Cheapest Auto Insurance in Fremont, Nebraska (2024)

Fremont drivers pay an overall monthly average rate of $135 for car insurance — less than Nebraska’s state average of $152, 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

Best insurer for discounts: State Farm

Best insurer for drivers with incidents: The General

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.

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Rates start as low as $21 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 $78 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 $192 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 $135 to $190 in Fremont. In the sections that follow, you’ll see how individual incident types can affect your car insurance rates.

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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 $121 per month for liability coverage and $298 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 $304 for full coverage and $123 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 $139 for liability-only coverage and $342 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 $49 per month for liability-only coverage and $120 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 $137 for liability-only coverage and $337 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 $78 per month, compared to $89 for the state. Full coverage averages $192, compared to $215 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