Car Insurance in Fremont
On average, premiums in California surpass the national average by $286. Premiums also run high in the city, so if you are insuring a vehicle in Fremont, being knowledgeable about premiums is critical. Why don't we take a look at how to save on car insurance in Fremont?
- City Average: $1,618
- State Average: $1,713
- National Average: $1,427
Fremont Car Insurance by Age
When Fremont drivers reach their 20s, therefore moving out of the teenage age bracket, they save an average of 61% on car insurance, which is the most change you'll see between any age group. Premiums in Fremont continue to trend downward up until drivers turn 70. Car insurance premiums are highest for teenage drivers, with payments that average $6,066 per year. Among all age groups, drivers in their 60s have the lowest payments, with rates of $1,389. People in their 50s ($1,426) also have relatively low premiums.
- 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 a lot of things, including gender and marital status. However, premiums for men are typically only a little cheaper than for women. You can save approximately 4% per year if you're married as opposed to single or divorced. Rates for those who are widowed are moderately cheaper than rates for those who are single.
- Female: $1,622
- Male: $1,618
- Single: $1,618
- Married: $1,549
- Divorced: $1,618
- Widowed: $1,555
Fremont Car Insurance by Accident or Violation History
By avoiding driving mishaps that can inflate your car insurance premiums, you can not only save yourself money, but become a safer driver. No one plans on getting into an accident, but things happen, so be aware of the effect one can have on your rates. In Fremont, individuals who are found at-fault in an accident pay 56% more than the city average on car insurance each year. $2,954 is the extra cost per year for drivers with a DUI or reckless driving charge in Fremont, compared to the city average of $1,618.
- DUI: $4,572
- Reckless Driving: $4,572
- At-fault Accident (damages less than $1000): $2,524
- At-fault Accident (damages greater than $2000): $2,524
- Speeding Ticket (16-20 mph over speed limit): $2,194
* Credit score is considered discriminatory in California and thus is not used as a rating factor when companies determine how much you'll pay for auto insurance every 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.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Find Local Fremont Agents
Mello Insurance Services, Inc.
4559 Mattos Dr Fremont, CA 94536
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
The average Fremont resident's annual cost of coverage
Our customer's average savings after comparing insurance
See How Much You Can Save in Fremont
Click below to get free quotes in seconds!Start Saving Now!
Fremont Car Insurance
5 Winter Driving Hacks & Habits That Are Actually Illegal
Dec 16, 2017
As nice as drinking hot beverages and sitting by the fire can be, winter definitely has its downsides, and driving...
7 Spooky Halloween Road Trips to Creep You Out
Sep 29, 2017
Forget pumpkin spice – bring on scary movie season! As the weather starts to cool and leaves begin to turn,...
How to Protect Yourself and Your Home Against Wildfires
Aug 21, 2017
Ever used the expression “spread like wildfire?” Fire is an incredible force of nature, and while it has its uses...
Ask the Experts: Credit Score vs. Credit Report (and More)
Jul 31, 2017
Credit is an important measurement of our overall financial health. It plays huge part in how much we pay in...
Smart Cities: How the Internet of Things is Changing Urban Areas
Jun 14, 2017
A trend is spreading in cities all across the world: every day, more and more people just keep moving in....
Drunk Driving vs. Distracted Driving: Which is More Dangerous?
Jun 09, 2017
Drunk driving has long been a major cause of accidents on the road. Having a few drinks impairs our...
Zipcar vs. car2go: Which Car Sharing Service is King?
May 09, 2017
Over the past few years, car sharing has taken the world by storm. Car sharing businesses are now operating in...
Driverless Car Report Card: Who Should Get Top Grades?
Apr 24, 2017
The big-name tech companies and auto manufacturers that we know are developing driverless cars have kept many details about their...
Driverless Car Laws by State
Mar 16, 2017
While many established automakers and technology companies are itching to win the autonomous vehicle race, legislators are simply trying to...
How Does the Government Affect What You Pay for Car Insurance?
Mar 12, 2017
With auto insurance rates on the rise over the last five years, I’m constantly asked who’s responsible for auto...
Buying a Vehicle with Your Tax Return? Here’s What You Need to Know
Feb 16, 2017
It’s officially tax season which of course means a lot of paperwork, searching for receipts, and trying not to toss...
The Death of the Taxi Driver (Profession)
Feb 13, 2017
There’s no doubt rideshare companies — Uber, Lyft, and the like — are impacting traditional taxi and car service companies. Even though...
Uber’s Latest: Should Driverless Cars Require Voter Approval?
Feb 09, 2017
Driverless vehicle technology isn’t ready for the mainstream public, but it’s getting there: automakers and technology giants across the world...
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016
Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...
How Long Does a Ticket Stay on Your Driving Record?
Nov 17, 2016
We’ll start with the bad news: your driving record is forever. Any conviction for a speeding ticket or other moving...
What’s the Most Expensive Traffic Ticket in Your State?
Nov 08, 2016
If a cop hands you a ticket for speeding, swerving in and out of lanes, or causing a crash, you’re...
Are School Buses Even Safe?
Nov 04, 2016
Each day, parents of 25 million American children watch them board a big yellow school bus. That’s more than half...
Should the Government Require Regular Driving Tests?
Oct 03, 2016
Most drivers in the U.S. seek their driver’s licenses at a young age. In teens’ minds, driving means freedom, so...
Driver’s License Points: Do They Matter?
Sep 23, 2016
In the world of traffic law and auto insurance, points are universally a bad thing. Instead of helping you win...
50 Research-Based Tips to Save on Car Insurance
Aug 08, 2016
Finding the right car insurance can be frustrating and complex — no thanks to varying state coverage requirements and overhyped...
Answering Every FAQ About Driverless Cars
Jul 27, 2016
Driverless cars—also called an autonomous vehicles—are all over the news. Although we keep hearing about them, there’s still tons of confusion over...
Green Car Shopping: Electric Vs. Fuel Cell Vehicles
Mar 22, 2016
Already considering “going green” for your next car? Fist bump to you, friend. Now comes the part where you have...
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016
Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...
Can Driverless Cars Handle the Elements?
Mar 07, 2016
Human drivers have enough trouble in bad weather: we need to look no further than the most recent massive winter...
The Wrath of El Niño
Feb 19, 2016
The 2015-2016 El Niño has been dubbed “Godzilla El Niño” by weather experts—and with good reason. Just like the giant...