Compare Frederick, CO Car Insurance Rates (2021)

Car insurance in Frederick, CO averages $316 a month. Frederick, Colorado car insurance requirements are 25/50/15, but you might need full coverage insurance if your car is financed. To find cheap Frederick car insurance rates, compare quotes from the top car insurance companies in Frederick, CO.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Frederick, CO are $3,787/year
  • The cheapest car insurance company in Frederick is Liberty Mutual
  • The cheapest car insurance company in Frederick for teen drivers is USAA

If you need to buy Frederick, Colorado car insurance, the options can be confusing. Everything you need to know about car insurance in Frederick, CO is right here.

You’ll find Frederick car insurance rates, the cheapest Frederick, CO car insurance companies, and information on Colorado car insurance laws. You can also compare Frederick, Colorado car insurance rates to Denver car insurance rates, Centennial car insurance rates, and Lakewood car insurance rates.

Ready to find affordable Frederick, CO car insurance today? Enter your ZIP code for fast, free Frederick car insurance quotes.

Cheapest Frederick, CO Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Frederick, CO car insurance rates? Every Frederick, Colorado car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Frederick, Colorado

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 $3,097 $2,884 $2,819 $2,843 $11,251 $11,851 $3,356 $3,344
American Family $2,450 $2,450 $2,212 $2,212 $5,928 $7,971 $2,450 $2,996
Farmers $3,159 $3,131 $2,846 $3,073 $12,710 $12,886 $3,492 $3,526
GEICO $1,913 $2,090 $2,031 $2,305 $5,947 $6,284 $1,748 $1,776
Liberty Mutual $1,795 $1,729 $1,529 $1,683 $5,435 $5,924 $1,810 $1,821
Nationwide $2,438 $2,478 $2,185 $2,305 $6,181 $7,890 $2,807 $3,028
Progressive $2,591 $2,423 $2,293 $2,278 $9,014 $10,061 $2,907 $2,819
State Farm $1,946 $1,946 $1,764 $1,764 $5,734 $7,245 $2,183 $2,584
USAA $1,918 $1,903 $1,845 $1,835 $4,885 $5,575 $2,453 $2,647

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Minimum Car Insurance in Frederick, CO

Every driver must carry the minimum car insurance in Frederick, CO. Take a look at the Colorado car insurance requirements.

Minimum Required Car Insurance Coverage in Frederick, Colorado

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Frederick, CO Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Frederick, CO. Compare credit history car insurance rates in Frederick from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Frederick, Colorado

Insurance Company Poor Fair Good
Allstate $6,599 $5,099 $3,844
American Family $4,646 $3,318 $2,787
Farmers $6,464 $5,305 $5,039
GEICO $3,620 $3,012 $2,403
Liberty Mutual $3,876 $2,378 $1,893
Nationwide $4,426 $3,509 $3,057
Progressive $4,891 $4,175 $3,828
State Farm $4,364 $2,808 $2,266
USAA $4,239 $2,443 $1,966

Cheapest Frederick, CO Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Frederick, CO to rates for a clean record with top companies.

Annual Frederick, Colorado Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $4,386 $5,079 $6,259 $4,998
American Family $2,651 $3,764 $4,915 $3,005
Farmers $4,723 $6,097 $6,010 $5,581
GEICO $2,127 $3,307 $3,832 $2,780
Liberty Mutual $2,382 $2,788 $2,887 $2,806
Nationwide $2,824 $3,850 $4,877 $3,105
Progressive $3,706 $5,259 $3,911 $4,318
State Farm $2,884 $3,408 $3,146 $3,146
USAA $2,106 $2,576 $4,481 $2,368

Cheapest Frederick, CO Car Insurance for Teen Drivers

Teen car insurance in Frederick, CO can be expensive. Take a look at rates from the top car insurance companies in Frederick for teenagers.

Annual Car Insurance Rates for Teen Drivers in Frederick, Colorado

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $11,251 $11,851
American Family $5,928 $7,971
Farmers $12,710 $12,886
GEICO $5,947 $6,284
Liberty Mutual $5,435 $5,924
Nationwide $6,181 $7,890
Progressive $9,014 $10,061
State Farm $5,734 $7,245
USAA $4,885 $5,575

Cheapest Frederick, CO Car Insurance for Seniors

Take a look at Frederick, CO senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Frederick, Colorado

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,819 $2,843
American Family $2,212 $2,212
Farmers $2,846 $3,073
GEICO $2,031 $2,305
Liberty Mutual $1,529 $1,683
Nationwide $2,185 $2,305
Progressive $2,293 $2,278
State Farm $1,764 $1,764
USAA $1,845 $1,835

Cheapest Frederick, CO Car Insurance Rates After a DUI

A DUI in Frederick, CO increases car insurance rates. Compare Frederick, Colorado DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Frederick, Colorado

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,259
American Family $4,915
Farmers $6,010
GEICO $3,832
Liberty Mutual $2,887
Nationwide $4,877
Progressive $3,911
State Farm $3,146
USAA $4,481

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Cheapest Frederick, CO Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Frederick, CO by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Frederick, Colorado

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $5,181 $5,181
American Family $3,507 $3,661
Farmers $5,603 $5,603
GEICO $2,947 $3,076
Liberty Mutual $2,716 $2,716
Nationwide $3,664 $3,664
Progressive $4,298 $4,298
State Farm $3,067 $3,225
USAA $2,802 $2,963

The Best Cheap Car Insurance Companies in Frederick, CO

Take a look at a side-by-side comparison of the top car insurance companies in Frederick, CO to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Frederick, Colorado

Insurance Company Average Annual Rates
Allstate $5,181
American Family $3,584
Farmers $5,603
GEICO $3,012
Liberty Mutual $2,716
Nationwide $3,664
Progressive $4,298
State Farm $3,146
USAA $2,883

Category Winners: Cheapest Car Insurance in Frederick, Colorado

Find the cheapest car insurance companies in Frederick, CO for each category right here.

Best Annual Car Insurance Rates by Company in Frederick, Colorado

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

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Cheapest Frederick, CO Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Frederick car insurance rates. Find the cheapest Frederick, CO car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Frederick, Colorado

Insurance Company Low Medium High
Allstate $4,849 $5,161 $5,532
American Family $3,388 $3,658 $3,705
Farmers $4,885 $5,519 $6,404
GEICO $2,691 $2,950 $3,394
Liberty Mutual $2,548 $2,705 $2,895
Nationwide $3,642 $3,667 $3,682
Progressive $3,880 $4,314 $4,702
State Farm $2,910 $3,148 $3,380
USAA $2,733 $2,882 $3,033

What affects car insurance rates in Frederick, Colorado?

What factors can have an impact on Frederick, CO car insurance? There are several reasons why Frederick car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Frederick, Colorado.

Commute Time in Frederick

The more time you spend in your car the higher the risk of an accident. The average commute length in Frederick, CO is 33.3 minutes according to City-Data.

Traffic in Frederick

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Frederick, CO traffic data from INRIX ranks Frederick as the 723rd-most congested in the world.

Compare Car Insurance Quotes in Frederick, CO

Ready to find affordable Frederick, Colorado car insurance today? Enter your ZIP code for fast, free Frederick, CO car insurance quotes.

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