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.
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.
| Companies | Quotes |
|---|---|
State Farm |
$69 /mo |
Travelers |
$105 /mo |
Progressive |
$128 /mo |
Nationwide |
$136 /mo |
Liberty Mutual |
$188 /mo |
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.
| Companies | Score | Quotes |
|---|---|---|
American Family |
88
|
$224 /mo |
|
Nationwide |
84
|
$136 /mo |
|
State Farm |
83
|
$69 /mo |
|
Travelers |
81
|
$105 /mo |
|
Liberty Mutual |
80
|
$188 /mo |
|
Progressive |
78
|
$128 /mo |
Average Car Insurance Cost
| Maryland Cities | |
|---|---|
| Baltimore |
$280/mo |
| Columbia |
$164/mo |
| Germantown |
$154/mo |
| Silver Spring |
$196/mo |
| Frederick |
$149/mo |
| Maryland |
$189/mo |
Click here to learn about car insurance quotes and save on your current policy.
Frederick, MD Driving Facts
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 Maryland. PIP 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.
Insurify Rankings
Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.
We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.
Here's how Frederick stacks up for the state of Maryland:
Frederick, MD
Suspended Licenses Rank
FAQs - Frederick, MD Car Insurance
© 2013-2020 Insurify, Inc. All rights reserved. Ensurify Insurance Agency is a licensed insurance agency in 50 states.