Is Fremont Good for Auto Insurance?

Last Updated on October 16, 2026

By James Shaffer · Reviewed by Thomas Rockford, insurance industry executive and financial analyst, on October 15, 2026 · How we fact-check

Fremont Insurance is a Michigan-based insurer that’s been around since 1876. If you’re shopping for a regional company (instead of a national giant), Fremont often comes up when drivers compare car insurance quotes in Michigan.

So—is Fremont “good” for auto insurance? For many Michigan drivers, it can be a strong option, especially if you like working with a local independent agent and want Michigan-focused coverage. But it’s not the best fit for everyone, and it’s not available nationwide.

Quick Snapshot: What Fremont Is (and Isn’t)

• Where it sells auto insurance: Fremont’s personal auto product is designed for Michigan drivers (it’s known for focusing on the state’s unique no-fault system).
• How you buy: Fremont is built around a network of independent agents. If you prefer a “click-to-buy” national carrier, that may be a downside.
• What else it sells: Beyond auto, Fremont offers a variety of personal and business lines—helpful if you’re trying to bundle.

Coverage Options: What You Can Typically Get With Fremont

Like most insurers, Fremont offers the core building blocks of a policy, starting with liability coverage that can be set to meet (or exceed) minimum requirements. In Michigan, bodily injury liability defaults to $250,000 per person and $500,000 per accident, and you can choose limits as low as $50,000 and $100,000 only by completing the state’s selection form.

From there, you can generally build toward “full coverage” by adding collision and comprehensive. Comprehensive is the part that can help with non-crash losses like car theft, glass damage, weather, and animal hits.

Fremont also markets Michigan-specific protection around personal injury coverage (important in a state that’s long been known for pricey auto insurance—see why car insurance is so expensive in Michigan). Since Michigan’s no-fault rules changed in 2020, choosing the right PIP level matters more than ever. For policies issued or renewed after July 1, 2020, Michigan drivers pick a PIP medical level: unlimited, up to $500,000, up to $250,000, or, for those who qualify, $50,000 (Medicaid enrollees) or an opt-out (Medicare Parts A and B).

Depending on your needs, you may also be able to add optional coverages like roadside assistance, rental reimbursement, gap coverage, or other auto insurance add-ons.

Fremont’s auto page also lists full glass coverage that waives the deductible for non-accident windshield damage, accident or violation forgiveness for a first at-fault accident or minor 2-point violation, and excess attendant care for some policies with limited PIP.

Discounts: How Fremont Can Save You Money

Fremont’s auto page lists four discounts: multi-car, multi-policy, group (for members of a group or association that insures with Fremont) and good student. It tells you to ask an agent for the full list. Here’s how the common ones work:

• Multi-car savings (insuring more than one vehicle) — see how multi-car discounts work.
• Low-mileage savings aren’t on Fremont’s published discount list, so ask your agent whether driving less lowers your rate. Learn more about low mileage discounts.
• Good student savings for eligible young drivers — details on student auto insurance discounts.
• Bundling if you also insure your home — here’s how to bundle auto and homeowners insurance effectively.

One note: pricing in Michigan can vary wildly based on coverage choices (especially PIP), location, and driving history. The fastest way to know if Fremont is “good” for your budget is to compare apples-to-apples coverage with a few other insurers.

How to Get a Quote (and How Claims Work)

Fremont is primarily an agent-based company. To shop, you’ll usually start by finding an independent agent using Fremont’s website (or asking a local agency if they can quote Fremont).

For claims, Fremont directs customers to file through their agent or through their policyholder account, and after business hours you can call its 24-hour Emergency Claims Service Center at 1-800-550-0325. If you’re the type of customer who wants a robust app and fully self-serve experience, it’s worth asking your agent what online tools are available for your policy.

Financial Strength: Is Fremont Likely to Pay Claims?

“Good” insurance isn’t just about price—it’s also about whether the company can reliably pay claims. One of the most widely used measures is an insurer’s A.M. Best financial strength rating (explained here: A.M. Best ratings).

Fremont Insurance Company currently shows an A (Excellent) Financial Strength Rating on A.M. Best’s rating center, with a stable outlook, effective May 1, 2026. A is the third-highest grade on AM Best’s scale. See A.M. Best’s Fremont profile.

Customer Experience: What Reviews Suggest (and What to Watch For)

With most insurance companies, online reviews skew negative because people are more likely to post after a bad claim experience. When you’re evaluating Fremont, focus less on the star rating and more on patterns—especially around claim communication, repair timelines, and payment disputes.

Using NAIC complaint data for 2023 through 2025, we calculate a complaint index of 0.09 for Fremont Insurance Company, the company that writes Fremont auto policies, based on 2 confirmed complaints. An index of 1.00 is what a company of that size would be expected to draw.

You can also check third-party complaint history sources. As of October 2026, the Better Business Bureau rates Fremont D-, citing a failure to respond to three complaints filed against the company, and Fremont is not BBB-accredited. That grade and Fremont’s low NAIC complaint index measure different things. The BBB grade turns largely on whether a company answers complaints sent to the BBB, while the NAIC index compares confirmed complaints filed with state insurance regulators to the company’s size. Both are worth knowing, and a D- is worth raising with your agent.

Who Fremont Is Best For

• Michigan drivers who want a carrier built around Michigan’s no-fault realities and PIP decisions.
• People who prefer an independent agent to walk through coverage choices, discounts, and paperwork.
• Households that want to bundle multiple policies for potential savings and convenience.

When You Might Want a Different Insurer

• If you want a fully digital “buy online in 10 minutes” experience with instant quote comparisons.
• If you need a single carrier that follows you across multiple states (Fremont is a regional company, and availability is limited compared to national brands).
• If you want a big-name carrier that’s consistently included in major national satisfaction studies—see how Consumer Reports auto insurance rankings work and why smaller carriers often aren’t featured.

My advice is to have your agent quote Fremont at the same PIP level and liability limits you carry now, then ask which of Fremont’s four listed discounts made it onto the quote. Before you sign, look up Fremont’s BBB page yourself and ask the agent how Fremont handles complaints, since a D- grade comes from unanswered complaints.

FAQs: Fremont Auto Insurance

Final Word: Is Fremont Good for Auto Insurance?

For many Michigan drivers, Fremont can be a solid choice: long operating history, a Michigan-specific auto product, and an independent-agent model that appeals to people who want hands-on help. The biggest “con” is that it isn’t built like a nationwide, app-first insurer—and that’s either a dealbreaker or a non-issue depending on what you want.

If you’re considering Fremont, the smartest next step is a same-coverage comparison with a few other companies in Michigan. That’s how you’ll know whether Fremont is “good” for your budget and coverage needs.

Sources

Checked October 15, 2026

• Fremont Insurance — Personal Auto Insurance
• Fremont Insurance — Claims
• Fremont Insurance — About Us
• AM Best — Fremont Insurance Company Profile
• Better Business Bureau — Fremont Insurance Company Business Profile
• State of Michigan — Choosing PIP Medical Coverage
• Michigan Department of Insurance and Financial Services — Choosing Bodily Injury Coverage
• National Association of Insurance Commissioners — Consumer Insurance Search, Private Passenger Auto Complaints 2023-2025, October 14, 2026