Cheapest Auto Insurance in Frederick, Maryland (2024)

Safeco is the cheapest car insurance company in Frederick, with monthly liability rates as low as $72.

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 March 14, 2024

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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 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
Safeco3.8$163$105Coverage options
USAA4.5$150$105Military members and their families
Clearcover3.2$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.
  • 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.

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.
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.

Mildred - August 30, 2023
Verified
Read our Safeco review

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.
4.3
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.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

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.
3.1
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.

Catherine - January 14, 2023
Verified

Great service, low price, very helpful staff

Jack - September 12, 2022
Verified
Read our Clearcover review

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 CompanyAverage Monthly Quote
Safeco72
USAA75
GEICO89
Liberty Mutual93
Midvale Home & Auto93
State Farm96
Erie109
Elephant113
Progressive116
Travelers129
CSAA131
Direct Auto138
GAINSCO141
Nationwide160
Allstate172
Bristol West175
State Auto213
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 CompanyAverage Monthly Quote
USAA105
Safeco115
GEICO124
State Farm135
Erie153
Liberty Mutual157
Midvale Home & Auto157
Progressive163
CSAA174
Elephant175
Travelers182
Direct Auto184
Nationwide211
Allstate242
State Auto314
GAINSCO368
Bristol West371
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.

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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: Thursday, March 14 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding TicketWith At-Fault AccidentWith DUI
Safeco7297102111
USAA759296116
GEICO89109114137
Liberty Mutual93123129144
State Farm96116122148
Erie109147151152
Elephant113140147174
Progressive116148155179
Travelers129161168199
CSAA131167177202
Direct Auto138175184213
GAINSCO141168178218
Nationwide160198207247
Allstate172210220266
Bristol West175218224270
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 $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.

Sources

  1. City of Frederick. "Monthly NIBRS Group A Crime Statistics - Year End 2023." Accessed February 22, 2024
  2. Insurance Information Institute. "How to save money on car insurance." Accessed February 22, 2024
  3. Maryland Department of Transportation. "Insurance Requirements for Maryland Vehicles." Accessed February 22, 2024
  4. Insurance Information Institute. "What determines the price of an auto insurance policy?." Accessed February 22, 2024
  5. National Conference of State Legislatures. "States Consider Limits on Insurers’ Use of Consumer Credit Info." Accessed February 22, 2024
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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