Compare Fremont, CA Car Insurance Rates (2021)

Car insurance in Fremont, CA averages $298 a month. Fremont, California car insurance requirements are 15/30/5, but you might need full coverage insurance if your car is financed. To find cheap Fremont car insurance rates, compare quotes from the top car insurance companies in Fremont, CA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Fremont for teen drivers is USAA
  • The cheapest car insurance company in Fremont is GEICO
  • The cheapest ZIP code in Fremont is 94536

If you need to buy Fremont, California car insurance, the options can be confusing. Everything you need to know about car insurance in Fremont, CA is right here.

You’ll find Fremont car insurance rates, the cheapest Fremont, CA car insurance companies, and information on California car insurance laws. You can also compare Fremont, California car insurance rates to Fresno car insurance rates, Bakersfield car insurance rates, and Los Angeles car insurance rates.

Ready to find affordable Fremont, CA car insurance today? Enter your ZIP code for fast, free Fremont car insurance quotes.

Cheapest Fremont, CA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fremont, CA car insurance rates? Every Fremont, California car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Fremont, California

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,693 $2,692 $1,976 $1,990 $7,560 $9,510 $3,439 $3,766
Farmers $2,602 $2,602 $2,345 $2,345 $8,327 $13,686 $3,087 $3,440
GEICO $1,608 $1,609 $1,513 $1,513 $4,912 $4,993 $2,312 $2,360
Liberty Mutual $2,311 $2,188 $2,152 $2,086 $5,081 $5,405 $2,607 $2,624
Nationwide $3,295 $3,143 $2,880 $2,712 $8,467 $9,322 $3,955 $3,906
Progressive $1,660 $1,710 $1,403 $1,669 $4,417 $5,330 $2,380 $2,560
State Farm $3,266 $3,266 $2,918 $2,918 $6,028 $7,472 $3,618 $3,731
Travelers $2,521 $2,440 $2,231 $2,206 $5,229 $6,011 $3,291 $3,219
USAA $1,864 $1,767 $1,817 $1,826 $4,235 $4,277 $2,591 $2,450

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Minimum Car Insurance in Fremont, CA

Every driver must carry the minimum car insurance in Fremont, CA. Take a look at the California car insurance requirements.

Minimum Required Car Insurance Coverage in Fremont, California

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Fremont, CA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Fremont, CA to rates for a clean record with top companies.

Annual Fremont, California Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,540 $4,262 $6,682 $3,329
Farmers $3,549 $4,835 $6,029 $4,804
GEICO $1,819 $2,813 $3,522 $2,256
Liberty Mutual $2,654 $3,555 $3,207 $2,811
Nationwide $3,287 $4,212 $7,127 $4,212
Progressive $1,734 $2,938 $3,396 $2,496
State Farm $2,964 $3,534 $6,671 $3,439
Travelers $2,264 $3,681 $4,297 $3,332
USAA $1,730 $2,576 $4,211 $1,895

Cheapest Fremont, CA Car Insurance for Teen Drivers

Teen car insurance in Fremont, CA can be expensive. Take a look at rates from the top car insurance companies in Fremont for teenagers.

Annual Car Insurance Rates for Teen Drivers in Fremont, California

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $7,560 $9,510
Farmers $8,327 $13,686
GEICO $4,912 $4,993
Liberty Mutual $5,081 $5,405
Nationwide $8,467 $9,322
Progressive $4,417 $5,330
State Farm $6,028 $7,472
Travelers $5,229 $6,011
USAA $4,235 $4,277

Cheapest Fremont, CA Car Insurance for Seniors

Take a look at Fremont, CA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Fremont, California

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,976 $1,990
Farmers $2,345 $2,345
GEICO $1,513 $1,513
Liberty Mutual $2,152 $2,086
Nationwide $2,880 $2,712
Progressive $1,403 $1,669
State Farm $2,918 $2,918
Travelers $2,231 $2,206
USAA $1,817 $1,826

Cheapest Fremont, CA Car Insurance Rates After a DUI

A DUI in Fremont, CA increases car insurance rates. Compare Fremont, California DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Fremont, California

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,682
Farmers $6,029
GEICO $3,522
Liberty Mutual $3,207
Nationwide $7,127
Progressive $3,396
State Farm $6,671
Travelers $4,297
USAA $4,211

Cheapest Fremont, CA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fremont, CA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Fremont, California

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,794 $4,612
Farmers $4,360 $5,249
GEICO $2,364 $2,841
Liberty Mutual $2,808 $3,305
Nationwide $4,157 $5,262
Progressive $2,395 $2,888
State Farm $4,002 $4,302
Travelers $3,049 $3,738
USAA $2,401 $2,805

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Cheapest Fremont, CA Car Insurance Rates by ZIP Code

Fremont car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fremont, CA.

Annual Car Insurance Rates by ZIP Code in Fremont, California

ZIP Code Average Annual Rates
94536 $4,837
94538 $4,907
94539 $4,921
94555 $4,888

The Best Cheap Car Insurance Companies in Fremont, CA

Take a look at a side-by-side comparison of the top car insurance companies in Fremont, CA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Fremont, California

Insurance Company Average Annual Rates
Allstate $4,203
Farmers $4,804
GEICO $2,602
Liberty Mutual $3,057
Nationwide $4,710
Progressive $2,641
State Farm $4,152
Travelers $3,393
USAA $2,603

Category Winners: Cheapest Car Insurance in Fremont, California

Find the cheapest car insurance companies in Fremont, CA for each category right here.

Best Annual Car Insurance Rates by Company in Fremont, California

Category Insurance Company
Teenagers USAA
Seniors GEICO
Clean Record USAA
With 1 Accident USAA
With 1 DUI Liberty Mutual
With 1 Speeding Violation USAA

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Cheapest Fremont, CA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fremont car insurance rates. Find the cheapest Fremont, CA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Fremont, California

Insurance Company Low Medium High
Allstate $3,991 $4,238 $4,381
Farmers $4,491 $4,840 $5,082
GEICO $2,391 $2,631 $2,785
Liberty Mutual $2,854 $3,085 $3,231
Nationwide $4,258 $4,797 $5,075
Progressive $2,388 $2,720 $2,816
State Farm $3,749 $4,225 $4,482
Travelers $2,989 $3,485 $3,707
USAA $2,385 $2,649 $2,775

What affects car insurance rates in Fremont, California?

What factors can have an impact on Fremont, CA car insurance? There are several reasons why Fremont car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fremont, California.

Car Theft in Fremont

High levels of vehicle theft can make car insurance more expensive. Fremont, CA car theft statistics from the FBI indicate 683 vehicle thefts a year.

Commute Time in Fremont

The more time you spend in your car the higher the risk of an accident. The average commute length in Fremont, CA is 35.4 minutes according to City-Data.

Compare Car Insurance Quotes in Fremont, CA

Ready to find affordable Fremont, California car insurance today? Enter your ZIP code for fast, free Fremont, CA car insurance quotes.

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Average Monthly Car Insurance Rates by State