Cheap Car Insurance in Fremont, OH
Everything You Need to Know About Auto Insurance in Ohio
Fremont, located on both sides of the Sandusky River, is the county seat of Sandusky County and about 35 miles southeast of Toledo. The city was named in 1849 and was once a major producer of cutlery. In 2018, the Arbor Day Foundation named Fremont a “Tree City” in honor of its commitment to urban forestry. The city covers 8.57 square miles and has about 16,000 residents.
If you’re dealing with other drivers on US-20 who think they’re on the Fremont Speedway, wouldn’t it be nice to know you’re protected with the best car insurance in Ohio? The Buckeye State requires its drivers to have liability coverage to operate an automobile legally. Continue reading to learn the minimum limits, the difference between full and minimum coverage, and what you face if you risk driving uninsured.
How Much Does Car Insurance Cost in Fremont, Ohio?
Fremont residents pay about $23 a month for liability auto coverage and about $77 for full coverage. The national monthly average is $48 for liability and $147 for full coverage.
What Does Full vs. Minimum Mean?
Automobile insurance acts as a layer of protection for you in an accident. While a full policy is not legally required, it offers you the best protection, and it usually includes the following coverage options:
- Collision: This covers your property damage in an accident.
- Comprehensive: This covers non-accident-related losses, such as from fire, storms, or vandalism.
Ohio requires drivers to have a minimum liability coverage (25/50/25) to prove they are financially responsible should they cause an accident. This policy covers damage you cause others up to the policy’s limits.
If you cause a serious accident while having insufficient coverage, you are legally required to cover the damages, including medical bills and court costs, out of your own pocket. In such a scenario, your assets could even be seized to cover the damage.
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Affordable Car Insurance Rates Comparison by Cities in Ohio
Fremont drivers enjoy slightly lower auto policy rates than residents of some other Ohio cities, as shown in the chart below:
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Fremont | $77 | $23 |
| Dayton | $98 | $41 |
| Cambridge | $92 | $22 |
| Akron | $101 | $30 |
| Toledo | $95 | $36 |
Affordable Fremont Car Insurance Rates by Zip Code
Your zip code plays a role in determining your rates. Why? Drivers who live in the city, for example, face heavier traffic and a higher risk of accidents, which means their rates will likely be higher.
Fremont has just one zip code with the following average rates:
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 43420 | $77 | $23 |
Low-Cost Car Insurance Rates by Age in Fremont
You can expect lower car policy rates if you are a teen driver on your parents’ policy rather than buying your own. As you age, your insurance will likely decrease if you maintain a clean driving record until you reach your 70s, when your premium will likely go up due to increased age-related accident risk. Fremont residents can expect to pay around the following average rates at each age:
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $337 | $117 |
| 20s | $89 | $26 |
| 30s | $77 | $23 |
| 40s | $69 | $21 |
| 50s | $65 | $20 |
| 60s | $66 | $22 |
| 70s | $81 | $28 |
* Methodology: We used the following demographic to determine the average monthly premiums for Fremont residents: a 30-year-old male carrying the state’s minimum liability requirements and the state’s full coverage requirements. Premiums vary due to factors such as age, deductible amount, liability limits, discount program eligibility, type of car, and more.
Driving Conditions in Fremont
How Many Fatal Accidents Happen in Fremont?
There was one fatal accident in Fremont in 2022.
How Are the Road Infrastructure and Bridges in Fremont?
The City of Fremont Streets Department maintains the city’s 219 miles of roads and 19.5 miles of city alleys. Maintenance includes blacktop repair (such as potholes and asphalt cracks), traffic signals, traffic control in emergency situations, and street signage. City officials also keep roadways free of debris, such as trash, leaves, and snow.
The Ohio Department of Transportation provides financial assistance to Fremont for bridge maintenance and road upgrades, such as the Oak Harbor Road and Moore Street Roadway Improvements project. These improvements included road repaving, repainting pavement markings, repairing signage, and adding bike lane markings.
Minimum Car Insurance Requirements in Fremont
Fremont residents must carry the state-mandated minimum auto coverage to drive legally:
- $25,000 bodily injury liability for one person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability
Please note these minimums only cover damage you cause others. It’s a smart choice to upgrade your policy to full coverage to pay for your own unforeseen accident damage, such as if an uninsured driver plows into you or Mother Nature decides to wipe out your car by throwing a tree across it. Your insurance agent can give you all the details for your unique situation.
What Are the Penalties for Driving Without Insurance in Fremont, Ohio?
If you’re caught driving uninsured in Fremont or anywhere else in Ohio, you face losing your license for at least 90 days (longer if you already have one offense). You could also receive the following consequences:
- Lose your vehicle license plates
- Lose your vehicle registration
- Pay various fees, including court costs
- An SR-22 requirement (for high-risk drivers) for up to five years
- Forfeiture of your vehicle, in some cases
Paying a small amount each month can save you the headache of large expenses later if you get pulled over by a police officer without the required auto coverage.
Note that if you’re still making payments on a car purchase, you’ll be subject to forced placement. This term means your lender may require you to purchase vehicle insurance. If you refuse coverage, your lender may purchase it to protect themselves with their cost rolled into your loan — but for coverage that only protects their investment.
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Factors Allowed in Fremont Car Insurance Rates
Many factors go into figuring out your premium — some are behavior-based, and some are location-based. Fremont underwriters, for instance, take the following into consideration:
- Your age
- Marital status
- What you do for a living
- Vehicle age, make, and model
- Driving history (claims filed, tickets, number of years driving, etc.)
- Credit score
- Mileage
While the above factors are more personalized, agents also factor in local statistics. For instance, when the cost of medical care or the cost to replace or repair a vehicle rises, your rates will likely rise. The same is true of auto theft, vandalism, and accident rates — a hike in these factors promotes a hike in your rates.
Insurance That Helps You Prepare for the Future
Imagine you’ve worked so hard you’ve amassed a nice little nest egg for your dream home in Ballville Township or near the Rutherford B. Hayes Presidential Library & Museums. You’re not quite there, though, and you consider canceling your auto coverage to save a few bucks. After all, those extra dollars really add up.
Isn’t it better to protect yourself and your investment? After all, just one unexpected road emergency could wipe out your bank account overnight. And if that accident is serious, it could leave you with garnished wages for a long time to come.
By paying for your monthly coverage, you can protect your investment and your ability to get to work every day. Plus, having a consistent insurance plan helps prove to your agent that you are responsible and loyal. Some insurance companies reward loyal customers with policy discounts, and there are other ways to save money on your car insurance.
What Are the Best Discounts for Car Insurance in Fremont, OH?
So you’re ready to save money on your car insurance. Agents can help! There are numerous ways to lower your auto coverage, including:
Reducing your mileage can bring down your rates. You can do this by telecommuting if your job allows it and taking public transportation or carpooling. You’ll likely see savings not just in your fuel usage and maintenance costs but also in your insurance rate.
If you need more than one policy, such as a renters or homeowners policy, along with your auto coverage, bundling policies with one insurer may just save you a bundle.
Get an Online Quote for Car Insurance in Fremont Today!
You’ve worked hard for the things you love! If you spend about 40 minutes a day commuting to work like so many other Fremont residents, be sure you’re protected on the way with the best auto insurance.
Let the friendly Freeway Insurance agents help you find the cheapest car insurance in Fremont. We make it easy. Just fill out an online form for a quick quote, stop by our Fremont office, or call us at (800) 777-5620.