Cheapest Auto Insurance in Fremont, California (2025)

In the fourth-largest city in Silicon Valley, Fremont drivers have an average commute time of 34 minutes.1 And those commuters need car insurance that meets California’s minimum requirements. Luckily, drivers in the city pay average car insurance costs similar to the state’s average. Fremont’s overall average monthly premiums are $159 per month compared to the overall California average of $150 per month.

But Fremont’s rates are higher than the overall national average of $143. The city’s large population size, as well as the state’s risk of weather-related vehicle damage, could contribute to its higher costs.

Here’s how to shop for and find affordable auto insurance in Fremont, California.

3 of the cheapest car insurance companies in Fremont

When it comes to finding the cheapest car insurance in Fremont, the ideal insurance company for you depends on your specific circumstances and coverage needs. You need to get multiple quotes from different insurers and compare their offerings to find the most affordable option that meets your needs.

Here are some of the best auto insurers in Fremont, California.

Best insurer for drivers with at-fault accidents: Mile Auto

Best insurer for discounts: Mercury

Best insurer for military members: USAA

How to get the cheapest car insurance in Fremont

If you’re looking for cheap auto insurance in Fremont, consider these tactics for lowering insurance rates:

• Shop around. Begin by comparing quotes from various insurance companies to find the insurer that offers the best rates for your specific insurance coverage needs.

• Bundle insurance policies. Take advantage of multi-policy discounts by combining your car insurance with other policies, like home or renters insurance, to enjoy savings on both insurance products.

• Keep your record clean. Ensure a clean driving record by obeying traffic laws and avoiding traffic violations. Even if you have a speeding ticket on your record, it will matter less to insurers over time, and your premiums will start to decrease as you maintain a clean driving record.

• Choose a higher deductible. Lower your premium by picking a higher deductible amount for your collision and comprehensive coverages, but make sure you have enough funds set aside to cover it if necessary.

• Ask about discounts. Don’t overlook potential discounts for safety features in your vehicle, such as anti-lock brakes and passive restraint systems, which can contribute to more affordable insurance rates. You can call car insurance companies and speak with insurance agents to find out which discounts you qualify for.

Cheapest liability-only car insurance in Fremont: USAA

Liability-only car insurance is a policy that safeguards you from financial liabilities after accidents you cause. It covers the other party’s medical bills, property damage, and legal expenses up to your policy’s limits.

This insurance doesn’t include coverage for your own vehicle repairs, injuries, or theft. California law requires drivers to have liability insurance to operate a vehicle on public roads, providing essential protection while keeping premiums lower than full-coverage insurance options.

Liability-only insurance in Fremont costs an average of $92 per month.

The table below shows the cheapest average car insurance companies for liability-only policies in Fremont.

Cheapest full-coverage car insurance in Fremont: Anchor

Liability-only car insurance covers damages and injuries caused to others, so this excludes your own vehicle. Full-coverage car insurance includes liability protection and collision and comprehensive coverages. Full coverage is beneficial for drivers who have new or expensive vehicles, drive in accident-prone areas, and want more financial protection for their cars.

Drivers in Fremont pay a monthly average of $226 for full-coverage insurance.

The following car insurance companies offer the cheapest average quotes for full-coverage policies in Fremont, based on Insurify data.

Car insurance requirements in California

California requires every driver to carry a minimum amount of liability insurance coverage, which includes bodily injury liability and property damage liability.

State lawmakers approved an increase in coverage limits, which will take effect Jan. 1, 2025. The table below reflects this change and the types and amount of coverage all drivers need to carry:3

Liability-only coverage is the most basic form of car insurance, so it’s typically the cheapest. After fulfilling mandatory liability requirements, you can consider purchasing additional coverage options for more protection, like:

California’s low-cost auto insurance plan

California’s Low Cost Auto (CLCA) Insurance plan provides qualifying drivers with affordable car insurance if they meet the following requirements:

• Meet income eligibility

• Have a car valued at $25,000 or less

• Are a good or new driver

• Are at least 16 years old

• Have a valid California driver’s license

If you qualify for CLCA, car insurance costs are $232 to $932 per year, depending on the county. You can also add medical payments and uninsured/underinsured motorist coverages for $37 to $107 per year. If you’re interested in the CLCA program, you can learn more about it and apply at MyLowCostAuto.com.

Cheapest car insurance for drivers with an incident

Incidents refer to at-fault accidents, speeding tickets, driving under the influence, or other moving violations. Insurance companies typically increase premiums for drivers with incidents like these for three to five years due to the increased risk they pose on the road.5

If you have too many incidents on your record, the California Department of Motor Vehicles may require you to file an SR-22 form to prove you meet state-minimum insurance requirements. High-risk drivers can have trouble finding affordable car insurance when they have negative marks on their driving history, but it’s still possible.

Cheapest car insurance for drivers with a speeding ticket: USAA

Having a speeding ticket on your record will likely result in a multi-year surcharge on your policy and higher auto insurance premiums compared to having a clean driving record.5

Drivers in Fremont with a speeding ticket pay an average of $112 per month for liability coverage and $274 per month for full coverage.

In the table below, you can see how rates compare for drivers with a clean record versus drivers with a speeding ticket.

Cheapest car insurance for drivers with an at-fault accident: USAA

An at-fault accident on your driving record can raise your auto insurance premiums, as it poses a financial risk for insurance companies. To account for the additional risk, insurers add a multi-year surcharge that will increase your car insurance premium.

If you have an accident on your record in Fremont, you might pay a monthly average of $106 per month for a liability policy and $261 per month for a full-coverage policy.

If you’re in Fremont and have an at-fault accident on your record, see how rates compare to rates with a clean driving record in the table below.

Cheapest car insurance for drivers with a DUI: USAA

DUIs are a serious offense and result in substantially higher car insurance premiums. Insurance companies view a history of DUIs as a major financial risk, which is why they increase rates for high-risk drivers.

Liability policies cost an average of $148 per month in Fremont for drivers with a DUI.

Refer to the table below to discover the cheapest average car insurance quotes tailored to drivers with this incident.

Cheapest car insurance for seniors: USAA

Your age influences car insurance rates significantly.6 The average cost of car insurance generally decreases around 25 years old as drivers become more experienced. But around age 70, premiums may rise slightly due to factors like increased accident risks.7 

Senior drivers in Fremont pay $202 per month for full-coverage insurance, and $82 for minimum coverage, on average.

To help you get started in your search for cheap car insurance, here are the most affordable car insurance companies for senior drivers in Fremont.

Cheapest car insurance for teens: USAA

Teen drivers typically have higher rates than older drivers, primarily due to their lack of driving experience and higher risk profiles.

Liability-only insurance costs teen drivers an average of $176 per month in Fremont, and full coverage costs $432 per month. Teen drivers aren’t legally able to buy their own car insurance policies unless they have the written consent of a parent or guardian.

If you want affordable car insurance as a teen, consider staying on a parent’s insurance policy, as it often results in more affordable rates. Additionally, driving a safe and reliable car equipped with good safety features and maintaining good grades to qualify for a good student discount can help reduce insurance costs.

Here are the insurers with the cheapest average quotes for teen drivers on their own policies in Fremont.

Is car insurance more expensive in Fremont?

The average monthly cost of full-coverage car insurance in the U.S. is $182, compared to $226 in Fremont.

“Car insurance is based on how dense the population of a given city is, coupled with driving habits of the individual driver seeking insurance, as well as the population at large,” says Steve Rivera, partner at The Liberty Company Insurance Brokers. “In addition, crime rates within a geographic region will also impact pricing.”

But it’s important to note that insurance rates can differ significantly among locations due to factors such as weather, crime, and traffic.

More cities in California

Because location affects your car insurance prices, premiums can vary by county and city in California. Here are average liability-only and full-coverage quotes for some other California cities.

Fremont car insurance FAQs