How much does car insurance cost in Fremont?
The typical Fremont driver pays $1,754 per year for car insurance coverage. That's cheaper than the average in California ($1,868) and more expensive than the national average of $1,548. Our guide to car insurance in Fremont — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
AUTO INSURANCE: FREMONT RATES VS. STATE + NATIONAL AVERAGES
|Fremont Average (annual)||California Average||National Average|
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Fremont car insurance premiums by company
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical driver, GEICO offers Fremont's most affordable premiums. See below the best options for affordable auto insurance in Fremont. Don't forget to get car insurance quotes based on your driving profile.
FREMONT CAR INSURANCE PREMIUMS BY COMPANY
|Insurer||Average Annual Rate|
Fremont car insurance costs by age
The age group that pays the least for car insurance in Fremont are drivers in their 60s ($1,572per year). Those in their 50s don't pay much more ($1,576).
Teenage drivers pay Fremont's most expensive auto insurance rates. One of the most effective ways to get cheaper car insurance rates as a driver in Fremont is to celebrate your 20th birthday. The gap in cost between the car insurance premiums paid by teenage drivers and drivers in their 20s in Fremont is $3,890. That's the biggest gap in premiums between any pair of age brackets.
FREMONT CAR INSURANCE RATES BY DRIVER AGE
|Age tier||Average Annual Rate|
Fremont auto insurance rates by marital status and gender
Marital status and gender can be contributors to car insurance rates, in some cases. In most locations in the US, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Fremont pay $73 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Fremont, widowed drivers pay less than those who are single.
Gender is another factor that can influence auto insurance rates. In Fremont, female drivers pay $4 per year more than do male drivers.
FREMONT CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Gender/Marital Status||Average Yearly Rate|
Fremont car insurance rates by accident and violation history
No matter where you live, steering clear of accidents and citations is the best way to keep your auto insurance rates low. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Fremont, a reckless driving citation results in an average insurance rate increase of $2,942 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $2,850 increase and a speeding ticket triggers a $714 rate hike.
AVERAGE FREMONT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation/Incident||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$1,761|
|At-fault Accident (damages greater than $2,000)||$3,083|
|Speeding Ticket (16-20 mph over speed limit)||$2,468|
Fremont car insurance costs by credit score
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Fremont drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 0% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Fremont, improving your credit to "Fair" could help you earn $0 in savings on insurance premiums each year.
FREMONT CAR INSURANCE PREMIUMS BY CREDIT LEVEL
|Credit Tier||Average Yearly Rate|
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, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Fremont, you can expect 55 rainy days with an annual rainfall of 15 inches. Fremont is also known to experience earthquakes and wildfires.
Rainy Days a Year
Avg. Annual Rainfall
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Find Local Fremont Agents
Winchester Insurance Agency-Fremont, Inc. dba Armor & Associates
39159 Paseo Padre Pkwy Ste. 116, 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
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