Best Cheap Car Insurance Companies in Fremont, Calif.
Our team carefully selected the five best options for car insurance in Fremont: Geico, USAA, AAA, Progressive and Mercury. These companies provide rates that are lower than both the average minimum- and full-coverage rates in the city. Additionally, they’re known to offer excellent customer service and all of them carry high-quality coverage plans.
Keep reading: Cheap car insurance
Unless stated otherwise, the following cost tables show average rates for the driving profile of a 35-year-old married driver with a clean driving history. Since California doesn’t allow insurers to set rates based on credit scores, that factor has been left out of the price estimates below.
How Much Is Car Insurance in Fremont, Calif.?
Our data shows that the average cost of minimum-coverage car insurance in Fremont is $46 per month or $555 per year. This is about 11% less than the national average of $52 per month or $627 per year. On the other hand, full-coverage insurance costs $176 per month or $2,119 per year on average, which is about 6% more expensive than the U.S. average of $167 per month or $2,008 per year for full coverage.
Cheapest Liability Car Insurance in Fremont
Geico offers the city’s cheapest liability insurance coverage with average rates of $27 per month or $324 per year. USAA is the second-cheapest option in Fremont with average rates of $36 per month or $426 per year.
Liability coverage is the minimum coverage required by the state of California. According to California law, all drivers must either meet or exceed the following minimum requirements:
$15,000 bodily injury liability per person
$30,000 bodily injury liability per accident
$5,000 property damage liability per accident
While uninsured motorist coverage isn’t required by California law, many drivers in Fremont buy the insurance service to better protect their vehicles. Since many nationwide providers carry uninsured motorist coverage for reasonable rates, it’s likely worth considering.
Cheapest Full-Coverage Car Insurance in Fremont
A full-coverage car insurance policy can be pricey in Fremont. Full coverage includes liability plus comprehensive coverage and collision coverage, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full-coverage option with average rates of $143 per month or $1,718 per year.
Fremont Car Insurance Quotes by Driver Profile
Since many factors play a role in setting the cost of car insurance, a cheap provider for one driver may be expensive for someone else. In this section, we’ll see how insurance prices in Fremont can change based on the age of the driver and their driving history. Fremont has many ZIP codes with their own average car insurance costs, so we’ll consider those as well.
A simple way to increase the accessibility of cheap car insurance in Fremont is by dropping unnecessary coverage types like roadside assistance and uninsured motorist coverage. You can also reduce rates for insurance by comparing quotes from insurance agencies throughout the San Francisco and San Jose regions.
Bundling auto coverage with life insurance, business insurance, renters insurance and home insurance could also be a wise move. There are calculators online to show how much of a discount you could get by purchasing auto insurance and homeowners insurance together.
Fremont Car Insurance Cost by Age
Teenagers pay the most money for car insurance because they’re more prone to getting into car accidents or breaking traffic rules. Our data shows that 16-year-olds pay about $145 per month or $1,735 per year for car insurance in Fremont.
The cost of car insurance goes down as people reach their 20s and stays low as they get older. Here are some examples of how much minimum-coverage car insurance may cost in Fremont for different age groups.
Cheapest Car Insurance in Fremont: Teen Drivers
Car insurance for teens is expensive, but some insurance providers tend to be more affordable than others. Our data shows that Geico is the cheapest car insurance company for teen drivers, with minimum-coverage rates as low as $93 per month or $1,116 per year. USAA, State Farm and Progressive also offer affordable insurance premiums for Fremont teens.
Fremont Car Insurance Cost by Driving Record
People who’ve received speeding tickets, gotten into accidents or been charged with driving under the influence should expect to pay higher car insurance rates. On average, speeding can increase your rates by 41%, an at-fault accident by 77%, and a DUI by 165%.
Based on our team’s findings, Geico is likely the best choice if you have a less-than-stellar driving record. The table below shows average rates by company for Fremont drivers who have either a speeding ticket, car accident or DUI on their record.
Keep reading: Insurance rates for high-risk drivers
Cheapest Car Insurance in Fremont: Speeding Ticket
Let’s dive a bit further into the details about coverage for high-risk drivers. According to our data, USAA offers the cheapest auto insurance rates to drivers with a speeding ticket on their records — $43 per month or $518 per year. Geico nearly matches USAA’s rate while AAA, Mercury and Kemper round out Fremont’s top five options for cheap speeding ticket car insurance.
Cheapest Car Insurance in Fremont: At-Fault Accident
If you cause an accident while driving, your insurance rates may increase more than if you’d received a speeding ticket. USAA and AAA are likely to be your cheapest options here, with both offering average rates of $57 per month.
Cheapest Car Insurance in Fremont: DUI
Getting a DUI in Fremont is a big deal, and it could cause your car insurance rates to go up by hundreds of dollars every year. Geico is usually the cheapest company on the market, offering average rates of $69 per month or $826 per year to drivers with a DUI. Mercury, Progressive and USAA are also good options with rates under $107 per month on average.
Fremont Car Insurance Cost by ZIP Code
Rates of insurance claims differ across each part of the city, which could greatly impact the cost of auto coverage. Below, you’ll see that certain ZIP codes in Fremont can be up to 2.7% cheaper or 3.8% more expensive than the city average.
Cheap Car Insurance in Fremont, Calif.: The Bottom Line
With car coverage in Fremont being 4% lower than California auto insurance and 11% less than the national average, there are many cheap providers to shop from. Geico offers the cheapest minimum- and full-coverage plans in the city for about $27 per month and $143 each month, respectively.
Compare free quotes to find the company that meets your California car insurance needs at the best rate. You can compare insurance products and get quotes online or from insurance agents.
Cheapest Auto Insurance in Fremont, Calif.: FAQ
Here are some frequently asked questions about the cheapest auto insurance in Fremont, Calif.:
*Cost data comes from Quadrant Information Services and is accurate at time of publication.
Based in New York, Stephen Freeman is a Senior Editor at Trending Insurance News. Previously he has worked for Forbes and The Huffington Post. Steven is a graduate of Risk Management at the University of New York.