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How much is car insurance in Fremont?
|Area||Average Monthly Car Insurance Premium|
Auto insurance coverage in Fremont is about $5 cheaper than it is in the rest of California.
If you're thinking of moving to Fremont from out of state, you may still be in luck. The average monthly payment in Fremont is about $29 less than the rate for the rest of the U.S.
These rates provide a great starting point for understanding what to expect for your monthly payment, but there's no guarantee that this is what you will end up paying. There are a variety of factors that car insurance companies consider to determine how much to charge you to get your vehicle insured. Variables like age, gender, vehicle make and model, driving record, and even credit score (depending on your area) can all be taken into consideration when determining your monthly premium.
But worry not, we've done the heavy lifting and broken down the average rate for Fremont to help you understand what exactly you might be asked to pay. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP below to learn more about rates in your area!
Average Car Insurance Rates by Age
|Age Range||Average Premium|
It's pretty safe to assume that the older you are, the longer you've been driving, right? That experience can really work in your favor when it comes to auto insurance. As you can see, 18-24-year-olds pay $31 more than drivers of retirement age.
You can expect to see your monthly premium drop every 10 years or so. As you get closer to retirement, however, you may see your rates creep back up in Fremont.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. Male and female drivers in Fremont, however, both pay around $51 a month for auto insurance coverage.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Depending on your driving record, your rates can vary wildly. Those with clean records will obviously pay significantly less than those with infractions. In Fremont, a driving record with a single accident will usually get you a rate around $60 a month. In addition, drivers with a single ticket on their record can expect to pay around $94 a month on average.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$47|
|15 Years or Older||$52|
According to the first table above, trucks and vans are usually the cheapest vehicles to insure in Fremont, with drivers paying around $47 per month for auto insurance.
SUV drivers will see rates of about $49, while the rates for car owners average out to about $51 per month.
The age of your vehicle can also affect your monthly bill. Overall, newer vehicles are going to be the most expensive to insure. Once your car is around 5 years old however, your rates may start to dip back down a bit. In Fremont, vehicles eleven-to-fourteen years old are the most expensive to insure.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$53|
On average, people who are married will pay slightly less for car insurance. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
According to the table above, the difference in rates based on relationship status in Fremont can be as much as $5 a month, so it's worth taking into consideration.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$56|
Your housing situation is another factor that affects your monthly rate. In Fremont, homeowners can expect to pay around $4 a month less than those who rent. But if you live with your parents, you can expect to pay a lot more.
Depending on your insurance company, they may offer you a discount if you bundle your home or renters insurance with your auto policy.
Car Insurance Companies in Fremont, CA
Recent trends in car insurance for Fremont drivers
The average rates for car insurance are constantly changing, so it's a good idea to know the recent trends in your area when choosing your car insurance policy.
Car insurance rates in Fremont increased from 2016-2017, when they reached a high of $66. This trend changed in 2018, when they began to decrease, and have continued to do so through the present, when rates hit a low of $39 a month.
How does Fremont compare to neighboring areas?
Why are car insurance rates in Fremont different from other areas?
When considering how much to charge for coverage, car insurance companies will review a lot of factors. Your insurance policy will depend largely on where you live and will be influenced by things such as:
- Local regulations
- Area crime rates
- Road Safety (total number of local car accidents)
- Number of drivers
- Off-street parking access
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. Each area will have different rates. Guides like these are a wonderful place to get started.
How can I find the cheapest car insurance in Fremont?
Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.
Good news! Compare.com will handle the heavy lifting for you. Just enter your ZIP Code below, respond to a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering plans in Fremont.
Fremont Insurance FAQs
What factors affect car insurance quotes in Fremont?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your driving record, address, credit score, marital status, as well as your vehicle's year and make and model.
Why is the cost of car insurance in Fremont different from other neighboring cities?
Things like crime rates, local laws, and parking situations, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.
Which car insurance company will offer me the cheapest rate in Fremont?
There isn't one company that will offer the cheapest rate to everybody. What companies will charge you are based on many different factors that vary from person to person, such as your driving record, what kind of car you drive, how many drivers will be on your policy, and a number of other factors. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once. That way, you can be confident you're getting the best price.
Do I need to change my insurance if I move to Fremont?
Whenever you relocate or experience another major life event, such as finding a new job or getting married, you should consider revisiting your current insurance policy. Using services like Compare.com to compare quotes from multiple companies at once is a great way to make sure you're getting the cheapest rate for your new location.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Fremont or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?