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Fremont Insurance: costs, coverage and reviews (2022) – MarketWatch

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Fremont Insurance is known for providing a good value to policyholders — but only in Michigan. The company is based in Fremont, Mich., and offers its insurance products exclusively to drivers in its home state.
We at the Home Media reviews team detail average rates, coverage options and customer reviews from Fremont Insurance below to see how the company stacks up to the best car insurance companies in the country. Remember that it’s always smart to compare car insurance quotes when shopping for coverage.
Founded in 1876 and based in Fremont, Mich., Fremont Insurance (FMIC) is one of the oldest insurance companies we have reviewed. The provider has a long history of providing quality insurance products to Michigan residents, ranging from auto and home insurance to business insurance.
Today, Fremont Insurance is owned by the Auto Club Insurance Association (ACIA), which is affiliated with the well-known roadside assistance company AAA. ACIA, based a few hours away in Dearborn, Mich., is one of the largest insurance providers in Michigan.
*Ratings are determined by our editorial review team. Learn more about our scoring methodology below.
Fremont Insurance rates are very affordable by Michigan standards. The company is able to offer low rates because it focuses on insuring low-risk clients — experienced drivers with clean driving records and good credit.
Unfortunately, car insurance in Michigan is among the most expensive in the country. According to our rate estimates, the average cost of full coverage auto insurance in Michigan is $4,429 per year. According to the National Association of Insurance Commissioners (NAIC), Michigan was ranked the second-most expensive state for auto insurance in the U.S. in 2018, making it that much more important to find affordable coverage in the state.
Fremont Insurance doesn’t offer online quote capabilities, so you won’t be able to find car insurance quotes through the company’s website. The insurer sells policies through local insurance agents throughout Michigan, so you’ll need to speak with an independent agent to find out how much you’d pay for coverage.
Fremont Insurance, like all insurance companies, calculates your rates based on information about you and your vehicle. Here are some of the factors that determine your insurance costs:
While the cost of car insurance in Michigan is high on average, Fremont Insurance has quite a few discounts to help drivers save money:
For a full list of discounts and recommendations on how to save on your policy, reach out to a local agent to learn more and get a free quote.
Fremont Insurance offers the same standard policies as most auto insurance providers. Here are the company’s standard offerings:
Michigan is one of several no-fault states in the U.S. In these states, drivers are compensated for injury claims by their own insurance providers regardless of who is at fault for an accident. Due to these laws, Michigan requires drivers to carry PIP coverage. You’ll also need to carry both types of liability insurance to cover repair costs and medical bills of other people involved in an accident you cause.
Fremont offers policyholders a number of add-on coverage options, which include the following:
To find the best add-on coverage for the needs of you and your vehicle, reach out to a Fremont agent to discuss your options.
Fremont Insurance has largely positive customer and industry reviews The company holds an A+ rating from the Better Business Bureau (BBB) and has a 4.0-star customer rating out of 5.0 on Google from just over 100 reviews. In addition, Fremont has an A rating for financial strength from AM Best, signaling its ability to reliably pay out claims.
Positive Fremont Insurance reviews often mention the ease and efficiency of settling claims with the company. Happy policyholders highlight helpful customer service representatives and adjusters throughout the process as well. On the other hand, negative Fremont Insurance reviews report delays and communication issues during the claims process.
Our team reached out to Fremont Insurance for a comment on its negative reviews but did not receive a response.
Based on our research, Fremont Insurance can be a smart choice and a good value for low-risk drivers in the state of Michigan. It offers a good number of coverage options and has relatively affordable rates on average for Michigan drivers.
Fremont Insurance may be a great auto insurance provider for many drivers. However, for those who live outside Michigan or who are looking for other car insurance options, our team recommends reaching out to Geico and Progressive for quotes.
Geico: Editor’s Choice
As the second-largest insurer in the U.S., Geico is a big name in the insurance industry. The company is known for its positive customer service, and Geico reviews tend to be positive across the board. Customers and industry professionals alike rate the company highly, which is why our team selected it as our Editor’s Choice.
Coverage from Geico is available in all 50 states, and the insurer offers discount opportunities to help make car insurance policies more affordable.
Keep reading: Geico insurance review
Progressive: Low Rates for High-Risk Drivers
We found that Progressive offers some of the most affordable rates to high-risk drivers, such as teen drivers and those with less-than-perfect driving records. But the company can be a good choice for many other drivers as well. Progressive has a good industry reputation, and its reviews from both industry experts and customers are consistently positive. 
Keep reading: Progressive insurance review
Our team gave Fremont Insurance a rating of 7.4 out of 10.0, which makes it average compared to the best car insurance companies we reviewed. It can be a good choice for low-risk drivers in Michigan based on its cost and coverage options.
Fremont Insurance is owned by the Auto Club Insurance Association, which is an affiliate of the popular AAA Auto Club Group — often referred to as “Triple A” — that’s known for its roadside assistance.
Yes. Our team rated USAA among the best car insurance companies in the country and recognized it for having Low Rates for Military. USAA auto insurance is only available to military members, veterans and their families, though it can b a great choice for those who qualify.
Because consumers rely on us to provide objective and accurate information, we created a comprehensive rating system to formulate our rankings of the best car insurance companies. We collected data on dozens of auto insurance providers to grade the companies on a wide range of ranking factors. The end result was an overall rating for each provider, with the insurers that scored the most points topping the list.
Here are the factors our ratings take into account:
*Data accurate at time of publication.
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