What's the Average Cost of Car Insurance in Fremont?


California premiums, which are 11% greater than the national average, are recognized for being pricey. Premiums run high in the city as well, so in Fremont, it is imperative to save while insuring a vehicle. Who doesn't like saving money? Check out some methods to save on car insurance in Fremont.


INSURANCE PRICES: FREMONT VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,714$1,748$1,569


Fremont Auto Insurance by Marital Status and Gender


Auto insurance premiums in Fremont differ based on driver characteristics such as gender and marital status. You can save $76 per year if you're married as opposed to single. Rates for those who are widowed are moderately cheaper than rates for those who are single. The amount by which men's and women's car insurance premiums differ is minimal.


FREMONT AUTO INSURANCE PREMIUMS BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage Rate
Female$1,717
Male$1,714
Single$1,714
Married$1,638
Divorced$1,714
Widowed$1,646


Fremont Car Insurance for Drivers With At-Fault Accidents or Violations


Do you know by how much an at-fault accident or violation can raise your car insurance rates? Driving recklessly or under the influence will increase your car insurance premiums more than other driving violations. Drivers with a DUI or reckless driving charge in Fremont need to spend nearly triple the average for the city to insure their vehicle. Being at-fault in an accident with damages exceeding $2,000 costs you an extra $1,066 per year in premiums compared to an accident with damages less than $1,000.


AVERAGE FREMONT INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentAverage Annual Premium
DUI$4,789
Reckless Driving$4,789
At-fault Accident (damages less than $1,000)$1,714
At-fault Accident (damages greater than $2,000)$2,780
Speeding Ticket (16-20 mph over speed limit)$2,314


Fremont Car Insurance Costs by Driver Age

The biggest decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Fremont start saving an average of $4,839 on car insurance. Turning 70 causes a rise in car insurance premiums, but up until that point drivers can expect premium reductions when they move from one age group to the next. When looking across all age groups, drivers in their 60s tend to have the lowest premiums. Their rates generally average $1,474/year. People in their 50s ($1,514) aren’t paying much more. Teenage drivers have the largest premiums amongst all the age groups. They pay around $6,312 per year on car insurance premiums.


FREMONT AUTO INSURANCE PRICES BY AGE
AgeAverage Rate
Teenagers$6,312
20s$2,492
30s$1,684
40s$1,629
50s$1,514
60s$1,474
70s$1,620


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


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
2
Parking

City of Fremont Parking

Parkopedia in Fremont

Find Local Fremont Agents

Salsbury & Associates Insurance Services, Inc.

3155 Kearney St, Ste 240 Fremont, CA 94538

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

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.