Best Frederick, MD Auto Insurance in 2024 (We Suggest These 10 Companies)
Geico, USAA, and State Farm offer the best Frederick, MD auto insurance. Geico offers the best rates at just $29/month, while USAA and State Farm provide customer satisfaction, making them great choices for Frederick drivers. These companies are the top picks for affordability and reliability.
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Heidi Mertlich
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Heidi works with top-rated insurance carriers to bring her clients the highest quality protection at the most competitive prices. She founded NoPhysicalTermLife.com, specializing in life insurance that doesn’t require a medical exam. Heidi is a regular contributor to several insurance websites, including FinanceBuzz.com, Insurist.com, and Forbes. As a parent herself, she understands the need ...
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UPDATED: Nov 13, 2024
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Company Facts
Full Coverage in Frederick MD
A.M. Best
Complaint Level
Company Facts
Full Coverage in Frederick MD
A.M. Best
Complaint Level
Company Facts
Full Coverage in Frederick MD
A.M. Best
Complaint Level
The best Frederick, MD auto insurance picks are Geico, USAA, and State Farm. Geico is the best overall, with excellent rates at just $29 a month, making it the cheapest driver option.
USAA and State Farm also offer great customer service and solid coverage options. This guide will help you compare auto insurance companies to find the one that suits your needs.
Our Top 10 Company Picks: Best Frederick, MD Auto Insurance
Company Rank Bundling Discount A.M. Best Best For Jump to Pros/Cons
#1 25% A++ Customer Service Geico
#2 17% B Cheap Rates State Farm
#3 10% A++ Military Families USAA
#4 25% A+ Comprehensive Service Erie
#5 13% A++ Budget Friendly Travelers
#6 20% A Accident Forgiveness Farmers
#7 20% A+ Flexible Plans Nationwide
#8 25% A+ Coverage Options Allstate
#9 25% A Unique Discounts Liberty Mutual
#10 10% A+ Custom Options Progressive
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
- The best Frederick, MD, auto insurance rate is Geico at $29/month
- Frederick drivers can save by comparing providers and choosing the best plans
- The best auto insurance in Frederick, MD, considers service, claims, and discounts
#1 – Geico: Top Overall Pick
Pros
- Rates: Geico has among Maryland’s cheapest car insurance rates. Check out our Geico auto insurance review to learn more.
- Availability of Online Resources: The insurance provider has a comprehensive website and phone application through which drivers in Frederick, MD, can easily manage their policies and file claims.
- Multi-Policy Discounts: Geico provides bundling discounts, allowing drivers in Frederick, MD, to save even more money by combining auto and home insurance.
Cons
- Local Agents: If you prefer to manage your Frederick, Maryland insurance in person rather than over the phone with local agents nearby, Geico may not be as approachable for Frederick residents.
- Limited Options: Geico may offer fewer optional coverage options in Frederick, MD, than other competitors.
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#2 – USAA: Best for Military Families
Pros
- Customized Coverage: If you’re a military member or the family of one, USAA offers tailored auto insurance policies in Frederick, MD. Explore our USAA auto insurance review to get more details.
- Great Customer Service: USAA has a reputation for excellent customer service and typically ranks highly on satisfaction surveys among policyholders in Frederick, MD.
- Military Discount: USAA provides competitive discounts for active-duty military members, veterans, and their families, helping to lower premiums in Frederick, MD.
Cons
- Narrow Scope: USAA’s coverage is limited to active or retired military personnel and their families in Frederick, MD, excluding the general public.
- No Brick-and-Mortar Offices: USAA lacks in-person service locations, which may be inconvenient for Frederick, MD, residents who prefer personal interaction.
#3 – State Farm: Best for Assistance
Pros
- Strong Agent Network: With an agent network second to none in Frederick, MD, State Farm is positioned to help you find auto insurance coverage tailored to your policy needs.
- Stability: State Farm is an established player that provides reliable insurance in Frederick, MD.
- Accident-Free: If you are a Frederick, MD driver without violations on your record, you can get substantial savings based on how long it has been since the events occurred.
Cons
- Higher Rates: Compared to many other companies, State Farm is on the high end regarding pricing, especially for a younger driver in Frederick, MD.
- Limited Tools Available: State Farm perhaps provides different online and mobile tools than some competing insurers in Frederick, MD. Read our State Farm auto insurance review to find out more.
#4 – Erie: Best for Customer Service
Pros
- Good Claim Handling: Erie is known for its efficient and easy claims processing in Frederick, MD.
- Price Lock Feature: Erie offers a price lock that guarantees rates won’t change after an accident, a feature not available from all carriers in Frederick, MD.
- Extensive Coverage: Erie provides a wide range of add-ons, offering top-tier coverage for drivers in Frederick, MD. Discover our Erie auto insurance review for further insights.
Cons
- Availability: Erie operates in a limited number of states, which could cause problems for drivers who move out of Frederick, MD.
- The Mobile App Isn’t Disruptive: Some of the features offered by rivals in their apps are unavailable through Erie’s mobile app.
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#5 – Travelers: Best for in High Coverage Limits
Pros
- Auto Insurance: For a wide selection of auto insurance policies in Frederick, MD, Travelers offers flexible and customizable plans that work for your driving needs.
- Multi-Car Discounts: If you are a multi-vehicle owner in Frederick, MD, you can save more.
- Accident Forgiveness: In Frederick, MD, Travelers provides accident forgiveness to limit the impact of an at-fault accident. Browse our Travelers auto insurance review to gain more information.
Cons
- Inconsistent Customer Service: Drivers in Frederick, MD, can have very different experiences with customer service, including when filing a claim.
- Weaker Digital Resources: Compared to other insurers, Travelers has inferior internet resources, and Frederick, MD residents may experience inconveniences in managing their policy.
#6 – Farmers: Best for Customizable Policies
Pros
- Extensive Coverage Options: Farmers offers tailored auto insurance policies to meet the unique needs of drivers in Frederick, MD.
- Accident Forgiveness: Safe drivers in Frederick, MD, benefit from accident forgiveness, which helps to reduce the impact of minor incidents on premiums.
- Strong Local Agent Presence: Farmers have a network of local agents who provide personalized support and advice to Frederick, MD, residents.
Cons
- Higher Rates: Premiums may be higher than other competitors, particularly for younger or high-risk drivers in Frederick, MD. Dive into our Farmers auto insurance review for more insights.
- Inconsistent Discounts: Not all discounts are available in every state, potentially limiting savings for Frederick, MD policyholders.
#7 – Nationwide: Best for Bundling Options
Pros
- Bundling Discounts: Drivers in Frederick, MD, can save significantly by bundling auto and home insurance with Nationwide.
- On Your Side Review: Nationwide offers annual policy reviews to optimize coverage and find savings for drivers in Frederick, MD.
- Vanishing Deductible: Safe drivers in Frederick, MD, benefit from Nationwide’s program, which reduces deductibles over time.
Cons
- Limited Specialty Coverage: Some specialized coverages may not be as extensive as those offered by competitors in Frederick, MD. Refer to our Nationwide auto insurance review for additional details
- Mixed Reviews on Claims: Some customers report slow processing times for claims in Frederick, MD.
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#8 – Allstate: Best for Safe Drivers
Pros
- Safe Driving Rewards: Drivers in Frederick, MD, are rewarded for maintaining a clean driving record with Allstate. Visit our Allstate auto insurance review to get the full scoop.
- Extensive Auto Policy Choices: Allstate offers a range of optional coverages that supplement basic auto policies in Frederick, MD.
- Diverse Digital Offerings: The Allstate mobile app allows drivers in Frederick, MD, to access policy documents, file claims, and get accident assistance.
Cons
- Increased Base Premiums: Allstate’s base rates in Frederick, MD, are generally higher than those of its competitors.
- Claims Handling and Customer Support: Some policyholders in Frederick, MD, have reported issues with claims handling and less-than-satisfactory customer support.
#9 – Liberty Mutual: Best for Custom Coverage
Pros
- Flexible Policies: Liberty Mutual offers customizable auto insurance options in Frederick, MD, to suit individual driver needs. Read our Liberty Mutual auto insurance review to learn more.
- Deductible Fund: Liberty Mutual’s deductible fund allows safe drivers in Frederick, MD, to reduce their deductible by $100 each year.
- Roadside Assistance: Liberty Mutual includes extensive roadside assistance coverage in its policies for drivers in Frederick, MD.
Cons
- Higher Rates for High-Risk Drivers: Premiums can be significantly higher for drivers with less-than-perfect driving records in Frederick, MD.
- Mixed Online Experience: For Frederick, MD residents, Liberty Mutual’s app and website can be less intuitive than its competitors’ digital platforms.
#10 – Progressive: Best for High-Risk Drivers
Pros
- Snapshot Program: Drivers in Frederick, MD, can save by using Progressive’s Snapshot program, which rewards safe driving behaviors.
- Strong Digital Experience: Progressive’s user-friendly app makes it easy for drivers in Frederick, MD to manage policies and file claims.
- Competitive Rates for High-Risk Drivers: Known for offering some of the best coverage for high-risk drivers in Frederick, MD. Consult our Progressive auto insurance review to learn more.
Cons
- Inconsistent Discounts: The availability and amount of discounts can vary widely by state, affecting potential savings for drivers in Frederick, MD.
- Higher Premiums for Comprehensive Coverage: Drivers seeking full coverage in Frederick, MD, may face higher rates than competitors.
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Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level
Frederick, MD, auto insurance lists its minimum liability coverage as 30/60/15. Drivers searching for cheap car insurance in Frederick, MD, can find affordable rates. Geico, USAA, and State Farm are some of Frederick, MD’s most affordable car insurance companies. Geico offers Frederick, MD, auto insurance at a monthly rate of $29.
Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $145
$69 $120
$61 $140
$29 $74
$55 $148
$65 $142
$50 $150
$32 $99
$59 $135
$45 $109
Frederick is a moderate-sized city near the Maryland/West Virginia border. It is also home to Ft. Detrick, a US Army base and the largest employer in Frederick County.
Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $145
$69 $120
$61 $140
$29 $74
$55 $148
$65 $142
$50 $150
$32 $99
$59 $135
$45 $109
In the past, Frederick served as a prominent location for many events related to the American Civil War. Today, it is a popular spot for biomedical research and downtown gentrification.
Are you looking for cheap auto insurance in Frederick, MD? With AutoInsuranceEZ.com, you’ll find the cheapest car insurance in Frederick, MD rates close to you. To get a few free Frederick, MD car insurance quotes from some 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. However, understanding the types of auto insurance coverage can help you choose additional protection that fits your needs.
Maryland Auto Insurance Coverage Requirements
Coverage Requirements
Bodily Injury Liability $30,000 per person
$60,000 per accident
Property Damage Liability $15000 per accident
Maryland’s requirements set minimum limits higher than most states. They also require Uninsured Motorist coverage, which most states don’t do. This might be why Maryland’s insurance rates are higher than average.
Maintaining vehicle insurance can cost the average Maryland driver more than $151 monthly. However, Frederick drivers can get great deals and lower their monthly payments to $35/mo* if they act fast.
Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level
Insurance Company Minimum Coverage Full Coverage
$70 $145
$69 $120
$61 $140
$29 $74
$55 $148
$65 $142
$50 $150
$32 $99
$59 $135
$45 $109
State Auto and Allstate Insurance Frederick, MD, compete for your business. And they’re offering the lowest rates in town 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.
Frederick, MD Report Card: Auto Insurance Premiums
Category Grade Explanation
Discounts Availability B+ Many insurers offer discounts, including multi-policy, safe driver, and good student discounts.
Rate Stability B+ Rates are stable with minimal fluctuations, supported by a lower claims frequency in suburban areas.
Affordability B Rates are affordable for many residents, benefiting from lower traffic density compared to larger cities.
Average Premium Cost B Premiums in Frederick are moderate, generally lower than in nearby urban areas like Baltimore and D.C.
Comprehensive & Collision Rates B Costs are reasonable, with slight increases in rural areas due to potential wildlife-related claims.
Liability Coverage Cost B Liability costs remain manageable, with a range of affordable coverage options for different driver needs.
You can research some companies, such as Geico Insurance in Frederick, MD, and Geico Insurance in Frederick, MD 21704. This includes factors such as your marital status, ZIP code, occupation, miles you drive yearly, and multiple cars and drivers.
Frederick, MD Auto Accident & Insurance Claim Statistics
Factor Value
Annual Auto Accidents 2,100
Average Claim Cost 3,800
Accident Rate (per 1,000 drivers) $9
Percentage of Accidents with Injuries 18%
Uninsured Motorist Rate 6%
Claims Filed per 1,000 Drivers 13
Average Time to Settle a Claim 25 days
Most Common Claim Type Rear-end Collision
Average Premium Increase After Claim 10%
Additionally, premiums differ among car insurance companies in Frederick, MD. To verify you’re still being charged the best possible rate, compare several cheap Frederick car insurance quotes online.
Major Factors in Cheap Car Insurance in Frederick, MD
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 that have smaller populations.
Frederick, MD Auto Insurance Monthly Rates by ZIP Code
ZIP Rates
21704 $135
21701 $125
21703 $122
21702 $118
21742 $102
Since fewer vehicles are 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.
Automotive Accidents
Accident rates are very low in Frederick, as you can see in the chart.
Frederick, MD Fatal Accidents
Category Count
Persons involved in fatal crashes 40
Vehicles involved in fatal crashes 30
Fatalities 22
Fatal accident count 20
Pedestrians involved in fatal accidents 8
Fatal crashes involving drunk persons 5
This means that your automotive insurance rates are automatically lower than anywhere else because your provider doesn’t have to worry about you getting into an accident any time soon.
Auto Thefts in Frederick
Residing within a big city (Mostly one with a substantial crime rate) tends to increase your chance of becoming a target of car theft. Assuming your overall locality features substantial theft claims, you should anticipate paying much more for your auto insurance.
Frederick, MD Liability vs. Comprehensive Auto Insurance Monthly Rates
Insurance Company Liability Comprehensive
$120 $180
$100 $150
$110 $165
$90 $140
$130 $190
$115 $175
$95 $145
$105 $160
$110 $170
$85 $130
The maximum number of vehicles stolen in Frederick in 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 that protects against theft).
Your Credit Score
Your credit rating influences other areas of your existence and your Frederick, MD, auto insurance rates.
Frederick, MD Auto Insurance Monthly Rates by Credit Score
Insurance Company Good Credit Fair Credit Bad Credit
$120 $140 $160
$110 $130 $150
$100 $120 $140
$90 $110 $130
$130 $150 $170
$100 $120 $140
$110 $130 $150
$95 $115 $135
$105 $125 $145
$85 $105 $125
As the chart shows, getting a bad credit score can mean paying two or three times what a driver with perfect credit would pay.
Your Age
If you are the parents of a brand-new teenage driver, finding affordable Frederick, MD auto insurance for them can be quite demanding.
Frederick, MD Auto Insurance Monthly Rates by Provider, Age, & Gender
Insurance Company Age: 17 Female Age: 17 Male Age: 34 Female Age: 34 Male
$314 $333 $130 $138
$276 $292 $112 $118
$287 $304 $116 $123
$271 $287 $109 $115
$319 $338 $128 $135
$307 $325 $123 $130
$292 $309 $117 $124
$287 $304 $116 $123
$294 $311 $118 $125
$266 $282 $107 $113
Bundling them to your policy might help lower the price. You should speak with your insurance provider about Driver’s Ed and Good Student discount rates.
Your Driving Record
Minor driving violations can haunt you and raise your insurance rates for a long.
Frederick, MD Auto Insurance Monthly Rates by Driving Record
Insurance Company Clean Record One Ticket One Accident One DUI
$90 $110 $135 $165
$84 $102 $124 $151
$79 $96 $118 $144
$74 $89 $108 $132
$88 $107 $131 $160
$86 $105 $128 $156
$77 $94 $115 $140
$72 $88 $107 $130
$81 $99 $121 $147
$68 $83 $101 $123
However, many companies offer discount rates, which can save you money on your rates. Ask the agent about Accident Forgiveness if you have multiple driving violations.
Your Vehicle
The greater the cost of your automobile, the greater it’ll cost you to pay for automotive insurance.
Frederick, MD Auto Insurance Monthly Rates by Vehicle Make & Model
Insurance Company 2024 Honda Accord 2024 Porsche Boxster Spyder
$125 $240
$110 $220
$115 $230
$100 $200
$130 $260
$120 $240
$110 $220
$105 $210
$115 $230
$95 $190
It takes greater coverage to repair or replace when you get into an accident sufficiently.
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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 can bundle multiple kinds of policies together as long as insurance companies offer a variety of coverage and products.
Your Gender
This may surprise some: most insurance providers don’t charge males and ladies extremely different rates. Many companies don’t charge different rates whatsoever. Individuals who still do only charge regarding 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 lowering your driving miles will drastically decrease your monthly premium. In reality, it’ll only help you save a couple of percentage points at best, and that is if you make an extreme cut. Avoid driving a company vehicle if possible since it may cost around 12% more to insure than the usual personal use automobile.
Your Coverage and Deductibles
Raising your deductible is a fast and convenient way to reduce your monthly rates while maintaining decent coverage. Make certain you’ve some emergency money in the bank if 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 car insurance in Frederick, MD? It’s a better way to lower your rates than getting a nice job or even a higher salary.
Geico offers unbeatable value in Frederick, MD, with rates starting at just $29 per month. This makes it ideal for those looking to save on auto insurance. With its affordable rates and reliable coverage, it remains the top choice for budget-conscious drivers in the area.
Michelle Robbins Licensed Insurance Agent
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 annually. 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. Do your due diligence before committing to your next car insurance policy.
Start saving on your auto insurance by entering your ZIP code and comparing quotes.
Frequently Asked Questions
What is the best cheap car insurance in Frederick?
Frederick’s best cheap car insurance varies, but comparison shopping helps find affordable options with good coverage. Check out our “Maryland Auto Insurance Made Easy” to learn more.
How can I get the best car insurance rates in Frederick, MD?
To get the best car insurance rates in Frederick, MD, compare quotes from multiple insurers and look for discounts.
What factors affect the best car insurance rates in Frederick?
Factors like your driving history, credit score, and vehicle type influence Frederick’s best car insurance rates.
Is there a specific company with the best car insurance rates in Frederick?
There’s no single answer, but companies like Geico, State Farm, and Progressive often offer competitive rates in Frederick. Explore our “Best Baltimore, MD Auto Insurance” for more details.
How can I find the best car insurance in Frederick, MD?
Research different insurance providers, read reviews, and compare policies to find the best car insurance in Frederick, MD. Enter your ZIP code for the cheapest rates to avoid expensive auto insurance premiums.
What are some tips for getting the best cheap car insurance in Frederick?
To get the best cheap car insurance in Frederick, consider bundling policies, maintaining a clean driving record, and increasing deductibles.
Can I find the best car insurance in Frederick without sacrificing coverage?
Yes, compare different insurers’ coverage options to find the best car insurance in Frederick that fits your budget and needs. Read our “Best Rockville, MD Auto Insurance” to learn more.
Do online tools help find Frederick, MD’s best car insurance rates?
Absolutely! Online comparison tools can quickly show you the best car insurance rates in Frederick, MD.
What is the average cost of the best car insurance in Frederick, MD?
The cost varies, but the best car insurance in Frederick, MD, depends on the provider. Enter your ZIP code into our free comparison tool today to get the best auto insurance rates possible.
Are there discounts available for the best car insurance in Frederick?
Many insurers in Frederick offer discounts for safe drivers, multi-car policies, and good students to lower your rates. Discover our “Cheap Car Insurance in Gaithersburg, MD” for further insights.