Cheapest Car Insurance In Frederick, MD For November, 2026
In Frederick, GEICO provides the lowest-priced minimum coverage car insurance, averaging $77 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Currently, GEICO and Safeco offer the cheapest car insurance in Frederick, MD, with minimum liability policies starting around $79 per month for safe drivers. Full coverage rates in the city average around $179 per month, though premiums fluctuate based on exact ZIP codes and individual driving records.
To find the most affordable premiums, residents should consistently compare quotes across multiple carriers. Any chosen policy must meet Maryland’s legal minimum limits of $30,000 for bodily injury liability per person and $15,000 for property damage.
What’s Changed In 2026?
- Auto insurance premium increases are currently stabilizing, offering local drivers relief after consecutive years of hikes.
- Frederick residents currently benefit from average car insurance costs that fall below the Maryland state average.
- Maryland recently increased its uninsured motorist penalties, making continuous auto coverage vital to avoid daily fines.
Cheapest Car Insurance Companies Frederick, MD 2026
Cheapest Liability-only Car Insurance In Frederick: GEICO
GEICO provides the most affordable minimum coverage car insurance in Frederick, costing around $77 a month.
Use the following table to see how different insurance companies stack up in terms of pricing.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $77 | $924 |
| Progressive | $119 | $1,428 |
| State Farm | $100 | $1,200 |
| Travelers | $134 | $1,608 |
| Allstate | $176 | $2,112 |
Cheapest Auto Insurance For Young Adults in Frederick: Safeco
Safeco leads in affordable car insurance for young adults in Frederick, with rates averaging $147 per month.
You can compare the most budget-friendly auto insurance rates for young adults in Frederick using the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $147 | $1,764 |
| Erie | $184 | $2,208 |
| State Farm | $165 | $1,980 |
| USAA | $149 | $1,788 |
| Penn National | $219 | $2,628 |
Cheapest Full Coverage Insurance Rates In Frederick: GEICO
In Frederick, GEICO provides the lowest rates for full coverage car insurance, averaging $114 per month.
Below is a comparison of average auto insurance rates from affordable companies in Frederick.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $114 | $1,368 |
| Erie | $159 | $1,908 |
| State Farm | $148 | $1,776 |
| Travelers | $199 | $2,388 |
| Allstate | $262 | $3,144 |
Cheapest Car Insurance Rates For Seniors: State Farm
In Frederick, seniors can get the most affordable car insurance from State Farm, averaging $96 per month.
Below is a table comparing average quotes from the cheapest car insurance companies for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $96 | $1,152 |
| Penn National | $114 | $1,368 |
| Erie | $102 | $1,224 |
| Metropolitan | $119 | $1,428 |
Cheapest Rates In Frederick For Teenagers: Erie
Teenage drivers in Frederick can get the most affordable quotes from Erie, which averages $191 a month.
The following table compares the companies with the most affordable insurance rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Erie | $191 | $2,292 |
| Elephant Insurance | $194 | $2,328 |
| State Farm | $312 | $3,744 |
| USAA | $274 | $3,288 |
| Encompass | $417 | $5,004 |
Cheapest Car Insurance In Frederick For Good Drivers: GEICO
Frederick’s best car insurance rates for good drivers come from GEICO, costing about $77 a month.
If you’re a good driver, the table below helps you find average quotes from the most budget-friendly insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $77 | $924 |
| Progressive | $119 | $1,428 |
| State Farm | $100 | $1,200 |
| Travelers | $134 | $1,608 |
| Allstate | $177 | $2,124 |
Find affordable Frederick rates
Cheapest For Drivers With After At-Fault Accident: GEICO
Drivers with an at-fault accident can secure affordable car insurance from GEICO, which averages $119 a month.
The following companies offer the most budget-friendly car insurance for drivers who have been involved in an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $119 | $1,428 |
| Progressive | $158 | $1,896 |
| Travelers | $174 | $2,088 |
| State Farm | $130 | $1,560 |
| Allstate | $228 | $2,736 |
Cheapest Car Insurance In Frederick After A Speeding Ticket: State Farm
For drivers in Frederick who have a speeding ticket, State Farm offers some of the lowest rates, at about $120 a month.
Use the chart below to view the average rates for drivers who have a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $120 | $1,440 |
| Progressive | $148 | $1,776 |
| Travelers | $166 | $1,992 |
| Erie | $143 | $1,716 |
| Allstate | $219 | $2,628 |
Free Policy Review: Spot Gaps. Cut Costs.
Cheapest Rates In Frederick For Drivers After A DUI: State Farm
For Frederick drivers dealing with a DUI, State Farm offers the cheapest car insurance, with rates averaging $157 per month.
For Frederick drivers with a DUI, the cheapest car insurance rates can be found in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $157 | $1,884 |
| Progressive | $188 | $2,256 |
| National General | $229 | $2,748 |
| Nationwide | $320 | $3,840 |
| Allstate | $277 | $3,324 |
Best Car Insurance Companies In Frederick
For Frederick drivers, GEICO offers the lowest rate at $77 a month, while State Farm and Progressive provide coverage for $100 and $119 per month.
Below is a comparison of the top 10 car insurance companies in Frederick, MD, ranked by their average monthly rates.
| Company | Monthly Premium |
| GEICO | $77 |
| Progressive | $119 |
| State Farm | $100 |
| Travelers | $134 |
| Allstate | $177 |
| Root | $123 |
| CSAA | $126 |
| Safeco | $121 |
| Nationwide | $202 |
| Bristol West | $185 |
Average Auto Insurance Rates In Frederick – By Age
Age is an important factor in calculating car insurance rates. Younger drivers typically pay higher premiums due to their inexperience and increased chances of accidents or traffic offenses. Teenagers often face annual costs of about $3,215.
At 25, most drivers see a reduction in their insurance premiums, assuming they have kept their driving record spotless.
Those in their 50s and early 60s are often offered the most competitive car insurance rates, as age is a crucial factor in determining driving experience and risk, which in turn impacts premiums.
| Age | Average Yearly Rate |
| Teenagers | $3,215 |
| 20s | $1,926 |
| 30s | $1,305 |
| 40s | $1,359 |
| 50s | $1,249 |
| 60s | $1,138 |
| 70s | $1,073 |
Average Rates In Frederick – By Vehicle
The type of vehicle you own affects your insurance premiums, with factors like make, model, year, and body type being taken into account. Typically, newer luxury cars with advanced technology and high replacement costs have higher rates.
Use the table below to check average insurance costs for different vehicle types in Frederick.
| Vehicle | Average Monthly Rate |
| Chevrolet Sonic | $97 |
| Kia Rio | $156 |
| Ford Fusion | $93 |
| Kia Forte | $196 |
| Toyota Highlander | $113 |
How Much Is Car Insurance In Other Cities in Maryland?
Living in an urban area can increase your car insurance rates, as insurers evaluate higher risks like accidents, theft, and vandalism, which are more prevalent in cities.
In Capitol Heights, the average car insurance premium is around $192 per month, whereas residents of Capitol Heights typically pay $111 per month.
| City | Average Monthly Rate |
| Rockville | $130 |
| Bethesda | $123 |
| Silver Spring | $154 |
| Capitol Heights | $192 |
| Baltimore | $200 |
| Gaithersburg | $145 |
| Hyattsville | $189 |
| Bowie | $165 |
| Cumberland | $111 |
| Upper Marlboro | $173 |
Average Cost Of Auto Insurance In Frederick – By Zip Code
Different zip codes often come with different car insurance rates because insurers use them to gauge local crime levels.
Use the table below to check the average insurance premiums for different zip codes in Frederick.
| Zip Code | Average Monthly Rate |
| 21701 | $126 |
| 21703 | $123 |
| 21702 | $118 |
| 21742 | $102 |
| 21704 | $135 |
Find affordable Frederick rates
Our Methodology
Through a comprehensive review of customer service, product selection, pricing, and feedback from various online sources, I’ve crafted a well-rounded view of car insurance options in Frederick, MD.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
What has the lowest car insurance in Frederick?
For the minimum coverage required in Frederick, GEICO offers the most affordable rates, and for full coverage, which includes comprehensive and collision, GEICO still provides the lowest premiums.
What is the average cost of car insurance in Frederick?
In Frederick, the average car insurance rate is about $119 a month, but it can vary based on your vehicle’s year and model, driving history, and zip code.
About Bob Phillips
Bob Phillips is a former California-licensed insurance agent (license #0C27547) with over 15 years helping clients plan their finances. He holds the Chartered Life Underwriter (CLU) designation from The American College, a BA from the State University of New York, and Series 6, 7, 26, 63, and 65 securities licenses, and has held life, health, disability, and property/casualty insurance licenses.
He has written hundreds of insurance and investment articles and published two financial books. You can verify Bob’s license history (#0C27547) at the California Department of Insurance.
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