Cheapest Auto Insurance in Fremont, California (2025)
USAA offers the cheapest car insurance in Fremont, with minimum-coverage policies as low as $83 per month.
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Written byJacqueline DeMarco
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13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Reviewed byMark Friedlander
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.
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Table of contents
In the fourth-largest city in Silicon Valley, Fremont drivers have an average commute time of 34 minutes.[1] And those commuters need car insurance that meets California’s minimum requirements. Luckily, drivers in the city pay average car insurance costs similar to the state’s average. Fremont’s overall average monthly premiums are $159 per month compared to the overall California average of $151 per month.
But Fremont’s rates are higher than the overall national average of $144. The city’s large population size, as well as the state’s risk of weather-related vehicle damage, could contribute to its higher costs.
Here’s how to shop for and find affordable auto insurance in Fremont, California.
Quick Facts
Fremont’s average monthly premiums are $226 for full coverage and $92 for liability only.
USAA, National General, and Sun Coast offer the cheapest car insurance in Fremont.
California prohibits car insurance companies from using your credit history, gender, and ZIP code when determining premiums.[2]
3 of the cheapest car insurance companies in Fremont
When it comes to finding the cheapest car insurance in Fremont, the ideal insurance company for you depends on your specific circumstances and coverage needs. You need to get multiple quotes from different insurers and compare their offerings to find the most affordable option that meets your needs.
Here are some of the best auto insurers in Fremont, California.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Drivers with at-fault accidents |
| Mercury | 7.5 | $202 | $113 | Discounts |
| USAA | 9.1 | $186 | $80 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for drivers with at-fault accidents: Mile Auto
| User Reviews | 4.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.8 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $63/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $100/mo |
4.1
Best choiceBased on 137 verified guest reviews and ratings
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
How drivers feel about Mile Auto
Drivers appreciate the quality service but find the rates high and claim processing slow.
AI-generated from the text of verified reviews collected by Insurify
Best For
Low-mileage drivers
Senior drivers
Cheap full coverage
Reviews (48)
Lesheka
Verified Purchase
Surprise Prices
Reviewed in on August 2025
I don’t like high bills, and they told me one price, then it was higher than before. It went from $167 to $470, which is higher than Progressive. I should go back to them, plus I have put a down payment. So I’m not pleased.
Bryan
Verified Review
Happy Customer
Reviewed in Tennessee on August 2025
I would like them to mail me annual wallet-sized insurance cards to show my coverage.
Walt
Verified Review
Typically, we don't use insurance and do not drive much. The fees we pay are absolutely reasonable.
Reviewed in Arizona on July 2025
Low rate plus monthly mileage fee. No other insurer gets even close to my monthly fee.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.18A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NRWhy we picked this company
Having an accident on your record can make car insurance more expensive. Drivers with a muddy driving record may want to consider Mile Auto. Mile Auto offers pay-per-mile insurance coverage that it claims saves customers 30% to 40%. Catering to people who drive fewer than 10,000 miles annually, Mile Auto ensures fair and cost-effective coverage by charging a low base rate and per-mile charge only for the miles you drive each month.
Pros
No tracking boxes
Savings for people who don’t drive often
Cons
Subpar Trustpilot ratings
Doesn't offer discounts
Best insurer for discounts: Mercury
| User Reviews | 3.7 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.5 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $113/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $206/mo |
3.7
A solid optionBased on 554 verified guest reviews and ratings
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
How drivers feel about Mercury
Drivers appreciate the attentive customer service and claim handling but dislike the consistent rate increases and lack of transparency in pricing. Some also found the company to be lacking in empathy and flexibility.
AI-generated from the text of verified reviews collected by Insurify
Best For
Competitive rates
Rideshare drivers
Numerous discounts
Reviews (292)
Lawrence
Verified Review
Beware Homeowners
Reviewed in Georgia on June 2025
Sad company charging a 5% deductible for wind and hail damage, especially if the home is older than 5 years.
Scherrie
Verified Review
Rates
Reviewed in California on May 2025
Increased rates every half year.
Diana
Verified Review
Outrageous Premium Escalation
Reviewed in Florida on May 2025
To get my business, they promised a rate of $104 per month. Oops! Somebody made a calculation error; it was actually $127 per month. This amount has escalated every three months for the last 29 months. The June 2025 renewal rate is $256 per month. All this even though I have retired and for the last 18 months drive less than 25 miles per week. Add this to the fact that I have no tickets, no DUI, and filed no claims with any insurance company in more than 10 years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
596NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.95A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Mercury is among the cheapest insurers for Fremont drivers, and its low rates combined with a variety of discounts can help drivers realize monthly savings. A regional insurer, Mercury offers discounts for being a good driver, enrolling in autopay, paying your premium in full, bundling, being a good student, and more.
Pros
Competitive rats for Fremont drivers
Numerous coverage options, discounts, and bundling opportunities
Cons
Only available in 11 states
IQ score is not the highest among competitors for Fremont drivers
Best insurer for military members: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $83/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $199/mo |
4.9
Best choiceBased on 2,140 verified guest reviews and ratings
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (1,210)
Elisabeth
Verified Review
USAA
Reviewed in Michigan on August 2025
Excellent, especially customer service.
Richard
Verified Review
Raised Monthly Payments on First Renewal
Reviewed in California on August 2025
My policy dropped, but on the first renewal, they raised my monthly payment.
Patrick
Verified Review
USAA Evaluation
Reviewed in Washington on August 2025
Super for 55+ years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
739NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.31A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides highly rated car insurance to active-duty military service members, veterans, and their immediate families. With high J.D. Power customer satisfaction ratings in California, it’s one of the best car insurance companies — if you’re eligible for membership. USAA also offers customizable coverage and plenty of discounts for savings.
Pros
High customer satisfaction ratings
Bundling and military-specific discounts available
Cons
Higher average premiums than other insurers
Doesn’t offer gap insurance
How to get the cheapest car insurance in Fremont
If you’re looking for cheap auto insurance in Fremont, consider these tactics for lowering insurance rates:
Shop around. Begin by comparing quotes from various insurance companies to find the insurer that offers the best rates for your specific insurance coverage needs.
Bundle insurance policies. Take advantage of multi-policy discounts by combining your car insurance with other policies, like home or renters insurance, to enjoy savings on both insurance products.
Keep your record clean. Ensure a clean driving record by obeying traffic laws and avoiding traffic violations. Even if you have a speeding ticket on your record, it will matter less to insurers over time, and your premiums will start to decrease as you maintain a clean driving record.
Choose a higher deductible. Lower your premium by picking a higher deductible amount for your collision and comprehensive coverages, but make sure you have enough funds set aside to cover it if necessary.
Ask about discounts. Don’t overlook potential discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems, which can contribute to more affordable insurance rates. You can call car insurance companies and speak with insurance agents to find out which discounts you qualify for.
Shop for Cheap Car Insurance in Fremont
Liability rates start as low as $92 per month
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Cheapest liability-only car insurance in Fremont: USAA
Liability-only car insurance is a policy that safeguards you from financial liabilities after accidents you cause. It covers the other party’s medical bills, property damage, and legal expenses up to your policy’s limits.
This insurance doesn’t include coverage for your own vehicle repairs, injuries, or theft. California law requires drivers to have liability insurance to operate a vehicle on public roads, providing essential protection while keeping premiums lower than full-coverage insurance options.
Liability-only insurance in Fremont costs an average of $92 per month.
The table below shows the cheapest average car insurance companies for liability-only policies in Fremont.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| National General | $93 |
| Sun Coast | $101 |
| Root | $103 |
| Dairyland | $106 |
| Anchor | $108 |
| Mercury | $113 |
| Allstate | $114 |
| Direct Auto | $117 |
| Farmers | $118 |
| State Farm | $127 |
| Bristol West | $133 |
| Travelers | $134 |
| GEICO | $135 |
| 21st Century | $146 |
| Nationwide | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fremont: Anchor
Liability-only car insurance covers damages and injuries caused to others, so this excludes your own vehicle. Full-coverage car insurance includes liability protection and collision and comprehensive coverages. Full coverage is beneficial for drivers who have new or expensive vehicles, drive in accident-prone areas, and want more financial protection for their cars.
Drivers in Fremont pay a monthly average of $226 for full-coverage insurance.
The following car insurance companies offer the cheapest average quotes for full-coverage policies in Fremont, based on Insurify data.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Anchor | $180 |
| Root | $194 |
| USAA | $199 |
| Mercury | $206 |
| GEICO | $209 |
| Sun Coast | $253 |
| National General | $270 |
| Allstate | $275 |
| Farmers | $283 |
| State Farm | $306 |
| Bristol West | $319 |
| Direct Auto | $321 |
| Travelers | $321 |
| 21st Century | $350 |
| Dairyland | $363 |
| Nationwide | $432 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Fremont, California
Drivers in and around Fremont, California have found policies from Anchor, Bristol West, Mercury, and more, through Insurify in the last few days.
*Quotes generated for Insurify users in and around Fremont, California within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fremont, California within the last 10 days. Last updated on August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from August 14, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in California
California requires every driver to carry a minimum amount of liability insurance coverage, which includes bodily injury liability and property damage liability.
State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:[3]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
Liability-only coverage is the most basic form of car insurance, so it’s typically the cheapest. After fulfilling mandatory liability requirements, you can consider purchasing additional coverage options for more protection, like:
Collision coverage
Collision insurance reimburses you for damage to your car in a collision with another vehicle or stationary object, such as a tree or light pole, when you’re responsible. Collision also pays for rollover accidents and pothole damage.
Comprehensive coverage
Comprehensive insurance covers theft and non-collision damages, like theft, vandalism, fire, falling objects, or natural disasters, including floods and wildfires.
Glass coverage
Glass coverage protects against windshield and glass damage, including side windows, rear windows, and glass sunroofs.
Gap coverage
If you finance or lease your vehicle, gap insurance covers the remaining balance between your loan and your insurance settlement after a total loss.
California’s low-cost auto insurance plan
California’s Low Cost Auto (CLCA) Insurance plan provides qualifying drivers with affordable car insurance if they meet the following requirements:
Meet income eligibility
Have a car valued at $25,000 or less
Are a good or new driver
Are at least 16 years old
Have a valid California driver’s license
If you qualify for CLCA, car insurance costs are $232 to $932 per year, depending on the county. You can also add medical payments and uninsured/underinsured motorist coverages for $37 to $107 per year. If you’re interested in the CLCA program, you can learn more about it and apply at MyLowCostAuto.com.
Cheapest car insurance for drivers with an incident
Incidents refer to at-fault accidents, speeding tickets, driving under the influence, or other moving violations. Insurance companies typically increase premiums for drivers with incidents like these for three to five years due to the increased risk they pose on the road.[4]
If you have too many incidents on your record, the California Department of Motor Vehicles may require you to file an SR-22 form to prove you meet state-minimum insurance requirements. High-risk drivers can have trouble finding affordable car insurance when they have negative marks on their driving history, but it’s still possible.
Shop for Car Insurance in Fremont, CA
Monthly rates start at $97 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: USAA
Having a speeding ticket on your record will likely result in a multi-year surcharge on your policy and higher auto insurance premiums compared to having a clean driving record.[4]
Drivers in Fremont with a speeding ticket pay an average of $112 per month for liability coverage and $275 per month for full coverage.
In the table below, you can see how rates compare for drivers with a clean record versus drivers with a speeding ticket.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Tickets |
|---|---|---|
| USAA | $83 | $102 |
| National General | $93 | $114 |
| Sun Coast | $101 | $123 |
| Root | $103 | $132 |
| Dairyland | $106 | $130 |
| Anchor | $108 | $133 |
| Mercury | $113 | $150 |
| Allstate | $114 | $140 |
| Direct Auto | $117 | $145 |
| Farmers | $118 | $146 |
| State Farm | $127 | $155 |
| Bristol West | $133 | $166 |
| Travelers | $134 | $167 |
| GEICO | $135 | $170 |
| 21st Century | $146 | $184 |
| Nationwide | $179 | $222 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: USAA
An at-fault accident on your driving record can raise your auto insurance premiums, as it poses a financial risk for insurance companies. To account for the additional risk, insurers add a multi-year surcharge that will increase your car insurance premium.
If you have an accident on your record in Fremont, you might pay a monthly average of $106 per month for a liability policy and $261 per month for a full-coverage policy.
If you’re in Fremont and have an at-fault accident on your record, see how rates compare to rates with a clean driving record in the table below.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $83 | $101 |
| National General | $93 | $114 |
| Sun Coast | $101 | $117 |
| Root | $103 | $123 |
| Dairyland | $106 | $131 |
| Anchor | $108 | $134 |
| Mercury | $113 | $154 |
| Allstate | $114 | $139 |
| Direct Auto | $117 | $149 |
| Farmers | $118 | $145 |
| State Farm | $127 | $154 |
| Bristol West | $133 | $164 |
| Travelers | $134 | $165 |
| GEICO | $135 | $156 |
| 21st Century | $146 | $181 |
| Nationwide | $179 | $220 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
)
Learn More: Is Accident Forgiveness Worth It?
Cheapest car insurance for drivers with a DUI: USAA
DUIs are a serious offense and result in substantially higher car insurance premiums. Insurance companies view a history of DUIs as a major financial risk, which is why they increase rates for high-risk drivers.
Liability policies cost an average of $148 per month in Fremont for drivers with a DUI.
Refer to the table below to discover the cheapest average car insurance quotes tailored to drivers with this incident.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $83 | $128 |
| National General | $93 | $143 |
| Sun Coast | $101 | $163 |
| Root | $103 | $159 |
| Dairyland | $106 | $163 |
| Anchor | $108 | $163 |
| Mercury | $113 | $176 |
| Allstate | $114 | $176 |
| Direct Auto | $117 | $180 |
| Farmers | $118 | $182 |
| State Farm | $127 | $196 |
| Bristol West | $133 | $205 |
| Travelers | $134 | $207 |
| GEICO | $135 | $208 |
| 21st Century | $146 | $225 |
| Nationwide | $179 | $276 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age influences car insurance rates significantly.[5] The average cost of car insurance generally decreases around 25 years old as drivers become more experienced. But around age 70, premiums may rise slightly due to factors like increased accident risks.[6]
Senior drivers in Fremont pay $201 per month for full-coverage insurance, and $82 for minimum coverage, on average.
To help you get started in your search for cheap car insurance, here are the most affordable car insurance companies for senior drivers in Fremont.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $69 |
| National General | $75 |
| Dairyland | $89 |
| Root | $89 |
| Sun Coast | $90 |
| Anchor | $91 |
| Farmers | $96 |
| Direct Auto | $96 |
| Mercury | $96 |
| Allstate | $96 |
| State Farm | $103 |
| Travelers | $110 |
| GEICO | $111 |
| Bristol West | $112 |
| 21st Century | $117 |
| Nationwide | $141 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: USAA
Teen drivers typically have higher rates than older drivers, primarily due to their lack of driving experience and higher risk profiles.
Liability-only insurance costs teen drivers an average of $177 per month in Fremont, and full coverage costs $435 per month. Teen drivers aren’t legally able to buy their own car insurance policies unless they have the written consent of a parent or guardian.
If you want affordable car insurance as a teen, consider staying on a parent’s insurance policy, as it often results in more affordable rates. Additionally, driving a safe and reliable car equipped with good safety features and maintaining good grades to qualify for a good student discount can help reduce insurance costs.
Here are the insurers with the cheapest average quotes for teen drivers on their own policies in Fremont.
The below rates are estimated rates current as of: Tuesday, August 12 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $156 |
| Dairyland | $181 |
| Root | $184 |
| Anchor | $194 |
| Sun Coast | $194 |
| National General | $194 |
| Mercury | $216 |
| Allstate | $229 |
| Farmers | $231 |
| Direct Auto | $236 |
| Bristol West | $244 |
| GEICO | $246 |
| State Farm | $247 |
| 21st Century | $273 |
| Travelers | $274 |
| Nationwide | $355 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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4.8/5
Is car insurance more expensive in Fremont?
The average monthly cost of full-coverage car insurance in the U.S. is $184, compared to $226 in Fremont.
“Car insurance is based on how dense the population of a given city is, coupled with driving habits of the individual driver seeking insurance, as well as the population at large,” says Steve Rivera, partner at The Liberty Company Insurance Brokers. “In addition, crime rates within a geographic region will also impact pricing.”
But it’s important to note that insurance rates can differ significantly among locations due to factors such as weather, crime, and traffic.
More cities in California
Because location affects your car insurance prices, premiums can vary by county and city in California. Here are average liability-only and full-coverage quotes for some other California cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Anaheim | $224 | $224 |
| Bakersfield | $202 | $83 |
| Long Beach | $251 | $116 |
| Los Angeles | $335 | $161 |
| Modesto | $211 | $95 |
| Oakland | $258 | $104 |
| Riverside | $208 | $97 |
| Sacramento | $231 | $106 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fremont car insurance FAQs
You can learn more about car insurance costs in different states to see how California premiums compare across the country. Here are the answers to common questions about Fremont car insurance.
How much is car insurance in Fremont?
The average cost of car insurance in Fremont is $226 per month for full coverage and $92 per month for liability only.
Which company has the cheapest car insurance in Fremont?
USAA has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $83. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $93 and $101.
But the cheapest insurer for you will depend on many factors, such as your age, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fremont?
One of the best car insurance companies in Fremont, California, is USAA. It has a high Insurify Quality Score of 9.1 out of 5, strong customer satisfaction reviews, and solid financial stability ratings. Since USAA is only available to active-duty military, veterans, and their families, other runners-up include GEICO and Allstate, although you may experience higher-than-average premiums with these insurers.
What is the minimum car insurance requirement in California?
California requires 30/60/15 liability policy limits, which translates to $30,000 per person for bodily injury liability, $60,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability. But these liability limits are only a minimum, and insurance professionals generally recommend you buy liability limits above state minimums for a greater level of financial protection.
Can insurers in Fremont use your credit score to set premiums?
No. Car insurance companies in Fremont, California, can’t use your credit score when underwriting your premiums. But they can use your location, age, vehicle type, and driving history to determine your price.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- U.S. Census Bureau. "QuickFacts: Fremont city, California."
- Federal Trade Commission. "Credit-Based Insurance Scores."
- California Department of Motor Vehicles. "Insurance Requirements."
- Insurance Information Institute. "Do auto insurance premiums go up after a claim?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- Insurance Information Institute. "Senior driving safety and insurance tips."
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Jacqueline DeMarco
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
Jacqueline has been a contributor at Insurify since October 2022.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Corporate communications director for Insurance Information Institute
20+ years in insurance and communications
As Director, Corporate Communications for Triple-I, Mark serves as the non-profit’s national spokesperson, sharing information and education on a wide array of insurance issues.