Buy Cheap Fremont, CA Auto Insurance

The cheapest auto insurance in Fremont, CA is from GEICO, although rates will vary for each person. Fremont, CA auto insurance must meet the state minimum requirements with coverage levels of 15/30/5 for liability. Compare Fremont, California, car insurance quotes online to get the best price for you.

UPDATED: May 10, 2022Fact Checked

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Written by Sara Routhier
Director of Outreach Sara Routhier

Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent Cynthia Lanctot

UPDATED: May 10, 2022

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A Concise Overview

  • 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 best 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.

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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.

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