Cheap Auto Insurance Quotes in Frederick, MD (2021)

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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.

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.

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.

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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.

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.

Average Car Insurance Cost

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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 MarylandPIP 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. 

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Frederick Car Insurance Rates by Driver Age

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 AgeAvg. Monthly Cost
teens$451
20s$270
30s$204
40s$207
50s$195
60s$156
70s$113
80s$123
Driving HistoryAvg. Monthly Cost
No Violation$214
Speeding Ticket$227
At-Fault Accident$295
Failure to Stop for Red Light / Stop SignN/A

Frederick Car Insurance Rates by Driving and Accident History

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.

Frederick Car Insurance Rates by Credit Tier

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 TieAvg. Monthly Cost
Excellent$185
Good$235
Average$244
Poor$226

Frederick, MD DMV Information

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.

Public Transportation in Frederick, MD

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.

Conclusion: How to get the best and cheapest car insurance in Frederick, MD

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.

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:

toyota
Toyota Corolla
Most Popular Car in
Frederick, MD
suspended licenses
#22
Cities with Most
Suspended Licenses Rank

FAQs - Frederick, MD Car Insurance

How does where I live affect my car insurance rates?

Plenty of different factors come into play when determining your car insurance rates, such as your driver history, vehicle information, and even marital status. And when a car insurance company is determining your rates, they’ll also look up your ZIP code. By analyzing the rate of vehicle theft, local weather patterns, and other location-specific factors, insurers can better understand the likelihood of you filing a claim in this ZIP code and set your insurance rates accordingly.

Will my credit score affect my car insurance rates in Frederick?

Maryland car insurers are allowed to weigh a driver’s credit history when determining their car insurance rates. So if you find yourself with a low credit score, you may have to work a bit harder to find cheap car insurance premiums.

Who offers the cheapest car insurance in my area?

Many factors come into play when browsing car insurance policies. To help you figure out which carriers offer the cheapest policies, use Insurify to easily compare quotes from a wide range of companies.