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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.
If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.
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.
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.
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.
| Cheapest Companies | Quotes |
|---|---|
 State Farm | $69/mo |
 Travelers | $105/mo |
 Progressive | $128/mo |
 Nationwide | $136/mo |
 Liberty Mutual | $188/mo |
| Best Companies | Quotes | |
|---|---|---|
 American Family | $232/mo | |
Liberty Mutual | $228/mo | |
Travelers | $121/mo |
Maryland Cities | |
|---|---|
| Baltimore | $280/mo |
| Columbia | $164/mo |
| Germantown | $154/mo |
| Silver Spring | $196/mo |
| Frederick | $149/mo |
| Maryland | $189/mo |
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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:
The minimum liability car insurance requirements for private passenger vehicles in Maryland are as follows:
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.
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:
Uninsured/underinsured motorist coverage is recommended in the state of Maryland through the forms of:
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.
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.
| Driver's Age | Avg. Monthly Cost |
|---|---|
| teens | $451 |
| 20s | $270 |
| 30s | $204 |
| 40s | $207 |
| 50s | $195 |
| 60s | $156 |
| 70s | $113 |
| 80s | $123 |
| Driving History | Avg. Monthly Cost |
|---|---|
| No Violation | $214 |
| Speeding Ticket | $227 |
| At-Fault Accident | $295 |
| Failure to Stop for Red Light / Stop Sign | N/A |
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.
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.
| Credit Tie | Avg. Monthly Cost |
|---|---|
| Excellent | $185 |
| Good | $235 |
| Average | $244 |
| Poor | $226 |
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.
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.
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.
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:
