American Select vs. Fremont: Which Company is the Best Fit for You?

Want to know if American Select or Fremont is the better choice for auto insurance? You're probably wondering which company offers the best premiums or the most discounts. Check out our latest guide below to find out which of these two companies is the best for you.
Newly insured car driving down the road
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Quick Facts

  • In general, American Select offers significantly more affordable rates than Fremont
  • American Select offers cheaper average prices for policyholders who live in suburban areas
  • American Select has less expensive premiums for couples purchasing car insurance together

American Select vs. Fremont: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching your auto insurance. After all, you've seen ads from all sorts of companies offering big discounts. But exactly how much can you save by switching?

You might have narrowed your search down to American Select or Fremont for your next policy, but between the two, which company will save you the most?

American Select Fremont

Looking at the national average rates for both companies, Fremont has average rates that are about 70% per month more expensive than those from American Select.

Even so, American Select may not be the lowest or best option for each driver out there. Auto insurance carriers use all sorts of complex algorithms to calculate rates, so depending on how clean your driving record is or how old you are (among a lot of other factors), you could see wildly different prices from the ones above.

Wanting to know if American Select or Fremont is really the right carrier for you? Keep on reading to see how average premiums can change based on all of the factors we've mentioned above.

American Select or Fremont: Average Car Insurance Rates by State

State American Select Fremont

American Select and Fremont only compete against each other in Michigan, where American Select offers the cheaper average prices. For Michigan residents, American Select offers car insurance for $213 monthly on average. Fremont's average rates come out to be over 70% more expensive, at $562 a month.

But there's more to calculating insurance prices than just where you live. Continue reading to see how other factors will affect your rates.

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Which is the Best Company For Young Drivers?

American Select Fremont
18-year-old drivers$3111540
25-year-old drivers$165$438

Young drivers -- especially teens -- generally pay a lot for auto insurance compared to older drivers. The reason is that young, inexperienced drivers are statistically much more likely to get into accidents since they have less experience on the roads.

That being said, that doesn't mean that teen drivers have to just accept sky-high car insurance rates. For example, 18-year-old drivers pay an average of more than $500 less a month by choosing American Select over Fremont.

However, with both companies, you'll see your premiums decrease significantly once you turn 25. For example, average prices for American Select policyholders drop over 45% and Fremont's rates reduce more than 70% over that time.

Which is the Best Company for Retired Drivers?

American Select Fremont
65+-year-old drivers$136$321

Once you approach retirement age, you'll typically enjoy the cheapest insurance premiums out there. You've been on the road for years, and all that experience pays off when it comes to your monthly prices for car insurance.

But who has the best premiums for retired drivers between American Select and Fremont? American Select gets the edge, with rates for drivers 65 and older $185 more affordable than the national average for Fremont.

Which is the Best Company for Married Drivers?

American Select Fremont

Those who are single tend to get offered slightly more expensive insurance premiums than married drivers. This usually boils down to married policyholders having several cars on their policy -- something lots of auto insurance carriers will reward with discounts.

When it comes to relationship status, American Select is the clear winner for single drivers, with rates around $493 per month cheaper than Fremont, on average. The advantage for married couples with American Select is also obvious, where drivers save nearly 65% a month.

American Select vs. Fremont: Average Rates by Gender

American Select Fremont

You may not know, but car insurance is normally more expensive for men than for women. This is because men are more likely to get speeding tickets and get into collisions, which increases the chances of an insurance claim.

With American Select, women usually pay about $1 per month less than men; everyone gets the same monthly prices regardless of gender with Fremont.

Looking at overall affordability, American Select offers the most affordable average premiums for both men and women. On average, women save about $392 a month and men save around $391 with American Select compared to the average Fremont policyholder.

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American Select or Fremont: Compare State Minimum vs. Full Coverage Rates

American Select Fremont
State Minimum*$90$334
Full Coverage**$251$790

*State minimum value indicates liability-only policies at each state's minimum bodily injury and property damage (BI/PD) limits

**Full coverage indicates state minimum BI/PD limits with collision and comprehensive coverages added to policy.

Auto insurance can be a complicated subject for most people. There are so many different terms and coverages that it can make it pretty confusing to find the right policy.

But the most common policies that many drivers look at fall into two categories -- liability only (which provides property damage and bodily injury coverage for other drivers if you cause an accident) and full coverage (which generally refers to having comprehensive and collision coverages in addition to what you get with a liability policy).

If you're looking for state minimum liability insurance, American Select typically offers significantly less expensive rates of $90 compared to Fremont's $334. When it comes to full coverage policies with similar limits, American Select again has the edge, with policies about $500 per month more affordable than Fremont, on average.

Is American Select or Fremont Better for Drivers with Spotty Records?

It's no big secret that drivers who are accident-free get better deals on their insurance. But even if you have a spotty record, you can still find plenty of ways to save some cash on your monthly bill.

It's no secret secret that accidents and tickets lead to higher prices, but which company -- American Select or Fremont -- has the lowest rates for drivers with less-than-ideal driving records?

Which Company is Best for Drivers with Speeding Tickets?

American Select Fremont
Clean Record$117$225
1 Speeding Ticket$149$363

American Select policyholders can expect their prices to go up an average of $32 a month if they get a ticket, while Fremont normally raises premiums around $138 per month, on average.

That being said, American Select tends to offer the best prices for drivers both with a speeding ticket and with a clean record. Drivers with a clean record can save about $108 a month and drivers with a ticket can save around $214 per month with American Select Insurance Company.

Which Company is Best for Drivers After an Accident?

American Select Fremont
Clean Record$117$225
1 At-Fault Accident$158$307

Both companies will increase rates pretty significantly if you get into an at-fault accident with Fremont raising by over $80. American Select has a less extreme rise, but you can still expect to pay more than $40 more than you were prior to your first collision.

Overall, drivers who use American Select end up with the cheaper prices after an accident, with monthly premiums averaging $158 compared to Fremont Insurance's $307.

Which Company is Best for Drivers with a DUI?

American Select Fremont
Clean Record$117$225
1 DUI$2581353

On average, a DUI offense is going to cost you much more than a single accident or speeding ticket when it comes to your auto insurance bill. On average, Fremont will climb your prices about 83% after a DUI, while American Select's average premiums increase by just under 55%.

If you have a DUI on your record and are looking for more affordable prices, American Select tends to be the much less expensive option with average rates of $258 per month compared to 1353 from Fremont.

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How does Credit Score Impact American Select and Fremont Rates?

In many cases, your credit score can be used as one of the variables to determine your monthly insurance prices. This isn't always the case (Michigan, for example, has banned the use of credit score as a rating factor) but it will come into play for quite a few drivers.

Car insurance carriers argue that someone with bad credit is less likely to pay their bills on time, which makes them riskier to insure. Because of that, policyholders with bad credit will often be forced to pay more.

Looking at American Select and Fremont specifically, which carrier has the most affordable premiums for drivers at different credit levels?

Which Company is Best for Drivers with Good Credit?

American Select Fremont
Excellent Credit Score$107$545
Good Credit Score$133$545

Michigan is one of a few states that restricts insurance companies from using credit scores to calculate rates. And since Fremont is only available in Michigan, there is no data available on how credit score impacts premiums because it's not a factor at all. This may be a good thing, since American Select and other carriers tend to raise rates quite a bit in other states if you don't have excellent credit.

Which Company is Best for Drivers with Bad Credit?

American Select Fremont
Fair Credit Score$169$553
Poor Credit Score$273$604

If you have bad credit and live in Michigan, the good news is it won't cost you extra when it comes to auto insurance. As you can see, poor credit can really cost American Select drivers in other states, but no need to worry if you live in Michigan.

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Is American Select or Fremont Better for Drivers who Work from Home or Have Short Commutes?

American Select Fremont
6,000 Annual Miles$170$562
12,000 Annual Miles$170$562

The amount of time you spend behind the wheel of your car plays a big role in how much car insurance companies will charge for coverage. That's because the fewer miles you drive, the less likely you are to get into a collision and cause an insurance claim.

In this case, neither American Select or Fremont report increasing prices for drivers with higher annual mileage figures. Still, American Select comes out as the cheapest for drivers at both intervals, whether they put 6,000 or 12,000 miles on their vehicle yearly, with average premiums of $170 a month for both.

American Select vs. Fremont: Compare Rates for Urban, Suburban, and Rural Drivers

We've already mentioned how your home state can play a role in how much you pay for auto insurance, but the type of area you live in can have a sizable impact as well. Usually, policyholders who live in less densely populated rural areas will pay quite a bit less than urban drivers because there are a lot fewer cars on the roads in those areas.

American Select Fremont
Urban Areas$205$682
Suburban Areas$150$536
Rural Areas$156$467

American Select boasts the most affordable average rates for drivers in every type of area, no matter if it's urban, suburban, or rural.

In urban areas, American Select Insurance Company's average prices are around 70% less than Fremont Insurance. Drivers in suburban ZIP codes pay about 72% less with American Select compared to Fremont. If you live in a rural area, you can expect to save around 67% with American Select compared to Fremont.

American Select vs. Fremont Discounts

Regardless of why you might be in the market for a new car insurance policy, you're always going to want to save as much money as possible. That's where insurance discounts comes into play.

But with what seems like a million different discounts out there, it can be hard to nail down the carrier that has the most discounts for your unique driver profile and to find all the discounts you can take advantage of.

Below, we've taken a look at all of the different discounts American Select and Fremont offer their customers so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

American Select Fremont
ABS Discount
Account Relationship Discount 
Advance Quote Discount 
Agency Transfer Discount 
Anti-Theft Discount
Companion Auto Discount 
Company Car Discount 
Covid-19 Relief Discount 
Defensive Driver Discount
Distant Student Discount 
Driver Training Discount 
Family Discount 
Garage Discount 
Good Driving Discount 
Good Student Discount
Group Discount
Multi-Car Discount 
Multi-Policy Discount
Next Generation Discount 
Paid In Full Discount

American Select knocks Fremont out of the park when it comes to the sheer number of discounts available, offering 20 different discounts to Fremont's 14.

A couple of those are overlapping for things like discounts for being a defensive driver, discounts for being a good student, and paid in full discounts. American Select also offers account relationship discounts, advance quote discounts, agency transfer discounts, and more that Fremont does not.

On the flip side, Fremont has a couple unique discounts of its own -- COVID-19 relief discount, garage discounts, discounts for being a good driver, and more.

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Final Thoughts: Is American Select or Fremont Best for You?

You've seen the effect certain factors have on your auto insurance and the different discounts carriers offer. But, at the end of the day, which company is the right one for you and your specific profile and needs?

American Select might be best for you if....

  • You have received a ticket within the last few years.
  • You care about discounts (American Select offers the most).
  • You drive fewer than 6,000 miles each year.

Fremont might be best for you if...

  • You have a more unique driver profile than those we mentioned above.

We hope this guide has ben a valuable resource as you compare American Select and Fremont and that you can now make a more informed decision when it comes to your car insurance.

At the end of the day, the sure-fire way to make sure you're getting the best deal on your insurance policy is to compare quotes from multiple companies, not just American Select and Fremont. Luckily, sites like do all the hard work for you. Just enter your ZIP code below and get multiple free quotes from some of the best auto insurance carriers in your area, all in just a few minutes.

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American Select vs. Fremont FAQs

Is American Select or Fremont cheaper?

Looking just at the national average premiums, American Select is the cheaper of the two companies, offering average rates of $170 per month compared to $562 for Fremont. But American Select won't necessarily be the cheapest carrier for every policyholder, since there are a variety of different variables that come into play when it comes to your insurance payment.

Who is better, American Select or Fremont?

Sadly, the real answer is "it depends.". One company is not necessarily "better" for everyone -- it all depends on the makeup of your unique car insurance profile.

Why do American Select and Fremont offer me different rates?

Insurance carriers take a look at several different factors when calculating the prices they charge policyholders. Things like where you call home, age, gender, where your home is, and sometimes even things like your credit score can all be taken into consideration. Both American Select and Fremont calculate rates using different variables, so each one will most likely offer different prices. The only real way to see which carrier is the lowest for you is by comparing personalized quotes from a range of different companies.

How do I know if American Select or Fremont is right for me?

The only way to find the car insurance company that's right for you is by getting quotes from several carriers and finding the one best suited for your individual budget. Luckily, sites like make it easy for you to do just that. Just enter your ZIP code and you'll get free quotes from dozens of the best auto insurance companies in your area. That way, you can guarantee you're getting the best price. And who knows, the best carrier for you might not be American Select or Fremont at all!


All of the data referenced in this article has been gathered in collaboration with Quadrant Information Services. We analyzed more than 2.5 million rows of carrier-reported data to calculate the average rates referenced above. All rates are based on an insurance profile of a single-vehicle policy for a driver that owns a 2016 Honda Accord. For more information on how we calculate rates, please reference our data methodology.

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