Best Auto Insurance Rates in Fremont, California

On average your neighbors pay $70 a month.

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Compare Auto Insurance in Fremont

With over 220,000 residents, covering over 90 square miles, Fremont, California is the fourth largest city in the Bay Area and the 15th largest city in the state of California. Whether traveling on Interstate 680 or Interstate 880, you’ll be doing plenty of driving, so having the right car insurance is important.

Average Fremont Car Insurance Rates

How much is car insurance in Fremont, CA? Average car insurance rates in Fremont are slightly lower than the national average. The average cost of auto insurance in California is $841.45 a year. The national average cost is $889.01.

Prices may vary depending on your limits, coverage, and the total number of insurance claims filed in your zip code.

California Average Annual Car Insurance Rates
Coverage Rates
Liability $489.66
Collision $396.55
Comprehensive $100.54
Total Cost Per Year $841.45
Price Per Month $70.12
Source: Facts + Statistics: Auto insurance

The graph below shows the most recent year California's rate data is available. According to the III, California car insurance rates increased from $740 in 2011 to $841 in 2015, a jump of $101, or 13.66 percent.

California average car insurance rates

QuoteWizard helps consumers compare quotes from both national car insurance companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Fremont, California and save up to 40% on your premium.

Last year, 3,116 people used QuoteWizard to compare auto insurance quotes in Fremont, CA from different companies to find the lowest rates.

Best Car Insurance Companies in Fremont, CA

This is our list of the top most common car insurance companies reported by QuoteWizard users living in Fremont, CA last year.

Top 10 Vehicles

This is our list of the top most common car makes and models owned by Fremont drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord LX/EX/DX
  2. Honda Civic EX/LX.DX
  3. Toyota Prius
  4. Toyota Camry LE/XLE/CE
  5. Honda CR-V EX/LX
  6. Ford Mustang
  7. Toyota Corolla CE/LE/S
  8. BMW 328i
  9. Ford F150
  10. Acura MDX

Minimum Car Insurance Requirements in Fremont, CA

All drivers in Fremont, California are required follow the 15/30/5 minimum liability coverage rule. This rule states that drivers must maintain policies that include at least:

  • Individual Bodily Injury Liability (BIL): $15,000.
    The total amount your insurance company will pay for one person injured in a car accident.
  • Total Bodily Injury Liability: $30,000.
    The most your insurance company will pay for every person injured in a car accident.
  • Property Damage Liability (PDL): $5,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Fremont Drivers

According to a recent report published by Allstate Insurance, when it comes to safe driving, Fremont, CA drivers are worse than average. Fremont ranked 153rd out of the 200 cities in the report. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 7.5 years.

Driving Conditions

Major factors that can influence insurance rates are weather and road conditions.


The weather in Fremont is mild year-round. There are few drastic temperature changes. Average highs seldom exceed 80 degrees in the summer or drop below 40 degrees in the winter. Residents enjoy an average of 264 sunny days with only 55 rainy days per year.

Road Conditions

The poor conditions of the roads in Fremont and the Bay Area cost drivers an average of $1,049 a year in vehicle operating costs. According to a recent study by TRIP, a whopping 71 percent of the major streets here are in poor condition and 16 percent are mediocre.

Moving Violations

Moving violations such as failure to stop, drunk driving, speeding tickets, and accidents can add points to your driver's license. You could end up with a bad driving record. If you insurer finds out they could even change your status from preferred to non-standard and ask you to purchase a high-risk auto insurance policy.

Traffic Tickets

The Superior Court of California, County of Alameda website allows you to pay traffic tickets, tells drivers how to contest tickets, and provides helpful traffic court information.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Fremont DUI insurance.

Traffic Fatalities

Fremont experienced nine auto-related fatalities in 2013. While all traffic deaths are tragedies, with Fremont’s estimated population of 224,922, and a fatality rate of 1.78 per 100,000, this is a safe US city in terms of traffic fatalities.

Vehicle Theft Rates

The city of Fremont reported 778 vehicle thefts in 2016. That's a rate of 3.35 per 1,000 residents.

Car Insurance Discounts

Are you looking for affordable car insurance? Discounts are one of the best ways to lower your rates. These are only a few of the auto insurance discounts available to Fremont, CA drivers.

  1. Bundle your auto policy with your homeowners or renters insurance. Bundling your cars and insurance policies together could save you as much as 20%
  2. Get a new car. You might qualify for the new car discount offered by many insurance carriers. If the car has safety features like electronic stability control or anti-lock brakes, you may receive further discounts
  3. Drive less. Living close to work can lower your rates if you qualify for the low mileage discount
  4. Keep your driving record clean and free of tickets and at-fault accidents. You might qualify for a good driving or accident free discount
  5. Maintain at least a B grade point average in school to qualify for the good student discount

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