Auto Insurance in Fremont (94538)
California · Above Average · 53th percentile statewide
Carrier Rates in 94538
6-month premiums from SERFF rate filings. Standard driver profile.
How 94538 Compares
Fremont (94538) is above average for auto insurance in California, ranking in the 53th percentile.
The cheapest carrier is Mercury at $427/6mo — 78% less than the most expensive (Wawanesa at $1,959).
The median premium of $920 is 1% above the California statewide median of $913.
Frequently Asked Questions
How much is auto insurance in Fremont (94538)?
The median 6-month premium in Fremont (94538) is $920 across 9 carriers. Premiums range from $427 to $1,959, based on SERFF regulatory rate filing data for a standard driver profile.
What's the cheapest auto insurance in 94538?
Mercury offers the lowest rate in 94538 at $427/6mo. That's 78% less than the most expensive option (Wawanesa at $1,959/6mo). Actual premiums vary based on your driving record, vehicle, and coverage selections.
Why is auto insurance above average in 94538?
Auto insurance rates in Fremont (94538) are influenced by territory rating factors including urban density, traffic patterns, claims frequency, and theft rates. Fremont ranks in the 53th percentile statewide, meaning it's above average compared to other California ZIP codes. Carriers use these geographic risk factors alongside driver-specific variables to set premiums.
Other carriers in California
Want full rate data for 94538?
Access ZIP-level rate data across all 9 carriers, 1,745 ZIP codes, multiple vehicles, and 3 coverage tiers. Updated within days of each new filing.