Frederick, MD Auto Insurance | Cheap Car Insurance in Frederick, MD

Cheap car insurance in Frederick, MD can start at $29/month with State Auto. There are quite a few companies offering competitive Frederick, MD auto insurance. Some of the top Frederick, MD car insurance companies are but not limited to: Allstate, Cal Casualty, Nationwide, State Auto, and State Farm.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Jul 19, 2021

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Maryland auto insurance lists its minimum liability coverage as 30/60/15. Drivers searching for cheap car insurance in Frederick, MD will be able to find affordable rates. Allstate, Cal Casualty, Nationwide, State Auto, and State Farm are some of the most affordable Frederick, MD car insurance companies. State Auto offers Frederick, MD auto insurance a monthly rate of $29.

Frederick is a city of moderate size located near the Maryland/West Virginia border. It is also home to Ft. Detrick, a US Army base and the largest employer in all of Frederick County. In the past, Frederick served as a prominent location for many events relating to the American Civil War. Today, it is a popular spot for biomedical research and downtown gentrification.

Fun fact: if you go to Frederick, bring your sunscreen! Frederick is #20 on the list of “Top 101 counties with the highest percentage of residents that had a sunburn in the past 12 months”!

Are you looking for cheap auto insurance in Frederick, MD? With, you’ll find the cheapest insurance rates close to you. To get a few free Frederick, MD auto insurance quotes from some of the major providers today, provide your local ZIP code in the box at the end of this page.

Auto Insurance Coverage Requirements in Maryland

Driving legally in Maryland is easy, as long as you have the minimum coverage:

Coverage Requirements Most Common
Bodily Injury Liability 30,000/60,000 100,000/300,000
Property Damage Liability 15,000 50,000
Uninsured Motorist Bodily Injury 20,000/40,000 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 250 deductible
Comprehensive Not required 0 deductible

Maryland requirements set their minimum limits higher than most states. They also require Uninsured Motorist coverage, which most states don’t do. This might be part of the reason why Maryland insurance rates are higher than average.

It can cost the average Maryland driver more than $151 each month to maintain insurance on their vehicle. However, Frederick drivers can get great deals and lower their monthly payments down to $35/mo* if they act fast.

Average Monthly Auto Insurance PremiumsLegend: Frederick Allstate Cal Casualty Nationwide State Auto State Farm 102030$35$38$37$29$37


State Auto and Allstate Insurance Frederick, MD are competing for your business. And they’re offering the lowest rates in town in order to get it. But if you’re thinking about switching, make sure you do your homework first. Just because a company offers a low rate doesn’t necessarily mean you’ll get the best service. There are a number of companies you can research, such as GEICO Insurance in Frederick, MD \ GEICO Insurance in Frederick, MD 21704 and more.

This includes such factors as your marital status, ZIP code, occupation, the number of miles you drive every year, and multiple cars and drivers. Additionally, premiums differ among Frederick, MD auto insurance companies. To verify you’re still being charged the best possible rate, compare several cheap Frederick car insurance quotes right now online.

Enter your ZIP code below to compare auto insurance rates.

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Major Factors in Cheap Car Insurance in Frederick, Maryland

There are many ways your car insurance rate can be estimated. But not all of it is out of your control; there are steps you can take so that you can impact what discounts you are eligible to obtain. Listed here are some of these factors in greater detail:

Your ZIP Code

The most affordable car insurance can generally be acquired in cities which have smaller populations. Since there are not as many vehicles on the highway, there is a smaller chance you will become involved in a car accident. There are 66,893 residents in Frederick and the median household income is $62,285.

Auto Insurance by ZIP CodeLegend: Baltimore Columbia Rockville Gaithersburg Frederick Allstate Cal Casualty Nationwide State Auto State Farm 10203040506070$56$49$48$48$35$61$46$46$51$38$66$46$44$46$37$70$45$40$41$29$78$47$51$56$37

Automotive Accidents

Accident rates are very low in Frederick, as you can see in the chart. This means that your automotive insurance rates are automatically lower than they would be anywhere else, because your provider doesn’t have to worry about you getting into an accident any time soon.

Fatal Accidents in Frederick, MDLegend: Frederick Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 12345678451483


Auto Thefts in Frederick

Residing within a big city (Chiefly one which has a substantial crime rate) tends to increase your chance of becoming a target of car theft. Assuming your overall locality features substantial numbers of theft claims, you should anticipate paying much more for your auto insurance. The maximum amount of vehicles stolen in Frederick in the year 2013 was only 61. Even though auto theft might not be a big problem in Frederick, that shouldn’t stop you from considering Comprehensive coverage (it’s the only form of coverage which protects against theft).

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage Allstate Cal Casualty Nationwide State Auto State Farm 153045607590105120$35$119$38$125$37$73$29$84$37$92


Your Credit Score

Your credit rating influences other areas of your existence, as well as your Frederick, MD auto insurance rates. As you can tell within the chart, getting a bad credit score can make you having to pay two or three times over what a driver with perfect credit would pay.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit Allstate Cal Casualty Nationwide State Auto State Farm 102030405060708090$45$76$38$69$42$64$42$77$37$96


Your Age

If you are parents of a brand new teenage driver, finding affordable Frederick, MD auto insurance on their behalf can be quite demanding. Bundling them on your own policy might help lower the price, in addition to speaking with your insurance provider about Driver’s Ed and Good Student discount rates.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old Allstate Cal Casualty Nationwide State Auto State Farm 50100150200250300350$35$262$38$162$37$353$29$251$37$152


Your Driving Record

Minor driving violations can haunt you and also lift up your insurance rates for a long time. However, many companies offer discount rates which will save you cash on your rates. As the agent about Accident Forgiveness if you have more than one driving violation.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident Allstate Cal Casualty Nationwide State Auto State Farm 102030405060708090100$35$69$62$84$38$51$108$65$37$63$67$80$29$56$79$72$37$51$51$58


Your Vehicle

The greater the cost of your automobile, the greater it’ll cost you to pay for with automotive insurance. It is because it takes greater levels of coverage to be able to sufficiently repair or replace when you get into any sort of accident.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder Allstate Cal Casualty Nationwide State Auto State Farm 153045607590105120135$35$148$38$137$37$104$29$87$37$126


Minor Factors in Cheap Auto Insurance in Frederick, Maryland

Don’t forget about these other factors. They can also influence your rate:

Your Marital Status

Bundling is a superb method for married people to save cash on insurance. And not simply vehicle insurance – you are able to bundle multiple kinds of policies together, as long as insurance companies offers a variety of coverage and products.

Your Gender

This may be a surprise to some: most insurance providers don’t charge males and ladies extremely different rates. Actually, many companies don’t charge different rates whatsoever. Individuals which still do only charge in regards to a 2-3% difference.

Your Driving Distance to Work

Commute times in Frederick are fairly short, usually lasting between 26-38 minutes on average. Approximately 74% of workers would prefer to drive the car they own to work each day, while anywhere from 3% to 32% choose carpooling.

You may think that lowering your miles driven will drastically decrease your monthly premium. In reality, it’ll only help you save a couple of percentage points at the best, and that is if one makes an extreme cut. Just avoid driving a company vehicle, if at all possible, since it may cost around 12% more to insure than the usual personal use automobile.

Your Coverage and Deductibles

Raising your deductible is really a fast and convenient way to reduce your monthly rates but still maintain decent coverage. Just make certain you’ve some emergency money in the bank just in case you need to file claims and pay that greater deductible.

Education in Frederick, MD

While many motorists in Frederick have earned a high school diploma, a large number of residents have also gone on to obtain a bachelor’s degree. But did you know that, among other benefits, having a higher education can save you money on cars insurance in Frederick, MD? It’s actually a better way to lower your rates than getting a nice job, or even a higher salary.

You have a few schools to choose from if you’re looking to improve your education in Frederick. Mount St. Mary’s is a four-year, private, catholic university specializing in liberal arts. If you’d prefer a public option, you can also look into Hood College, which educates over 2,000 students each year. And for those who want to fast-track their career, there is always Frederick Community College.

Unfortunately for most insurance companies, a straightforward internet search can expose many of their business secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and get low-cost insurance. Be sure you do your due diligence prior to committing to your next car insurance policy.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Maryland Insurance Administration

Comptroller of Maryland

Department of Highway Safety and Motor Vehicles

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