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Personal Auto

  • Available in Michigan

As one of the largest auto insurance carriers to work exclusively in Michigan, we understand what Michigan drivers need. Our policies offer protection that keeps you, your car, and your family safe. We reward our drivers for being responsible on the road, and we look for opportunities to help you save money.

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Standard Coverages


If you cause an accident that hurts someone or damages property, liability coverage helps you pay for damages and defends you against lawsuits.


If you’re in an accident, collision coverage helps you pay for repairs or replaces your vehicle.


Also called “Other Than Collision” coverage, comprehensive coverage helps pay for damage not caused by a collision, like hitting a deer.

Personal Injury

This coverage pays for medical expenses and work loss coverage regardless of who’s at fault.

Uninsured & Underinsured

This coverage protects you if you’re in an accident caused by someone else that isn’t insured or doesn’t have the right amount of insurance.

Rental Reimbursement

Rental reimbursement gives you automatic coverage to pay for a rental car if your car is being repaired due to a covered loss.

Additional Coverages

Roadside Assistance

If you run into a mechanical problem that leaves you on the side of the road, roadside assistance can get you moving again.

Loan/Lease Gap Coverage

Gap coverage is applied if your car is totaled and the amount left on your loan/lease is greater than the value of the vehicle.

Full Glass

This coverage waives the deductible for windshield repairs if the glass is damaged in an event other than an accident.

Accident or Violation Forgiveness

This coverage forgives your first at-fault offense or minor 2-point violation surcharge.

Excess Attendant Care

This coverage offers additional attendant care for certain policies with limited personal injury protection.

Vehicle Enhanced Physical Damage

Increases coverage for services such as new car replacement, emergency transportation, and personal property damage - among others.

File a Claim

When the unexpected happens, Fremont Insurance is by your side to help you reclaim whatever you lost. We’re committed to ensuring a smooth claims experience by keeping you informed every step of the way. 

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Ways to Save

Fremont Insurance is dedicated to helping customers get the most coverage at the best rate. Here are a few ways we can help you save.

Multi-Car Discount

You must insure more than one car on your personal auto policy to qualify.

Multi-Policy Discount

You must bundle more than one insurance policy to qualify.

Group Discount

You must be a member of a group or association that insures with Fremont Insurance to qualify.

Good Student Discount

You must be a young driver that earns good grades in school (B or higher) to qualify.

No-Fault Insurance Laws

After July 2, 2020 Michigan drivers are no longer required by law to purchase a no-fault insurance policy that includes personal injury protection (PIP) coverage. It’s now up to each driver to decide how much - if any - PIP coverage to purchase. For more information please visit DIFS website:

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Frequently Asked Questions

Do you insure motorcycles?

No, we do not insure motorcycles.

What type of policy terms do you write?

We write six or twelve month policy terms.

Who is considered a youthful operator?

A youthful operator is between age 16-24 and can be added when level 2 of the Graduated Licensing Program is complete.

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