Can't-Miss Facts

  • The cheapest auto insurance company in Fremont, CA is GEICO
  • Fremont, CA auto insurance rates are affected by the traffic that is shared with San Jose
  • The average commute time in Fremont is 33.8 min

Fremont, CA auto insurance rates can be on the high side since it’s nestled between San Francisco and San Jose.

You can save on Fremont, California auto insurance by shopping around, comparing rates, and looking for discounts, and we can help.

Below you’ll find affordable auto insurance rates in Fremont, California for every age, credit history, and driving record.

Are you trying to find affordable auto insurance in Fremont, CA? Weather the storm of finding great rates by using our quote tool. Enter your ZIP code above to get started.

What is the cheapest auto insurance company in Fremont, CA?

The cheapest auto insurance company in Fremont, based on average rates, is GEICO.

The top auto insurance companies in Fremont, CA, ranked from cheapest to most expensive are:

  • GEICO — $2,602.38
  • USAA — $2,603.08
  • Progressive — $2,641.32
  • Liberty Mutual — $3,056.71
  • Travelers — $3,393.44
  • State Farm — $4,152.07
  • Allstate — $4,203.21
  • Nationwide — $4,709.91
  • Farmers — $4,804.35

There are a lot of factors that determine your auto insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

What auto insurance coverage is required in Fremont, CA?

All Fremont drivers have to meet the California state law minimum requirements for car insurance.

In California, you have to carry at least:

  • $15,000 per person and $30,000 per incident for bodily injury liability
  • $5,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

What affects auto insurance rates in Fremont, CA?

Fremont is a busy city with a lot of people on the road, including a lot of commuters. A lot of traffic can mean a higher risk of accidents.

INRIX ranks San Francisco as the 30th-most congested city in the U.S. but has no specific information for Fremont or San Jose. Fremont is north of San Jose and San Francisco is north of Fremont, so much of the traffic between the two larger cities affects Fremont.

According to City-Data, the average commute time in Fremont is 33.8 minutes.

Auto theft in Fremont also affects rates, and the most recent annual statistics list 865 auto thefts in a city population of 236,368. That’s a rate of 365.9 cars stolen per 100,000 population.

Fremont, CA Auto Insurance: The Bottom Line

Fremont has some of the highest auto insurance rates in California, but you can save by shopping around and comparing.

Before you buy auto insurance in Fremont, CA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Fremont, CA auto insurance quotes.