Best Cheap Auto Insurance in Frederick, MD (2021)

The average Frederick, MD auto insurance rates are $322 per month. The minimum auto insurance in Frederick is at least 30/60/15 in coverage to comply with Maryland auto insurance laws. To find the best cheap auto insurance in Frederick, Maryland, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

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Things to Remember

  • The average commute length in Frederick is 32.1 minutes
  • The cheapest auto insurance company in Frederick is Nationwide
  • The most expensive auto insurance company in Frederick for teen drivers is Liberty Mutual

Frederick, Maryland auto insurance requirements are 30/60/15 according to Maryland auto insurance laws. Finding cheap auto insurance in Frederick can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Frederick, Maryland, including driving record, credit, commute time, and more.

Compare auto insurance in Frederick to other Maryland cities, including Hagers auto insurance rates, Rockville auto insurance rates, and College Park auto insurance rates to see how Frederick, Maryland auto insurance rates stack up.

Before you buy Frederick, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Frederick, Maryland auto insurance quotes.

Minimum Auto Insurance in Frederick, Maryland

Frederick, Maryland auto insurance laws require that you have at least the Maryland minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Frederick, Maryland.

Minimum Required Auto Insurance Coverage in Frederick, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap Frederick, Maryland Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Frederick, Maryland are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Frederick, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $3,322 $3,199 $3,160 $3,238 $9,556 $11,149 $3,010 $3,063
GEICO $1,952 $2,130 $2,217 $2,541 $5,940 $6,812 $1,672 $1,772
Liberty Mutual $5,349 $5,349 $5,287 $5,287 $10,429 $15,480 $5,349 $7,221
Nationwide $1,630 $1,636 $1,480 $1,521 $3,781 $4,943 $1,881 $2,023
Progressive $2,144 $1,938 $1,878 $1,915 $7,683 $8,395 $2,500 $2,449
State Farm $1,848 $1,848 $1,690 $1,690 $5,833 $7,455 $2,056 $2,341
USAA $1,752 $1,719 $1,637 $1,630 $3,905 $4,609 $2,014 $2,244

Cheap Frederick, Maryland Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Frederick, Maryland is a challenge. Take a look at the annual teen auto insurance rates in Frederick, Maryland.

Annual Auto Insurance Rates for Teen Drivers in Frederick, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $9,556 $11,149
GEICO $5,940 $6,812
Liberty Mutual $10,429 $15,480
Nationwide $3,781 $4,943
Progressive $7,683 $8,395
State Farm $5,833 $7,455
USAA $3,905 $4,609

Cheap Frederick, Maryland Auto Insurance for Seniors

What are senior auto insurance rates in Frederick, Maryland? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Frederick, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $3,160 $3,238
GEICO $2,217 $2,541
Liberty Mutual $5,287 $5,287
Nationwide $1,480 $1,521
Progressive $1,878 $1,915
State Farm $1,690 $1,690
USAA $1,637 $1,630

Cheap Frederick, Maryland Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Frederick, Maryland compared to the annual auto insurance rates with a clean record in Frederick, Maryland.

Annual Frederick, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,392 $5,830 $4,392 $5,236
GEICO $2,218 $3,459 $4,212 $2,630
Liberty Mutual $5,394 $7,090 $10,594 $6,798
Nationwide $2,085 $2,780 $2,227 $2,356
Progressive $3,092 $4,086 $3,729 $3,545
State Farm $2,776 $3,485 $3,059 $3,059
USAA $1,919 $2,353 $3,418 $2,065

Cheap Frederick, Maryland Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Frederick, Maryland is not easy. Compare the annual rates for DUI auto insurance in Frederick, Maryland to find the best deal.

Annual Auto Insurance Rates After a DUI in Frederick, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,392
GEICO $4,212
Liberty Mutual $10,594
Nationwide $2,227
Progressive $3,729
State Farm $3,059
USAA $3,418

Cheap Frederick, Maryland Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Frederick, Maryland annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Frederick, Maryland

Insurance Company Poor Fair Good
Allstate $6,427 $4,486 $3,974
GEICO $3,545 $2,940 $2,904
Liberty Mutual $10,688 $6,877 $4,842
Nationwide $3,005 $2,141 $1,940
Progressive $4,545 $3,421 $2,873
State Farm $4,528 $2,686 $2,071
USAA $3,244 $2,232 $1,841

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Cheap Frederick, Maryland Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Frederick, Maryland can vary. Compare the annual cost of auto insurance by ZIP code in Frederick, Maryland to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Frederick, Maryland

ZIP Code Average Annual Rates
21701 $3,302
21702 $3,339
21703 $3,270
21704 $3,318

Cheap Frederick, Maryland Auto Insurance Rates By Commute

Commute length and annual mileage affect Frederick, Maryland auto insurance. Find the cheapest annual Frederick, Maryland auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Frederick, Maryland

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,892 $5,032
GEICO $3,081 $3,179
Liberty Mutual $7,268 $7,670
Nationwide $2,362 $2,362
Progressive $3,613 $3,613
State Farm $3,018 $3,172
USAA $2,365 $2,513

Cheap Frederick, Maryland Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Frederick, Maryland? Check out the comparison of annual Frederick, Maryland auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Frederick, Maryland

Insurance Company Low Medium High
Allstate $4,867 $4,939 $5,080
GEICO $3,033 $3,116 $3,240
Liberty Mutual $7,257 $7,450 $7,699
Nationwide $2,269 $2,368 $2,449
Progressive $3,457 $3,619 $3,763
State Farm $2,949 $3,103 $3,233
USAA $2,320 $2,447 $2,550

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Best By Category: Cheapest Auto Insurance in Frederick, Maryland

Compare the cheapest auto insurance companies in Frederick, Maryland in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Frederick, Maryland

Category Insurance Company
Teenagers USAA
Seniors Nationwide
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

The Cheapest Frederick, Maryland Auto Insurance Companies

What auto insurance companies in Frederick, Maryland are the cheapest? Compare the top Frederick, Maryland auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Frederick, Maryland

Insurance Company Average Annual Rates
Allstate $4,962
GEICO $3,130
Liberty Mutual $7,469
Nationwide $2,362
Progressive $3,613
State Farm $3,095
USAA $2,439

What affects auto insurance rates in Frederick, Maryland?

There are a lot of reasons why auto insurance rates in Frederick, Maryland are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Frederick, Maryland. Many local factors may affect your Frederick auto insurance rates.

Frederick Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Frederick, Maryland auto theft statistics, there have been 50 auto thefts in the city.

Frederick Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Frederick, Maryland commute length is 32.1 minutes according to City-Data.

Frederick Traffic

How does Frederick, Maryland rank for traffic? According to Inrix Frederick, Maryland is the 723rd most congested worldwide.

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Compare Frederick, Maryland Auto Insurance Quotes

Before you buy Frederick, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Frederick, Maryland auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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