Compare Frederick, MD Car Insurance Rates (2021)

Car insurance in Frederick, MD averages $322 a month. Frederick, Maryland car insurance requirements are 30/60/15, 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, MD.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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, MD are $3,867/year
  • The cheapest ZIP code in Frederick is 21703
  • The cheapest car insurance company in Frederick for teen drivers is USAA

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

You’ll find Frederick car insurance rates, the cheapest Frederick, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Frederick, Maryland car insurance rates to Gaithersburg car insurance rates, Bowie car insurance rates, and Annapolis car insurance rates.

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

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

How do age, gender, and marital status affect Frederick, MD car insurance rates? Every Frederick, Maryland 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, 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

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Minimum Car Insurance in Frederick, MD

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

Minimum Required Car 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

Cheapest Frederick, MD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Frederick, MD. 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, 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

Cheapest Frederick, MD 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, MD to rates for a clean record with top companies.

Annual Frederick, Maryland Car 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

Cheapest Frederick, MD Car Insurance for Teen Drivers

Teen car insurance in Frederick, MD 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, 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

Cheapest Frederick, MD Car Insurance for Seniors

Take a look at Frederick, MD 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, 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

Cheapest Frederick, MD Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Frederick, Maryland

Insurance Company Annual Car 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

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Cheapest Frederick, MD Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Frederick, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Cheapest Frederick, MD Car Insurance Rates by ZIP Code

Frederick car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Frederick, MD.

Annual Car 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

The Best Cheap Car Insurance Companies in Frederick, MD

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

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Frederick, Maryland

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

Best Annual Car 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

Cheapest Frederick, MD 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, MD car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Frederick, Maryland?

What factors can have an impact on Frederick, MD 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, Maryland.

Car Theft in Frederick

High levels of vehicle theft can make car insurance more expensive. Frederick, MD car theft statistics from the FBI indicate 50 vehicle thefts a year.

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, MD is 32.1 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, MD traffic data from INRIX ranks Frederick as the 723rd-most congested in the world.

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Compare Car Insurance Quotes in Frederick, MD

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

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