Cheapest Auto Insurance in Frederick, Maryland (2024)

USAA is the cheapest car insurance company in Frederick, with monthly liability rates as low as $75.

Jacqueline DeMarco
Jacqueline DeMarco
  • 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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Ashley Cox
Edited byAshley Cox
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Ashley CoxSenior Managing Editor
  • 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 July 25, 2024

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When it comes to car insurance prices, ZIP code matters. Frederick drivers are in luck — they spend an average of $183 per month on car insurance — a lot less than the state average of $257. 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.

Quick Facts
  • Liability-only insurance in Frederick costs an average of $134 per month, and full coverage costs $233 per month.

  • USAA, Safeco, and GEICO charge the lowest monthly premiums for Frederick drivers.

  • Insurance rates in Frederick are on par with the overall national average cost of $160 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 CompanyIQ 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 CoverageLiability OnlyBest For
Safeco8.3$171$116Coverage options
USAA9.4$156$105Military members and their families
Clearcover6.8$147$87Cheap rates
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
  • 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

Compare personalized, real-time quotes
User Reviews
3.4
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.
$83/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.
$122/mo

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.

Pros
  • Bundling discount available

  • AM Best financial strength rating of A (Excellent)

Cons
  • Below-average J.D. Power customer satisfaction rating in the Mid-Atlantic region

  • Limited discounts

Read more driver reviews of Safeco
Richard - July 22, 2024
Verified

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

I have nothing to add except that they are like most other insurance companies I hear about in terms of cancellations.

Lisa - July 21, 2024
Verified

Unfortunately

They are not helpful in maintaining positive communication with customers.

Maryjane - July 21, 2024
Verified

Just Looking

They provide a quarterly statement of coverage and cost.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
User Reviews
3.7
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.
$75/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.
$111/mo

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.

Pros
  • Specialized military discounts

  • AM Best financial strength rating of A++ (Superior)

Cons
  • No gap insurance

  • Only eligible for membership if you’re a military member, veteran, or immediate family member of one

Read more driver reviews of USAA
Charles - July 23, 2024
Verified

Average

The rates are way too high.

Ralph - July 22, 2024
Verified

No Answer

There is no senior discount available.

Wilfred - July 22, 2024
Verified

Issues Encountered with USAA

A few years ago, a minor male bicyclist collided with my car, which my wife was driving at the time. She was leaving a large intersection with a green light when the bicyclist, who was riding in a pedestrian lane, appeared from behind a stopped box truck that obscured his approach. The local police department in Belmont, MA, was called and the Traffic Control Officer wrote up the accident report, clearing my wife of any responsibility. I forwarded this report to USAA. However, when I applied for increased motor vehicle insurance coverage about a year later, I was denied. USAA cited the accident with the bicyclist as a chargeable accident against my wife, despite the police report, and they had never informed us about this. I was never able to resolve this issue. Another incident occurred on December 14, 2023. I wired $60,000 to USAA for a 7-month CD and received a receipt acknowledgment. However, on the same day, the deposit was withdrawn without any direct notice to me, except for a normal monthly bank statement reflecting the withdrawal without any explanation in mid-January. It took about 9 days for USAA to resolve the issue and return the $60,000. This was a very stressful 9 days for me, and I never received an apology or explanation. Trying to reach someone with authority through numerous phone calls was literally impossible. It took a two-page business letter with 7 enclosures to get the CEO's right-hand woman to take action and return the $60,000 to my credit union. As for insurance rates, we own, register, and insure two cars that are driven about 10 miles per week on average, sometimes 100 miles on a Saturday to visit our daughter. However, it seems that we do not receive any discount for this.

Best insurer for cheap rates: Clearcover

Compare personalized, real-time quotes
User Reviews
3.0
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.
$89/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.
$144/mo

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.

Pros
  • Comparatively affordable rates in Frederick

  • Highly rated mobile app

Cons
  • Available in only 19 states

  • Only offers car insurance, so you can’t bundle policies

Read more driver reviews of Clearcover
Ricardo - July 15, 2024
Verified

Fair

The premium keeps increasing drastically.

Nikkolaus - July 10, 2024
Verified

Prices Skyrocketing

ClearCover started off well, offering prices that were $200 lower than other companies. This made them a highly desirable choice. However, when it came time to renew, they increased the prices by $80. At the next renewal, they raised the price again, this time by $135. This eliminated the favorable price gap they initially had. At the next renewal, they increased the price yet again by $80, making their price higher than the competition's. It's time to look for other options!

Miche - July 1, 2024
Verified

Not Valued as a Loyal Customer

The price was good, but they do not value loyal customers.

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.

Find Cheap Car Insurance in Frederick, Maryland

Monthly liability rates start at $75

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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 $134 per month.

The following table outlines the cheapest average rates for liability policies in Frederick.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$75
Safeco$83
GEICO$89
State Farm$96
Midvale Home & Auto$97
Erie$109
Progressive$116
Elephant$122
CSAA$127
National General$129
Direct Auto$130
Travelers$130
GAINSCO$141
Liberty Mutual$150
Allstate$172
Bristol West$179
Nationwide$197
State Auto$224
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $233 per month.

Look at the following table to find the lowest average rates for full-coverage policies in Frederick.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA$111
Safeco$122
GEICO$132
State Farm$143
Midvale Home & Auto$152
Erie$162
CSAA$169
Progressive$172
Travelers$193
Elephant$197
National General$234
Direct Auto$252
Allstate$256
Liberty Mutual$266
Nationwide$293
State Auto$352
GAINSCO$366
Bristol West$389
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/5285c4cd74/uninsured-or-underinsured-motorist-coverage.svg

    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.

The below rates are estimated rates current as of: Monday, July 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA$75$94$98$122
Safeco$83$105$106$135
GEICO$89$111$117$145
State Farm$96$119$125$157
Midvale Home & Auto$97$126$135$158
Erie$109$140$146$178
Progressive$116$145$155$189
Elephant$122$168$157$199
CSAA$127$163$174$207
National General$129$161$171$210
Direct Auto$130$163$174$212
Travelers$130$164$172$212
GAINSCO$141$194$178$230
Liberty Mutual$150$206$215$245
Allstate$172$215$226$281
Bristol West$179$223$232$292
Nationwide$197$249$261$321
State Auto$224$304$323$366
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

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.

AgeAverage Monthly Quote
Teens$291
20s$220
30s$179
40s$161
50s$144
60s$135
70s$134

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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

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $134 per month for liability-only coverage and $233 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 $75. Safeco and GEICO also offer affordable liability coverage, with monthly rates of $83 and $89, 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Sources

  1. City of Frederick. "Monthly NIBRS Group A Crime Statistics - Year End 2023."
  2. Insurance Information Institute. "How to save money on car insurance."
  3. Maryland Department of Transportation. "Insurance Requirements for Maryland Vehicles."
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?."
  5. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info."
Jacqueline DeMarco
Jacqueline DeMarco

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.

Ashley Cox
Edited byAshley CoxSenior Managing Editor
Headshot of Managing Editor Ashley Cox
Ashley CoxSenior Managing Editor
  • 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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