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 AverageNational Average
$1,754$1,868$1,548

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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
InsurerAverage Annual Rate
GEICO$1,171
Mercury$1,476
AAA$1,600
Infinity$1,770
CSAA$1,877

Consult our expert guide to finding the best cheap car insurance.



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 tierAverage Annual Rate
Teenagers$6,489
20s$2,599
30s$1,707
40s$1,651
50s$1,576
60s$1,572
70s$1,827

Learn more about how age influences auto insurance rates.



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 StatusAverage Yearly Rate
Female$1,758
Male$1,754
Single$1,681
Married$1,681
Divorced$1,754
Widowed$1,706

Learn more about how gender and marital status have on car insurance rates.



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/IncidentAverage Yearly Rate
DWI/DUI$4,604
Reckless Driving$4,696
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

Get more info on how a bad driving history can impact your car insurance costs.



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 TierAverage Yearly Rate
Very Poor$1,754
Fair$1,754
Good$1,754
Very Good$1,754
Exceptional$1,754

Get additional information on how credit impacts car insurance costs.



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.

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
2
Parking

City of Fremont Parking

Parkopedia in Fremont

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 Ste. 116, Fremont, CA 94538

Salsbury & Associates Insurance Services, Inc.

3155 Kearney St, Ste 240, Fremont, CA 94538

2

$1,353

The average Fremont resident's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

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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Recent Questions:

Fremont Car Insurance

If my husband totaled our car, will I get 50% of the payout from the insurance company?

You would have to take up with your husband or an attorney since this is probably a legal issue. The payout from the insurance company goes to the primary named insured on the policy.

What do I do if a tree falls on my car?

If you have comprehensive coverage then there should be no issue with filing a claim with your insurance company and getting your vehicle repaired. Your insurance company would also handle any issues with your apartment complex being liable for the damage.