The Cheapest Auto Insurance in Fremont, CA in 2024

Though Fremont’s population is smaller than Los Angeles, San Diego, and San Francisco, it’s the fourth-largest city in Silicon Valley. Cities with higher populations tend to have higher car insurance rates, but the good news is that Fremont’s monthly premium of $115 is lower than average.

If you want to offset the higher cost of living in California, consider getting auto insurance quotes from different insurers. Several top insurers, including Progressive, offer affordable rates in Fremont. Keep reading to find the cheapest car insurance companies in the city and explore ways to save more.

Key Takeaways:

• Progressive is the cheapest car insurance company in Fremont, at $56 per month, on average.
• Fremont drivers pay an average of $84 for liability-only insurance and $171 per month for full coverage.
• California will require higher minimum liability limits of 30/60/15 beginning January 2025.

In This Article:

• Average Price for Car Insurance in Fremont
• Cheapest Fremont Car Insurance Companies
• Best Fremont Car Insurance Companies of 2024
• Fremont Rate Breakdowns by Driver and Coverage Type
• California Auto Insurance Requirements
• Frequently Asked Questions

How Much Is Car Insurance in Fremont?

Fremont car insurance rates average $84 per month for liability-only insurance and $171 for full coverage, according to Compare.com data. But you should only use these average prices as a guide. Auto insurance rates vary by your unique driving profile — your age, driving history, and coverage needs.

Let’s take a closer look at some of the cheapest insurers in Fremont.

Fremont’s Cheapest Car Insurance Companies

Although Fremont’s rates average $115 per month, you can often find more affordable rates by comparing quotes to find the cheapest option for your coverage needs. The table below lists the five cheapest car insurance companies with the lowest monthly premiums in Fremont.

Progressive is the cheapest auto insurer in Fremont, averaging $56 per month, according to Compare.com data. But your actual rate will cost more or less depending on your coverage level and other factors.

Next, we’ll highlight the best auto insurance companies for specific demographics of drivers.

Top 3 Best Fremont Insurance Companies of 2024

One car insurance company won’t be the best for every driver since so many unique factors go into finding the best auto insurance company for you. We analyzed dozens of insurers to find the best options in Fremont based on criteria like average rates, available discounts, coverages, and customer ratings.

Here are the top three car insurance companies in Fremont to consider.

Best for teens and senior drivers: The General

• Average premium: $120 per month for teenagers, $59 for seniors
• Compare.com Rating: 3.35 out of 5

Pros:

• Affordable rates for most age groups
• Teen and senior discounts available
• Excellent mobile app

Cons:

• Few optional coverages available
• May not be the cheapest for all drivers
• Few local insurance agents

The General offers the cheapest average premiums for teenagers and senior drivers, according to our research. It offers liability-only and full-coverage policies, including gap insurance if you lease or finance your vehicle. Teens who get good grades and seniors who complete a defensive driver course can save even more with The General.

If you’re tech-savvy, the fact that there are only a few local agents won’t be an issue. You can view your policy, make payments, get quotes, and file and track claims in The General’s mobile app.

Best for minimum coverage: Progressive

• Average premium: $49 per month
• Compare.com Rating: 4.73 out of 5

Pros:

• Cheap liability-only rates
• Multiple discount programs available
• 24/7 claim and customer service availability

Cons:

• Below-average customer satisfaction
• Below-average auto claims satisfaction score
• Expensive for spotty driving records

Progressive offers some of the cheapest minimum-coverage rates in Fremont. The company’s AutoQuote Explorer allows you to compare quotes from different companies to find the best rates for your budget and needs. Progressive also has a decent amount of discounts, especially if you get a quote and buy your policy online, go paperless, and pay in full.

But in the most recent J.D. Power studies, Progressive fared below average for auto claims satisfaction and just below average for auto insurance satisfaction in California.

Best for maximum coverage: Elephant

• Average premium: $50 per month
• Compare.com Rating: 3.36 out of 5

Pros:

• Affordable rates for most age groups
• Optional coverages to customize policy
• Plenty of discounts available

Cons:

• No J.D. Power ranking
• Limited customer service hours
• Requires loyalty for the best benefits

Elephant makes customizing your full-coverage car insurance easy with optional coverages you don’t always see, like legal coverage, custom parts and equipment, non-owner auto insurance, and pet injury coverage. It also has some of Fremont’s cheapest average rates for full-coverage auto insurance, according to Compare.com data.

Some benefits are only available if you stay with Elephant for a year or more, like access to its repair shop network and accident forgiveness. Elephant has limited customer service hours and doesn’t score high enough to rank in the most recent J.D. Power studies.

Cheapest Company for Liability Insurance: Progressive

The amount and coverage types you buy directly affect how much you pay for auto insurance. Liability insurance at the state-minimum level is the cheapest option available. Liability insurance only covers injuries and property damage you cause to others — there’s no coverage for you or your car.

The average liability policy in Fremont is $84 per month, but several insurers offer even cheaper rates. The table below highlights the cheapest liability-only policies in Fremont.

Progressive offers the cheapest liability-only coverage in Fremont, averaging $49 per month, according to our data.

Now, let’s see which company offers the cheapest full coverage.

Cheapest Company for Full-Coverage Insurance: Elephant

Full-coverage insurance typically includes liability, as well as comprehensive and collision coverages. It’s a good idea to get full coverage if you lease or finance your car or can’t afford to repair or replace it yourself. But the extra coverage means it costs more. Fremont drivers pay an average rate of $171 per month for full coverage, according to our data.

Here are five of the cheapest auto insurers for full-coverage insurance in Fremont.

Elephant is the cheapest auto insurer for full coverage in Fremont. The company’s average monthly rate is $81 per month, according to our analysis.

Now, let’s compare companies by driving record to find out the most affordable options.

Compare Fremont Auto Insurance Rates by Driving Record

Your driving record has a significant influence on your car insurance rates. Auto insurers consider people with tickets, DUIs, and at-fault accidents as more risky to insure. That’s why drivers with a clean driving record get the best rates, while people with traffic violations pay more.

The table below shows how driving records affect insurance premiums in Fremont, average rates by driving profile, and the cheapest insurer for each infraction.

In the next sections, we’ll explore Fremont’s most affordable car insurance companies if you have a speeding ticket, at-fault accident, or DUI.

Cheapest car insurance in Fremont after a ticket: The General

Getting a speeding ticket leads to higher auto insurance rates. Our research found that a single speeding ticket increases rates by an average of 27% nationwide.

The cheapest company for Fremont drivers with a speeding ticket is The General, averaging $95 per month — less than the overall monthly average of $136.

Cheapest car insurance in Fremont after an accident: The General

If you cause a car accident, insurers will also raise your insurance premium. On average, rates rise 34% nationally after an at-fault accident, according to Compare.com data.

The General is the most affordable option in Fremont if you have an at-fault accident on your driving record. The company charges an average of $93 per month.

Cheapest car insurance in Fremont after a DUI: Dairyland

Driving under the influence (DUI) is the most expensive driving infraction that will cause your car insurance to skyrocket. On average, auto insurance rates rise 50% nationally after one DUI conviction, according to Compare.com data.

Dairyland has the cheapest auto coverage in Fremont if you have a DUI. Its average premium is $116 per month.

Compare Fremont Auto Insurance Rates by Age

Though you have no control over your age, it’s one of the most important rating factors when it comes to getting car insurance. Auto insurance rates are generally more expensive the younger you are but get cheaper as you age and gain more experience. But premiums tend to increase again once you reach 70.

Below are the cheapest insurers by age group and how each compares to the citywide average for each group.

The next two sections break down the cheapest insurer for teens and seniors in Fremont.

Cheapest car insurance for Fremont teens: The General

Car accidents are the leading cause of death for teens ages 16–19, according to the Centers for Disease Control and Prevention (CDC). Teens are more likely to drive at night and on the weekends, not wear seat belts, drive distracted, and speed. That all contributes to them being more high-risk and more expensive to insure.

Teenagers and parents looking for the most affordable rates should consider The General for car insurance. The General’s average premium is $120 per month in Fremont, according to Compare.com data.

Cheapest car insurance for Fremont seniors: The General

Seniors enjoy some of the cheapest premiums of all age groups — good news for drivers approaching retirement. Not driving late at night and driving fewer miles are contributing factors to why seniors get cheaper rates than other age groups, according to the Insurance Institute for Highway Safety (IIHS).

The General offers the lowest rates for Fremont seniors in their 60s and 70s. We found that seniors pay an average of $60 per month when they choose The General.

California Auto Insurance Requirements

The average auto policy in California costs $168 per month. All drivers must meet the state’s minimum requirements to drive legally. Currently, the California Department of Motor Vehicles requires at least 15/30/5 in liability coverage. That breaks down to the following coverages:

• $15,000 of bodily injury liability coverage per person
• $30,000 of bodily injury liability coverage per accident
• $5,000 of property damage liability coverage per accident

But these minimum requirements will increase to 30/60/15 on Jan. 1, 2025.

California offers other ways to prove financial responsibility. You can make a cash deposit to the California DMV or purchase a surety bond from a state-licensed business (including insurance agencies) for $35,000 instead of buying personal insurance policies.

How to Get Cheaper Car Insurance in Fremont

You can’t control every factor when it comes to your auto insurance costs, but there are some things you can control. Here are some tips to save money and get cheaper auto insurance in Fremont:

• Bundle policies. Purchasing multiple insurance policies with the same insurer can save you up to 25%. For example, you can bundle your car insurance with home, condo, renters insurance, or life insurance to reduce your costs.
• Look for more discounts. Auto insurers usually offer multiple discounts for things like insuring multiple vehicles or having safety features in your car that you can stack together to get more savings.
• Raise your deductibles. If you have comprehensive and collision insurance, increasing your deductibles will help lower your premium. But keep in mind you’ll take on more financial responsibility if you file a claim.
• Consider a telematics program. You can show off your safe driving habits and get a potential discount on your car insurance policy with usage-based insurance.
• Compare multiple quotes. Comparing auto insurance quotes from multiple companies can help you get the best deal on your vehicle insurance.

Fremont Auto Insurance FAQs

Below, we answered the most common questions about car insurance in Fremont, California, to help you find the right coverage for your needs.

Which company has the cheapest car insurance in Fremont?

Progressive has the cheapest car insurance in Fremont, at $56 per month, according to Compare.com data. Remember, the cheapest coverage for you will depend on your unique driving profile.

What’s the average price for car insurance in Fremont?

The average cost of car insurance in Fremont is $115 per month, according to Compare.com data. Fremont drivers pay an average of $84 for liability-only coverage, while full coverage costs around $171 monthly.

What’s the best car insurance company in Fremont?

It depends. No single car insurance company is the best for every driver. The best company for you will depend on factors like your coverage needs, age, and driving history. That said, Progressive is one of the best car insurers in Fremont. It offers the cheapest overall premiums on average, according to our research.

How much car insurance coverage does California require?

California law requires drivers to have at least $15,000 per person and $30,000 per accident for bodily injury liability and $5,000 in property damage liability. The minimum liability requirement will increase to 30/60/15 on Jan. 1, 2025.

What happens if you drive without insurance in Fremont?

Fremont drivers who drive without insurance could face license suspension for up to four years, vehicle impoundment, and a fine of $100–$200. The DMV may issue a fine of $200–$500 for subsequent violations.

Data Methodology:

Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.

All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.

Sources

1. California Department of Motor Vehicles, “Financial Responsibility (Insurance) Requirements for Vehicle Registration,” accessed July 10, 2024.
2. J.D. Power, “2024 U.S. Auto Insurance Study,” accessed July 10, 2024.
3. J.D. Power, “2023 U.S. Auto Claims Satisfaction Study,” accessed July 10, 2024.
4. Centers for Disease Prevention and Control, “Risk Factors for Teen Drivers,” accessed July 11, 2024.
5. Insurance Institute for Highway Safety, “Older drivers,” accessed July 11, 2024.