Compare Frederick, PA Car Insurance Rates (2021)

Car insurance in Frederick, PA averages $359 a month. Frederick, Pennsylvania car insurance requirements are 15/30/5, 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, PA.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

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...

Full Bio →

Written by

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...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • Average car insurance rates in Frederick, PA are $4,313/year
  • The cheapest car insurance company in Frederick for teen drivers is USAA
  • The cheapest car insurance company in Frederick is USAA

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

You’ll find Frederick car insurance rates, the cheapest Frederick, PA car insurance companies, and information on Pennsylvania car insurance laws. You can also compare Frederick, Pennsylvania car insurance rates to York car insurance rates, Pittsburgh car insurance rates, and Bethlehem car insurance rates.

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

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

How do age, gender, and marital status affect Frederick, PA car insurance rates? Every Frederick, Pennsylvania 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, Pennsylvania

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 $2,480 $2,480 $2,304 $2,304 $8,660 $8,660 $2,713 $2,713
GEICO $2,007 $1,736 $1,922 $1,664 $5,098 $4,422 $2,006 $1,736
Liberty Mutual $3,823 $3,823 $3,503 $3,503 $11,150 $11,150 $4,851 $4,851
Nationwide $2,051 $2,051 $1,948 $1,948 $5,822 $5,822 $2,304 $2,304
Progressive $2,943 $2,943 $2,643 $2,643 $9,684 $9,684 $3,751 $3,751
State Farm $1,786 $1,786 $1,587 $1,587 $6,531 $6,531 $1,980 $1,980
Travelers $2,044 $2,044 $2,217 $2,217 $30,748 $30,748 $2,456 $2,456
USAA $1,226 $1,226 $1,111 $1,111 $3,766 $3,766 $1,629 $1,629

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Minimum Car Insurance in Frederick, PA

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

Minimum Required Car Insurance Coverage in Frederick, Pennsylvania

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $15,000 per person
$30,000 per accident
Property Damage Liability Coverage $5,000 minimum

Cheapest Frederick, PA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Frederick, PA. 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, Pennsylvania

Insurance Company Poor Fair Good
Allstate $5,154 $3,857 $3,106
GEICO $3,864 $2,176 $1,681
Liberty Mutual $7,445 $5,337 $4,713
Nationwide $3,551 $2,930 $2,614
Progressive $6,274 $4,427 $3,565
State Farm $4,230 $2,618 $2,065
Travelers $10,172 $9,213 $8,714
USAA $2,414 $1,795 $1,590

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

Annual Frederick, Pennsylvania Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,861 $4,573 $3,861 $3,861
GEICO $1,891 $3,267 $2,530 $2,607
Liberty Mutual $5,309 $6,105 $5,956 $5,956
Nationwide $2,199 $2,937 $4,068 $2,920
Progressive $4,299 $5,984 $4,430 $4,308
State Farm $2,703 $3,239 $2,971 $2,971
Travelers $6,616 $9,454 $11,940 $9,454
USAA $1,550 $2,151 $2,297 $1,733

Cheapest Frederick, PA Car Insurance for Teen Drivers

Teen car insurance in Frederick, PA 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, Pennsylvania

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,660 $8,660
GEICO $5,098 $4,422
Liberty Mutual $11,150 $11,150
Nationwide $5,822 $5,822
Progressive $9,684 $9,684
State Farm $6,531 $6,531
Travelers $30,748 $30,748
USAA $3,766 $3,766

Cheapest Frederick, PA Car Insurance for Seniors

Take a look at Frederick, PA 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, Pennsylvania

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,304 $2,304
GEICO $1,922 $1,664
Liberty Mutual $3,503 $3,503
Nationwide $1,948 $1,948
Progressive $2,643 $2,643
State Farm $1,587 $1,587
Travelers $2,217 $2,217
USAA $1,111 $1,111

Cheapest Frederick, PA Car Insurance Rates After a DUI

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

Annual Car Insurance Rates After a DUI in Frederick, Pennsylvania

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,861
GEICO $2,530
Liberty Mutual $5,956
Nationwide $4,068
Progressive $4,430
State Farm $2,971
Travelers $11,940
USAA $2,297

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

Cheapest Frederick, PA Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Frederick, Pennsylvania

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,954 $4,124
GEICO $2,535 $2,613
Liberty Mutual $5,683 $5,981
Nationwide $3,031 $3,031
Progressive $4,755 $4,755
State Farm $2,882 $3,060
Travelers $9,366 $9,366
USAA $1,878 $1,988

The Best Cheap Car Insurance Companies in Frederick, PA

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

Average Annual Car Insurance Rates by Company in Frederick, Pennsylvania

Insurance Company Average Annual Rates
Allstate $4,039
GEICO $2,574
Liberty Mutual $5,832
Nationwide $3,031
Progressive $4,755
State Farm $2,971
Travelers $9,366
USAA $1,933

Category Winners: Cheapest Car Insurance in Frederick, Pennsylvania

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

Best Annual Car Insurance Rates by Company in Frederick, Pennsylvania

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption

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

Annual Car Insurance Rates by Coverage Level in Frederick, Pennsylvania

Insurance Company Low Medium High
Allstate $3,839 $4,068 $4,210
GEICO $2,320 $2,603 $2,799
Liberty Mutual $5,532 $5,876 $6,087
Nationwide $3,013 $3,078 $3,003
Progressive $4,289 $4,800 $5,177
State Farm $2,744 $3,020 $3,149
Travelers $9,430 $9,385 $9,284
USAA $1,778 $1,954 $2,067

What affects car insurance rates in Frederick, Pennsylvania?

What factors can have an impact on Frederick, PA 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, Pennsylvania.

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, PA is 35.5 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, PA traffic data from INRIX ranks Frederick as the 723rd-most congested in the world.

Compare Car Insurance Quotes in Frederick, PA

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

Free Car Insurance Comparison

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

 Secured with SHA-256 Encryption