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

If you're in the market for a new car insurance policy, you might be wondering how Michigan and Fremont compare when it comes to the cheapest prices and biggest discounts. To find out which of these companies is the best fit for you and your wallet, check out our newest guide below.
Newly insured car driving down the road
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Quick Facts

  • Based on national averages for auto insurance, Michigan offers more affordable premiums than Fremont
  • Fremont has less expensive rates for drivers who have a speeding ticket on their driving record
  • Michigan may help you save more money -- they offer more discounts than Fremont Insurance

Fremont or Michigan: Which Company has the Cheapest Car Insurance?

So, you're thinking about switching to a new insurance policy. You've probably seen commercials and billboards from companies offering large savings, but exactly how much money can you save by switching?

You might have narrowed your search down to Fremont or Michigan as your top options, but which carrier will save you the most?

Fremont Michigan

As you can see, Michigan is around $82 a month cheaper than Fremont when looking at the national average rates for insurance.

But that doesn't mean Michigan will necessarily be less expensive than Fremont for each driver. Auto insurance carriers vary their prices depending on things like how clean your driving record is, how old you are, where you live, how good your credit score is, and tons of other factors. So, at the end of the day, premiums from every carrier will differ quite a bit from person to person.

So, if you want to find out which of Fremont or Michigan is really the best for you, keep reading to see average rates for each company broken down by lots of different rate factors.

Fremont vs. Michigan: Average Car Insurance Rates by State

State Fremont Michigan

Both Fremont and Michigan only offer car insurance in Michigan, so you'll see that the average figures here will mirror the ones we mentioned above. Michigan drivers tend to pay about $82 per month less on average compared to drivers who use Fremont for their auto insurance.

Typically, where you call home will play a big role in how much you pay for insurance, but since both companies only do business in Michigan, many other variables will come into play when you compare Fremont and Michigan. Keep reading to learn more.

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Which is the Best Company For Young Drivers?

Fremont Michigan
18-year-old drivers15401298
25-year-old drivers$438$359

Young drivers -- especially teens -- typically pay a lot for car insurance compared to older drivers. It's because teen drivers are statistically much more likely to cause collisions and other accidents that will result in an insurance claim.

But still, even with seemingly sky-high premiums, teen drivers can still find ways to save money. For example, 18-year-old drivers pay an average of almost 15% less a month by choosing Michigan over Fremont.

Even so, with both companies, you'll see your rates drop significantly by the time drivers turn 25. Michigan offers the steepest drop, with 25-year-olds paying less than a third of what 18-year-old drivers are charged. Fremont's average prices decrease over 70% during that same period.

Which is the Best Company for Retired Drivers?

Fremont Michigan
65+-year-old drivers$321$326

Drivers around retirement age generally enjoy some of the most affordable auto insurance rates you'll ever find. After all, they've likely been driving for quite some time, which normally decreases their chances of collisions and other infractions that can raise prices.

When looking at Fremont and Michigan specifically, which carrier is best for retired drivers? In this case, Fremont has the slight edge, with premiums about $5 per month less than Michigan. That being said, that difference is less than 5%, which means it ultimately will come down to other factors, like your credit score or where you live.

Which is the Best Company for Married Drivers?

Fremont Michigan

Did you know that car insurance rates are usually more expensive for those who are single than they are for married couples? That's normally because married policyholders tend to own and insure multiple vehicles, which can often earn you a discount.

For single policyholders, the difference in average prices between these two carriers is significant, with Michigan premiums coming in at around 15% less than Fremont's. The advantage for married drivers with Michigan is also obvious, where drivers save nearly 15% a month.

Fremont or Michigan: Average Rates by Gender

Fremont Michigan

Because women are less likely to get into collisions and get speeding tickets, they run a lower risk of filing a claim with insurance. So, women generally pay less for insurance than men.

Women and men end up paying same monthly rates with Fremont; men and women end up paying the same monthly premiums with Michigan.

Looking at the data for each company specifically, Michigan offers the lowest average prices for both men and women. On average, male drivers save about $82 per month and women save about $82 with Michigan compared to the average Fremont policyholder.

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Fremont vs. Michigan: Compare State Minimum vs. Full Coverage Rates

Fremont Michigan
State Minimum*$334$312
Full Coverage**$790$649

*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.

For most people, car insurance isn't the easiest topic to understand. Everyone needs insurance, but there are so many different coverages and terms that it can be hard to find the right policy for you.

However, most policies end up falling into two different types of coverage -- liability coverage (which covers the other party's injuries and property damage if you cause a collision) and full coverage (which typically refers to having collision and comprehensive coverages alongside what you get with a liability policy).

Looking specifically at state minimum liability insurance, Michigan has the slight edge, with average monthly premiums coming in at $312. If you want a full coverage policy with the same state minimum limits, Michigan again has the edge, with policies averaging around $649 a month to Fremont's $790.

Is Fremont or Michigan Better for Drivers with Spotty Records?

It's no secret -- drivers with good records end up getting the best deals on their auto insurance. But that's not to say you can't save money if you don't have the best driving record, either.

You'll probably end up paying more with accidents and speeding tickets on your record, but which of these two companies offers the most affordable prices to drivers with less-than-perfect records?

Which Company is Best for Drivers with Speeding Tickets?

Fremont Michigan
Clean Record$225$281
1 Speeding Ticket$363$486

Policyholders who use Fremont for their insurance can usually expect their monthly bill to go up about 38% after getting a speeding ticket. Michigan policyholders can expect a bit more drastic of an increase of around 42%.

Even so, Fremont tends to offer the best prices for drivers both with a ticket and with a clean record, offering rates that are 20% and 25% cheaper, respectively, compared to Michigan Insurance Company.

Which Company is Best for Drivers After an Accident?

Fremont Michigan
Clean Record$225$281
1 At-Fault Accident$307$431

Fremont drivers who get in an accident can expect to see their prices rise by over 25%, while those who have insurance through Michigan will see about a 35% increase.

At the end of the day, drivers who use Fremont end up with the cheaper prices after an accident, with average rates coming in at $307 compared to Michigan Insurance Company's $431.

Which Company is Best for Drivers with a DUI?

Fremont Michigan
Clean Record$225$281
1 DUI1353$723

If you get a DUI charge, you can expect some pretty significant increases in your monthly auto insurance bill -- normally a lot more than a collision or speeding ticket. On average, Fremont will climb your premiums around 83% after a DUI, while Michigan's average prices increase by more than 60%.

But if you end up with a DUI charge and are looking for more affordable premiums, Michigan tends to be more affordable for the average driver, with monthly premiums coming in at about $723 to Fremont's 1353.

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How does Credit Score Impact Fremont and Michigan Rates?

Did you know many car insurance carriers take your credit score into account when determining rates? This isn't true for everyone (Michigan, for example, has banned the use of credit score as an insurance factor) but it does affect lots of policyholders out there.

Insurance companies argue that those with poor credit scores are less likely to pay their bills on time each month, which raises the risk involved on their end, while the opposite is true for those with good credit.

So, which carrier offers the lowest premiums for drivers with poor, average, or good credit?

Which Company is Best for Drivers with Good Credit?

Fremont Michigan
Excellent Credit Score$545$340
Good Credit Score$545$385

Which Company is Best for Drivers with Bad Credit?

Fremont Michigan
Fair Credit Score$553$476
Poor Credit Score$604$720

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

Fremont Michigan
6,000 Annual Miles$562$451
12,000 Annual Miles$562$510

Did you know that the amount of time you spend in your car have a considerable impact on how much auto insurance carriers will charge for coverage? Typically, those who drive fewer miles will end up with less expensive prices since there's less of a chance of causing an accident and filing an insurance claim.

As you can see in the table above, annual mileage doesn't have much of an impact on how much Fremont charges. However, there's a pretty significant difference in monthly rates for Michigan, with policyholders who drive 6,000 miles every year paying around $59 less each month compared to those who drive 12,000 miles yearly. Still, for drivers in both categories, Michigan is the more affordable company.

Fremont or Michigan: 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 car insurance, but the type of area you live in can have a pretty big impact as well. Usually, those who live in urban areas will pay more than policyholders in rural areas since there are a lot more cars on the road where they live, which increases the chances of an accident.

Fremont Michigan
Urban Areas$682$493
Suburban Areas$536$488
Rural Areas$467$460

When comparing these two companies side-by-side, Michigan generally comes out as the most affordable option for drivers in all areas, regardless of if they're urban, suburban, or rural.

Those in rural areas can expect to save about $7 with Michigan compared to Fremont. People who live in suburban areas pay around $48 less with Michigan compared to Fremont. For drivers in urban ZIP codes, Michigan Insurance Company's average rates are about $189 less than Fremont Insurance.

Fremont vs. Michigan Discounts

No matter why you might be in the market for a new auto insurance policy, you're always going to want to save as much money as you can, and the best way to do that is by utilizing as many car insurance discounts as possible.

But with what seems like a million different discounts out there, it can be difficult to find all the ones you're eligible for or to nail down the company that has the most discounts for your unique driver profile.

Luckily, we did the hard work for you and compared all of the different discounts offered by Fremont and Michigan so that you can easily see which company offers the most discounts and see which ones you might be able to take advantage of.

Fremont Michigan
ABS Discount
Advance Quote Discount 
Anti-Theft Discount
Covid-19 Relief Discount
Defensive Driver Discount
Family Car Discount 
Family Discount 
Garage Discount 
Good Driving Discount
Good Student Discount
Group Discount 
Hybrid Vehicle Discount 
Multi-Car Discount 
Multi-Policy Discount
Next Generation Discount 
Paid In Full Discount
Passive Restraint Discount
Pick Up Discount 
Premier Risk Discount 
Renewal Discount 

Overall, Michigan has advantage when it comes to total number of discounts. Fremont offers a grand total of 14 discounts, while Michigan has 17.

There are a couple discounts both carriers offer, but Michigan also offers discounts for advance quote, family car, family discount, and more.

On the other hand, Fremont has a few proprietary discounts of their own for things like garage discounts, group discounts, multi-car discounts, and more.

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Final Thoughts: Is Fremont or Michigan Best for You?

So, we've broken down the average prices for many of the variables insurance companies look at, and walked through the different discounts each carrier offers, too. But, at the end of the day, which insurance company is the best one for you and your specific driver profile?

Michigan might be best for you if....

  • You will be the only person on the car insurance policy.
  • You want the most robust protection via a "full coverage" policy.
  • You've started working from home and don't have much of a commute.

Fremont might be best for you if...

  • You have a speeding ticket on your driving record.
  • Your driving record contains an at-fault collision.
  • You're of retirement age and want to take advantage of lower rates.

Hopefully, this guide helps you get a better idea of the difference between Fremont and Michigan. We also hope we've given you the information you need to make the best decision when it comes to your insurance.

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

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Fremont vs. Michigan FAQs

Is Fremont or Michigan cheaper?

Michigan is the cheaper of the two carriers when looking at national average prices, with policies averaging $480 per month with Michigan and $562 for Fremont. But that doesn't mean Michigan will be the lowest carrier for every driver, since there are a bunch of different factors (things like age, gender, driving record, etc.) that play a role in how much you pay.

Who is better, Fremont or Michigan?

Sadly, the answer truly is "it depends.". No one company is "better" for each policyholder -- it all boils down to your unique insurance profile. For example, Fremont is more affordable for drivers who have already retired, while Michigan offers less expensive premiums for single policyholders.

Why do Fremont and Michigan offer me different rates?

Auto insurance companies use quite a few different variables when calculating the prices they charge. Things such as gender, your driving record, where your home is, age, and sometimes even things like your credit score can all be taken into consideration. Both Fremont and Michigan calculate premiums using different formulas, so it's likely they'll offer different rates. The best way to determine which carrier is the cheapest for you is by comparing personalized quotes from a range of different carriers.

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

The only way to find the car insurance company that's right for you is by getting quotes from several companies and finding the one best suited for your individual budget. Luckily, does all the hard work for you. Just enter your area information and you'll get quotes from dozens of your local top auto insurance carriers for free. With those, you can guarantee you're getting the best rate. And maybe you'll find that the best carrier for you isn't Fremont or Michigan at all, but another you hadn't even thought of!


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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