120+ more*Quotes generated for Insurify users in and around Fremont, California within the last 10 days. Last updated on July 8, 2026. 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 July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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USAA is the cheapest company for auto insurance in Fremont.
Fremont drivers pay an average monthly rate of $138 for car insurance, which is lower than the California state average of $148 per month.
Fremont is located in Alameda County, which experienced 6,425 vehicle thefts in the first quarter of 2025.
Fremont drivers pay an average of $85 per month for liability insurance and $190 per month for full-coverage car insurance, according to Insurify data.
The city’s average monthly premium of $138 is slightly lower than the California state average of $148 per month.
Fremont drivers also pay less than drivers in nearby San Francisco, who pay an average of $171 per month, likely due to Fremont’s significantly lower population density. The following table shows how average car insurance rates in Fremont compare to the California average.
Car Insurance Costs in Fremont vs. California  | Average Monthly Quote |
|---|---|
| Fremont average | $138 |
| California average | $148 |
For cheap liability car insurance in Fremont, USAA offers some of the lowest average monthly rates, at $63.
Aspire General offers the cheapest full-coverage car insurance in Fremont, with an average rate of $116 per month.
Liability quotes start at $63/mo.
Situated in the Bay Area and surrounded by the Diablo Range, Fremont is a popular and beautiful California suburb. Here are some things to consider about driving in Fremont:
Red light cameras: In 2000, the city of Fremont installed red light cameras to deal with an increase in traffic-related accidents. There are currently 15 red light cameras located at 10 intersections across the city.
Vision Zero initiative: Vision Zero is a city-wide initiative that aims to end serious crashes and traffic fatalities. The program combines public education with enforcement efforts to address the most common causes of crashes, which include speeding, distracted driving, and failing to yield.[1]
Risk of flooding: Fremont is located in Alameda County, which is at risk of flooding during periods of heavy rainfall. The main flood threats come from Alameda Creek.
Busy highways: Although Fremont is smaller and has a lower population density than other cities in the Bay Area, drivers have to deal with heavy rush hour congestion, especially near the I-880/I-680 interchange.
Alameda County has some of the highest vehicle theft rates in the county. It’s currently ranked sixth out of all counties nationwide and experienced 6,425 thefts in the first quarter of 2025.
But that’s down 42% from a year earlier, and is far below that of Los Angeles County, which had 25,002 vehicle thefts during that same time period, according to data from the National Insurance Crime Bureau (NICB). This, and Fremont’s traffic initiatives, could help explain why Fremont’s rates are slightly below the state average.
Fremont’s average monthly premiums fall below not only the state average, but also nearby cities like Oakland and San Francisco. Just 17 miles south in San Jose, drivers pay very similar average rates to Fremont drivers. This is likely due to Fremont’s lower crime rates and lower population density.
While many busy roadways cross through Fremont, they don’t see as much congestion as those surrounding bigger cities, which reduces accident risk.
The following table compares the average car insurance costs in Fremont with those in other California cities.
City | Average Monthly Quote |
|---|---|
| Anaheim | $163 |
| Bakersfield | $132 |
| Berkeley | $153 |
| Chula Vista | $128 |
| Elk Grove | $143 |
| Fremont | $138 |
| Fresno | $131 |
| Glendale | $268 |
| Long Beach | $171 |
| Los Angeles | $225 |
| Modesto | $143 |
| Moreno Valley | $147 |
| Oakland | $170 |
| Oxnard | $138 |
| Riverside | $150 |
| Sacramento | $158 |
| San Bernardino | $157 |
| San Diego | $130 |
| San Francisco | $171 |
| San Jose | $136 |
| Santa Ana | $154 |
| Santa Barbara | $120 |
| Santa Clara | $143 |
| Santa Maria | $114 |
| Stockton | $146 |
| Temecula | $130 |
| Victorville | $161 |
Fremont is the fourth-largest city in Silicon Valley and a major manufacturing hub with an average commute time of 30 minutes.[2]
The city is located near San Francisco, so traffic congestion plays an important role in insurance costs. Major routes like State Route 84 and the Dumbarton Bridge carry thousands of commuters each day, increasing drivers’ exposure to accidents.[3]
The city’s Vision Zero program targets crash reduction through traffic-safety improvements and enforcement efforts focused on speeding and other risky driving behaviors. Traffic typically increases during summer travel periods, adding to overall congestion.
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Anuj has 25+ years of experience in auto, home, and renters insurance. As a digital insurance agent at Insurify, he takes pride in helping customers understand their coverage and in offering risk-management strategies tailored to each customer’s needs.
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Mallory has 10+ years of experience in property and casualty insurance. She serves as the director of sales and client services at Insurify, where customer service is central to her leadership style.
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13+ years of insurance experience
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If you’re looking for liability car insurance in Fremont, USAA is the cheapest insurer for liability coverage, at an average of $63 per month. On average, liability-only insurance costs $85 per month in Fremont.
According to California’s car insurance requirements, drivers must carry at least $30,000 per person and $60,000 per accident in bodily injury liability coverage and $15,000 in property damage liability coverage.[4] The following table shows the cheapest liability-only car insurance rates in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $63 |
| Aspire General | $66 |
| GEICO | $68 |
| Sun Coast | $69 |
| Mercury | $70 |
| National General | $70 |
| Dairyland | $77 |
| Direct Auto | $84 |
| Root | $84 |
| Allstate | $86 |
| Farmers | $88 |
| Anchor | $92 |
| State Farm | $96 |
| Bristol West | $97 |
| Kemper Special | $100 |
| Travelers | $100 |
| 21st Century | $110 |
| Kemper Rsvp | $110 |
| Chubb | $171 |
Aspire General is the cheapest insurer for full-coverage car insurance, with an average monthly rate of $116.
Many Fremont drivers opt for full-coverage car insurance because of heavy commuter traffic on I-880, I-680, and the Dumbarton Bridge. Additionally, Insurify data shows that 28% of Fremont drivers have a loan on their car and may be required to have full coverage.
The following table shows the cheapest rates for full-coverage car insurance in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| Aspire General | $116 |
| Root | $130 |
| Mercury | $135 |
| GEICO | $138 |
| USAA | $140 |
| Kemper Special | $154 |
| Kemper Rsvp | $157 |
| Sun Coast | $161 |
| Anchor | $173 |
| Dairyland | $184 |
| National General | $188 |
| Allstate | $192 |
| Farmers | $198 |
| Bristol West | $207 |
| Direct Auto | $209 |
| State Farm | $215 |
| Travelers | $225 |
| 21st Century | $245 |
| Chubb | $382 |
*Quotes generated for Insurify users in and around Fremont, California within the last 10 days. Last updated on July 8, 2026. 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 July 8, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Fremont, 3% of drivers have a speeding ticket on their record, according to Insurify data, which is comparable to neighboring cities like Oakland and San Francisco. USAA offers the cheapest rates for Fremont drivers with a speeding ticket.
In California, a speeding ticket adds one point to your record.[5] The following table shows the cheapest rates for drivers with a speeding ticket in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $82 |
| Aspire General | $84 |
| Sun Coast | $87 |
| National General | $88 |
| GEICO | $90 |
| Dairyland | $96 |
| Mercury | $97 |
| Root | $101 |
| Direct Auto | $106 |
| Allstate | $112 |
| Farmers | $113 |
| Anchor | $114 |
| State Farm | $122 |
| Bristol West | $123 |
| Kemper Special | $127 |
| Travelers | $130 |
| Kemper Rsvp | $139 |
| 21st Century | $146 |
| Chubb | $219 |
USAA offers the cheapest coverage for Fremont drivers with an at-fault accident. In Fremont, 5% of drivers have an at-fault accident on their record, according to Insurify data, which is slightly lower than in nearby cities like San Jose.
California is an at-fault state, so the driver who causes the accident is responsible for paying for the injuries and damages they cause.[6] The following table shows the cheapest rates for drivers with an at-fault accident in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $83 |
| Aspire General | $84 |
| Sun Coast | $88 |
| GEICO | $88 |
| National General | $92 |
| Dairyland | $100 |
| Mercury | $103 |
| Root | $104 |
| Direct Auto | $113 |
| Allstate | $114 |
| Farmers | $116 |
| Anchor | $118 |
| State Farm | $125 |
| Bristol West | $126 |
| Kemper Special | $128 |
| Travelers | $133 |
| Kemper Rsvp | $140 |
| 21st Century | $148 |
| Chubb | $225 |
Just 0.57% of Fremont drivers have a driving under the influence (DUI) conviction on their record, according to Insurify data, which is fairly low in comparison to other California cities. If you get a DUI in California, your license can be suspended for four months to one year for a first offense.[7]
The following table shows the cheapest rates for drivers with a DUI in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $88 |
| Aspire General | $89 |
| Sun Coast | $93 |
| GEICO | $95 |
| National General | $98 |
| Mercury | $104 |
| Dairyland | $107 |
| Direct Auto | $117 |
| Root | $117 |
| Allstate | $120 |
| Farmers | $123 |
| Anchor | $129 |
| State Farm | $134 |
| Bristol West | $135 |
| Kemper Special | $135 |
| Travelers | $139 |
| 21st Century | $148 |
| Kemper Rsvp | $149 |
| Chubb | $238 |
In Fremont, teen drivers with a valid license or learner’s permit can take a driver’s safety course where they learn traffic safety principles and receive behind-the-wheel instruction.[8] Fremont teens pay monthly average of $154 for liability coverage and $343 for full coverage. The following table shows the cheapest rates for teenage drivers in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $116 |
| Aspire General | $119 |
| GEICO | $122 |
| Sun Coast | $125 |
| Root | $126 |
| Mercury | $127 |
| Dairyland | $134 |
| National General | $139 |
| Direct Auto | $163 |
| Allstate | $169 |
| Bristol West | $171 |
| Farmers | $175 |
| Anchor | $175 |
| Kemper Special | $181 |
| State Farm | $185 |
| 21st Century | $196 |
| Kemper Rsvp | $199 |
| Travelers | $206 |
| Chubb | $350 |
Full-coverage quotes start at $116/mo.
Seniors make up just 13% of the population in Fremont as of 2020, according to the Bay Area Census. USAA is the cheapest insurer for senior drivers in Fremont.
The following table shows the cheapest rates for senior drivers in Fremont.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $52 |
| GEICO | $56 |
| National General | $57 |
| Mercury | $57 |
| Aspire General | $60 |
| Sun Coast | $63 |
| Dairyland | $67 |
| Direct Auto | $71 |
| Allstate | $72 |
| Farmers | $72 |
| Anchor | $76 |
| State Farm | $78 |
| Root | $79 |
| Travelers | $82 |
| Bristol West | $83 |
| 21st Century | $89 |
| Kemper Special | $91 |
| Kemper Rsvp | $100 |
| Chubb | $133 |
On average, Fremont drivers pay less for car insurance than in surrounding California cities. If you’re looking for cheap Fremont car insurance, here’s some additional information to consider.
No. Fremont drivers pay an average of $138 per month for car insurance. The California state average is more expensive, at $148 per month.
USAA offers the cheapest state-minimum coverage in Fremont, with an average rate of $63 per month.
Aspire General has the lowest full-coverage rates, at $116 per month.
Yes, it can. Heavy traffic on I-880, I-680, State Route 84, and the Dumbarton Bridge can increase your risk of accidents, which could contribute to higher auto insurance premiums.
Many Fremont drivers opt for full coverage, especially if they have a newer vehicle or are one of the 28% of drivers with an auto loan. Full coverage can help cover damages resulting from theft, vandalism, and weather-related incidents.
Vehicle theft is covered by comprehensive insurance, which is typically included in full coverage. An increase in vehicle thefts can increase comprehensive coverage costs for everyone, even if you didn’t make a theft claim. Alameda County reported more than 6,400 vehicle thefts in the first quarter of 2025 and ranked sixth-highest in the nation, although theft rates vary by city.
Comparing car insurance quotes, maintaining a clean driving record, increasing your deductible, and bundling your auto and home insurance can all help you find the most affordable car insurance policy in Fremont.
Fremont drivers can take advantage of many car insurance discounts. Insurers offer discounts for bundling your auto and homeowners or renters insurance, maintaining a clean driving history, low mileage, going paperless or doing auto-pay on your bill, and for owning a new car. As you compare rates, it’s also worth comparing discount offerings.
Insurify data scientists analyzed more than 190 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:
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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6 years experience in personal finance writing
Featured on Credit Karma and Insider
Featured in
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Featured in
Media relations director for Insurance Information Institute
20+ years in insurance and communications
Impartial, independent expert
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.