Cheap Auto Insurance Quotes in Frederick, MD (2021)

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A city nestled right among Baltimore, Washington, D.C., and the Chesapeake Bay, it’s no big stretch to call Frederick, Maryland, a major crossroads in the mid-Atlantic. But no matter which direction a Frederick resident is heading, they’re most likely traveling by car.

Frederick, Maryland, averages two cars per household, which is right in line with the national average. That’s why anyone who’s hitting the road in Frederick should be sure to compare car insurance quotes from a wide range of companies and ensure they find a policy that’s protective and affordable.

Car Insurance in Frederick, MD

The average cost of Maryland car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Frederick, MD to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$69
$105
$128
$136
$188
State FarmTravelersProgressiveNationwideLiberty Mutual
Monthly $

Cheapest Car Insurance in Frederick, MD

Here are the cheapest carriers in Frederick for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Frederick, MD

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Frederick. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$189
$280
$164
$154
$196
$149
MarylandBaltimoreColumbiaGermantownSilver SpringFrederick
Monthly $

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Frederick, MD Driving Facts

maryland

Minimum Car Insurance Requirements in MD

All motor vehicles operated or parked on Maryland roadways are required to be insured. Proof of insurance must be carried in your car at all times and must available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:

  • $30,000 per person/$60,000 per accident for Bodily Injury (BI)

Bodily injury liability coverage protects drivers if their car is involved in an accident that harms another individual. The minimum limits required by Maryland state law are $30,000 for the death or injury of a single victim as a result of a car accident and $60,000 for the deaths or injuries of multiple victims. Insurance companies list this type of coverage as 30/60, referring to the dollar limitations of each minimum. If you’re in an accident, liability coverage will cover the cost of a legal proceeding as a result of a crash. Bodily injury coverage is part of the minimum coverage required by Maryland law.

  • $15,000/accident for Property Damage (PD)

The state minimum amount of property damage liability coverage required in the state of Maryland is $15,000. If an insured driver is determined to be at fault and held liable in a motor vehicle accident, this coverage pays for damage repair to another individual’s property. Property damage coverage will also pay for legal costs if an insured driver is involved in a lawsuit following an accident.

Uninsured and underinsured motorist coverage is required in Maryland. This coverage protects drivers who might incur damages from an accident caused by an uninsured or underinsured driver. If involved in an accident with an individual without sufficient coverage, insured drivers will still be covered. In Maryland, the legally required level of Uninsured Motorist coverage is:

  • $30,000 per person/$60,000 per accident for Bodily Injury
  • $15,000 per accident for Property Damage

Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:

  • Uninsured/Underinsured Motorist Bodily Injury
  • Uninsured Motorist Property Damage

Personal injury protection (PIP) coverage is also required in MarylandPIP can help cover medical costs after an accident for you and your passengers, regardless of fault. $2,500 is the minimum coverage required by Maryland law. 

Frederick Car Insurance Rates by Driver Age

The average premium rates for car insurance in Frederick tend to follow a pattern of experience. The more experience a driver has behind the wheel, the more likely they are to pay a lower average premium. That is one of the reasons why teenage drivers can expect to pay around $450.04 for coverage. Older drivers in their 70s and 80s, should only expect to pay average premiums of $112.67 and $122.88, respectively.

Driving History
No Violation$214
Speeding Ticket$227
At-Fault Accident$295
Failure to Stop for Red Light / Stop SignN/A

Frederick Car Insurance Rates by Driving and Accident History

One way to receive a lower average premium is through safe and responsible driving. This is true for the drivers of Frederick as well. Those who have no violations on their driving record can expect to have a low average premium of $213.91. This is due to the fact that they are considered less risky to insure. With this in mind, drivers who have an at-fault accident in their driving history see much higher average premium rates, at $294.76.

Frederick Car Insurance Rates by Credit Tier

Many drivers aren’t aware that their credit score may affect the average premium rates they receive for their auto insurance in Frederick. Those who have achieved an excellent rating on their credit score can expect some of the lowest average premium rates, at $184.62. On the other hand, drivers who are currently rated average on their credit score will have the highest average premium at $243.14. The good news is that by paying debts down and on time, it is possible to increase your credit score.

Frederick, MD DMV Information

MVA - Frederick is located at 1601 Bowman's Farm Rd. and is a full-service motor vehicle administration facility. Open from Monday through Friday and on Saturday mornings, the office lets drivers use an online scheduling system to set up an appointment easily.

Public Transportation in Frederick, MD

Frederick’s MARC commuter rail operates daily train service across the city and can quickly get riders to Washington, D.C. Additionally, the TransIT public transit authority operates nine bus routes in the city, with full service Monday through Friday and limited service on Saturdays.

Conclusion: How to get the best and cheapest car insurance in Frederick, MD

As you drive through the crossroads that is Frederick, you’ll want to be sure you’re safe and protected on the roads. Using Insurify to compare 10+ free car insurance quotes from a wide variety of companies is the best way to find the right insurance policy at the right price.

Find local Frederick agents

V W Brown Insurance Service
617 W. Patrick Street, Frederick, MD 21701
McGriff Insurance Services
7200 Bank Court, Frederick, MD 21703
Adams Insurance Agency, Inc.
474 Prospect Blvd, Frederick, MD 21701
F&S Insurance Services, Inc
10 W College Ter Ste 220, Frederick, MD 21701-4945
Insurance Brokers of Maryland, LLC
182 Thomas Johnson Dr Ste 202, Frederick, MD 21702
Lebherz Insurance
401 W Patrick St 1st Floor, Frederick, MD 21701
Bowers Insurance Agency
97 Thomas Johnson Dr #201, Frederick, MD 21702
Progressive Insurance
198 Thomas Johnson Dr, Frederick, MD 21701
Connie Phillips Insurance
605 W Patrick St, Frederick, MD 21701
Escobar Insurance Agency
45 Waverley Dr Suite I, Frederick, MD 21702

Insurify Insights: How Frederick Drivers Measure Up

toyota
Toyota Corolla
Most Popular Car in
Frederick, MD
suspended licenses
#16
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Frederick drivers measure up to their fellow Maryland motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Frederick

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Frederick drivers rank 17 in the number of car accidents per driver across all cities in Maryland.

  • Rank within state: #17
  • Percent of drivers in Frederick with an accident: 13.67%
  • Drivers in Frederick, MD with an accident in their driving history paid on average 45.29% more than drivers with a clean record

Speeding Frederick

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Frederick drivers rank 16 in the number of speeding infractions per driver.

  • Rank within state: #16
  • Percent of drivers in Frederick with a speeding ticket: 11.37%
  • Drivers in Frederick, MD with a speeding ticket in their driving history paid on average 44.71% more than drivers with a clean record

DUI/DWIs Frederick

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Frederick drivers rank 13 in the number of DUI’s per driver across all cities in Maryland.

  • Rank within state: #13
  • Percent of drivers in Frederick with a DUI: 1.79%
  • Drivers in Frederick, MD with a DUI in their driving history paid on average --% more than drivers with a clean record

Most Popular Vehicle Frederick

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Frederick is the Toyota Corolla.

Rude Frederick

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Frederick drivers rank 5 in rude driving infractions.

  • Rank within state: #5
  • Percent of drivers in Frederick with a reckless driving violation: 2.04%
  • Drivers in Frederick, MD with a reckless driving violation in their driving history paid on average 64.71% more than drivers with a clean record.

Safest Drivers Frederick

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Frederick drivers rank 14 in clean driving records across all cities in Maryland.

  • Rank within state: #14
  • Percent of drivers in Frederick with clean record: 77.78%

Failure to Yield the Right of Way Frederick

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Frederick drivers rank 5 in failure to yield violations per driver across all cities in Maryland.

  • Rank within state: #5
  • Percent of drivers in Frederick with a failure to yield violation: 0.38%
  • Drivers in Frederick, MD with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Frederick

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Frederick drivers rank 2 in the number of reckless driving offenses per driver.

  • Rank within state: #2
  • Percent of drivers in Frederick with a reckless driving offense: 0.38%

Hybrid/Electric Vehicle Ownership Frederick

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Frederick drivers rank 25 in hybrid and electric vehicle ownership across all cities in Maryland.

  • Rank within state: #25
  • Percent of drivers in Frederick with a hybrid/electric vehicle: 1.54%

FAQs - Frederick, MD Car Insurance

How does where I live affect my car insurance rates?

Plenty of different factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in this ZIP code and set your insurance rates accordingly.

Will my credit score affect my car insurance rates in Frederick?

Maryland car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.

Who offers the cheapest car insurance in my area?

Many factors come into play when browsing car insurance policies. To help you figure out which carriers offer the cheapest policies, use Insurify to easily compare quotes from a wide range of companies.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.