Cheap Quotes for Frederick, MD Car Insurance (2021)

Frederick, Maryland car insurance rates average $322 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Frederick, MD companies, you can find cheap Frederick car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • Average car insurance rates in Frederick, MD for senior drivers are $2,512/year
  • Average car insurance rates in Frederick, MD are $322/month
  • Average car insurance rates in Frederick, MD after a DUI are $4,519/year

How do the Frederick, Maryland monthly average car insurance rates of $322/month compare to nearby cities like Greenbelt car insurance rates, Annapolis car insurance rates, and Salisbury car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Frederick, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Frederick, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Frederick, Maryland companies to find the most affordable Frederick car insurance rates.

Enter your ZIP code above to find cheap Frederick, MD car insurance quotes today.

What are the minimum Frederick, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Frederick, MD drivers need to carry at least 30/60/15 coverage.

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

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Average Frederick, MD Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Frederick, MD you can see that rates will vary by ZIP code.

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

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

Three of the criteria that most affect car insurance rates in Frederick, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Frederick car insurance companies.

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

How much do teen drivers pay for car insurance in Frederick, MD?

Frederick, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Frederick car insurance rates from multiple Frederick, Maryland car insurance companies to get the best deal.

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

How much do senior drivers pay for car insurance in Frederick, MD?

With a little research, seniors can find affordable car insurance in Frederick, Maryland. Here’s a look at how the top Frederick car insurance companies stack up.

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

How does coverage level affect Frederick, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Frederick, MD car insurance rates will be. Let’s take a look.

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

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How does your driving record affect Frederick, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Frederick, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Frederick, Maryland 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

How does a DUI affect Frederick, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Frederick, MD car insurance rates.

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

How does your credit history affect Frederick, MD car insurance rates?

Take a look at the data here to see how your Frederick, Maryland car insurance rates are affected by your credit history.

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

How does your commute affect Frederick, MD car insurance rates?

Frederick, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Frederick if you’re financing.

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

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Who has the cheapest Frederick, MD car insurance rates?

Here’s a breakdown of Frederick, Maryland car insurance rates by company. You can see which company offers the cheapest Frederick car insurance rates in each category.

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

What are the top Frederick, MD car insurance companies?

Which Frederick, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Frederick companies to find the one for you.

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

What factors affect Frederick, MD car insurance rates?

Why are Frederick, Maryland car insurance rates different than rates in Greenbelt or Annapolis? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Frederick, MD?

FBI statistics show that the Frederick, Maryland car theft rate is 50 thefts each year. High theft rates can lead to higher than average Frederick, MD car insurance rates.

How long is the average commute in Frederick, MD?

More time spent behind the wheel can lead to higher Frederick, Maryland car insurance rates. In Frederick, MD, the average commute length is 32.1 minutes.

What is the traffic like in Frederick, MD

Like commute length, time spent in traffic also increase risk of accidents. Frederick, MD is listed as 723rd in INRIX congested cities data.

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Car Insurance Quotes for Frederick, MD

Shop for affordable Frederick, Maryland car insurance rates today. Enter your ZIP code to compare quotes from multiple Frederick, MD car insurance companies.

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