Best Frederick, MD Auto Insurance in 2024 (We Suggest These 10 Companies)

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

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#1 – Geico: Top Overall Pick

Pros

• Affordable Rates: Geico offers some of Maryland’s cheapest car insurance premiums. Check out our Geico auto insurance review for details.
• Convenient Online Resources: Geico’s robust website and mobile app make it easy for drivers in Frederick to manage policies and file claims.
• Bundling Discounts: Frederick residents can save by combining auto and home insurance with Geico.

Cons

• Limited Local Presence: Geico may not be ideal for those in Frederick, MD, who prefer in-person service.
• Fewer Coverage Options: Geico’s optional coverages may not be as extensive as those of other insurers in Maryland.

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#2 – USAA: Best for Military Families

Pros

• Tailored Policies: Military members and their families in Frederick, MD, benefit from customized coverage. Explore our USAA auto insurance review for more.
• Exceptional Service: USAA is renowned for outstanding customer satisfaction in Frederick.
• Military Discounts: Offers competitive rates for active-duty personnel, veterans, and their families in Maryland.

Cons

• Restricted Eligibility: Coverage is limited to military families, excluding most Frederick residents.
• No In-Person Offices: USAA lacks physical locations, which may inconvenience Maryland customers.

#3 – State Farm: Best for Assistance 

Pros

• Extensive Agent Network: State Farm’s strong presence in Frederick, MD, ensures personalized service.
• Trusted Reliability: A long-standing insurer with a solid reputation across Maryland. Read our State Farm auto insurance review to find out more.
• Savings for Safe Drivers: Frederick drivers with clean records can enjoy significant discounts.

Cons

• High Premiums: Rates can be pricier, especially for younger drivers in Frederick.
• Limited Digital Tools: State Farm’s online features may lag behind other competitors in Maryland.

#4 – Erie: Best for Customer Service

Pros

• Streamlined Claims: Erie is praised for efficient claims handling in Frederick, MD. For further insights, discover our Erie auto insurance review.
• Price Lock: Maryland drivers can lock in their rates even after an accident.
• Broad Coverage: Erie offers diverse add-ons for comprehensive protection in Frederick.

Cons

• Limited Availability: Erie’s coverage is restricted to specific states, which may affect Frederick residents who relocate.
• Subpar Mobile App: Its app lacks some features other Maryland insurers offer.

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#5 – Travelers: Best for in High Coverage Limits

Pros

• Flexible Plans: Travelers provides a variety of customizable auto insurance policies in Frederick.
• Discounts for Multi-Car Owners: Maryland drivers with multiple vehicles can save more. Read our Travelers auto insurance review for more information.
• Accident Forgiveness: Limits premium increases for at-fault accidents in Frederick, MD.

Cons

• Variable Service Quality: Customer experiences with claims and support in Maryland can vary.
• Inferior Digital Tools: Managing policies online may be less convenient for Frederick residents.

#6 – Farmers: Best for Customizable Policies

Pros

• Extensive Coverage Options: Farmers offers tailored policies for drivers in Frederick, MD. Read our Farmers auto insurance review for more insights.
• Accident Forgiveness: Rewards safe drivers in Maryland with reduced penalties for minor incidents.
• Local Support: Farmers’ network of local agents provides personalized service in Frederick.

Cons

• Higher Rates: Premiums are generally more expensive for Maryland drivers, especially younger ones.
• Inconsistent Discounts: Not all savings options are available to Frederick policyholders.

#7 – Nationwide: Best for Bundling Options

Pros

• Bundling Discounts: Maryland drivers can save money by combining auto and home policies. For additional details, refer to our Nationwide auto insurance review.
• Annual Policy Reviews: Nationwide offers coverage optimization for Frederick customers.
• Vanishing Deductible: Safe drivers in Frederick, MD, are rewarded by reducing their deductibles over time.

Cons

• Limited Specialty Coverage: Some optional coverages may be less comprehensive in Maryland.
• Claims Process Concerns: Mixed reviews on claims handling among Frederick customers.

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#8 – Allstate: Best for Safe Drivers

Pros

• Safe Driving Rewards: Frederick drivers with clean records enjoy exclusive savings.
• Wide Policy Options: Offers numerous add-ons for Maryland drivers.
• Advanced Digital Tools: Allstate’s app enables easy policy management in Frederick.

Cons

• High Base Premiums: Rates in Maryland tend to be above average. Visit our Allstate auto insurance review to get the full scoop.
• Claims Issues: Some Frederick residents report dissatisfaction with claims handling.

#9 – Liberty Mutual: Best for Custom Coverage

Pros

• Flexible Policies: Maryland drivers can customize their coverage to suit individual needs. Read our Liberty Mutual auto insurance review to learn more.
• Deductible Fund: Frederick drivers can lower deductibles by $100 annually for safe driving.
• Roadside Assistance: Includes comprehensive roadside coverage for Maryland customers.

Cons

• Expensive for High-Risk Drivers: Premiums are higher for less-than-perfect driving records in Frederick, MD.
• Less User-Friendly App: Some Frederick residents find Liberty Mutual’s digital tools lacking.

#10 – Progressive: Best for High-Risk Drivers

Pros

• Snapshot Program: Frederick drivers can save through safe driving rewards. Consult our Progressive auto insurance review to learn more.
• Strong Digital Experience: Progressive’s app simplifies policy management in Maryland.
• Competitive Rates: Offers affordable options for high-risk drivers in Frederick, MD.

Cons

• Low Discounts: Savings opportunities vary across Maryland.
• High Comprehensive Coverage Rates: Full coverage plans in Frederick can be pricey.

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Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level

In Frederick, MD, auto insurance requires a minimum liability coverage of 30/60/15. Drivers looking for affordable car insurance options in Frederick can find competitive rates. Some of the area’s most affordable car insurance providers include Geico, USAA, and State Farm. Geico, for instance, offers auto insurance in Frederick at a monthly rate of $29.

Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level

Historically, Frederick was a significant location for many events during the American Civil War. Today, it is known for its biomedical research initiatives and ongoing downtown revitalization.

Frederick, MD Auto Insurance Monthly Rates by Provider & Coverage Level

If you’re searching for affordable auto insurance in Frederick, MD, visit AutoInsuranceEZ.com to discover your area’s cheapest car insurance option.

To receive free car insurance quotes from major providers, enter your local ZIP code in the box at the end of this page.

Auto Insurance Coverage Requirements in Maryland

Driving legally in Maryland is straightforward, requiring only the minimum coverage. However, understanding the types of auto insurance coverage can provide additional protection that suits your needs, giving you peace of mind on the road.

Maryland Minimum Auto Insurance Coverage Requirements

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.

While maintaining vehicle insurance can cost the average Maryland driver more than $151 monthly, there’s hope for Frederick drivers. By acting fast, they can secure great deals and lower their monthly payments to as low as $29/month.

State Auto and Allstate Insurance Frederick, MD, compete for your business and have the lowest rates in town. However, you’re switching before you decide to switch, so doing your homework is crucial. Remember, a low rate doesn’t always guarantee the best service. Don’t be cautious in your decision-making.

Frederick, MD Report Card: Auto Insurance Premiums

You can research some companies, such as Geico Insurance in Frederick, MD, and Geico Insurance in Frederick, MD 21704. These factors include your marital status, ZIP code, occupation, miles you drive yearly, and the number of cars and drivers in your household. These factors can significantly affect your insurance rates.

Frederick, MD Auto Accident & Insurance Claim Statistics

Additionally, premiums differ among car insurance companies in Frederick, MD. To verify that 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. 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

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.

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 Provider & Credit Score

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

Bundling them to your policy might help lower the price. The best approach is to 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 Provider & Driving Record

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 & Coverage Level

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?

Insurance companies often consider educated individuals more responsible and less likely to engage in risky driving behaviors, leading to lower rates. Lowering your rates is 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. Whether you’re drawn to the comprehensive education at Mount St. Mary’s, the vibrant community at Hood College, or the career-focused programs at Frederick Community College, the power to shape your future is in your hands.

Unfortunately, for most insurance companies, a straightforward internet search can expose many of their business secrets. But with the right information, you can understand your risk profile and secure low-cost insurance, providing financial security. 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.