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.
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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When it comes to car insurance prices, ZIP code matters. Frederick drivers are in luck — they spend an average of $161 per month on car insurance — a lot less than the state average of $231. 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 $120 per month, and full coverage costs $202 per month.
Safeco, USAA, and GEICO charge the lowest monthly premiums for Frederick drivers.
Insurance rates in Frederick are on par with the overall national average cost of $157 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 Company
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.
Full Coverage
Liability Only
Best For
Safeco
3.8
$163
$105
Coverage options
USAA
4.5
$150
$105
Military members and their families
Clearcover
3.2
$147
$87
Cheap 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.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
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. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
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.
3.7
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.
$72/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.
$115/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
Significant price increase! Over twenty-two dollars monthly, without any driving changes. No accidents or tickets.
BILLY - December 4, 2023
Verified
Quality price & service.
Emery - September 21, 2023
Verified
They are really patient over the phone, and anytime I can change something on my policy online.
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.
4.3
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.
$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.
$105/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
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
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.
3.1
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.
$88/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.
$147/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
The pricing is good, but the renewal process is a nightmare; calling, chatting, and filling up forms for extended renewal is too much work. Just get Progressive.
BAYRON - July 23, 2023
Verified
I filed a claim with Clearcover last year, and they haven't paid it. Now my policy has gone up by $40 per month.
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 $72
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Cheapest liability-only car insurance in Frederick: Safeco
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 $120 per month.
The following table outlines the cheapest average rates for liability policies in Frederick.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Safeco
72
USAA
75
GEICO
89
Liberty Mutual
93
Midvale Home & Auto
93
State Farm
96
Erie
109
Elephant
113
Progressive
116
Travelers
129
CSAA
131
Direct Auto
138
GAINSCO
141
Nationwide
160
Allstate
172
Bristol West
175
State Auto
213
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 $202 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
USAA
105
Safeco
115
GEICO
124
State Farm
135
Erie
153
Liberty Mutual
157
Midvale Home & Auto
157
Progressive
163
CSAA
174
Elephant
175
Travelers
182
Direct Auto
184
Nationwide
211
Allstate
242
State Auto
314
GAINSCO
368
Bristol West
371
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]
Coverage
Minimum 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:
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.
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.
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.
Uninsured/underinsured motorist coverage
Uninsured/underinsured motorist coveragepays 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: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Safeco
72
97
102
111
USAA
75
92
96
116
GEICO
89
109
114
137
Liberty Mutual
93
123
129
144
State Farm
96
116
122
148
Erie
109
147
151
152
Elephant
113
140
147
174
Progressive
116
148
155
179
Travelers
129
161
168
199
CSAA
131
167
177
202
Direct Auto
138
175
184
213
GAINSCO
141
168
178
218
Nationwide
160
198
207
247
Allstate
172
210
220
266
Bristol West
175
218
224
270
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.
Age
Average 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 $120 per month for liability-only coverage and $202 for full coverage, according to Insurify data.
Who has the cheapest car insurance in Frederick?
Safeco has the cheapest car insurance in Frederick, with monthly liability rates of $72. USAA and GEICO also offer affordable liability coverage, with monthly rates of $75 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 4.5 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.
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.
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.