Frederick Car Insurance

How much does car insurance cost in Frederick, MD? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Frederick?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Maryland has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Frederick typically pay around $120.78 per month compared to the national average of $135.61 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $135.61
Maryland $192.60
Frederick, Maryland $120.78

Frederick, MD Best Car Insurance Companies

car insurance in Frederick

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Frederick coming in around $91.77 per month. Other companies to consider if you live in Frederick is Erie with an average cost of $126.85 per month and State Farm which typically runs around $131.83 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Frederick.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $91.77-52.35%
2 Erie $126.85-34.14%
3 State Farm $131.83-31.55%
4 Nationwide $138.38-28.15%
5 Penn National $138.64-28.02%
6 Metropolitan $162.73-15.51%
7 Allstate $163.20-15.27%
8 Donegal Mutual Insurance Co $172.05-10.67%
9 State Auto $172.92-10.22%
10 Liberty Mutual $237.0423.07%

How Much is Car Insurance in Frederick, MD?

how much is auto insurance in Frederick

Rates can vary from city to city. The residents of Baltimore typically pay $283.00 per month while people who live in Bethesda will pay $133.06 per month on average. See what people pay for car insurance in other cities in Maryland.

Maryland CitiesMonthly Average Rate
Baltimore $283.00
Bethesda$133.06
Frederick $120.78
Gaithersburg $153.75
Ridgely$122.63
Silver Spring$166.69

Cheap Car Insurance in Frederick by Zip Codes

find cheap auto insurance in Frederick

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Maryland. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Frederick, MD ZIP CodeAverage Monthly Rate
21701$130.55
21702$115.65
21703$118.63
21704$118.78

Car Insurance Rates by Driver's Age Group in Frederick

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $305.24 per month in Frederick. Compare that to drivers in their 30’s who typically pay around $93.88 per month drivers in their 40s at $96.00 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$305.24
20s$172.41
30s$93.88
40s$96.00
50s$82.27
60s$72.82
70+$94.52

Cheapest Insurance for Teenage Drivers in Frederick

If you are teen in Frederick you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $108.96 per month. This is likely the most affordable option in Frederick. You might also want to consider Erie and State Farm who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$108.96
Erie$224.71
State Farm$228.59
Metropolitan$300.50
Nationwide$306.88

Cheapest Insurance for 20 Year-olds in Frederick

20 year-olds in Frederick might want to consider USAA who, on average, offers car insurance rates around $114.73 per month. State Farm, Erie , Nationwide and Penn National are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$114.73
State Farm$178.22
Erie$189.25
Nationwide$190.71
Penn National$199.15

Cheapest Insurance for 30 Year-olds in Frederick

If you are in your 30s in Frederick our research has found that USAA typically has the most affordable coverage coming in around $83.95 per month, followed by Erie at $96.16 and Penn National at $97.15.

CompanyAverage Monthly Rate
USAA$83.95
Erie$96.16
Penn National$97.15
State Farm$99.15
Nationwide$108.88

Cheapest Insurance for 40 Year-olds in Frederick

On average, USAA offers car insurance for 40 year-olds in Frederick for around $78.93 per month. If you are looking for affordable coverage, you may also want to consider Erie or Penn National. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$78.93
Erie$79.37
Penn National$92.71
Nationwide$94.49
State Farm$100.38

Cheapest Insurance for 50 Year-olds in Frederick

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Frederick we found that USAA generally offers the most affordable coverage at $69.18 per month.

CompanyAverage Monthly Rate
USAA$69.18
Erie$74.17
Nationwide$82.54
Penn National$83.24
Metropolitan$92.98

Cheapest Insurance for 60 Year-olds in Frederick

If you live in Frederick and you’re in your 60s, our data indicates that USAA usually has the best rates at $71.25 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$71.25
Erie$78.90
Penn National$91.10
Nationwide$94.60
State Farm$96.90

Driver's Coverage Auto Insurance Rates in Frederick, MD

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Frederick, the average monthly rate for a driver who is currently insured is $105.45 while drivers who are not currently covered will pay around $162.69.

CoverageAverage Monthly Rate
Not Currently Insured $162.69
Currently Insured $105.45

Compare Recent Car Insurance Quotes in Frederick

auto insurance quotes in Frederick city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Frederick a driver of a 2003 Honda Odyssey can expect to pay around $55.48 per month while someone that owns a 2013 Chevrolet Malibu may pay around $98.42 per month. Check out the list of recent quotes in Frederick below.

VehicleAverage Monthly Rate
2003 Honda Odyssey$55.48
2013 Chevrolet Malibu$98.42
2011 Nissan Altima$162.77
1996 Jeep Grand Cherokee$63.39
2013 Chevrolet Malibu$84.72
2019 Subaru Outback$80.35
2017 Nissan Sentra$156.78
2020 Dodge Charger$191.43
2011 Honda Accord$174.82
2014 Kia FORTE EX$232.75

FAQ's for Drivers in Frederick, MD

driver’s frequently asked question in Frederick

What Is the Minimum Liability Coverage Requirement in Frederick, MD?

Maryland requires vehicles to be insured at all times by a carrier licensed in the state. The minimum amount of insurance needed to fulfill financial responsibility is $30,000 of bodily injury per person and $60,000 of bodily injury to cover two or more people per accident. $15,000 of coverage for property damage is also required. Additionally, Maryland requires $2,500 in personal injury protection (PIP), but this coverage can be waived in some cases.

Maryland is an at-fault state. For policies renewed or written after January 1, 2011, uninsured motorist coverage in the amount of $30,000 bodily injury per person, $60,000 bodily injury per accident, and $15,000 property damage is required.

  • $30,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $60,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
  • $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

State law in Maryland may set the minimum coverage requirements, but that doesn’t necessarily mean that’s all you need. Lenders who provide financing for your vehicle often require additional coverage, so be sure to check with yours and consider these additional costs when calculating your monthly auto expenses.

What Is the Blood Alcohol Concentration (BAC) limit in Frederick, MD?

It is illegal for individuals to operate a motor vehicle with the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

Maryland’s impaired driving laws are strict and aggressively enforced. You can be found impaired while under the influence of legal as well as illegal drugs, including alcohol, prescription medications, over-the-counter drugs, and recreational drugs.

What are the consequences of being convicted of a DUI?

Potential penalties for driving while impaired in Maryland include driver’s license suspension or revocation, CDL disqualification, fees, mandatory installation of an ignition interlock device, points on your license, jail time, mandatory participation in a drug or alcohol abuse program, and more.

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Commute Time in Frederick, MD

31.9 Miles
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Commute Time in United States

26.4 Miles
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Number of Nearest Insurance Agents in Frederick, MD

280

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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