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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.

MoneyGeek Logo IconCheapest + BestCar InsuranceFremont
2023

Cheapest and Best Car Insurance in Fremont, CA

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.

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.

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.

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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.

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.

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).

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.

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Progressive

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?

Progressive

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?

Chubb

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?

GEICO

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 headshot

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.