Buy Cheap Fremont, CA Auto Insurance in 2024
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.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
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UPDATED: Jan 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Jan 27, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our auto insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different auto insurance companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- 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 ranksSan 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. (For more information, read our “15 Cities with the Most Car Theft [Study: Trends & Totals]“).
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.
Frequently Asked Questions
Why should I buy auto insurance in Fremont, CA?
Auto insurance provides financial protection in case of accidents, theft, or damage to your vehicle. It is a legal requirement in Fremont, CA, and helps cover medical expenses, repair costs, and liability claims.
What factors should I consider when looking for cheap auto insurance?
When searching for affordable auto insurance, consider factors such as coverage limits, deductibles, discounts, customer service, and the insurer’s financial stability.
How can I find cheap auto insurance in Fremont, CA?
To find cheap auto insurance in Fremont, CA, you can compare quotes from multiple insurance companies, consider higher deductibles, maintain a good driving record, bundle policies, and take advantage of available discounts.
What are the pros of buying cheap auto insurance?
- Cost savings: Cheap auto insurance often means lower premiums, helping you save money.
- Compliance with the law: Buying auto insurance is mandatory in Fremont, CA, and cheap options allow you to meet the legal requirements without breaking the bank.
- Basic coverage: Cheap auto insurance typically provides the minimum coverage required by law, which may be sufficient for some drivers.
What are the cons of buying cheap auto insurance?
- Limited coverage: Cheap auto insurance policies often offer minimal coverage, which may not fully protect you in more severe accidents or incidents.
- Higher deductibles: Cheaper policies may have higher deductibles, requiring you to pay more out of pocket before the insurance coverage kicks in.
- Less comprehensive customer service: Some cheap insurance providers may not offer extensive customer support or prompt claims processing.
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Tim Bain
Licensed Insurance Agent
Tim Bain is a licensed insurance agent with 23 years of experience helping people protect their families and businesses with the best insurance coverage to meet their needs. His insurance expertise has been featured in several publications, including Investopedia and eFinancial. He also does digital marking and analysis for KPS/3, a communications and marking firm located in Nevada.
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.