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Fremont Insurance is a Michigan-based provider. In fact, it only offers plans in Michigan. If you're a Michigander, you might get some positive feelings knowing that your insurance dollars stay in-state and support local jobs, but is that a good enough reason to go with this auto insurance company?

In this review, we’ll look at the coverage options, prices, and customer service that you can expect from Fremont Insurance. As always, anytime you shop for car insurance, we recommend comparing quotes from multiple providers to ensure you get the best coverage and rates. Use the tool above to start comparing car insurance quotes.


In this article:



Fremont Insurance Overview

  • In business since 1876
  • Sells insurance in Michigan through independent agencies
  • Good value for good drivers
  • 3.4-star rating on Google

Fremont Insurance is owned by the Auto Club Insurance Association (ACIA), which is a AAA-affiliated club based out of Dearborn, Michigan. ACIA is the second-largest car insurance company in Michigan, but Fremont Insurance only accounts for a small portion of that.

On the Freemont Insurance website, the company states that it only works with less than 15 percent of the available insurance agencies in the state. The idea is that Fremont Insurance can provide better service to fewer drivers in total than average service to the masses.

As part of ACIA, Fremont Insurance has an A financial strength rating from AM Best. That’s a good rating, and it means Fremont has the ability to pay out customers' claims without any problems.



Coverage From Fremont Insurance

With Fremont Insurance, you can get the basic types of car insurance:

  • Bodily injury liability (BI)
  • Property damage liability (PD)
  • Comprehensive
  • Collision
  • Medical payments (MedPay)
  • Personal injury protection (PIP)
  • Uninsured/underinsured motorist (UM/UIM)

Michigan is a no-fault state. That means drivers seek compensation for medical claims from their own insurance companies, no matter who is at fault for an accident. Because of this, every driver is required to carry PIP, which covers medical costs, lost wages, and funeral costs. Drivers are also required to carry both types of liability coverage. These cover medical bills and repair costs for other drivers in accidents you cause. Many other states require liability car insurance coverage as well.

In addition to standard coverages, Fremont Insurance provides roadside assistance that covers towing, spare tire replacements, and lockout services. You’ll need to contact a Fremont Insurance agent to find out about any other coverages available to you.

Since the company offers a large range of insurance products (home, renters, commercial, umbrella, and more), we’d expect that car insurance customers can get things like rental coverage or travel expense coverage. However, the Fremont Insurance website doesn’t go into detail about any extra coverage options.

If you work for a rideshare company, make sure to ask a Fremont agent if the company provides rideshare insurance. Companies like Uber and Lyft cover you during specific driving times, but you’ll need a special type of coverage from your own company to fill in the gaps.



Fremont Insurance Cost And Discounts

Fremont Insurance doesn’t offer quotes online – you have to reach out to a local agent. From our research, we've concluded that Fremont mainly offers insurance to good drivers and is able to keep costs low by doing that. The company provides the best savings to the “best risks,” or in other words, the best drivers.

However, you might be a great driver and still find expensive car insurance rates. That’s because many things can affect the cost of your average car insurance payments, including your age, zip code, credit score, claims history, and the type of car you drive.

We found that Fremont Insurance offers the following discounts to drivers that can help you save money:

  • Multi-car
  • Multi-policy
  • Insurance score
  • Claims-free
  • Accident-free
  • Violation-free
  • Good student
  • Low mileage
  • Group affiliations

These discounts are fairly standard for car insurance companies, and you’ll need them in Michigan. According to the National Association of Insurance Commissioners (NAIC), in 2018 the average combined premium (liability, comprehensive, and collision) for drivers in the state was about $1,590.35 per year, while the average for the nation was about $1,189.64.



Fremont Insurance Reviews

Fremont Insurance has a 3.4-star rating on Google and a C+ rating from the Better Business Bureau (BBB). Overall, reviews are mixed. Here, we’ll look at a few reviews from Google and from the company’s BBB review page.

Positive Fremont Insurance Reviews

“I have been insured with Fremont for four years and have filed two claims with them. Both claims worked out well for me, and I had excellent service and communication from the adjusters.” 

- Katie H. via BBB

“I shopped around for car insurance and they are by far cheaper than anywhere else I checked!” 

- Lisa S. via Google

Negative Fremont Insurance Reviews

“We have called the claims adjuster several times and left messages… We have not received a callback nor received the check. In the meantime, I have been without a car for almost three weeks.” 

- Victoria R. via BBB

“Most frustrating insurance company to deal with. I contact [an insurance adjuster] via email, voicemails, and texts day after day, and he only responds via short text once every several days. Extremely unprofessional. My vehicle has been down for almost two months now.” 

- Mickey D. via Google 



Our Take On Fremont Insurance: 4.0 Stars

We give Fremont Insurance 4.0 out of 5.0 stars because it has great value and outstanding financial strength from AM Best but it is lacking in availability. 

Some of the reviews for Fremont Insurance are concerning, and you don't really know what coverage options you have until you contact an agent. Also, since the company works through independent insurance agents, the customer experience between insurance agents and claims adjusters could be disconnected.

We recommend getting auto insurance quotes from several companies so you can compare coverage and rates. To collect and compare free quotes from providers in your state, use the tool below.



Recommended Providers

If you're looking for the best car insurance in Michigan, you have dozens of options. You can get a quote from Fremont Insurance, but we recommend getting quotes for at least two other companies to make sure you're getting the best deal.

While you probably don’t have the time to sift through dozens of insurers, our dedicated insurance team does. Recently, we've ranked the best car insurance companies on things like price, customer service, availability, and discounts. A few providers performed well across multiple categories and rose to the top of the list. When you reach out for quotes, make sure to ask about discount opportunities.

USAA Insurance logo

USAA Insurance: 5.0 Stars

USAA is available to military members and people whose spouse or parents have had a USAA auto or home policy. If you are eligible, it would be a great idea to get a quote.

Usually, the company offers prices that are well below the state average. However, it doesn't sacrifice customer service. USAA scored very highly in J.D Power’s 2021 U.S. Auto Claims Satisfaction StudySM and 2021 U.S. Insurance Shopping StudySM. That means many drivers were happy with their experiences of both buying insurance and using it.

USAA also has an A++ financial strength rating from AM Best, which is the highest score possible. You can use a mobile app to manage your policy, file a claim, and more. Extra coverage options from USAA include roadside assistance, rideshare insurance, accident forgiveness insurance, and rental reimbursement. Read our USAA auto insurance review for the full report.

State Farm Insurance logo

State Farm Insurance: 4.5 Stars

If you don't qualify for USAA, don't worry. You can still find great rates with State Farm auto insurance. State Farm is the largest auto insurance company in the United States, and it offers a wide variety of coverage options for Michigan drivers.

Here are some highlights about State Farm:

  • Drive Safe & Save: App that rewards good driving with discounts
  • Steer Clear: Educational app for young drivers that provides discounts
  • More discounts: Good student, good driving, accident-free, vehicle safety, customer loyalty, and more
  • Reputation: A++ financial rating from AM Best and a high rating on J.D. Power’s Auto Claims Satisfaction Study
  • Extra coverage options: Roadside assistance, rideshare coverage, rental car reimbursement, travel expense coverage, and classic car insurance

Read our State Farm auto insurance review for the full report.

Get Quotes

Whenever you shop for car insurance, we recommend getting quotes from multiple providers so you can compare coverage and rates. In addition to the insurance company you choose, factors such as your age, vehicle make and model, and driving history can affect your premium, so what’s best for your neighbor might not be best for you.

To collect and compare quotes from providers available in your state, use the tool below.





In an effort to provide accurate and unbiased information to consumers, our expert review team collects data from dozens of auto insurance providers to formulate rankings of the best insurers. Companies receive a score in each of the following categories, as well as an overall weighted score out of 5.0 stars.

  • Industry Standing: Insurers with strong financial ratings and customer-first business practices receive the highest scores in this category.
  • Availability: We consider availability by state as well as exclusions for specific groups of drivers.
  • Coverage: This rating is based on types of insurance available, maximum coverage limits, and add-on policies.
  • Cost and Discounts: Our research team reviews sample quotes for a variety of drivers in every state. Companies with lower prices and many car insurance discount opportunities receive the best scores.
  • Customer Service: We comb through customer reviews and consumer feedback studies from experts like J.D. Power.
  • Technology: Auto insurers with mobile apps, advanced online services and telematics are more likely to meet consumer needs.


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