Cheapest Auto Insurance in Fremont, Nebraska (2024)

Fremont drivers pay an overall monthly average rate of $147 for car insurance — less than Nebraska’s state average of $147, 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.

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.

Best insurer for low-mileage drivers: Nationwide

Low-mileage drivers

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User Reviews	4.4 446 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	8.7 /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.	$56/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.	$90/mo

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Driver Reviews

4.4

Best choiceBased on 793 verified guest reviews and ratings

How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

How drivers feel about Nationwide

Drivers appreciate the excellent coverage, reliable claims process, and good initial rates but dislike the frequent price increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Usage-based savings

Accident forgiveness

Recreational vehicle coverage

Reviews (446)

Mark

December 14, 2024

Verified Review

Average

The price kept rising too high with every renewal.

Cheryl

December 9, 2024

Verified Review

Communication was minimal. The owner could not answer my questions and told me to wait until the secretary returned.

Communication was minimal. The owner could not answer my questions and told me to wait until the secretary returned.

Rchard

December 9, 2024

Verified Review

Changes are Good Every Few Years

Comparatively expensive.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

815

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.64

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).

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

discounts

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User Reviews	4.2 5,080 reviews
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.	$41/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.	$70/mo

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Driver Reviews

4.2

Best choiceBased on 9,243 verified guest reviews and ratings

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Drivers appreciate the helpful local agents and initial service but dislike the high prices and frequent rate increases.

AI-generated from the text of verified reviews collected by Insurify

Best For

Customer service

Competitive rates

Discounts for safe drivers

Reviews (5,080)

Al

December 19, 2024

Verified Review

My Opinion

Way too high premium.

Agnes

December 19, 2024

Verified Review

Best Insurance Company

I have been with them for a long time. Claims are handled quickly. I never had a problem, even when I had three teenagers driving.

Gabriel

December 18, 2024

Verified Review

My Experience with State Farm

Beware, some companies are more interested in making money than meeting the customers' needs. My wife had a medical issue while driving, and they covered it. A year later, there was a fender bender involving two moving vehicles. To me, it was no fault, but they considered it a second incident. We also had hail damage to our roof. They said there wasn't enough damage, yet my next-door neighbors received a new one. Now, they're canceling me for too much.

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JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

842

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.78

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).

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

drivers with incidents

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User Reviews	3.5 413 reviews
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.	7.3 /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.	$107/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.	$273/mo

Show Details

Driver Reviews

3.5

A solid optionBased on 739 verified guest reviews and ratings

How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify

Best For

High-risk drivers

Robust mobile app

SR-22 insurance

How drivers feel about The General

Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.

AI-generated from the text of verified reviews collected by Insurify

Best For

High-risk drivers

Robust mobile app

SR-22 insurance

Reviews (413)

Rhonda

December 16, 2024

Verified Review

Fair

It was supposed to be cheaper, but it didn't seem so to me.

Ann

December 16, 2024

Verified Review

Disappointing Car Insurance Experience

My experience was disappointing. I felt like I was taken advantage of when I cancelled my policy for a car that was no longer in use. I was charged fees for extra coverage on a car that was inoperable. I would not recommend this insurance carrier.

Rubab

December 11, 2024

Verified Review

Poor

Way too costly for everyone!

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

NR

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.69

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).

A

Why 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 $24 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 $80 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.

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 $214 in Fremont. The table below shows the insurers that offer the cheapest full-coverage car insurance rates in Fremont.

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:

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 $147 to $200 in Fremont. In the sections that follow, you’ll see how individual incident types can affect your car insurance rates.

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4.8/5

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 $122 per month for liability coverage and $327 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.

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 $335 for full coverage and $125 for liability-only car insurance. This table shows the companies offering the lowest average monthly rates for drivers with an at-fault accident.

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 $141 for liability-only coverage and $378 for full coverage. Check out the table below to see how a DUI may affect your rates with different insurers.

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 $55 per month for liability-only coverage and $147 for full coverage. The table below shows the rates different insurance companies charge seniors in Fremont.

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 $155 for liability-only coverage and $415 for full coverage. The table below shows the rates you can expect to pay for teenage driver insurance in Fremont.

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.

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 $80 per month, compared to $92 for the state. Full coverage averages $214, compared to $203 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.

Fremont car insurance FAQs