For a 40-year-old driver with a clean record, Fremont car insurance averages about $211 a month ($2,527 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 6% below the Nebraska average of $224 a month. Farmers Mutual of Nebraska has the lowest full-coverage average of the four insurers we price, at about $135 a month.
Fremont, about 30 miles northwest of Omaha, costs our benchmark driver about $28 a month less than Omaha and about $13 a month less than the Nebraska average.
For liability-only coverage, Progressive averages about $23 a month here, about $5 less than Farmers Mutual of Nebraska, even though Farmers Mutual of Nebraska has the lower full-coverage average.
Cost data comes from the auto rates insurers file with state regulators, priced in Fremont’s ZIP code, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 1, 2026.
How Much Is Car Insurance in Fremont, NE?
Full coverage in Fremont averages $2,527 a year, or about $211 a month, for our benchmark driver. Liability-only coverage at Nebraska’s 25/50/25 minimum averages $524 a year ($44 a month), and 50/100/50 liability with comprehensive and collision averages $2,441 ($203 a month).
- Full coverage (100/300/100, $500 deductibles): $2,527 a year ($211 a month)
- 50/100/50 with $500 deductibles: $2,441 a year ($203 a month)
- Liability only (25/50/25): $524 a year ($44 a month)
- Dodge County: $2,527 a year ($211 a month) for full coverage
- Nebraska average: $2,688 a year ($224 a month) for full coverage
Cheap Car Insurance in Fremont: Companies Compared
- Lowest average in our data, full coverage: Farmers Mutual of Nebraska, at about $135 a month ($1,615 a year).
- Next lowest open to all drivers: Progressive, at about $143 a month, then Farm Bureau Financial Services at $274.
- Lowest liability-only average (25/50/25): Progressive, at about $23 a month, then Farmers Mutual of Nebraska at $28.
- State Farm (Nov. 2025 rates)*: about $201 a month for full coverage, from its November 2025 rates.
- Also on our list: USAA at about $136 a month, Auto-Owners at $159, GEICO at $173 and Shelter at $192 (USAA sells only to military families).
- Most expensive in our data: Allstate, at about $292 a month, $1,884 a year more than Farmers Mutual of Nebraska for the same driver and car.
Farmers Mutual of Nebraska has the lowest full-coverage average among the four insurers in our Fremont rate data. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage. Of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, which sells only to military families, and the other three name other insurers. Farmers Mutual of Nebraska is first or second in all five that include it. For liability-only coverage at 25/50/25 limits, Progressive has the lowest average among the insurers we price, at about $23 a month, followed by Farmers Mutual of Nebraska at $28.
Full-coverage averages by insurer in Fremont
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Farmers Mutual of Nebraska | $330 | $28 | $1,615 | $135 |
| Progressive | $279 | $23 | $1,712 | $143 |
| Farm Bureau Financial Services | $573 | $48 | $3,282 | $274 |
| Allstate | $915 | $76 | $3,499 | $292 |
| State Farm (Nov. 2025 rates)* | $538 | $45 | $2,414 | $201 |
| USAA (military families)* | $349 | $29 | $1,630 | $136 |
| Auto-Owners* | $412 | $34 | $1,912 | $159 |
| GEICO* | $325 | $27 | $2,074 | $173 |
| Shelter* | $508 | $42 | $2,299 | $192 |
| Fremont average | $524 | $44 | $2,527 | $211 |
This table uses Fremont’s ZIP code only. See how we calculated these rates.
Your ZIP code matters
How Much More Does Better Coverage Cost in Fremont?
Raising liability limits from 50/100/50 to 100/300/100 adds about $86 a year on average in our Fremont data, with the same $500 deductibles. That’s about $7 a month for double the per-person injury limit, three times the per-crash limit and double the property damage limit, and the full-coverage package also raises uninsured and underinsured motorist coverage to 100/300. Allstate charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Fremont?
Not for our benchmark driver. Comparing the same insurers in the same Fremont ZIP code, full coverage averaged $2,640 a year in rates as of Nov. 30, 2025, and $2,527 as of Aug. 31, 2026, a 4.3% drop. Progressive cut its Fremont average 14.6% and Farm Bureau Financial Services 10.4%, while Allstate raised its average 6.7%; Farmers Mutual of Nebraska’s average was unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 25/50/25 limits fell 1.5%, led by Progressive, which cut its liability-only average 17.7%.
What Shapes Car Insurance Costs in Fremont
Dodge County averages about $211 a month for full coverage, the eighth-least expensive of the 30 Nebraska counties we price. Our Dodge County figure comes from Fremont’s ZIP code, 68025.
Fremont costs less than the towns to its east: Bennington and Elkhorn, on the western edge of the Omaha area, average about $220 and $216 a month, and Blair, in Washington County, $230. Wahoo, to the southwest in Saunders County, averages $218. Nebraska insurers price by location as well as by driver and car, so your ZIP code can move your price.
How Fremont Car Insurance Compares With Other Nebraska Cities
More Nebraska cities and towns are in the Nebraska rates by city table, and you can compare states on our car insurance rates by state page.
Omaha, about 30 miles southeast, averages $239 a month, Lincoln, about 45 miles south, $203 and Norfolk, about 65 miles northwest, $214.
What Car Insurance Is Required in Fremont?
Drivers in Fremont follow Nebraska’s auto insurance laws. Every auto liability policy must include at least:
- Bodily injury liability of $25,000 per person and $50,000 per crash
- Property damage liability of $25,000 per crash
- Uninsured and underinsured motorist coverage of $25,000 per person and $50,000 per crash
Our Nebraska requirements guide covers proof of insurance and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Fremont
- Compare Farmers Mutual of Nebraska and Progressive first. They have the two lowest full-coverage averages open to all drivers in our Fremont data, about $135 and $143 a month.
- Quote several insurers. In our Fremont data, the lowest and highest insurer averages are about $157 a month apart for the same driver and car.
- Keep proof of insurance in your car. Nebraska requires it in the vehicle at all times, according to the Department of Motor Vehicles, and under Neb. Rev. Stat. 60-387.01 showing it on your phone doesn’t give police consent to search the phone.
- Compare at every renewal. Since November 2025, Progressive has cut its Fremont average 14.6% and Farm Bureau Financial Services 10.4%, while Allstate has raised its average 6.7%, so the order in our table can shift.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See Nebraska home insurance rates.
Ready to compare
How We Calculated Fremont Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: four full-coverage premiums from four insurers in Fremont’s ZIP code, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Nebraska averages come from four insurers, fewer than in most states. Two of them, Farmers Mutual of Nebraska and Progressive, charge far less than the other two for full coverage in every Nebraska city and town we price, so the averages can move a lot when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Nebraska’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Nebraska requires 25/50 uninsured and underinsured motorist coverage on every auto liability policy.
- Calculation: for each insurer we take its lowest eligible price in Fremont’s ZIP code. The overall average is the mean of those prices. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in that ZIP code and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP code, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm’s row uses its November 2025 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Nebraska rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Nebraska law and the Nebraska Department of Motor Vehicles. We refresh these figures when new rate data is released.
Fremont Car Insurance FAQ
For our benchmark driver, full coverage in Fremont averages about $211 a month ($2,527 a year) and liability-only coverage about $44 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 6% below the Nebraska average of $224 a month.
Farmers Mutual of Nebraska has the lowest full-coverage average in our Fremont rate data, at about $135 a month, with Progressive close behind at $143 among insurers open to all drivers. USAA, which sells only to military families, averages about $136 a month. For liability-only coverage, Progressive has the lowest average, at about $23 a month. The published 2026 statewide Nebraska rate studies we reviewed don’t agree on the cheapest insurer for full coverage: of the seven that price it, two put Farmers Mutual of Nebraska first and two GEICO, apart from USAA, and Farmers Mutual of Nebraska is first or second in all five that include it. Rates vary by driver, so compare quotes for your own car and ZIP code.
Fremont, for our benchmark driver. Fremont full coverage averages about $211 a month and Omaha about $239, a difference of about $28 a month for the same driver and car.
Lincoln, for our benchmark driver. Fremont full coverage averages about $211 a month and Lincoln about $203, a difference of about $8 a month for the same driver and car.
In our Fremont data, full coverage (100/300/100 with $500 deductibles) averages about $211 a month and liability-only coverage at 25/50/25 limits about $44, a difference of about $167 a month ($2,003 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP code, Fremont full coverage fell 4.3% between November 2025 and August 2026, from about $2,640 to $2,527 a year. Progressive cut its Fremont average 14.6% and Farm Bureau Financial Services 10.4%, while Allstate raised its average 6.7%. Liability-only coverage at 25/50/25 limits fell 1.5%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
