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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 Cheap Car Insurance Companies in Fremont

In Fremont, the most affordable car insurance provider is Esurance, with coverage that’s typically 77.3% cheaper on average than Allied, the city’s most expensive auto insurance firm.

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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.

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Cheapest Car Insurance in Fremont by Coverage Amount

How much car insurance coverage you purchase in Fremont also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

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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 by Coverage Type

Liability Only
Full Coverage
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Cheapest Car Insurance in Fremont if You Have Tickets

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
  • $1,143
    $1,403
    $2,237
  • 2. USAA
    $1,137
    $1,811
    $2,928
  • $1,607
    $1,836
    $2,530
  • $1,919
    $2,083
    $2,382
  • $1,742
    $2,312
    $2,179
  • 6. CSAA
    $1,426
    $1,426
    $4,034
  • $1,618
    $2,030
    $3,578
  • $1,980
    $2,475
    $2,475
  • $1,825
    $1,902
    $3,803
  • $2,312
    $2,548
    $3,199
  • 11. Allied
    $2,251
    $2,585
    $3,884
  • $1,401
    $1,820
    $6,763
  • $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
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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

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

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


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.