Fremont Car Insurance Review: Rates & Discounts in 2023

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Jeffrey Johnson

Insurance Lawyer

Jeffrey Johnson is a legal writer with a focus on personal injury. He has worked on personal injury and sovereign immunity litigation in addition to experience in family, estate, and criminal law. He earned a J.D. from the University of Baltimore and has worked in legal offices and non-profits in Maryland, Texas, and North Carolina. He has also earned an MFA in screenwriting from Chapman Univer...

Insurance Lawyer

UPDATED: Mar 24, 2023

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Key Takeaways

  • Fremont Insurance provides car insurance, RV/camper insurance, boat insurance, ATV/snowmobile insurance, various business coverages, and farm insurance
  • Fremont is only available to people who live in Michigan and Wisconsin
  • Fremont Insurance has good customer service and financial stability

If you live in Michigan or Wisconsin, you may have heard about Fremont Insurance. Fremont is a small insurance company that has provided car insurance, business insurance, farm insurance, and more for almost 150 years.

Read our Fremont Insurance review below to learn more about its insurance products, how customers feel about the company, and more.

Enter your ZIP code into our free quote comparison tool above to find a car insurance company with affordable rates in your area.

What is Fremont Insurance?

Fremont Insurance was founded in 1876 to provide various insurance products to people living in Michigan. In 2021, the business is expanding to provide its products to people who live in Wisconsin. Fremont’s products are sold primarily through independent agents in Michigan.

Fremont Insurance prides itself on being able to tailor policies based on the specific risks of living in Michigan and Wisconsin, and updates policies based on new risks.

Fremont provides specialized policies at affordable rates from agents who offer excellent customer service.

What kinds of insurance does Fremont Insurance offer?

Fremont Insurance provides a variety of personal, business, and farm insurance policies.

Personal Insurance From Fremont

Fremont’s personal insurance includes car insurance, boat insurance, RV and camper insurance, and ATV and snowmobile insurance.

Car insurance from Fremont includes all standard policy types and optional coverages, such as roadside assistance, GAP insurance, glass coverage, accident forgiveness, and enhanced physical damage coverage.

Fremont’s RV/camper insurance and ATV/snowmobile insurance are similar to its auto insurance coverage.

Boat insurance from Fremont includes non-owned watercraft coverage, removal of wreck coverage, coverage for damage to other people’s property, physical damage coverage, and medical payments coverage. Fremont also offers coverages specifically for yachts.

Business Insurance From Fremont

Fremont’s business insurance includes business auto insurance, business owners insurance, commercial coverage, farm and country estate insurance, workers’ compensation, and umbrella insurance.

Fremont business owners insurance includes insurance for property and liability, inland marine, crime, and extra business expenses. Additional coverages include cyber liability insurance, hired and non-owned auto coverage, and employment practices liability.

The commercial coverage is very similar to the business owners insurance.

Workers’ compensation coverage includes work-related medical injury insurance, loss time disability/indemnity, death benefits, and employers liability.

Farm Insurance From Fremont

Coverages for farm owners include dwelling and personal property coverage, personal structure insurance, loss of use, farm building coverage, personal and farm liability, medical payments coverage, and equipment breakdown insurance.

Coverages for non-owned or rental farms include rental dwelling coverage, loss of earnings, personal and farm structure insurance, personal liability coverage, and medical payments insurance.

Coverages for country estates include dwelling and personal property insurance, personal structure coverage, loss of use, farm building coverage, personal and farm liability, medical payments insurance, and equipment breakdown.

How much is Fremont insurance?

Fremont Insurance is a smaller company that does not make its rates widely known online.

To get an idea of what you might pay for Fremont car insurance, take a look at the annual car insurance rates for Michigan drivers with a clean driving record:

Annual Car Insurance Rates for Michigan Drivers with a Clean Driving Record
CompanyAnnual Car Insurance Rate
Auto Owners$2,221
Automobile Club Michigan Group$2,696
State Farm$3,057
Compare RatesStart Now →

You can also see the average commercial auto insurance rates below:

Average Monthly Commercial Car Insurance Rates Based on Vehicle Type
Vehicle TypeMinimum Monthly Commercial Auto Insurance RatesMaximum Monthly Commercial Auto Insurance Rates
Delivery Van$275$516
Compare RatesStart Now →

Unfortunately, Michigan is often listed as one of the most expensive states for car insurance. Reasons for this include the no-fault insurance laws, the high percentage of uninsured drivers, and the state’s unlimited PIP coverage.

Fremont car insurance rates can be affordable if the company insures primarily safe drivers who pose less risk.

What are Fremont Insurance’s industry ratings?

Fremont’s industry ratings show that the company tries its best to focus on customer service and keeping its business running smoothly.

A.M. Best has given Fremont Insurance an A rating, meaning it has an excellent ability to meet its financial obligations, such as paying claims.

Fremont’s NAIC complaint index is 0.55, which is much lower than the national average of 1.00. This means that Fremont receives fewer complaints than companies of a similar size.

How do I get a quote or file a claim?

You can mainly find Fremont insurance quotes through an agent who sells its products. While the company’s website does not have a quote tool, you may be able to receive quotes from websites that compare quotes from multiple companies.

To file Fremont insurance claims, you can use your Fremont login to sign in on the company’s website to fill out claims forms. You can also call the emergency claims center at (800) 550-0325.

If you have roadside assistance auto insurance from Fremont, you can call the number listed above and select Emergency Road Service for immediate help.

How do I contact Fremont Insurance?

If you need to contact Fremont Insurance, your best option for personalized customer service is to talk to your insurance agent.

However, if you want to contact Fremont directly, you can call the Fremont Insurance phone number at (231) 924-0300 or email [email protected].

The Fremont headquarters is located at 933 E. Main St., Fremont, MI 49412.

Should I buy Fremont insurance?

Buying affordable Fremont insurance has its advantages and disadvantages. While a few reviews cite customer service issues, most reviews and industry rating companies report excellent customer service.

The claims process is fast and easy. You can easily manage your claims and the rest of your policy online and receive help from your insurance agent if you need it.

Some Fremont customers also praise the company for having affordable rates compared to other companies that serve the same area.

With that being said, you cannot purchase Fremont insurance if you live outside of Michigan or Wisconsin.

If you’re looking for affordable car insurance, enter your ZIP code into our free quote comparison tool below to find a company near you.

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