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Best Cheap Auto Insurance in Fremont, CA (2021)

Things to Remember

  • The cheapest auto insurance company in Fremont, CA is GEICO
  • Fremont, CA auto insurance rates are affected by the traffic that is shared with San Jose
  • The average commute time in Fremont is 33.8 min

Fremont, CA auto insurance rates can be on the high side since it’s nestled between San Francisco and San Jose.

You can save on Fremont, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Table of Contents

Monthly Fremont, CA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your auto insurance rates because factors like crime and traffic are calculated by the ZIP code. Find more info about the monthly Fremont, CA auto insurance rates by ZIP Code below:

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Fremont, CA Car Insurance Rates vs. Top US Metro Car Insurance Rates

What city you reside in will impact your car insurance. That’s why it’s essential to compare Fremont, CA against other top US metro areas’ auto insurance costs.

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Below you’ll find information on how to get cheap auto insurance in Fremont, California for every age, credit history, and driving record.

Ready to find affordable Fremont, CA auto insurance? Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Fremont, CA?

The cheapest auto insurance company in Fremont, based on average rates, is GEICO.

The cheapest Fremont, CA insurance providers can be found below. You also might be wondering, “How do those Fremont, CA rates compare against the average California car insurance company rates?” We uncover that too.

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The top auto insurance companies in Fremont, CA, ranked from cheapest to most expensive are:

  • GEICO — $2,602.38
  • USAA — $2,603.08
  • Progressive — $2,641.32
  • Liberty Mutual — $3,056.71
  • Travelers — $3,393.44
  • State Farm — $4,152.07
  • Allstate — $4,203.21
  • Nationwide — $4,709.91
  • Farmers — $4,804.35

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Fremont, California car insurance costs by company and age is an essential comparison because the top car insurance company for one age group may not be the best provider for another age group.

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Your coverage level will play a major role in your Fremont, CA car insurance costs. Find the cheapest Fremont, California car insurance costs by coverage level below:

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Your driving record will affect your Fremont, CA car insurance costs. For example, a Fremont, California DUI may increase your car insurance costs 40 to 50 percent. Find the cheapest Fremont, California car insurance costs by driving record.

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Controlling these risk factors will ensure you have the cheapest Fremont, California car insurance. Factors affecting car insurance rates in Fremont, CA may include your commute, coverage level, tickets, DUIs, and credit.

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Age is a significant factor for Fremont, CA car insurance rates. Young drivers are often considered high-risk. This Fremont, California does use gender as a car insurance factor, so check out the average monthly auto insurance rates by age and gender in Fremont, CA.

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What auto insurance coverage is required in Fremont, CA?

All Fremont drivers have to meet the California state law minimum requirements for car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Fremont, CA?

Fremont is a busy city with a lot of people on the road, including a lot of commuters. A lot of traffic can mean a higher risk of accidents.

INRIX ranks San Francisco as the 30th most congested city in the U.S. but has no specific information for Fremont or San Jose. Fremont is north of San Jose and San Francisco is north of Fremont, so much of the traffic between the two larger cities affects Fremont.

According to City-Data, the average commute time in Fremont is 33.8 minutes.

Auto theft in Fremont also affects rates, and the most recent annual statistics list 865 auto thefts in a city population of 236,368. That’s a rate of 365.9 cars stolen per 100,000 population.

Fremont, CA Auto Insurance: The Bottom Line

Fremont has some of the highest auto insurance rates in California, but you can save by shopping around and comparing.

Before you buy auto insurance in Fremont, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Fremont, CA auto insurance quotes.

Frequently Asked Questions: Fremont, CA Auto Insurance

If you still have questions about auto insurance in Fremont, CA, check out the answers below.

#1 – Is Fremont cheaper than San Jose for auto insurance?

San Jose ZIP codes have some of the highest rates in the state, but some areas of Fremont may be more expensive. Where you live is just one factor.

References:

  1. https://www.city-data.com/city/Fremont-California.html
  2. https://inrix.com/scorecard-city/?city=San%20Francisco%2C%20CA&index=30
  3. https://ucr.fbi.gov/crime-in-the-u.s/2017/crime-in-the-u.s.-2017/tables/table-8/table-8-state-cuts/california.xls

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