Cheapest Auto Insurance in Frederick, Maryland (2024)

USAA is the cheapest car insurance company in Frederick, with monthly liability rates as low as $73.

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
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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Updated June 12, 2024

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Cheapest recent rates near Frederick, Maryland

Recent Frederick, Maryland car insurance prices for Jeep, Cadillac, Ford , and more.

*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

When it comes to car insurance prices, ZIP code matters. Frederick drivers are in luck — they spend an average of $172 per month on car insurance — a lot less than the state average of $250. 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 $129 per month, and full coverage costs $215 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest For
Safeco4.2$168$111Coverage options
USAA4.7$156$105Military members and their families
Clearcover3.4$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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for coverage options: Safeco

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.2
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
825
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.
$117/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 our Safeco review
John - June 11, 2024
Verified

Unhappy Customers

We had a wonderful policy as two seniors on a fixed budget because it was affordable. However, when it came time to renew for another year, our rates were raised by over $500. Absolutely nothing has changed on our driving record, except for us being one year older. It appears to us that seniors with impeccable records are also punished and lumped in with the irresponsible drivers on today's roads.

Angela - June 10, 2024
Verified

Don't Insure with Safeco

It was a terrible experience. I spent two days trying to add my new vehicle to my policy, but I couldn't get anyone at the agent's company to answer the phone. Safeco wouldn't make any changes to my policy without going through the agent. I ended up canceling my policy and going with another company so I could get it insured.

Larry - June 7, 2024
Verified

Disappointed

I have experienced great difficulty reaching my assigned agent. I finally called an 800 number and reached an agent who was somewhat helpful. Both my auto and homeowner policies nearly doubled without any explanation or prior notice. I am very disappointed and am now searching for a replacement company.

Best insurer for military members and their families: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$73/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.
$108/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 our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for cheap rates: Clearcover

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
NR
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.
$87/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.
$143/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 our Clearcover review
Jimmy - June 5, 2024
Verified

Too Expensive

I had them for years and made no claims. However, upon checking around, I found them to be too expensive. They were charging $200 a month more for the same coverage.

Mario - May 20, 2024
Verified

I love it!

I love this place. Every interaction was so easy.

Joshua - April 14, 2024
Verified

Loyal Customers Get Raised Rates

They start off with good rates, but after being a loyal customer, they raise the rates even though the value of the vehicles goes down.

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 $73

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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 $129 per month.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA73
Safeco77
GEICO87
State Farm94
Midvale Home & Auto97
Erie107
Progressive114
Elephant115
Liberty Mutual119
CSAA125
Travelers127
Direct Auto129
GAINSCO139
Allstate168
Bristol West174
Nationwide193
State Auto215
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 $215 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA108
Safeco117
GEICO128
State Farm139
Midvale Home & Auto148
Erie157
CSAA167
Progressive167
Liberty Mutual183
Elephant186
Travelers187
Nationwide236
Direct Auto243
Allstate248
State Auto322
GAINSCO361
Bristol West379
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.

Recent Insurify quotes for Frederick, Maryland drivers

Drivers in and around Frederick, Maryland have found policies from Erie, Direct Auto, Bristol West, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Frederick, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. 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: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
USAA739195119
Safeco779897125
GEICO87108114142
State Farm94116122153
Midvale Home & Auto97125134158
Erie107136142174
Progressive114142151186
Elephant115159147187
Liberty Mutual119164170194
CSAA125160171204
Travelers127159167207
Direct Auto129162172210
GAINSCO139192175226
Allstate168209219274
Bristol West174215223283
Nationwide193243254314
State Auto215292309350
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 $129 per month for liability-only coverage and $215 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 $73. Safeco and GEICO also offer affordable liability coverage, with monthly rates of $77 and $87, 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 4.7 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.

Featured in

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