,143	$3,919
Capital Insurance Group	$3,143	$3,919
Nationwide	$3,214	$6,923
Nationwide	$3,214	$6,923
Kemper	$3,692	$7,514
Kemper	$3,692	$7,514
Travelers	$3,727	$5,023
Travelers	$3,727	$5,023
Travelers	$3,894	$5,248
Travelers	$3,894	$5,248
Travelers	$3,902	$5,508
Travelers	$3,902	$5,508
Kemper	$4,044	$8,231
Kemper	$4,044	$8,231
Kemper	$4,081	$9,175
Kemper	$4,081	$9,175
Nationwide	$4,577	$9,843
Nationwide	$4,577	$9,843
Nationwide	$5,146	$11,068
Nationwide	$5,146	$11,068
Nationwide	$5,311	$13,358
Nationwide	$5,311	$13,358

Teenagers are charged more for insurance if they buy a policy on their own compared to being added to a family policy. In Fremont, a 16-year-old male pays about $673 more for their own coverage than they would on a family policy. Comparing your options for the cheapest auto insurance for teens can save your family thousands of dollars annually.

Cheapest Car Insurance in Fremont for Military Drivers

The most affordable car insurance companies military families in Fremont are:

USAA: $863 per year
National General: $935 per year

Those considering minimum coverage policies may find the most affordable from GEICO ($370 per year) and USAA ($375 per year).

Age Group

Coverage

Company	Annual Premium	Monthly Premium
State Farm	$343	$29
GEICO	$367	$31
GEICO	$370	$31
USAA	$375	$31
USAA	$375	$31
CSAA	$412	$34
CSAA	$418	$35
Progressive	$424	$35
Progressive	$426	$36
GEICO	$436	$36
State Farm	$451	$38
CSAA	$452	$38
USAA	$455	$38
Mercury	$480	$40
Mercury	$491	$41
Progressive	$500	$42
Kemper	$505	$42
State Farm	$516	$43
Travelers	$523	$44
Travelers	$523	$44
National General	$529	$44
National General	$544	$45
Farmers	$555	$46
Farmers	$573	$48
Nationwide	$575	$48
Kemper	$583	$49
Capital Insurance Group	$595	$50
Hartford	$595	$50
State National	$596	$50
Travelers	$598	$50
Nationwide	$598	$50
Mercury	$598	$50
Allstate	$608	$51
Allstate	$613	$51
State National	$614	$51
Capital Insurance Group	$616	$51
Farmers	$651	$54
National General	$651	$54
Allstate	$659	$55
Hartford	$677	$56
Capital Insurance Group	$690	$58
State National	$728	$61
Chubb	$731	$61
Chubb	$753	$63
Nationwide	$758	$63
Kemper	$768	$64
USAA	$843	$70
Hartford	$863	$72
USAA	$863	$72
State Farm	$870	$72
National General	$935	$78
Progressive	$947	$79
National General	$947	$79
Progressive	$954	$79
GEICO	$963	$80
GEICO	$996	$83
USAA	$1,034	$86
Chubb	$1,043	$87
Allstate	$1,067	$89
State Farm	$1,112	$93
Allstate	$1,119	$93
National General	$1,132	$94
Progressive	$1,142	$95
GEICO	$1,147	$96
Mercury	$1,187	$99
CSAA	$1,211	$101
CSAA	$1,212	$101
Mercury	$1,214	$101
Allstate	$1,240	$103
Capital Insurance Group	$1,257	$105
Hartford	$1,284	$107
State Farm	$1,302	$109
Capital Insurance Group	$1,335	$111
CSAA	$1,337	$111
Kemper	$1,342	$112
State National	$1,345	$112
Nationwide	$1,358	$113
Travelers	$1,432	$119
State National	$1,449	$121
Hartford	$1,471	$123
Nationwide	$1,479	$123
Farmers	$1,486	$124
Capital Insurance Group	$1,501	$125
Travelers	$1,502	$125
Farmers	$1,522	$127
Mercury	$1,568	$131
Kemper	$1,651	$138
State National	$1,789	$149
Travelers	$1,793	$149
Chubb	$1,801	$150
Farmers	$1,807	$151
Chubb	$1,860	$155
Hartford	$1,886	$157
Nationwide	$1,941	$162
Kemper	$1,995	$166
Chubb	$2,650	$221

How to Compare Cheap Fremont Car Insurance Quotes Online

Finding the right car insurance can be a time-consuming and tedious process. You have to provide a lot of personal information and spend 15 minutes or more obtaining quotes from each company. MoneyGeek’s auto insurance calculator can quickly provide you with a range of costs based on your age, vehicle type, amount of coverage and driving history.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

State

California

Gender

Female

Age

30-65

Driving Record

Clean

Average Annual Auto Insurance Rates

Click the section of the wheel in your price range to see options.

low end

on average

high end

Click an insurer below to visit their review page or continue to your personalized quote.

CompanyAverage Annual Rates

1.Progressive

$596

2.CSAA

$626

3.USAA

$635

4.GEICO

$646

5.Esurance

$707

Best Car Insurance in Fremont: Summary

The best car insurance in California may vary depending on your priorities, such as cost and service coverage. These are our top-ranked companies in Fremont based on various needs:

Best overall: Progressive (MoneyGeek score 74 out of 100)
Best for service: Chubb (MoneyGeek score 76 out of 100)
Best cheap: GEICO (MoneyGeek score 78 out of 100)

A company's MoneyGeek score can fluctuate depending on the factors given the most weight in each category. Location can also be a determining factor in insurance rates. CSAA is the best overall insurer in California, but Progressive is the top option in Fremont.

Those who are part of the military may fare better with USAA, which earned a score of 85 out of 100 from MoneyGeek.

Best Overall Car Insurance Companies in Fremont

The following companies provide the best overall car insurance to Fremont residents:

Progressive: MoneyGeek score 74 out of 100 ($954 per year)
GEICO: MoneyGeek score 73 out of 100 ($996 per year)

Progressive offers cost-effective policies and excellent customer service, two critical factors required to be the best overall insurer. USAA is our top pick for military members, earning a MoneyGeek score of 85 out of 100.

How was this MoneyGeek score calculated?

pros

Ranked second in affordability

Above-average in general satisfaction

Offers roadside assistance, deductible modification and custom parts coverage

cons

Low rating in claims management

Does not offer new car replacement coverage

COMPANY HIGHLIGHTS

Progressive is the best overall company in Fremont since it balances cost-effectiveness and customer service. Its coverage selection is vast, offering a wide range of options to choose from.

Progressive’s roadside assistance includes towing services, mechanical repairs and flat tire changes if your vehicle breaks down. Additionally, the Deductible Savings Bank allows you to earn savings on your comprehensive and collision deductibles by driving safely, reducing your deductible by $50 for each six-month period that you remain ticket- and accident-free. This benefit resets after filing a claim.

If you're the type of person who likes to add custom parts and equipment (CPE) to your car, you'll probably want to make sure it's covered by your policy. Progressive’s CPE coverage typically has a $5,000 limit, which is enough to cover most after-market accessories like stereos, navigation systems and custom wheels.

Read MoneyGeek's Progressive Auto Insurance Review

Best Car Insurance in Fremont for Customer Service

When cost is excluded from the analysis, the top companies in Fremont for customer service are:

Chubb: MoneyGeek score 76 out of 100 ($1,801 per year)
Capital Insurance Group: MoneyGeek score 68 out of 100 ($1,335 per year)

Chubb has a high claims and satisfaction score, which are two critical factors for excellent service. Policyholders do pay more for this level of service, as the company has the highest premium in the city.

How was this MoneyGeek score calculated?

pros

Scored highly in claims

Excellent score in customer satisfaction

Has rental car and original equipment manufacturer (OEM) coverages

cons

Limited coverage options

Most expensive option in the city

Doesn’t offer roadside assistance, accident forgiveness or other common coverages

COMPANY HIGHLIGHTS

Chubb offers high-quality services and handles claims efficiently. It can help in all aspects of your claim, from estimating the damage to filing all paperwork. Chubb also provides various types of coverage, like rental car reimbursement, which allows you to drive the same kind of car you would normally drive. You may use this coverage if your car is totaled in an accident or is in the shop.

Its OEM coverage is also worth noting. Chubb is one of the insurers that will pay the cost of original parts. Since it doesn’t cut corners with after-market parts, it tends to provide customers with a higher level of service and protection than other insurers.

Policyholders will pay for Chubb’s higher level of service. The insurer is the most expensive provider in Fremont.

Best Cheap Car Insurance Companies in Fremont

Based on our review of the quality of service and affordability for policies that only meet California's minimum coverage requirements, the best companies in Fremont are:

GEICO: MoneyGeek score 78 out of 100 ($370 per year)
Progressive: MoneyGeek score 72 out of 100 ($424 per year)

Minimum coverage policies in Fremont could be the best choice for drivers who want to save money but don't mind sacrificing protection for damage to their own vehicle and extensive liability coverage in the event of an accident.

How was this MoneyGeek score calculated?

pros

An affordable minimum coverage policy costs $370 per year

Offers bundling, airbag and seat belt use discounts

High scores in pricing and customer service

cons

Doesn’t offer paperless and pay-in-full discounts

Below-average scores in coverage and claims

COMPANY HIGHLIGHTS

GEICO provides low rates and high-quality service for drivers looking for minimum coverage in Fremont. To help policyholders save even more money, the insurer's discount options are helpful.

You can get a discount on your car and home coverage when you combine them in one policy. GEICO also provides discounts if your car has airbags. You’ll also get rewarded for using your seat belt at all times because GEICO will lower your rates if you do. GEICO is one of the few insurers that has this kind of discount.

GEICO even offers person-specific discounts to help certain demographics of drivers save money on their premiums. These discount opportunities are available for seniors, teachers, members of affinity organizations, federal employees, military members and students.

Read MoneyGeek's GEICO Auto Insurance Review

Average Cost of Car Insurance in Fremont

The average cost of car insurance in Fremont is $1,296 as of October 2022. Compared to the national and California car insurance cost averages, this figure is $31 higher and $91 lower, respectively. These numbers are for full coverage with $100,000 in bodily injury liability per person and $300,000 in bodily injury liability per accident. Even though location is a key component in determining insurance premiums, it's not the only factor insurers consider.

About Mark Fitzpatrick

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.

Cheapest and Best Car Insurance Companies in Fremont, CA

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On This Page:

Cheapest Minimum Liability Car Insurance in Fremont

Cheapest Full Coverage Car Insurance in Fremont

Cheapest Car Insurance in Fremont After a Driving Offense

Cheapest Car Insurance in Fremont for Teens and Their Families

Cheapest Car Insurance in Fremont for Military Drivers

How to Compare Cheap Fremont Car Insurance Quotes Online

Best Car Insurance in Fremont: Summary

Best Overall Car Insurance Companies in Fremont

pros

cons

COMPANY HIGHLIGHTS

Best Car Insurance in Fremont for Customer Service

pros

cons

COMPANY HIGHLIGHTS

Best Cheap Car Insurance Companies in Fremont

pros

cons

COMPANY HIGHLIGHTS

Average Cost of Car Insurance in Fremont