Cheapest Auto Insurance in Frederick, Maryland (2025)

When it comes to car insurance prices, ZIP code matters. Frederick drivers are in luck — they spend an average of $195 per month on car insurance — a lot less than the state average of $247. Frederick had only 119 motor vehicle thefts in 2023, and low amounts of vehicle theft can help keep insurance rates low in an area.1

Even if you’re already paying affordable rates, comparing quotes from multiple insurers can help you make sure you’re getting the best deal on coverage in Frederick.

3 of the cheapest car insurance companies in Frederick

While snagging a good deal is appealing, selecting the ideal auto insurance company requires considering other factors like coverage types, features, financial stability ratings, and price.

To kickstart your search, here’s a list of some top-rated and budget-friendly car insurance companies in Frederick.

Best insurer for coverage options: Safeco

Best insurer for military members and their families: USAA

Best insurer for cheap rates: Clearcover

How to get the cheapest car insurance in Frederick

Auto insurance companies can consider factors beyond your control (like local weather and traffic patterns) when setting insurance rates, but you can take some steps to help lower your rates:2

• Compare quotes. It’s a good idea to request quotes from at least three different car insurance companies so you can get an idea of which can offer you the best rates for the coverage you need.

• Bundle multiple policies. You can often save some money when you purchase more than one insurance policy (like home insurance and auto insurance) from the same insurance company.

• Seek discounts. Ask an independent insurance agent or an insurance agent at every Maryland auto insurance company you’re considering about potential discounts for things like safe driving, good student status, or using anti-theft devices.

• Improve your credit score. In many states, car insurance companies can take your credit history into consideration when setting rates, and drivers with poor credit often end up with higher rates.

Cheapest liability-only car insurance in Frederick: CSAA

Liability car insurance takes care of the damage and injuries you may cause to others during an accident. It covers property damage and medical expenses for others involved, but it doesn’t pay for your own car repairs or medical bills. While this type of auto insurance policy usually satisfies legal requirements, it could leave you accountable for your own vehicle repairs or medical expenses after a car accident.

Some drivers opt for this coverage type because it can be more affordable than full-coverage policies. In Frederick, liability-only car insurance costs an average of $152 per month.

The following table outlines the cheapest average rates for liability policies in Frederick.

Cheapest full-coverage car insurance in Frederick: USAA

Full-coverage insurance includes liability coverage and also provides collision and comprehensive insurance coverages for your own car damage. Comprehensive coverage is particularly advantageous for drivers with newer or more valuable cars, as it offers protection against theft, at-fault accidents, and natural disasters. If you finance or lease your vehicle, your lender or leasing company will probably require you to have full-coverage car insurance.

Full-coverage insurance is usually more expensive than a liability-only policy, and in Frederick, it costs an average of $237 per month.

Look at the following table to find the lowest average rates for full-coverage policies in Frederick.

Car insurance requirements in Maryland

All states have their own unique minimum coverage requirements to drive legally. In Maryland, you need to maintain the following amounts of liability coverage:3

To protect yourself more thoroughly, you can consider buying the following insurance policies:

Cheapest car insurance for drivers with an incident

Having an incident on your driving record — like at-fault auto accidents, speeding tickets, and driving under the influence (DUI) convictions — can increase your insurance rates.4 Having violations like these can indicate to insurers that you’re at risk of filling future claims, and they offset potential losses by charging higher premiums.

The table below shows how different driving incidents can affect your car insurance rates.

Average cost of car insurance by age

Car insurance rates tend to drop around age 35 as drivers gain more experience and become safer on the road. Teen drivers face the highest insurance rates because of their limited driving experience, increased accident risk, and tendencies toward riskier driving behaviors, making them higher-risk policyholders for insurance companies.

Senior drivers aren’t off the hook either. Around age 70, rates may rise due to factors like potential health issues and slower reaction times.

You can see from the following table how average car insurance rates can ebb and flow by age in Frederick.

Frederick car insurance quotes by credit tier

In most states, insurance companies can use your credit history to help set monthly premiums. Drivers with excellent or good credit pay lower rates than drivers with poor credit.

In Maryland, car insurance companies may consider your credit history when determining the rate for a new policy. But they aren’t allowed to use your credit score to deny your initial application, cancel an existing policy, decline to renew your policy, or increase your premiums during a renewal.5

Below, you can see the average monthly rates for car insurance in Frederick based on credit tier: