In the fourth-largest city in Silicon Valley, Fremont drivers have an average commute time of 34 minutes, according to the U.S. Census Bureau’s 2022 data.^[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 average monthly premiums are $253 for full coverage and $113 for liability only.

Here’s how to shop for and find affordable auto insurance in Fremont, California.

Quick Facts

California prohibits car insurance companies from using your credit score when determining premiums.^[2]
Fremont’s average monthly liability-only rates are $57 cheaper than national monthly average rates.
Eligible drivers can apply for California’s Low Cost Auto Insurance plan for affordable insurance coverage.

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Best 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 the best auto insurers in Fremont, California.

Best for drivers with at-fault accidents: Mile Auto

Drivers with At-Fault AccidentsMile Auto

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.4
A.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).	NR
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.	$70/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.	$126/mo

Overview

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 only for the miles driven.

Pros and cons

Pros

No tracking boxes
Savings for drivers who don’t often drive

Cons

Subpar Trustpilot ratings
Not Better Business Bureau (BBB) accredited

Best for teen drivers: Clearcover

Teen DriversClearcover

Compare personalized, real-time quotes

IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	3.1
A.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).	NR
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.	$68/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.	$138/mo

Overview

Clearcover provides highly competitive car insurance rates tailored for drivers with a history of speeding tickets. It prioritizes convenience by offering streamlined processes for obtaining a personalized quote. If you need to file a claim, Clearcover boasts an efficient claims process that you can complete in as little as seven minutes.

Pros and cons

Pros

Fast claim-filing process
Can manage policy from mobile app

Cons

Limited discounts available
Can’t bundle other insurance products

Reviews

I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.

Catherine - January 14, 2023

Verified

Great service, low price, very helpful staff

Jack - September 12, 2022

Verified

The price was right, but only lasted for six months

Kelvin - September 3, 2022

Verified

Read our Clearcover review

Best for military members: USAA

Military MembersUSAA

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IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.	4.3
JD Power J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.	880
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.	$93/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.	$186/mo

Overview

USAA provides highly rated car insurance to active and retired military service members 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 and cons

Pros

High customer satisfaction ratings
Bundling and military-specific discounts available

Cons

Higher average premiums than other insurers
Doesn’t offer gap insurance

Reviews

Overall poor service, took a safe driving discount away because I wasn’t driving enough.

Kenneth - September 9, 2023

Verified

They Serve The Veteran.

Jack - September 7, 2023

Verified

Raised rates nearly 43%.

Jan - June 19, 2023

Verified

Read our USAA review

Cheapest liability-only car insurance in Fremont

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.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Clearcover	68
Mile Auto	70
Mercury	86
USAA	93
Safeco	106
National General	114

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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

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 protection for their cars.

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	126
Clearcover	138
Mercury	152
Safeco	182
USAA	186
Travelers	220

Estimate your insurance costs

State

Age

Credit Score

Are you insured

Your estimated deal

*Estimate based on a market average of rates provided to other users like you.

Select discounts that apply to you

I’m a good driver

Save 35%

I’m a homeowner

Save 5%

I’m married

Save 24%

I have multiple cars

Save 38%

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. Here are the current minimum requirements:^[3]

Coverage	Minimum Requirements
Bodily injury liability	$15,000 per person $30,000 per accident
Property damage liability	$5,000

Important Information

On Jan. 1, 2025, California’s minimum car insurance requirements are increasing to 30/60/15. This 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.^[4]

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

This reimburses for damage to your car in a collision with another vehicle or object when you’re responsible.

Comprehensive coverage

This covers theft and noncollision damages, like fire, vandalism, theft, falling objects, or natural disasters.

Glass coverage

This 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 a year, depending on the county. You can also add medical payments and uninsured/underinsured motorist coverages for $37 to $107 a 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 due to the increased risk they pose on the road.^[5]

If you have too many incidents on your record, the state 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 Cheap Car Insurance in Fremont

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Cheapest car insurance for drivers with a speeding ticket

Having a speeding ticket on your record will likely result in higher auto insurance premiums, compared to having a clean driving record.^[5] To help you budget and shop for car insurance costs, here are the average monthly liability-only quotes from the cheapest insurers in Fremont.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	186
Clearcover	204
Mercury	224
Safeco	268
USAA	274
National General	342

Cheapest car insurance for drivers with an at-fault accident

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 charge more.^[5] If you’re in Fremont and have an at-fault accident on your record, explore the cheapest car insurance companies below.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	177
Clearcover	194
Mercury	214
Safeco	256
USAA	261
National General	326

Learn More: Is Accident Forgiveness Worth It?

Cheapest car insurance for drivers with a DUI

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.^[5] If you have a DUI on your record in Fremont, 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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	190
Clearcover	208
Mercury	229
Safeco	274
USAA	280
National General	349

Cheapest car insurance for seniors

Your age significantly influences car insurance rates.^[6] Generally, the average cost of car insurance decreases around 35 years old as drivers become more experienced. However, around age 75, premiums may slightly rise due to factors like potential health concerns and increased accident risks.^[7]

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: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	68
Clearcover	74
Mercury	82
Safeco	98
USAA	100
National General	124

Cheapest car insurance for teens

Teen drivers typically have higher rates than older drivers, primarily due to their lack of driving experience and higher risk profiles.^[6] 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 in Fremont.

The below rates are estimated rates current as of: Monday, September 18 at 12:00 PM PDT.

Insurance Company	Average Monthly Quote
Mile Auto	219
Clearcover	240
Mercury	264
Safeco	316
USAA	323
National General	403

How to get the cheapest car insurance in Fremont

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, over time, it will matter less to insurers, 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, 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 antilock 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

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Is car insurance more expensive in Fremont?

The average monthly cost of full-coverage car insurance in the U.S. is $253, which is exactly what Fremont drivers pay for the same insurance.

“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.”

However, it’s important to note that insurance rates can significantly differ among ZIP codes due to factors such as weather, crime, and traffic.^[6]

More cities in California

Drivers in other California cities can anticipate lower monthly car insurance prices than in Fremont. For example, Santa Ana drivers have average monthly quotes of $228. But drivers in other cities like San Francisco averaged higher, at $317.

Because ZIP codes affect your car insurance prices, premiums can vary by county and city in California.^[6] Here are the average full-coverage quotes for other California cities and how they compare to Fremont’s average full-coverage quote of $253.

City	Average Monthly Quote	Compared to Fremont
Anaheim	$258	2%
Bakersfield	$244	-3%
Fresno	$234	-8%
Irvine	$234	-8%
Long Beach	$264	4%
Los Angeles	$349	38%
Modesto	$223	-12%
Oakland	$273	8%
Riverside	$257	2%
Sacramento	$264	4%
San Diego	$223	-12%
San Francisco	$317	25%
San Jose	$258	2%
Stockton	$249	-1%

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $253 a month for full coverage and $113 a month for liability only.
What are the best car insurance companies in Fremont?
One of the best car insurance companies in Fremont, California, is USAA, as it has a high Insurify Quality Score, strong customer satisfaction reviews, and solid financial stability ratings. Since USAA is only available to active and retired military members 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 15/30/5 liability policy limits, which translates to $15,000 per person for bodily injury liability, $30,000 per accident for bodily injury liability, and $5,000 per accident for property damage liability.^[3]
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.^[2] However, they can use your ZIP code, 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 50+ 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

Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:

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.

More cities in California

Popular cities

Sources

U.S. Census Bureau. "QuickFacts: Fremont city, California." Accessed June 28, 2023
Federal Trade Commision. "Credit-Based Insurance Scores: Impact on Consumer of Auto Insurance." Accessed June 28, 2023
California DMV. "Auto Insurance Requirements." Accessed June 28, 2023
California Legislative Information. "SB-1107 Vehicles: insurance.." Accessed June 28, 2023
III. "Do auto insurance premiums go up after a claim?." Accessed June 28, 2023
III. "What determines the price of an auto insurance policy?." Accessed June 28, 2023
III. "Senior driving safety and insurance tips." Accessed June 28, 2023

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.

Learn More

Edited byCourtney MikulskiSenior Editor, Auto

Courtney MikulskiSenior Editor, Auto

3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

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Table of contentsCompare quotes

Shop for Cheap Car Insurance in Fremont

Best car insurance companies in Fremont

Best for drivers with at-fault accidents: Mile Auto

Drivers with At-Fault AccidentsMile Auto

Best for teen drivers: Clearcover

Teen DriversClearcover

Best for military members: USAA

Military MembersUSAA

Cheapest liability-only car insurance in Fremont

Cheapest full-coverage car insurance in Fremont

Estimate your insurance costs

Select discounts that apply to you

Age

Credit Score

Are you insured

Your estimated deal

Select discounts that apply to you

Car insurance requirements in California

Collision coverage

Comprehensive coverage

Glass coverage

Gap coverage

California’s low-cost auto insurance plan

Cheapest car insurance for drivers with an incident

Shop for Cheap Car Insurance in Fremont

Cheapest car insurance for drivers with a speeding ticket

Cheapest car insurance for drivers with an at-fault accident

Learn More: Is Accident Forgiveness Worth It?

Cheapest car insurance for drivers with a DUI

Cheapest car insurance for seniors

Cheapest car insurance for teens

How to get the cheapest car insurance in Fremont

Shop for Cheap Car Insurance in Fremont

Is car insurance more expensive in Fremont?

More cities in California

Fremont car insurance FAQs

Methodology

Related articles

More cities in California

Popular cities

Sources

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