Cheapest Auto Insurance in Fremont, Nebraska (2026)
Auto-Owners offers the cheapest car insurance in Fremont, with minimum-coverage policies as low as $41 per month.
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Fremont drivers pay an overall monthly average rate of $102 for car insurance — less than Nebraska’s state average of $100, according to Insurify data.
Although Fremont is the sixth-largest city in Nebraska, it has a population of just over 27,000 people.[1] Fewer drivers and less pedestrian traffic may help explain why insurance costs less in Fremont than the state average.
While rates are generally lower in Fremont, you can take steps to make your auto insurance even more affordable — including comparing quotes from multiple companies. Here’s how.
Quick Facts
Fremont drivers can expect to find the cheapest liability-only and full-coverage auto insurance from Auto-Owners.
Drivers with poor credit scores pay nearly twice as much for insurance coverage compared to drivers with excellent credit in Fremont.
Approximately 9% of Nebraska drivers are uninsured, according to the Insurance Research Council.[2]
3 of the cheapest car insurance companies in Fremont
The car insurance company that’s right for you depends on multiple factors, including your budget, driving history, location, the type of insurance you choose, and more.
While no one wants to pay more for insurance than they have to, it’s important to consider other factors — such as coverage options, policy limits, and deductible amounts — before purchasing a policy.
As you begin your search, start with the three companies below. Each is a top insurer in Fremont.
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 |
|---|---|---|---|---|
| Nationwide | 9.0 | $193 | $94 | Low mileage |
| State Farm | 9.3 | $144 | $70 | Discounts |
| The General | 7.1 | $199 | $75 | Incidents |
Disclaimer: Table data is based on real-time Fremont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Best insurer for low-mileage drivers: Nationwide
| User Reviews | 4.2 |
|---|---|
| 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 /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. | $96/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 |
4.2
Best choiceBased on 965 verified driver reviews and ratings
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.0 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.5 | 2.9 |
How drivers feel about Nationwide
Drivers appreciate the helpful and knowledgeable customer service but dislike the frequent and significant rate increases. Some also found the claims process to be slow and frustrating.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 515 Nationwide reviews
Verified Review
Reviewed in Pennsylvania on March 28, 2026
The rates are not that good; they go up every other month with no notification. When you call about it, they say, "It is what it is." With auto-pay, we set the date, but they may take it a week early or a week later, but it's normally earlier than the date we set. This really sucks since I have had insurance through them since I was 17 years old, and I am now 61. Their rates keep going up with no notification.
Verified Review
Reviewed in Nevada on March 26, 2026
My car is 6 years old. I have no claims and no tickets, and my insurance has increased 200% in the past 6 years.
Verified Review
Reviewed in South Carolina on March 18, 2026
They never informed me about the increase until it was time to renew, and they didn't explain why the increase occurred.
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
628NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.7A.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
Nationwide is one of the country’s largest insurers. It has an A+ (Superior) financial stability rating from AM Best. In addition to standard auto insurance coverage, the company offers several optional coverages, such as towing and labor, rental car, gap, and more.
Nationwide’s SmartMiles program also provides pricing based on how much you drive, which may help low-mileage drivers save. When you enroll in the SmartMiles program, you pay a monthly base rate plus a fee for each mile you drive.
Pros
No telematics device to install
Numerous available discounts and savings opportunities
Multiple options for customizing coverage
Cons
Slightly higher-than-expected number of customer complaints
Lower-than-average customer satisfaction ratings in the central region
Little transparency into who underwrites or backs its policies
Best insurer for discounts: State Farm
| User Reviews | 4.0 |
|---|---|
| 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. | 9.3 /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. | $71/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. | $148/mo |
4.0
Best choiceBased on 16,933 verified driver reviews and ratings
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.1 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 3.9 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.7 | 2.9 |
How drivers feel about State Farm
Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.
Based on analysis of verified reviews collected by Insurify
Best For
Showing 12 Nebraska reviews for Fremont driversSee all 7,363 State Farm reviews
Verified Review
Reviewed in Nebraska on March 20, 2026
I have State Farm and I have full coverage. They offered me a roadside assistance package for free. However, because I used it 5 times over several years, they are dropping me as a customer. So they give me a package for free, and I use it, and now I'm being punished for it. Really great, State Farm.
Verified Review
Reviewed in Nebraska on February 22, 2026
Overall, State Farm has been okay, but we haven’t had any claims for years. We feel like they are charging too much, and we haven’t had any claims. We have 2 houses insured with them and 2 vehicles, but there are no special rates for long-time (years) customers.
Verified Review
Reviewed in Nebraska on February 5, 2026
I've been with this agent and his office personnel for many years.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
647NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
0.84A.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
State Farm has been in business for more than 100 years, and today its portfolio includes auto and other vehicle insurance products as well as homeowners, life, health, pet, disability, and small-business insurance.
State Farm car insurance policies offer multiple ways to save, from customizing coverage types to a robust list of discounts. The company’s Drive Safe and Save program can help drivers save up to 30% based on how they drive. Customers even get a discount just for signing up.
Pros
Significantly fewer complaints than expected for the industry
Ranked among the top 10 companies for customer satisfaction in every region in J.D. Power’s 2023 U.S. Auto Insurance Study
Extensive network of local agents
Cons
No specialty coverages
No gap insurance
May not be the cheapest choice for drivers with violations
Best insurer for drivers with incidents: The General
| User Reviews | 3.3 |
|---|---|
| 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. | 7.1 /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. | $77/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. | $205/mo |
3.3
A solid optionBased on 1,285 verified driver reviews and ratings
The General's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.1 | 3.1 |
| Value | 3.0 | 2.9 |
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
Based on analysis of verified reviews collected by Insurify
Best For
Showing recent national reviewsSee all 546 The General reviews
Verified Purchase
Reviewed in Texas on April 9, 2026
So far, so good. I wish I had the ability to pay in advance. Sometimes I have the money before the payment due date, and it doesn't allow me to prepay.
Verified Purchase
Reviewed in Missouri on April 9, 2026
Having The General for a few months was a pain. The app is barely functional. I was canceled twice. The first time was for a signature, a task that had not been done well. The second time was for having two "garage" addresses. The only positive note is that customer service over the phone was nice and as helpful as they could be.
Verified Review
Reviewed in California on April 3, 2026
Overall, fair. Not bad on price, but it should be lower. 🤨
…
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.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
Owned by PGC Holdings Corp., an affiliate of American Family Insurance, The General offers competitively priced auto insurance for high-risk drivers and people with infractions on their record. The General offers multi-car, pay-in-full, good student, and other discounts to help drivers save.
The company has an A+ rating from the Better Business Bureau and a financial stability rating of A (Excellent) from AM Best.
Pros
Files SR-22 forms on behalf of policyholders
Mobile account and claims management available
24/7 claims reporting
Cons
Higher-than-expected number of customer complaints
Limited policy customization options
Mixed reviews for customer service
How to get the cheapest car insurance in Fremont
Insurance companies use many criteria to determine rates, including your driving record, age, the area you live in, and your credit score. While you can’t control all the factors insurers consider, you can do some things to keep your costs down, including:
Pay your bills on time. Nebraska auto insurers may use credit-based insurance scores when determining your premium. Drivers with high credit scores typically pay less for coverage than drivers with low scores. Paying your credit bills on time is one of the most effective ways to improve your credit score.
Slow down. Drivers with speeding tickets, at-fault accidents, and other traffic violations pay more for coverage, on average, than drivers without these incidents on their record.
Bundle your coverage. Many insurance companies offer discounts for bundling auto coverage with other insurance products, such as motorcycle, home insurance, or renters insurance.
Shop around. Rates can vary significantly between insurance companies. Shopping around and getting multiple quotes can help you find the best rates. You can get information from individual insurers or an insurance-comparison website. You can also work with an agent to find the best coverage for your situation.
Find Car Insurance in Fremont, Nebraska
Rates start as low as $41 per month for liability coverage
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Cheapest liability-only car insurance in Fremont: Auto-Owners
Liability coverage pays for other people’s injuries and property damage if you’re at fault in an accident. But it doesn’t pay to treat your injuries or repair your vehicle. Liability policies are often the most affordable on the market, and they do meet the state’s minimum-coverage requirements.
On average, Fremont drivers pay $65 per month for liability-only car insurance. Check out the table below to see the insurance companies with the lowest rates for liability insurance in Fremont.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $41 |
| American Family | $58 |
| National General | $58 |
| USAA | $64 |
| GEICO | $66 |
| Allstate | $69 |
| State Farm | $71 |
| Root | $75 |
| Safeco | $75 |
| AssuranceAmerica | $76 |
| The General | $77 |
| Bristol West | $94 |
| Nationwide | $96 |
| Liberty Mutual | $101 |
| Liberty Mutual | $101 |
| Dairyland | $106 |
| Farmers | $118 |
| Shelter | $122 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fremont: Auto-Owners
Full-coverage car insurance is a popular term that typically refers to a combination of liability, comprehensive, and collision coverage. While liability coverage helps protect the other party in an accident you cause, full coverage extends these protections to you and your passengers.
The collision component of full coverage pays for damage to your vehicle after a crash. Meanwhile, comprehensive pays for damage due to non-crash-related incidents, such as falling objects, severe weather, theft, or vandalism.
Drivers with new or high-value vehicles and people who can’t afford to pay for repair costs out of pocket typically benefit from having full coverage. Your lender may also require it if you have an auto loan or lease.
Full-coverage car insurance costs a monthly average of $139 in Fremont. The table below shows the insurers that offer the cheapest full-coverage car insurance rates in Fremont.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| Auto-Owners | $86 |
| National General | $116 |
| American Family | $120 |
| USAA | $132 |
| GEICO | $137 |
| Root | $137 |
| Allstate | $144 |
| Safeco | $145 |
| State Farm | $148 |
| AssuranceAmerica | $157 |
| Liberty Mutual | $182 |
| Liberty Mutual | $182 |
| Nationwide | $199 |
| The General | $205 |
| Bristol West | $207 |
| Dairyland | $234 |
| Farmers | $245 |
| Shelter | $251 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Recent Insurify quotes for Fremont, Nebraska drivers
Drivers using Insurify have found quotes as cheap as $40/mo for liability only and $83/mo for full coverage in Fremont and other Nebraska cities.
*Quotes generated for Insurify users in and around Fremont, Nebraska within the last 10 days. Last updated on April 9, 2026. 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 April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fremont, Nebraska within the last 10 days. Last updated on April 9, 2026. 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 April 9, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Nebraska
Nebraska is an at-fault state, meaning the driver at fault in an accident is responsible for paying for the other party’s related injuries and property damage. If the driver has car insurance, the insurer will cover expenses up to the policy maximum.
Nebraska law requires drivers to maintain bodily injury liability, property damage liability, and uninsured/underinsured motorist bodily injury limits in the amounts shown in the table below:
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability | $25,000 per person / $50,000 per accident |
| Property damage liability | $25,000 per accident |
| Uninsured/underinsured motorist bodily injury | $25,000 per person / $50,000 per accident |
Maintaining the minimum coverage amounts listed above will help you avoid penalties for driving without insurance, but this level of coverage could still leave you exposed financially. To better protect yourself, you may want to consider these optional coverages,:
Collision coverage
This pays for repairs to your vehicle if you’re in a crash with another car or stationary object.
Comprehensive coverage
This covers repairs unrelated to a crash, such as falling objects, severe weather, theft, and vandalism.
Rental reimbursement coverage
This pays for the cost of renting a car while you wait for repairs to your vehicle.
Gap coverage
Guaranteed asset protection, also known as gap insurance, covers the difference between your loan/lease balance and the market value of your vehicle if the insurance company declares it a total loss.
Medpay/PIP coverage
This pays for you and your passengers’ accident-related medical bills.
Cheapest car insurance for drivers with an incident
Having a moving violation on your driving record will cost you. Drivers with speeding tickets, at-fault accidents, DUIs, and other infractions pay more for auto insurance than drivers with clean records. Insurance companies consider drivers with spotty records as being higher risk than drivers with clean records.
Drivers with moving violations on their records generally see their monthly rates increase from $102 to $126 in Fremont. In the sections that follow, you’ll see how individual incident types can affect your car insurance rates.
Find Car Insurance in Fremont, NE
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Speeding increases your chances of getting into an accident and filing a claim with your insurance company. As such, insurers typically charge drivers with speeding tickets on their records more than drivers with clean records.
Even though you’ll pay more than someone without a ticket, rates vary between insurers, so it’s worth shopping around and comparing quotes.
Fremont drivers cited for speeding pay $83 per month for liability coverage and $178 for full coverage, on average. Here, you can see the companies offering the cheapest car insurance for drivers with a speeding ticket on their record.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Auto-Owners | $41 | $54 |
| American Family | $58 | $76 |
| USAA | $64 | $84 |
| GEICO | $66 | $87 |
| Allstate | $69 | $91 |
| State Farm | $71 | $91 |
| AssuranceAmerica | $76 | $98 |
| Safeco | $75 | $100 |
| Root | $75 | $101 |
| The General | $77 | $104 |
| Bristol West | $94 | $120 |
| Nationwide | $96 | $126 |
| Liberty Mutual | $101 | $130 |
| Liberty Mutual | $101 | $130 |
| Dairyland | $106 | $133 |
| Farmers | $118 | $153 |
| Shelter | $122 | $164 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
Drivers with an at-fault accident on their record typically pay considerably more for coverage than drivers with a clean driving record. Your insurance company is responsible for covering the other party’s damages and injuries when you’re at fault in an accident. Insurers increase premiums to offset the extra risk they assume.
Fremont drivers with at-fault accidents pay an average of $184 for full coverage and $86 for liability-only car insurance. This table shows the companies offering the lowest average monthly rates for drivers with an at-fault accident.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Auto-Owners | $41 | $54 |
| American Family | $58 | $78 |
| USAA | $64 | $86 |
| GEICO | $66 | $87 |
| Allstate | $69 | $93 |
| State Farm | $71 | $94 |
| Root | $75 | $101 |
| AssuranceAmerica | $76 | $101 |
| Safeco | $75 | $105 |
| The General | $77 | $106 |
| Bristol West | $94 | $124 |
| Nationwide | $96 | $130 |
| Liberty Mutual | $101 | $134 |
| Liberty Mutual | $101 | $134 |
| Dairyland | $106 | $140 |
| Farmers | $118 | $158 |
| Shelter | $122 | $166 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
DUIs often have the most significant effect on rates compared to other moving violations. It’s not uncommon for your premiums to double after a DUI, and some insurers may drop you altogether.
A DUI conviction will push a Fremont driver’s monthly car insurance rates to $85 for liability-only coverage and $181 for full coverage. Check out the table below to see how a DUI may affect your rates with different insurers.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Auto-Owners | $41 | $56 |
| American Family | $58 | $80 |
| USAA | $64 | $88 |
| GEICO | $66 | $90 |
| Allstate | $69 | $95 |
| State Farm | $71 | $97 |
| The General | $77 | $102 |
| Root | $75 | $104 |
| AssuranceAmerica | $76 | $104 |
| Safeco | $75 | $109 |
| Bristol West | $94 | $129 |
| Nationwide | $96 | $132 |
| Liberty Mutual | $101 | $139 |
| Liberty Mutual | $101 | $139 |
| Dairyland | $106 | $145 |
| Farmers | $118 | $162 |
| Shelter | $122 | $168 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Your age significantly affects the price you pay for car insurance. In general, drivers with clean records qualify for lower rates as they gain more experience. Insurers typically charge drivers age 25 and older less than young drivers.
These rates tend to stay low — as long as you drive safely — into retirement age. However, rates tend to climb again once drivers reach age 70 and above. This is due to decreased mental and physical faculties as part of aging and the increased likelihood of severe injury should a senior be involved in a car accident.
Car insurance for senior drivers in Fremont costs an overall average of $53 per month for liability-only coverage and $114 for full coverage. The table below shows the rates different insurance companies charge seniors in Fremont.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $32 | $66 |
| American Family | $45 | $94 |
| USAA | $51 | $104 |
| GEICO | $51 | $106 |
| State Farm | $54 | $113 |
| Allstate | $55 | $114 |
| AssuranceAmerica | $58 | $120 |
| Root | $61 | $112 |
| Safeco | $64 | $124 |
| The General | $64 | $170 |
| Nationwide | $72 | $148 |
| Bristol West | $76 | $168 |
| Liberty Mutual | $82 | $148 |
| Liberty Mutual | $82 | $148 |
| Shelter | $85 | $174 |
| Dairyland | $88 | $194 |
| Farmers | $91 | $189 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
On average, teens pay more for car insurance than any age group because they have the least driving experience. Teens are also more likely to engage in risky driving behaviors such as driving at night, distracted driving, and speeding.
However, teens may be able to reduce their rates by:
Staying on their parents’ policy. It’s almost always cheaper than purchasing a separate policy.
Being choosy about the car they drive. Policyholders who drive cars with higher safety ratings may pay less.
Getting good grades. Many insurers offer good student and other discounts aimed at helping younger drivers keep rates affordable. However, it’s up to teens and their parents to understand what discounts they qualify for.
Car insurance for teen drivers costs an overall monthly average of $131 for liability-only coverage and $281 for full coverage. The table below shows the rates you can expect to pay for teenage driver insurance in Fremont.
The below rates in Fremont, NE, are estimated rates current as of: Sunday, April 5 at 5:00 PM PDT.
Insurance Company | Liability Only | Full Coverage |
|---|---|---|
| Auto-Owners | $88 | $184 |
| American Family | $116 | $240 |
| USAA | $125 | $258 |
| GEICO | $126 | $262 |
| Root | $138 | $253 |
| Allstate | $144 | $300 |
| State Farm | $145 | $303 |
| The General | $146 | $389 |
| Safeco | $160 | $309 |
| AssuranceAmerica | $165 | $341 |
| Bristol West | $177 | $389 |
| Liberty Mutual | $188 | $338 |
| Liberty Mutual | $188 | $338 |
| Dairyland | $195 | $431 |
| Nationwide | $198 | $410 |
| Farmers | $248 | $515 |
| Shelter | $257 | $529 |
Disclaimer: Table data sourced from real-time Fremont car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Fremont may vary based on the policy buyer's unique driver profile.
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Fremont car insurance quotes by credit tier
Nebraska law allows insurers to consider driver credit history when calculating insurance rates. In Fremont, drivers with poor credit pay nearly twice as much for coverage than drivers with excellent credit. The table below shows the average monthly quotes for car insurance by credit tier.
Rates by Credit Tier
Category | Price |
|---|---|
| Excellent | $74 |
| Good | $88 |
| Fair | $96 |
| Poor | $145 |
Is car insurance more expensive in Fremont?
Car insurance in Fremont is less expensive than the state average in Nebraska. A liability-only policy in Fremont costs an average of $65 per month, compared to $67 for the state. Full coverage averages $139, compared to $133 for the state.
Insurance premiums tend to be higher in areas with higher rates of accidents, theft, vandalism, natural disasters, or weather-related damage because drivers file more claims in these areas.
More cities in Nebraska
The table below shows how rates in Fremont stack up against other popular cities in the state. As you’ll see, rates in Fremont fall well below those of other Nebraska cities.
City | Full Coverage | Liability Only |
|---|---|---|
| Bellevue | $154 | $73 |
| Columbus | $125 | $58 |
| Grand Island | $122 | $59 |
| Lincoln | $121 | $70 |
| Norfolk | $117 | $54 |
| Omaha | $157 | $85 |
Disclaimer: Table data is based on real-time Fremont quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.
Fremont car insurance FAQs
Car insurance rates in Fremont are some of the best in Nebraska, but you learn more about further reducing your insurance expenses with the information presented below.
How much is car insurance in Fremont, Nebraska?
The average monthly cost of car insurance in Fremont is $102. The average monthly rate for liability coverage is $65, and the average monthly rate for full coverage is $139.
What are the cheapest car insurance companies in Fremont?
Auto-Owners has the cheapest car insurance rates in Fremont — $41 for liability-only car insurance. Fremont drivers can also find cheap rates with American Family and National General, which have rates of $58 and $58, respectively.
What are the best car insurance companies in Fremont?
Nationwide, State Farm, and The General rank as three of the top insurance companies in Fremont. Nationwide and State Farm have Insurify Quality Scores of 9.0 and 9.3, respectively. Both offer several discount options and have strong marks for financial stability. The General offers competitive coverage for drivers with a prior incident on their record who may not find coverage elsewhere.
Do you need car insurance in Nebraska?
Yes. In order to drive legally in the state of Nebraska, you must have at least liability insurance that meets the state’s minimum requirements.
What are the minimum car insurance requirements in Nebraska?
In order to drive legally in Nebraska, you must have coverage that at least meets the state’s minimum requirements. These requirements include bodily injury liability coverage of $25,000 per person and $50,000 per accident, property damage liability of $25,000 per accident, and uninsured/underinsured motorist bodily injury coverage of $25,000 per person and $50,000 per accident.
Sources
- Nebraska Demographics. "Nebraska Cities by Population."
- Insurance Resource Council. "One in Eight Drivers Uninsured."
Methodology
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:
- 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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Written byJennifer Brozic
Jennifer Brozic
18+ years experience in finance writing
Background in communications for banks and credit unions
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Chris SchaferDeputy Managing Editor, News and Marketing Content
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7+ years in business and financial services content
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
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