Fremont Auto Insurance Review [2024]

Fremont Auto Insurance, exclusively available to Michigan drivers through independent agents, offers affordable policies with a comprehensive range of coverage options, including liability, collision, and additional add-ons like roadside assistance and guaranteed asset protection.

UPDATED: Apr 23, 2024Fact Checked

Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

UPDATED: Apr 23, 2024

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It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

UPDATED: Apr 23, 2024

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident insurance decisions. Comparison shopping should be easy. We are not affiliated with any one insurance provider and cannot guarantee quotes from any single provider.

Our insurance industry partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different insurance providers please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

UPDATED: Apr 23, 2024Fact Checked
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Fremont Insurance

Average Monthly Rate For Good Drivers

$69

A.M. Best Rating:

A

Complaint Level:

Low

Pros

  • Fremont Insurance offers a variety of optional policy add-ons, including roadside assistance and guaranteed asset protection (GAP) insurance.
  • The company provides a membership portal that allows customers to access their policy information, make changes, and file claims online.
  • Fremont Insurance expanded its business insurance offerings into Wisconsin, giving the company more reach.
  • The excess attendant care option includes additional care for certain policies with limited PIP protection.
  • Fremont Insurance has strong financial ratings from A.M. Best, indicating a stable and secure financial standing.

Cons

  • Fremont Insurance only offers auto insurance policies in Michigan, limiting its availability to customers outside of the state.
  • Customers must go through independent agents to purchase Fremont auto insurance, as the company does not provide quote tools on its website.
  • The company does not have a mobile app for customers to manage their policies, which may be an inconvenience for some.
  • Fremont Insurance has a limited online presence, making it harder to find information or connect with the company through social media.
Fremont Insurance auto insurance policies are only offered in Michigan through independent agents. However, as of 2021, the company expanded its business insurance offerings into Wisconsin. In this Fremont Insurance auto insurance review, we'll compare customer and financial ratings, learn about the claims department, and determine if Fremont Insurance is a good fit for you. After reading about affordable Fremont Insurance auto insurance, compare quotes and secure the best coverage for you by entering your ZIP code into our free rate comparison tool above.

Fremont Insurance auto insurance policies are only offered in Michigan through independent agents. However, as of 2021, the company expanded its business insurance offerings into Wisconsin.

In this Fremont Insurance auto insurance review, we’ll compare customer and financial ratings, learn about the claims department, and determine if Fremont Insurance is a good fit for you.

After reading about affordable Fremont Insurance auto insurance, compare quotes and secure the best coverage for you by entering your ZIP code into our free rate comparison tool above.

What You Should Know About Fremont Insurance Company

Fremont Insurance auto insurance company is a subsidiary of the Auto Club Insurance Association, an AAA auto insurance company affiliate. (For more information, read our “Is AAA the same as Auto Club?“).

Currently, this company only sells auto insurance in Michigan.

But as of 2021, it also provides business insurance in both Michigan and Wisconsin.

You can purchase all of the standard auto insurance coverages through Fremont Insurance to meet or exceed the minimum insurance limits required by Michigan law.

View the legal auto insurance limits required in Michigan in the table below.

Michigan Auto Insurance Coverage Requirements

Auto Insurance Coverage Type Minimum Required Limits
Bodily injury liability per person $50,000
Bodily injury liability per incident $100,000
Property damage liability insurance $10,000
Personal injury protection (PIP) insurance Choice between unlimited coverage,
or up to $500,000 in coverage,
or up to $250,000 in coverage,
or up to $250,00 with PIP medical exclusions including non-Medicare health insurance coverage,
or up to $50,000 in coverage if enrolled in Medicaid or other qualifying health insurance coverage,
or fully opt-out if the named insured has Medicare Parts A and B.

Law changes went into effect in 2020 that allow Michigan drivers to waive personal injury protection (PIP) insurance or select lower levels of coverage.

Besides liability, collision, and comprehensive insurance, this company also sells PIP insurance, uninsured or underinsured motorist coverage, and rental car reimbursement.

For additional coverages, Fremont Insurance offers a handful of optional policy add-ons.

Additional products include roadside assistance and guaranteed asset protection (GAP) insurance.

There’s also full glass coverage, accident or violation forgiveness, excess attendant care, and an enhanced physical damage coverage option.

The excess attendant care option includes additional care for certain policies with limited PIP protection.

The enhanced vehicle damage coverage includes new car replacement services and emergency transportation coverage.

Currently, there is no Fremont Insurance mobile app for customers to use. However, the website provides you with a membership portal to create a log-in.

You can file claims, make necessary policy changes, access your ID cards, and more within the membership portal.

Plus, a handful of Fremont Insurance “pay bill” options are available to customers, including the membership portal, company website, or by contacting the company directly.

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How do you request Fremont Insurance auto insurance quotes?

All Fremont Insurance auto insurance quotes come from independent agents. This company does not even provide a quote tool on the website.

What are insurance brokers or independent agents? They are licensed insurance professionals who pull quotes from multiple companies.

Captive agents, on the other hand, typically only work for a single company.

So to request rates, you must contact one of the independent agents affiliated with Fremont Insurance.

While there’s no quote tool, the company website does provide you with a place to enter your ZIP code for a list of available agents near you.

Plus, you can also contact the company directly by calling the home office phone number at 231-924-0300 or sending an email to Info@fmic.com for further assistance.

How do you file an auto insurance claim with Fremont Insurance?

Visit the company website and access the claims center to file Fremont Insurance auto insurance claims.

There, you’re prompted to enter your customer ID or email, as well as your membership portal password.

You can also contact your licensed agent directly to file a claim.

Or, you may call the emergency claims service department phone number at 1-800-550-0325 if it’s after regular business hours.

The claims phone number is also the same number used for roadside assistance.

However, it is not the same as the Fremont Insurance customer service number.

Afterward, you’ll be contacted by your claims specialist, who helps you through the entire process.

Your claims specialist also updates you about the status of your claim. But you can also check the status of any open claims on the company website.

What are the Fremont Insurance ratings and reviews?

Analyzing an insurance company’s financial scores and customer reviews allows you to determine if a company is reliable and efficient before committing to a policy term.

Fortunately, Fremont Insurance earned an A (Excellent) financial evaluation score from the leading credit rating agency, A.M. Best.

This implies that Fremont Insurance can reliably follow through on any promises or obligations to policyholders.

When it comes to the customer experience, Fremont Insurance earned a complaint index of 0.55, according to the National Association of Insurance Commissioners (NAIC).

The complaint index median is always set to 1.00, and lower scores are better. So a 0.55 is impressive and means this company receives fewer customer complaints than the median.

Plus, according to the company website, Fremont Insurance maintains a retention rate of over 90%.

So overall, it appears real Fremont customers are satisfied with their insurance experiences with this company.

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Fremont Insurance Company Insurance Coverage Options

Fremont Insurance does sell a variety of additional insurance products besides auto policies.

For auto or recreation options, this company also sells marine, RV, camper, ATV, and snowmobile insurance.

In addition, Fremont sells homeowners insurance and coverage for renters, condos, and mobile homes.

Plus, you can purchase umbrella insurance from Fremont Insurance as well. All policies are currently available only in Michigan.

However, as of 2021, Fremont expanded its business insurance offerings into Wisconsin and Michigan.

What is the history of Fremont Insurance?

Fremont Insurance started selling policies in Michigan back in 1876 under the name Patron’s Mutual Farm Fire Insurance Company of Newaygo and Muskegon Counties.

It became a state-wide farm fire insurance company in 1932. However, it wasn’t until 2004 that the company demutualized and became the Fremont Insurance Company.

In 2011, with over 75,000 policyholders, Fremont became part of the Auto Club Group, an affiliate of AAA, to assist with its growth and service improvements.

In 2021, the company started rolling out plans to expand its business insurance offerings into Michigan and Wisconsin.

Today, with more than 130,000 policies and 53,000 customers, the company focuses on selling policies in Michigan and Wisconsin designed to meet the needs of the unique customer base.

Fremont Insurance: The Bottom Line

Overall, if you live in Michigan, consider adding Fremont Insurance auto insurance company to your comparison shopping list.

Not only are Fremont Insurance reviews from real customers overwhelmingly positive, but this company is also rated highly by credit rating companies like A.M. Best.

However, some customers may prefer using a company that doesn’t rely on independent agents for services. Plus, this company does not offer a mobile app to drivers.

So remember to compare quotes from multiple companies to truly find your best auto insurance coverage.

You’ve learned how to buy Fremont Insurance auto insurance, now secure the best policy for you by entering your ZIP code into our free quote comparison tool below and receive rates from the best companies near you.

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Fremont Insurance Company Insurance Rates Breakdown

Driver ProfileFremont AutoNational Average
Clean Record$92$119
1+ Ticket$133$147
1+ Accident$167$173
DUI$267$209
Poor Credit$158$205

*monthly rates are based on an average of minimum and full coverage for a 45-year-old male driver


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At this time, Fremont Insurance auto insurance rates are not publicly available. However, if you request a quote, you can compare it to the average insurance cost in Michigan.

The table below compares the average annual and monthly expenditures for various types of auto insurance in Michigan as recorded by the Insurance Information Institute (III).

Michigan Average Auto Insurance Expenditures

Auto Insurance Policy TypeAverage Monthly Auto Insurance ExpenditureAverage Annual Auto Insurance Expenditure
Liability insurance$79.35$952.15
Collision insurance$39.92$479.11
Comprehensive insurance$13.26$159.08
Average total expenditure$122.48$1,469.73

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The data above reflects average rates prior to the law change. But remember, changes to the minimum PIP insurance requirements allow drivers to waive the coverage or choose lower limits.

That coverage change does impact the average auto insurance rates in your state.

Plus, many other factors also influence your auto insurance rates, including your age, driving record, coverage needs, and even the make and model of the type of vehicle you drive.

So ultimately, to secure your lowest possible costs, it’s worth comparing your Fremont Insurance quote to rates from other best insurance companies as well.

Fremont Insurance Company Discounts Available

DiscountsFremont Auto
Anti Theft7%
Good Student10%
Low Mileage5%
Paperless8%
Safe Driver13%
Senior Driver6%

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Fremont Insurance offers a few discounts to drivers that lead to some minor policy rate reductions.

According to the website, Fremont provides a multi-car discount to drivers who insure more than one vehicle under their personal auto insurance policy.

You can also earn a multi-policy discount by bundling more than one insurance line through Fremont.

Plus, if you’re a member of specific associations, you may qualify for group discounts through Fremont Insurance.

Finally, if you’re a young driver, you may qualify for a good student discount by maintaining B grades or higher. However, you must contact an independent agent for a complete list of available discounts.

Frequently Asked Questions

What types of auto insurance coverage does Fremont Auto Insurance offer?

Fremont Auto Insurance provides standard auto insurance coverage, including liability, collision, and comprehensive coverage. Additionally, they offer personal injury protection, uninsured or underinsured motorist coverage, and rental car reimbursement.

How can I obtain a quote from Fremont Auto Insurance?

To get a quote from Fremont Auto Insurance, you need to contact one of the independent agents affiliated with the company. Fremont Auto Insurance does not provide a quote tool on its website.

Is Fremont Auto Insurance available outside of Michigan?

Fremont Auto Insurance expanded its business insurance offerings into Wisconsin. However, they only offer auto insurance policies to drivers in Michigan.

What are the average auto insurance rates and customer satisfaction metrics for Fremont Insurance?

As of the provided information, the average cost of auto insurance from Fremont Auto Insurance for Michigan drivers is $122.47 per month or $1,469.73 per year. Customer satisfaction metrics include an A (Excellent) financial evaluation score from A.M. Best and a complaint index of 0.55 from the National Association of Insurance Commissioners (NAIC).

How do I file an auto insurance claim with Fremont Insurance?

To file an auto insurance claim with Fremont Insurance, you can visit the company website and access the claims center. Alternatively, you can contact your licensed agent directly or call the emergency claims service department phone number at 1-800-550-0325 if it’s after regular business hours.

Compare Insurance Providers Rates to Save Up to 75%

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Travis Thompson

Licensed Insurance Agent

Travis Thompson has been a licensed insurance agent for nearly five years. After obtaining his life and health insurance licenses, he began working for Symmetry Financial Group as a State Licensed Field Underwriter. In this position, he learned the coverage options and limits surrounding mortgage protection. He advised clients on the coverage needed to protect them in the event of a death, critica...

Licensed Insurance Agent

Heidi Mertlich

Licensed Insurance Agent

Heidi works with top-rated life insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the ...

Licensed Insurance Agent

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Reviews
for Fremont Insurance Company

3.79 (32 reviews)
5
October 20, 2021

InSuReNcE

Totally Satisfied!

I can’t say enough good things about this insurance company. We had to file a claim and all my concerns were addressed efficiently and professionally. My claim agent walked me through the whole process with ease and clarity. I recommend this insurance company to anyone.
2
October 11, 2020

hajivinnie2

No sympathy for seniors.

Not good. I was promised twice that my payment would be reduced to about half of what I pay now. Since I am a senior citizen with limited income this was good news for me. We are now going into the third month that this company is not honoring what I was told would happen.
5
August 19, 2019

multi1

Low auto insurance rates

We were pleased with this company from the beginning because the auto insurance rates were a lot cheaper than what we were paying.
5
October 15, 2018

LMSERVIS

A++ IN MY BOOK

VERY COMPETITIVE RATES. EASE OF DOING BUSINESS WITH THEM. GOOD CUSTOMER SERVICE. GOOD REPUTATION.
4
August 24, 2018

Pandachick03

Markus

They insure my cars for my entire family. they are easy to reach by phone and take care is claims promptly
4
August 14, 2018

JMT

Fremont Insurance

Fremont is a Michigan based insurance that is reliable and low cost. Through my local insurance agent I have had excellent service and the few claims I have requested have gone through the system smoothly. As most companies do, Fremont has raised some of their rates in the past couple of years & that is a bit disheartening. If it get's too expensive I'll have to move on, as there are a lot of companies that are comparable.
5
July 17, 2018

SGJack

Great company all around

Fremont is a smaller Michigan based insurance company that clearly treats its customers better than most. We have been with them for over 10 years with both homeowners and auto coverage. They offer excellent discounts for a variety of reasons; senior, no at-fault claims, driving record, credit score, multi-policy, etc. On top of that, once a claim is experienced, they are quick to respond and truly exhibit a caring attitude. My vehicle was to...
Fremont is a smaller Michigan based insurance company that clearly treats its customers better than most. We have been with them for over 10 years with both homeowners and auto coverage. They offer excellent discounts for a variety of reasons; senior, no at-fault claims, driving record, credit score, multi-policy, etc. On top of that, once a claim is experienced, they are quick to respond and truly exhibit a caring attitude. My vehicle was totaled in a crash I was not responsible for. I received a couple follow-up calls that same evening after hours, just to update me on the claim progress; with additional calls back throughout the process. Within only a few days there was a check in my mailbox for a very fair value of the vehicle and I was able to replace it with little issues. Being insured by Fremont means I don't even need to explore the possibility of changing companies. One less headache in my life.
5
May 26, 2018

babsnake

Good company

Good pricing, never had a claim yet, no problems with billing and always send out the policy out on time.
5
April 18, 2018

Mantle

Great company

Great company. Rates are low and customer service is great. Agent explained all of the coverage and beat my other carriers price
4
February 17, 2018

gooey

great company

inexpensive insurance that allows you to bundle your total cars and home for a discount. they also allow monthly payments instead of every 6 months that makes payments easier. they aslo do automatic payments.
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Fremont Auto Insurance Monthly Auto Insurance Rates
Fremont Auto Insurance Monthly Auto Insurance Rates