Cheapest Car Insurance In Frederick, MD For April, 2024

Our findings indicate that USAA is the most cost-effective option for car insurance in Frederick.

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Updated: 10 January 2024
Written by
Bob Phillips
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In Frederick, reliable car insurance is an absolute necessity for any driver. With the city’s high rates of auto accidents and theft, it’s crucial to have sufficient coverage. However, the average car insurance rates in Frederick ($382) exceed the state average in Maryland ($309), making it challenging to find a policy that offers comprehensive protection within your budget.

To assist you, we’ve conducted extensive research on various car insurance companies, aiming to provide you with the best coverage options at affordable rates. Our findings indicate that USAA is the most cost-effective option for car insurance in Frederick. However, other providers offer competitive rates for different driver demographics.

Travelers offers an affordable solution for younger and senior drivers, while Erie is an excellent choice for minimum coverage. Allstate provides comprehensive full coverage for those seeking maximum protection, and GEICO may be the best option for drivers with poor credit. Regardless of your driving profile, we have you covered with the best car insurance options available in Frederick.

Cheapest And Best Car Insurance Companies In Frederick, MD 2024

Best Cheap Car Insurance, Frederick 2024

Compare The Cheapest Car Insurance Companies In Frederick, MD

J.D. Power Rating (Mid-Atlantic) Best For Overall Rating AM Best Rating Average Annual Cost Get A Quote
USAA

881

Cheapest Overall

4.9

A++

$1,212

Instant Quote
Allstate

832

Cheapest Full Coverage

4.7

A++

$2588

Instant Quote
Travelers

860

Cheapest For Young Drivers

4.7

A++

$2,142

Instant Quote
Erie

867

Cheapest Minimum Coverage

4.6

A+

$737

Instant Quote
GEICO

834

Drivers With Bad Credit

4.8

A++

$1,769

Instant Quote
Travelers

860

Seniors

4.7

A++

$1,847

Instant Quote
Scroll to see comparisons

Our Methodology

We conducted a thorough analysis of various car insurance review sites to find the most affordable rates in Frederick. These sources provided valuable insights by accessing public filings through Quadrant Information Services, giving us a comprehensive overview of the market. Throughout our review, we carefully examined the rates obtained from these sources to identify the most cost-effective options. However, it's important to remember that insurance rates can fluctuate and will depend on individual factors such as your driving history, age, and location.

79

Quotes Analyzed

15+

Years Of Industry Experience

25

Brands Reviewed

47+

Research Hours

Cheapest Car Insurance Companies In Frederick, MD


Cheapest Overall

Overall Rating
4.9

Key Statistics

10/10 Affordability
10/10 Customer Reviews
9/10 Claims/payouts
10/10 Coverage Level

Why We Like Them

USAA stands out as a consistent frontrunner in the realm of auto insurance, not just nationwide but also in Frederick. While their services are exclusively available to current and former military personnel and their families, we firmly believe that USAA offers unmatched rates and a superior level of service when compared to other players in the industry—a sentiment also echoed by J.D. Powers.

USAA’s commitment to excellence is evident in its exceptional claims handling process, which has garnered high acclaim and fostered strong trust and loyalty among its customer base. Their dedication to providing top-notch service sets them apart from the competition.

USAA has established itself as a dominant force in the military market, cultivating a robust brand presence. Consistent studies affirm the strong allegiance of customers and their high satisfaction levels with claims handling.

Benefits & Drawbacks

Benefits
  • Outstanding customer satisfaction ratings
  • Possibility to combine car insurance with other USAA products
  • Extensive accessibility for a substantial number of military families in the Frederick/D.C. metro area
Drawbacks
  • Limited eligibility: exclusively offered to active military, veterans, and their families

Cheapest Overall Rates In Frederick

Company Rate Per Year
USAA $1,212
GEICO $1,346
State Farm $1,836
Progressive $2,136
Nationwide $2,201

Cheapest Full Coverage

Overall Rating
4.7

Key Statistics

10/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Allstate emerges as a strong contender across various categories in our rankings, particularly excelling in providing the most affordable full coverage. In addition to the standard auto coverage options, Allstate extends its offerings to Frederick drivers by providing a wide range of optional coverages that can be added to their policies. These include:

• Safe Driving Bonus: Rewarding accident-free driving every six months with a money-back incentive.

• Accident Forgiveness: Ensuring that your rates won’t increase following an accident, even if you were at fault.

• New Car Replacement: Providing a check for a brand-new car in the event of a total loss within the first two model years.

• Deductible Rewards: Allowing you to earn reductions of $100 off your collision deductible each year you remain free of violations, up to a maximum of $500 off.

• Gap Insurance: Bridging the gap between the amount you owe on your car loan or lease and the vehicle’s value, offering coverage in case of a total loss.

• Rideshare Insurance: Offering additional protection for drivers working with rideshare companies like Uber or Lyft.

In Frederick, full coverage car insurance includes the minimum required coverages in Maryland, as well as comprehensive and collision coverage. While full coverage offers extensive financial protection for drivers, it’s essential to consider the cost in relation to the value of your vehicle. In some cases, opting for minimum coverage may be sufficient if it exceeds the worth of your car.

Benefits & Drawbacks

Benefits
  • Utmost financial strength ratings
  • Abundance of coverage options
  • Extensive presence of claims offices in the Frederick area
Drawbacks
  • Subpar J.D. Power customer service rating in the Mid-Atlantic region
  • Exclusively offered through Allstate agents

Cheapest Full Coverage In Frederick

Company Rate Per Year
USAA $1,212
GEICO $1,346
State Farm $1,836
Progressive $2,136
Nationwide $2,201

Cheapest For Young Drivers

Overall Rating
4.7

Key Statistics

10/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Travelers offers affordable car insurance rates that are appealing to teen drivers in Frederick. They understand that young drivers often face higher insurance costs and aim to help alleviate this financial burden. Travelers is a well-known name in the auto insurance industry, and their policies can be accessed through independent agents throughout the city. While teen drivers may not be eligible for all the discounts offered by insurance providers, Travelers provides a selection of discounts designed specifically for younger drivers. These discounts include:

  • Safe driving
  • Having no gaps in coverage
  • Paying electronically, upfront, or on time
  • Owning or leasing a hybrid car
  • Insuring vehicles less than three years old
  • New customers who get quotes before their current policies expire
  • Students who are away at school
  • Completing a driver training course
  • Drivers in high school or college who maintain a “B” average or better

Travelers offers a unique feature called the IntelliDrive app, which monitors various driving behaviors including speed, time of day, phone usage, and braking and acceleration patterns for a period of 90 days. By demonstrating safe driving habits throughout this period, policyholders are eligible for a substantial discount of up to 30% when their policy renews.

Benefits & Drawbacks

Benefits
  • Unbeatable rates for young drivers
  • Plentiful availability of discounts for teen drivers
  • Ranking as one of the nation's largest insurers
Drawbacks
  • Subpar J.D. Power customer service ratings
  • Unavailability of rideshare insurance

Cheapest For Young Drivers In Frederick

Company Rate Per Year
Travelers $2,142
State Farm $2,205
Progressive $2,872
Nationwide $3,239
Allstate $5,647

Cheapest For Senior Drivers

Overall Rating
4.7

Key Statistics

10/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Senior drivers in their 60s and 70s face higher car insurance rates due to an increased accident rate attributed to factors like poor vision and slower reflexes. However, Travelers offers discounts to seniors and other eligible drivers with multiple Travelers policies, completion of safe driving courses, and reduced mileage. Seniors often qualify for lower mileage discounts as many are retired and no longer commute within Frederick or to Washington, D.C.

Seniors seeking car insurance savings can explore raising deductibles, opting for full premium payments, and bundling home and auto policies with Travelers. These strategies offer potential discounts, helping seniors trim their expenses without compromising on essential coverage.

Benefits & Drawbacks

Benefits
  • Unbeatable rates for senior drivers
  • Opportunity for discounts upon completing a defensive driving class
  • A well-known and trusted name among seniors
Drawbacks
  • Subpar J.D. Power customer service ratings
  • Limited availability of Travelers car insurance agents

Cheapest For Senior Drivers In Frederick

Company Rate Per Year
Travelers $1,847
State Fam $2,373
Progressive $2,532
Liberty Mutual $2,648
Nationwide $3,128

Cheapest For Drivers With Bad Credit

Overall Rating
4.8

Key Statistics

9/10 Affordability
8/10 Customer Reviews
9/10 Claims/payouts
10/10 Coverage Level

Why We Like Them

Credit score, much like age, significantly influences car insurance rates. Insurance companies have observed a correlation between lower credit scores and a higher likelihood of filing claims. Among the insurers we reviewed, GEICO emerged as the most affordable option for drivers with poor credit.

In addition to the standard coverage provided by most insurers, GEICO offers optional mechanical breakdown coverage. This coverage can be particularly beneficial for Frederick drivers with newer vehicles. It is renewable for up to seven years or 100,000 miles, providing added peace of mind as your car ages and the likelihood of breakdowns increases.

In contrast to certain states, Maryland permits insurance companies to consider your credit score when determining your premium. However, it’s important to note that car insurers in Maryland are prohibited from denying you coverage based on a poor credit score, nor can they use it to raise your rates during premium renewal. If your credit score improves, it is advisable for drivers to reach out to their insurer, request a rate review, and inquire about potential reductions in their premiums.

Benefits & Drawbacks

Benefits
  • Possibility of bundling discounts
  • Continued availability of discounts for drivers with poor credit
  • Extensive accessibility through numerous Frederick agents
Drawbacks
  • Subpar J.D. Power customer service ratings

Cheapest For Drivers With Bad Credit

Company Rate Per Year
GEICO $1,769
USAA $2,103
Travelers $2,520
Nationwide $3,108
Progressive $3,192
Allstate $4,320

Cheapest Minimum Coverage

Overall Rating
4.6

Key Statistics

10/10 Affordability
9/10 Customer Reviews
8/10 Claims/payouts
9/10 Coverage Level

Why We Like Them

Erie is the top choice for affordable minimum coverage rates in Burnie. According to Maryland’s regulations, the minimum coverage rates are as follows:

  • $30,000 per person for bodily injury liability
  • $15,000 per accident for property damage liability
  • $60,000 per accident for bodily injury liability

Every car insurance provider in Burnie must offer $2,500 in personal injury protection (PIP) coverage, but drivers can choose to waive this coverage if they prefer. What sets Erie apart is their wide range of coverage options. They offer gap insurance, new car replacement coverage, rideshare insurance, and more. Additionally, Erie allows customers to lock in their rates until they make any changes to their policy, such as adding a driver or vehicle or relocating to a different area.

If your car’s value is lower than the cost of full coverage, it’s advisable to opt for minimum coverage. However, it’s important to note that choosing minimum coverage does involve a greater financial risk compared to selecting higher limits.

Benefits & Drawbacks

Benefits
  • Earns top rankings in customer satisfaction studies conducted by J.D. Power
  • Offers a diverse range of coverage options
  • Provides the option to lock in your car insurance rate
Drawbacks
  • Limited availability in only 12 states, which may pose inconvenience for Burnie insureds who relocate in the future.
  • Provides fewer discounts compared to other insurance providers

Cheapest Minimum Coverage In Frederick

Company Rate Per Year
Erie $737
Travelers $946
Progressive $1,056
Nationwide $1,212
MetLife $1,309

Average Cost Of Car Insurance In Frederick, MD

Average Cost In Frederick – By Age

Age Group Average Annual  Rate
Teenagers $5,412
20s $1,567
30s $1,314
40s $1,385
50s $1.356
60s $1,165
70s $1,112

Average Cost In Frederick – By Gender

Gender Average Annual Rate
Male $2,423
Female $2,312

Average Cost In Frederick – By Marital Status

Marital Status Average Annual Rate
Single $2,478
Married $2,232

Average Cost In Frederick – By Accident And Violation History

Violation Average Annual Premium
DWI/DUI $5,645
Reckless Driving $5,112
At-Fault Accident (damage <$1,000) $3,785
At-Fault Accident (damage >$2,000) $4,439
Speeding (16-20 MPH > limit) $3,365

Average Cost In Frederick– By Credit Tier

Credit Tier Average Annual Rate
Excellent $1,412
Good $1,467
Fair $1,725
Poor $2,215

Average Cost In Frederick – By ZIP Code

ZIP Code Average Annual Rate
21224 $1,184
21229 $1,227
21206 $1,383
21218 $1,423
21215 $1,589

Minimum Car Insurance Requirements In Maryland

When comparing car insurance options, it’s essential to consider Maryland’s minimum coverage requirements, which include:

  • $30,000 per person for bodily injury liability
  • $60,000 per accident for bodily injury liability
  • $15,000 per accident for property damage liability

While these are the minimum coverage requirements, it’s important to evaluate your specific needs. Depending on factors such as your vehicle and the amount of time you spend on the road.

How To Buy Car Insurance In Frederick

When purchasing car insurance in Frederick, you can ease the process and potentially save money by following these steps:

  1. Gather your driver and vehicle information: Ensure you have the necessary details such as names, dates of birth, driver’s license numbers, vehicle identification numbers (VIN), current mileage, current insurance information, and the registered owner’s name. This information will be required for an accurate quote.
  2. Decide if you’ll buy online or through an agent: Decide whether you prefer buying insurance online or through an agent. Both options are viable, and it depends on your personal preference and comfort level in understanding the coverage types and amounts you require.
  3. Get quotes from at least three companies: Request quotes from a minimum of three insurance companies to compare rates. It’s crucial to ensure you’re comparing similar coverage amounts and deductibles to make an informed decision.
  4. Look for discounts: Take advantage of the various discounts offered by insurers to make car insurance in Frederick more affordable. Look for discounts that you qualify for and can help lower your premium.
  5. Cancel your old policy: Once your new coverage is in effect, remember to cancel your old policy to avoid paying for duplicate coverage. Contact your previous insurer to inform them of the cancellation.

Factors That Impact The Cost Of Your Car Insurance Policy In Frederick

When it comes to car insurance rates in Frederick, there are three key factors that influence the cost:

Commuters and accidents: Many Frederick residents commute daily on I-95 to Washington, D.C., leading to heavy traffic and a significant number of accidents. This congestion and high accident rate can result in higher insurance premiums for drivers in the area.

Crime statistics: Certain areas of Frederick experience higher crime rates, including incidents of theft and vandalism. If you live or work in one of these areas, your insurance rates may be higher than the city’s average due to the increased risk of damage or loss.

Uninsured motorists: nearly one-third of drivers in Frederick are uninsured. This means responsible drivers should consider carrying comprehensive and collision insurance, which provides higher limits and greater protection. However, these types of coverage tend to be more expensive due to the increased risk associated with uninsured motorists.

Additionally, your vehicle type and driving record will also impact your insurance rates. Factors such as the make and model of your car, as well as your history of accidents or traffic violations, will be taken into consideration by insurance providers when determining your premiums.

Maryland Car Insurance Laws To Know

In Maryland, it is mandatory for vehicle owners and drivers to carry proof of insurance with them while driving. Failure to provide proof of insurance when requested by law enforcement during a traffic stop or after an accident may result in receiving a traffic citation.

If the Maryland Motor Vehicle Administration (MVA) requires verification of insurance, you will need to provide a Maryland Insurance Certification (FR-19). You can obtain this form from your insurance company at no cost.

It is crucial to be aware that knowingly driving a vehicle without insurance, or allowing someone else to drive an uninsured vehicle when you are aware of its status, can lead to severe consequences, including imprisonment. First-time offenders can face a fine of up to $1,000 and a maximum of one year in jail. For second or subsequent offenders, the penalty can be a fine of up to $1,000 and a maximum of two years in jail (Md. Code Transportation, § 17-107 (2022)).

Information About Frederick

Frederick, once a thriving center of industry and commerce, has transformed into a vibrant hub of social, cultural, and economic activity, while still maintaining its welcoming small-town feel. Similar to Baltimore, Frederick offers an impressive array of attractions that appeal to both residents and visitors. From strolling through the historic streets of downtown Frederick to exploring the intriguing exhibits at the National Museum of Civil War Medicine, there are countless opportunities for discovery. The beautifully restored Weinberg Center for the Arts showcases remarkable architecture and hosts captivating performances. For those seeking a more tranquil experience, Baker Park offers a peaceful oasis, while Rose Hill Manor Park and Children’s Museum exude a captivating charm. Frederick is a city that offers a rich tapestry of experiences for everyone to enjoy.

Car Insurance Discounts In Frederick

Shopping for discounts is necessary if you want to cut costs on car insurance in Frederick. These are the most common discounts you’ll find:

  • Being a “safe driver” with a good driving history
  • Being claims-free for a specified period of years
  • Installing vehicle safety features
  • Customer loyalty
  • Driving fewer than average miles
  • Being in the military
  • Being age 55+ and retired
  • Having a short commute to work
  • Being a student with at least a “B” average

FAQs

What is the cheapest car insurance in Frederick?

Erie offers the most affordable car insurance in Frederick, with a yearly premium of $926 for minimum liability coverage.

How much does car insurance cost in Frederick per month?

The average cost of car insurance in Frederick is $382 per month.

Why is Frederick car insurance so expensive?

Frederick’s high accident rate, uninsured drivers, and auto theft contribute to the city’s expensive car insurance premiums.

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