13+ years writing insurance and personal finance content
Insurance, lending, and retirement expert
Jacqueline has contributed content, and her personal finance passion, to dozens of noteworthy financial brands, including Credit Karma, Bankrate, and MagnifyMoney.
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7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
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Updated November 21, 2024
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Table of contents
When it comes to car insurance prices, ZIP code matters. Frederick drivers are in luck — they spend an average of $206 per month on car insurance — a lot less than the state average of $273. Frederick had only 119 motor vehicle thefts in 2023, and low amounts of vehicle theft can help keep insurance rates low in an area.[1]
Even if you’re already paying affordable rates, comparing quotes from multiple insurers can help you make sure you’re getting the best deal on coverage in Frederick.
Liability-only insurance in Frederick costs an average of $152 per month, and full coverage costs $259 per month.
USAA, GEICO, and State Farm charge the lowest monthly premiums for Frederick drivers.
Insurance rates in Frederick are on par with the overall national average cost of $154 per month.
3 of the cheapest car insurance companies in Frederick
While snagging a good deal is appealing, selecting the ideal auto insurance company requires considering other factors like coverage types, features, financial stability ratings, and price.
To kickstart your search, here’s a list of some top-rated and budget-friendly car insurance companies in Frederick.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
---|---|---|---|---|
Safeco | 8.3 | $233 | $158 | Coverage options |
USAA | 9.4 | $156 | $101 | Military members and their families |
Clearcover | 6.8 | $147 | $87 | Cheap rates |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for coverage options: Safeco
User Reviews | 4.5 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $118/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $175/mo |
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Drivers appreciate the polite and helpful customer service and fair pricing but dislike the significant rate increases and difficulty reaching agents.
Sarah
November 10, 2024
Too Expensive
Bonnie
November 2, 2024
The Price of Car Insurance
Harris
October 31, 2024
Just Fine
Frederick drivers who want to protect themselves with more than a standard liability policy can turn to Safeco, which offers a wide variety of add-ons. From rental car reimbursement to new-vehicle replacement, you can protect whatever car you’re driving. Safeco also offers classic car coverage.
Bundling discount available
AM Best financial strength rating of A (Excellent)
Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region
Limited discounts
Best insurer for military members and their families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $77/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $118/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
USAA caters its insurance services to military members, veterans, and their families, with competitive rates, customized policies, and savings opportunities that meet their unique needs. With more than 16,000 veterans in Frederick, this company could appeal to many Frederick residents.
Specialized military discounts
AM Best financial strength rating of A++ (Superior)
No gap insurance
Only eligible for membership if you’re a military member, veteran, or immediate family member of one
Best insurer for cheap rates: Clearcover
User Reviews | 3.3 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.8 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $102/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $183/mo |
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Drivers appreciate the helpful customer service, initial low prices, and reasonable coverage but dislike the significant price increases over time.
Catherine
October 22, 2024
Great Customer Service
Brett
October 12, 2024
Unexpected Rate Increases
Richard
October 7, 2024
T.B.
If your goal is to save money, Clearcover offers some of the cheapest car insurance in Frederick. This digital-first insurer makes filing claims and making payments easy through its mobile app. Clearcover also offers rideshare and alternative transportation insurance, which not all car insurance companies offer.
Comparatively affordable rates in Frederick
Highly rated mobile app
Available in only 19 states
Only offers car insurance, so you can’t bundle policies
How to get the cheapest car insurance in Frederick
Auto insurance companies can consider factors beyond your control (like local weather and traffic patterns) when setting insurance rates, but you can take some steps to help lower your rates:[2]
Compare quotes. It’s a good idea to request quotes from at least three different car insurance companies so you can get an idea of which can offer you the best rates for the coverage you need.
Bundle multiple policies. You can often save some money when you purchase more than one insurance policy (like home insurance and auto insurance) from the same insurance company.
Seek discounts. Ask an independent insurance agent or an insurance agent at every Maryland auto insurance company you’re considering about potential discounts for things like safe driving, good student status, or using anti-theft devices.
Improve your credit score. In many states, car insurance companies can take your credit history into consideration when setting rates, and drivers with poor credit often end up with higher rates.
Cheapest liability-only car insurance in Frederick: USAA
Liability car insurance takes care of the damage and injuries you may cause to others during an accident. It covers property damage and medical expenses for others involved, but it doesn’t pay for your own car repairs or medical bills. While this type of auto insurance policy usually satisfies legal requirements, it could leave you accountable for your own vehicle repairs or medical expenses after a car accident.
Some drivers opt for this coverage type because it can be more affordable than full-coverage policies. In Frederick, liability-only car insurance costs an average of $152 per month.
The following table outlines the cheapest average rates for liability policies in Frederick.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $77 |
GEICO | $91 |
State Farm | $99 |
Root | $110 |
Erie | $112 |
Safeco | $118 |
Progressive | $119 |
CSAA | $130 |
Direct Auto | $131 |
Travelers | $134 |
National General | $143 |
Elephant | $145 |
GAINSCO | $155 |
Allstate | $177 |
Bristol West | $188 |
Nationwide | $203 |
Liberty Mutual | $230 |
Cheapest full-coverage car insurance in Frederick: USAA
Full-coverage insurance includes liability coverage and also provides collision and comprehensive insurance coverages for your own car damage. Comprehensive coverage is particularly advantageous for drivers with newer or more valuable cars, as it offers protection against theft, at-fault accidents, and natural disasters. If you finance or lease your vehicle, your lender or leasing company will probably require you to have full-coverage car insurance.
Full-coverage insurance is usually more expensive than a liability-only policy, and in Frederick, it costs an average of $259 per month.
Look at the following table to find the lowest average rates for full-coverage policies in Frederick.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
USAA | $118 |
GEICO | $140 |
State Farm | $151 |
Erie | $171 |
CSAA | $174 |
Root | $174 |
Safeco | $175 |
Progressive | $183 |
Travelers | $204 |
Elephant | $229 |
National General | $243 |
Direct Auto | $265 |
Allstate | $270 |
Nationwide | $310 |
Liberty Mutual | $318 |
GAINSCO | $367 |
Bristol West | $413 |
Cheapest recent rates near Frederick, Maryland
Drivers using Insurify have found quotes as cheap as $73/mo for liability only and $131/mo for full coverage in Frederick and other Maryland cities.
*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on November 21, 2024
*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on November 21, 2024
Car insurance requirements in Maryland
All states have their own unique minimum coverage requirements to drive legally. In Maryland, you need to maintain the following amounts of liability coverage:[3]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $30,000 per person / $60,000 per accident |
Property damage liability | $15,000 |
To protect yourself more thoroughly, you can consider buying the following insurance policies:
Collision coverage
A collision coverage policy pays to repair your vehicle in case of a collision with another vehicle or a stationary object, regardless of fault.
Comprehensive coverage
Comprehensive coverage takes care of vehicle damages and loss due to non-collision incidents, such as natural disasters, vandalism, theft, fires, or falling objects.
Gap coverage
A gap insurance policy bridges the financial gap by paying the difference between your auto loan or lease balance and the insurance settlement after a total loss.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coverage pays for your damages and injuries if a driver without insurance or without enough insurance is responsible for an accident.
Cheapest car insurance for drivers with an incident
Having an incident on your driving record — like at-fault auto accidents, speeding tickets, and driving under the influence (DUI) convictions — can increase your insurance rates.[4] Having violations like these can indicate to insurers that you’re at risk of filling future claims, and they offset potential losses by charging higher premiums.
The table below shows how different driving incidents can affect your car insurance rates.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
USAA | $77 | $95 | $100 | $123 |
GEICO | $91 | $113 | $119 | $145 |
State Farm | $99 | $122 | $128 | $158 |
Root | $110 | $147 | $154 | $156 |
Erie | $112 | $143 | $150 | $178 |
Safeco | $118 | $149 | $153 | $174 |
Progressive | $119 | $147 | $156 | $190 |
CSAA | $130 | $165 | $176 | $186 |
Direct Auto | $131 | $163 | $175 | $209 |
Travelers | $134 | $168 | $176 | $213 |
National General | $143 | $178 | $186 | $228 |
Elephant | $145 | $194 | $185 | $231 |
GAINSCO | $155 | $208 | $193 | $247 |
Allstate | $177 | $220 | $231 | $282 |
Bristol West | $188 | $235 | $245 | $299 |
Nationwide | $203 | $254 | $267 | $323 |
Liberty Mutual | $230 | $308 | $320 | $366 |
Average cost of car insurance by age
Car insurance rates tend to drop around age 35 as drivers gain more experience and become safer on the road. Teen drivers face the highest insurance rates because of their limited driving experience, increased accident risk, and tendencies toward riskier driving behaviors, making them higher-risk policyholders for insurance companies.
Senior drivers aren’t off the hook either. Around age 70, rates may rise due to factors like potential health issues and slower reaction times.
You can see from the following table how average car insurance rates can ebb and flow by age in Frederick.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $291 |
20s | $220 |
30s | $179 |
40s | $161 |
50s | $144 |
60s | $135 |
70s | $134 |
Frederick car insurance quotes by credit tier
In most states, insurance companies can use your credit history to help set monthly premiums. Drivers with excellent or good credit pay lower rates than drivers with poor credit.
In Maryland, car insurance companies may consider your credit history when determining the rate for a new policy. But they aren’t allowed to use your credit score to deny your initial application, cancel an existing policy, decline to renew your policy, or increase your premiums during a renewal.[5]
Below, you can see the average monthly rates for car insurance in Frederick based on credit tier:
Rates by Credit Tier
Frederick car insurance FAQs
If you’re shopping for car insurance in Frederick, Maryland, this additional information may help as you research your coverage options.
How much is car insurance in Frederick?
Car insurance in Frederick costs $152 per month for liability-only coverage and $259 for full coverage, according to Insurify data.
Who has the cheapest car insurance in Frederick?
USAA has the cheapest car insurance in Frederick, with monthly liability rates of $77. GEICO and State Farm also offer affordable liability coverage, with monthly rates of $91 and $99, respectively.
But it’s important to compare quotes from multiple insurers because the cheapest company for you depends on multiple factors, including your ZIP code, age, type of car you drive, and coverage levels you choose.
What are the best car insurance companies in Frederick?
USAA is the best car insurance company in Frederick. It has an A++ (Superior) financial strength rating from AM Best, a high IQ Score of 9.4 out of 5, and numerous discounts and coverage options. But it’s only available to military members and their families.
If you aren’t eligible for coverage with USAA, consider Liberty Mutual and Safeco.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
More cities in Maryland
Sources
- City of Frederick. "Monthly NIBRS Group A Crime Statistics - Year End 2023."
- Insurance Information Institute. "How to save money on car insurance."
- Maryland Department of Transportation. "Insurance Requirements for Maryland Vehicles."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
During college, Jacqueline DeMarco interned at a retirement plan advisory firm and was tasked with creating a presentation on the importance of financial wellness. During her research into how money can affect our health, relationships and career, Jacqueline realized just how important financial education is. Jacqueline is a contributor for Insurify and has worked with more than a dozen financial brands, including LendingTree, Capital One, Credit Karma, Fundera, Chime, Bankrate, Student Loan Hero, ValuePenguin, SoFi, and Northwestern Mutual, providing thoughtful content to give readers insight into complex topics that they likely didn’t learn in school.
7+ years in content creation and management
5+ years in insurance and personal finance content
Ashley is a seasoned personal finance editor who’s produced a variety of digital content, including insurance, credit cards, mortgages, and consumer lending products.
Featured in