Cheapest Auto Insurance in Fremont, California (2025)
USAA offers the cheapest car insurance in Fremont, with minimum-coverage policies as low as $81 per month.
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In the fourth-largest city in Silicon Valley, Fremont drivers have an average commute time of 34 minutes.[?] 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 $148 per month compared to the overall California average of $146 per month.
But Fremont’s rates are higher than the overall national average of $138. 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.
Quick Facts
Fremont’s average monthly premiums are $209 for full coverage and $88 for liability only.
USAA, National General, and Sun Coast offer the cheapest car insurance in Fremont.
California prohibits car insurance companies from using your credit history, gender, and ZIP code when determining premiums.[?]
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.
Insurance Company  | 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. | Full Coverage | Liability Only | Best For |
|---|---|---|---|---|
| Mile Auto | 8.8 | $108 | $63 | Drivers with at-fault accidents |
| Mercury | 7.5 | $194 | $101 | Discounts |
| USAA | 9.1 | $186 | $81 | Military members |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
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.
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Liability rates start as low as $88 per month
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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 $88 per month.
The table below shows the cheapest average car insurance companies for liability-only policies in Fremont.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $81 |
| National General | $90 |
| Sun Coast | $94 |
| Dairyland | $96 |
| Root | $102 |
| Mercury | $104 |
| Allstate | $112 |
| Farmers | $116 |
| Direct Auto | $117 |
| GEICO | $117 |
| Anchor | $118 |
| Bristol West | $123 |
| State Farm | $125 |
| Travelers | $131 |
| 21st Century | $143 |
| Nationwide | $176 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fremont: USAA
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 $209 for full-coverage insurance.
The following car insurance companies offer the cheapest average quotes for full-coverage policies in Fremont, based on Insurify data.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $186 |
| Root | $188 |
| Anchor | $190 |
| Mercury | $198 |
| GEICO | $207 |
| Sun Coast | $237 |
| Allstate | $257 |
| National General | $259 |
| Farmers | $264 |
| State Farm | $286 |
| Bristol West | $289 |
| Travelers | $300 |
| Direct Auto | $311 |
| 21st Century | $327 |
| Dairyland | $335 |
| Nationwide | $403 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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:[?]
Coverage | 2024 Coverage Limits | 2025 Coverage Limits |
|---|---|---|
| Bodily injury liability | $15,000 per person / $30,000 per accident | $30,000 per person / $60,000 per accident |
| Property damage liability | $5,000 per accident | $15,000 per accident |
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.[?]
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.
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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.[?]
Drivers in Fremont with a speeding ticket pay an average of $108 per month for liability coverage and $256 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Tickets |
|---|---|---|
| USAA | $81 | $102 |
| National General | $90 | $111 |
| Sun Coast | $94 | $115 |
| Dairyland | $96 | $118 |
| Root | $102 | $133 |
| Allstate | $112 | $142 |
| Mercury | $104 | $144 |
| Anchor | $118 | $144 |
| Farmers | $116 | $145 |
| Direct Auto | $117 | $145 |
| GEICO | $117 | $150 |
| Bristol West | $123 | $152 |
| State Farm | $125 | $155 |
| Travelers | $131 | $166 |
| 21st Century | $143 | $183 |
| Nationwide | $176 | $223 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $104 per month for a liability policy and $248 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| USAA | $81 | $101 |
| Sun Coast | $94 | $112 |
| National General | $90 | $112 |
| Dairyland | $96 | $119 |
| Root | $102 | $126 |
| Allstate | $112 | $140 |
| GEICO | $117 | $141 |
| Farmers | $116 | $144 |
| Anchor | $118 | $146 |
| Mercury | $104 | $147 |
| Direct Auto | $117 | $151 |
| Bristol West | $123 | $152 |
| State Farm | $125 | $154 |
| Travelers | $131 | $164 |
| 21st Century | $143 | $181 |
| Nationwide | $176 | $221 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $109 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| USAA | $81 | $110 |
| Sun Coast | $94 | $117 |
| National General | $90 | $122 |
| Dairyland | $96 | $130 |
| Root | $102 | $137 |
| Mercury | $104 | $147 |
| Allstate | $112 | $152 |
| GEICO | $117 | $155 |
| Farmers | $116 | $157 |
| Direct Auto | $117 | $159 |
| Anchor | $118 | $164 |
| Bristol West | $123 | $167 |
| State Farm | $125 | $170 |
| Travelers | $131 | $178 |
| 21st Century | $143 | $194 |
| Nationwide | $176 | $239 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: USAA
Your age influences car insurance rates significantly.[?] 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.[?]
Senior drivers in Fremont pay $186 per month for full-coverage insurance, and $78 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $67 |
| National General | $72 |
| Dairyland | $81 |
| Sun Coast | $84 |
| Mercury | $86 |
| Root | $87 |
| Allstate | $93 |
| Farmers | $94 |
| GEICO | $95 |
| Direct Auto | $96 |
| Anchor | $99 |
| State Farm | $101 |
| Bristol West | $104 |
| Travelers | $107 |
| 21st Century | $115 |
| Nationwide | $138 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $165 per month in Fremont, and full coverage costs $391 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.
The below rates are estimated rates current as of: Friday, October 31 at 5:00 PM PDT.
Insurance Company | Average Monthly Quote: Liability Only |
|---|---|
| USAA | $152 |
| Dairyland | $162 |
| Sun Coast | $176 |
| Root | $181 |
| National General | $185 |
| Mercury | $196 |
| Anchor | $208 |
| GEICO | $215 |
| Bristol West | $223 |
| Allstate | $224 |
| Farmers | $230 |
| Direct Auto | $232 |
| State Farm | $244 |
| 21st Century | $263 |
| Travelers | $271 |
| Nationwide | $348 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Is car insurance more expensive in Fremont?
The average monthly cost of full-coverage car insurance in the U.S. is $177, compared to $209 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.
City | Full Coverage | Liability Only |
|---|---|---|
| Anaheim | $208 | $208 |
| Bakersfield | $186 | $82 |
| Long Beach | $241 | $116 |
| Los Angeles | $311 | $158 |
| Modesto | $203 | $95 |
| Oakland | $242 | $102 |
| Riverside | $201 | $95 |
| Sacramento | $215 | $104 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fremont car insurance FAQs
You can learn more about car insurance costs in different states to see how California premiums compare across the country. Here are the answers to common questions about Fremont car insurance.
How much is car insurance in Fremont?
The average cost of car insurance in Fremont is $209 per month for full coverage and $88 per month for liability only.
Which company has the cheapest car insurance in Fremont?
USAA has the cheapest car insurance in Elk Grove, with monthly liability rates as low as $82. National General and Sun Coast also offer affordable coverage, with respective monthly liability rates of $91 and $95.
But the cheapest insurer for you will depend on many factors, such as your age, the type of car you drive, and the coverage levels you choose.
What are the best car insurance companies in Fremont?
One of the best car insurance companies in Fremont, California, is USAA. It has a high Insurify Quality Score of 9.1 out of 5, strong customer satisfaction reviews, and solid financial stability ratings. Since USAA is only available to active-duty military, veterans, and their families, other runners-up include GEICO and Allstate, although you may experience higher-than-average premiums with these insurers.
What is the minimum car insurance requirement in California?
California requires 30/60/15 liability policy limits, which translates to $30,000 per person for bodily injury liability, $60,000 per accident for bodily injury liability, and $15,000 per accident for property damage liability. But these liability limits are only a minimum, and insurance professionals generally recommend you buy liability limits above state minimums for a greater level of financial protection.
Can insurers in Fremont use your credit score to set premiums?
No. Car insurance companies in Fremont, California, can’t use your credit score when underwriting your premiums. But they can use your location, age, vehicle type, and driving history to determine your price.
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