A city nestled right among Baltimore, Washington, D.C., and the Chesapeake Bay, it’s no big stretch to call Frederick, Maryland, a major crossroads in the mid-Atlantic. But no matter which direction a Frederick resident is heading, they’re most likely traveling by car.
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.
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| Insurance Provider in Frederick | |
|---|---|
 State Farm | $69/mo |
 Travelers | $105/mo |
Progressive | $128/mo |
 Nationwide | $136/mo |
 Liberty Mutual | $188/mo |
| Best Companies | ||
|---|---|---|
 American Family | $232/mo | |
Liberty Mutual | $228/mo | |
Travelers | $121/mo |
See More: Best Car Insurance Companies
| Baltimore | $280/mo |
| Columbia | $242/mo |
| Germantown | $154/mo |
| Silver Spring | $196/mo |
| Frederick | $149/mo |
| Maryland | $204/mo |
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 | |
|---|---|
| teens | $451 |
| 20s | $270 |
| 30s | $204 |
| 40s | $207 |
| 50s | $195 |
| 60s | $156 |
| 70s | $113 |
| 80s | $123 |
| Driving History | |
|---|---|
| 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.
See More: High-risk Car Insurance Maryland
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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 | |
|---|---|
| Excellent | $185 |
| Good | $235 |
| Average | $244 |
| Poor | $226 |
See More: Bad Credit Car Insurance Maryland
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.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Frederick drivers measure up to their fellow Maryland motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Frederick drivers rank 17 in the number of car accidents per driver across all cities in Maryland.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Maryland, Frederick drivers rank 16 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Frederick drivers rank 13 in the number of DUI’s per driver across all cities in Maryland.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Frederick is the Toyota Corolla.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Maryland, Frederick drivers rank 5 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Frederick drivers rank 14 in clean driving records across all cities in Maryland.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Frederick drivers rank 5 in failure to yield violations per driver across all cities in Maryland.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Maryland, Frederick drivers rank 2 in the number of reckless driving offenses per driver.
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Frederick drivers rank 25 in hybrid and electric vehicle ownership across all cities in Maryland.
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.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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