What drives up car insurance rates in Fremont?

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.

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

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

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

$1,353

The average Fremont resident's annual cost of coverage

40%

Our customer's average savings after comparing insurance

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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