How Much Are Car Insurance Rates in Fremont?


It is common knowledge that California has pricey premiums, as its mean rate is 20% higher than the national average. Premiums run high in the city as well, so in Fremont, it is vital to cut costs while insuring a vehicle. Who doesn't like to save money? Check out some ways to save on car insurance in Fremont.


INSURANCE PRICES: FREMONT VS. STATE/US MEAN
City AverageState AverageNational Average
$1,618$1,713$1,427


Fremont Auto Insurance Costs by Age

Everybody loves to save money, and luckily for drivers in their 60s, they do just that! They have the lowest rates among any age group, with rates of $1,389. People in their 50s ($1,426) aren’t paying significantly more. With typical rates of $6,066, teenage drivers are the ones who pay the most in car insurance premiums. The greatest fall in premiums for Fremont drivers happens when they reach their 20s. Once out of the teenage age bracket, individuals reduce their premiums by $3,691. Rates in Fremont continue to trend downward up until drivers hit 70.


FREMONT AUTO INSURANCE COSTS BY AGE
AgeAverage Rate
Teenagers$6,066
20s$2,375
30s$1,589
40s$1,538
50s$1,426
60s$1,389
70s$1,550


Fremont Car Insurance by Gender and Marital Status


Pricing for car insurance premiums in Fremont is determined by many factors, including marital status and gender. However, premiums for men and women generally only differ slightly, with women paying more. Rates for those who are widowed are moderately cheaper than rates for those who are single. You can save an average of 4% per year if you're married as opposed to single.


FREMONT CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,622
Male$1,618
Single$1,618
Married$1,549
Divorced$1,618
Widowed$1,555


Fremont Car Insurance for High-Risk Drivers


Do you have a history of accidents or violations? That may cost you in terms of car insurance rates. Usually, a DUI or reckless driving violation in Fremont will cost you 183% more in car insurance premiums versus the city average of $1,618. $906 is, on average, the additional cost for car insurance in Fremont if you have an at-fault accident on your driving record.


AVERAGE FREMONT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Incident/ViolationAverage Rate
DUI$4,572
Reckless Driving$4,572
At-fault Accident (damages less than $1,000)$2,524
At-fault Accident (damages greater than $2,000)$2,524
Speeding Ticket (16-20 mph over speed limit)$2,194


* Credit score, while used in other states, is considered discriminatory in California and is therefore not used as a rating factor when determining how much you'll pay for auto insurance each year.


What drives up car insurance rates in Fremont?

Where you live in Fremont affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by zip code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Fremont is no exception to the rule. From zip code 94539 to 94555, premiums rise by 4 percent—that’s $56.

Expensive Fremont Zip Codes: 94536, 94555

Cheap Fremont Zip Codes: 94539, 94538

Fremont Driving Conditions

Inclement weather goes hand in hand with wet brakes, slick roads & decreased visibility.

And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. In Fremont, you can expect 55 rainy days with an annual rainfall of 15 inches. Fremont is also known to experience earthquakes and wildfires. You can check on the condition of the roads anytime here.

55

Rainy Days a Year

15"

Avg. Annual Rainfall

0"

Avg. Annual Snowfall

Be Prepared For

Driving in Fremont

2
Major Highways
I-680 I-880 SR 84
2
Public Transit
AC Transit Bus VTA Bus

Car Insurance Companies in Fremont

Find Local Fremont Agents

Winchester Insurance Agency-Fremont, Inc. dba Armor & Associates

39159 Paseo Padre Pkwy Fremont, CA 94538

Salsbury & Associates Insurance Services, Inc.

3155 Kearney St, Ste 240 Fremont, CA 94538

Mello Insurance Services, Inc.

4559 Mattos Dr Fremont, CA 94536

2

$1,353

The average Fremont resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

216

That's equal to 216 cups of coffee or $541 in savings

See How Much You Can Save in Fremont

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Fremont Car Insurance

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