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.
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.
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Cheapest recent rates near Fremont, California
Drivers using Insurify have found quotes as cheap as $58/mo for liability only and $106/mo for full coverage in Fremont and other California cities.
*Quotes generated for Insurify users in and around Fremont, California within the last 10 days. Last updated on April 22, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 22, 2024. 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 April 22, 2024
Rates shown are real-time Insurify user quotes from 100+ 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 April 22, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
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 $179 per month compared to the overall California average of $190 per month.
But Fremont’s rates are higher than the overall national average of $158. The city’s large population size, as well as the state’s risk of weather-related vehicle damage, could contribute to its higher costs.
Fremont’s average monthly premiums are $241 for full coverage and $118 for liability only.
Mile Auto, Sun Coast, and Mercury offer the cheapest car insurance in Fremont.
California prohibits car insurance companies from using your credit score 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
Mile Auto
3.5
$117
$63
Drivers with at-fault accidents
Clearcover
3.2
$137
$67
Teen drivers
USAA
4.5
$225
$104
Military members
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.
Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for drivers with at-fault accidents: Mile Auto
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.
$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.
$118/mo
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.
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.
$88/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.
$144/mo
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.
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.
$101/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.
$217/mo
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
High customer satisfaction ratings
Bundling and military-specific discounts available
Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.
Marvin - April 21, 2024
Verified
Excellent
So far, so good.
Robert - April 19, 2024
Verified
USAA is the finest. Period.
I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.
…
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, 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.
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Liability rates start as low as $118 per month
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Cheapest liability-only car insurance in Fremont: Mile Auto
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 $118 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
63
Mercury
85
Safeco
93
USAA
101
National General
124
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: Mile Auto
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.
Drivers in Fremont pay a monthly average of $241 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Mile Auto
118
Mercury
158
Safeco
167
USAA
217
Travelers
350
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.
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
Collision insurance reimburses you for damage to your car in a collision with another vehicle or object when you’re responsible.
Comprehensive coverage
Comprehensive insurance covers theft and non-collision damages, like fire, vandalism, falling objects, or natural disasters.
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
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 Car Insurance in Fremont, CA
Monthly rates start at $89 for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Mile Auto
Having a speeding ticket on your record will likely result in higher auto insurance premiums compared to having a clean driving record.[5]
Drivers in Fremont with a speeding ticket pay an average of $165 per month for liability coverage and $336 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Mile Auto
63
89
Mercury
85
125
Safeco
93
128
USAA
101
128
National General
124
159
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 car insurance for drivers with an at-fault accident: Mile Auto
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.
If you have an accident on your record in Fremont, you might pay a monthly average of $154 per month for a liability policy and $314 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Mile Auto
63
90
Mercury
85
124
Safeco
93
129
USAA
101
128
National General
124
160
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 car insurance for drivers with a DUI: Mile Auto
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 $159 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Mile Auto
63
95
Mercury
85
127
Safeco
93
135
USAA
101
146
National General
124
179
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 car insurance for seniors: Mile Auto
Your age influences car insurance rates significantly.[6] The average cost of car insurance generally decreases around 35 years old as drivers become more experienced. But around age 70, premiums may rise slightly due to factors like potential health concerns and increased accident risks.[7]
Senior drivers in Fremont pay $97 per month for full-coverage insurance, 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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
48
90
Mercury
69
129
Safeco
79
142
USAA
81
173
National General
100
213
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 car insurance for teens: Mile Auto
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 $183 per month in Fremont, and full coverage costs $373 per month.
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: Wednesday, April 17 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Mile Auto
114
214
Mercury
146
272
Safeco
156
280
USAA
156
334
National General
222
470
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.
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 $213, compared to $241 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 ZIP codes due to factors such as weather, crime, and traffic.
More cities in California
Because ZIP codes affect 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.
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 $241 per month for full coverage and $118 per month for liability only.
Which company has the cheapest car insurance in Fremont?
Mile Auto has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $58. Sun Coast and Mercury also offer affordable coverage, with respective monthly liability rates of $65 and $78.
But the cheapest insurer for you will depend on many factors, such as your age, ZIP code, 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 4.5 out of 5, 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.
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 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.
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.
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.
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