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Cheap Car Insurance in Fremont, California

Looking for cheap car insurance in Fremont? First, check out some facts about the city. Created in 1956 by merging five small communities, Fremont lies in the southeast portion of the San Francisco Bay. Its original communities have expanded into individual districts: Centerville, Niles, Irvington, Mission San Jose and Warm Springs. Home to about 230,000, Fremont is often associated with Silicon Valley, since it is the closest East Bay city. 

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Driving Conditions in Fremont

Interstate 880, also called the Nimitz Freeway, and Interstate 680, known as the Sinclair Freeway, both run through Fremont. The two freeways are connected in the Warm Springs District via a segment of Mission Boulevard.

The average commute time for Fremont is right at 24 minutes, just under the national average of about 25 minutes, according to Census Bureau data. Updated traffic information can be accessed at

Unique Laws in Fremont

California state laws prohibit motorists or cyclists from wearing earphones or earbuds in both ears while driving.

“Pedestrian scrambles” are a series of crisscross, diagonal cross walks that allow pedestrians to cross in any direction, including diagonally, at the same time while signals stop all traffic.

On mountain roads, when two vehicles meet on a steep road where neither vehicle can pass, law dictates that the one facing downhill must yield the right-of-way by backing up until the car going uphill can pass.

Fremont Crime Statistics

Crime rates in general in Fremont are below the average of communities its same size, but this apply to car theft rates. The research site Neighborhood Scout estimates your chance of having your car stolen in Fremont is one in 298. California for years has dominated the list of cities with the highest auto theft rates, with the San Francisco metro area often landing in the top 10.

Fremont had 703 cases of auto theft in 2015, or a rate of 302 incidents per 100,000 people. This is above the national average of 220 per 100,000 people, according to the National Insurance Crime Bureau.

Fremont Safety Requirements

California requires children younger than 2 are secured in a rear-facing safety seat, unless he or she is over 40 pounds or at least 40 inches tall. All children under age 8 or less than 4 feet 9 inches tall must ride in a federally-approved restraint system. Driver and all passengers are required by California laws to wear seat belts. As of 2017, drivers may not use a hand-held device while driving even to access GPS; GPS systems must be mounted within the car. Minors may not use cellphones while driving unless in an emergency.

Fremont Impaired Driving Laws

According to the California Highway Patrol, a driver who is over the age of 21 will receive a DUI charge if his or her blood alcohol level is higher than .08 percent. For drivers under the age of 21, the limit is 0.01 percent. For those driving vehicles requiring a CDL, the BAC is .04, whether they have a CDL or not. If arrested, a driver may immediately lose his license and be issued a temporary one for 30 days. He or she may request a DMV administrative hearing within 10 days. On a first conviction, an offender would lose his license for 6 months and must complete a DUI program, file a California Insurance Proof Certificate and pay all fees before reinstatement.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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