Frederick, MD Car Insurance

Drivers in Frederick pay around $67 a month for their car insurance. To learn more about policy rates and coverage in the Frederick area, continue reading our guide below.
What should residents of Frederick expect to pay for their car insurance? Compared to their surrounding area, how do rates in Frederick stack up? What about against the rest of Maryland? Discover the factors that go into calculating the average cost in our writeups and charts below:  

How much is car insurance in Frederick?

Area Average Monthly Car Insurance Premium
Frederick$67
MD$120
United States$80

The cost of coverage in Frederick is about $53 a month cheaper than it is for the rest of Maryland.

When stacked up against the national average, the average monthly policy payment for Frederick is more affordable. The average monthly payment in Frederick is about $13 less than the rate for the rest of the United States.

Bear in mind that while these rates are the average costs for drivers in Frederick, it doesn't mean that's what you'll pay. There are a number of factors that determine how much insurance companies might charge you for your insurance policy. Your bill each month is calculated off of your age, gender, vehicle make and model, driving record, and in some cases, your credit score.

We've broken down the average rates for Frederick to help you understand what exactly you might be asked to pay. And if you're not sure that you're paying the lowest option, simply enter your ZIP Code below and find out!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18Not Enough Data
18-24$92
25-34$66
35-44$56
45-54Not Enough Data
55-64$46
65+$43

Generally, the older you are, the more experienced you are on the roads, right? That experience can really work in your favor when factored into your car insurance rates. As you can see, 18-24-year-olds pay two times as much as someone who is retirement aged.

For every 10 years, you can expect to see a drop in your monthly premium. That said, once you hit retirement age, your rates may climb back up a bit in Frederick.

Average Car Insurance Rates by Gender

Gender Average
Male$69
Female$64

Car insurance rates for women are generally cheaper than they are for men. The difference in Frederick is about $5 per month. As you can see in the chart above, car insurance for women in the area typically costs around $64 each month, while men pay $69 on average.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$78
Multiple Accidents$124
1 Ticket$84
Multiple Tickets$96

Your driving record can have a huge impact on your car insurance rates. Drivers who avoid accidents and tickets will pay much lower rates than those with infractions. Drivers in Frederick with one accident will pay around $78 a month. Similarly, if you have one ticket on your record, you will be looking at an average rate of around $84.

Regardless of where you live, accidents, tickets, and other driving infractions can drive your monthly bill way up. Remember, the safer you are as a driver, the cheaper your car insurance will be.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$74
2-3 Years$88
4-5 Years$87
6-7 Years$69
8-10 Years$65
11-14 Years$63
15 Years or Older$60

According to the first table above, trucks and vans are by and large the cheapest vehicles to insure in Frederick, with drivers paying around $60 per month for insurance coverage.

Car owners can expect to pay an average of around $67 a month for their policy, while SUVs usually cost around $71 a month to insure.

In addition to vehicle type, you can also expect to see slightly different rates based on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. However, once your car is a few years old, you may start to see your monthly premium decrease. In Frederick, the most expensive vehicles to insure are vehicles four-to-five years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$72
Married$59
Divorced$52
Widowed$43

Generally, car insurance is slightly cheaper for married policyholders. This can usually be attributed to their policies having multiple vehicles, a factor many companies extend special discounts for.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Frederick is no exception, with the difference totaling to around $13 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$61
Rent$70
Live with parents$72

Another factor that comes into play is your housing situation. Renters can expect to pay around $9 a month more than drivers who own property in Frederick. But those who live at home with their parents can expect to pay significantly more.

Many companies, however, will offer you a discount to bundle your home or rental insurance with your auto insurance policy, which can help reduce your car insurance premiums.

Car Insurance Companies in Frederick, MD

Recent trends in car insurance for Frederick drivers

Given that average rates are often changing, it's a smart move to know the direction your area is trending before picking an insurance policy.

The cost of insurance in Frederick rose from 2016-2017, before steadying out in 2018. They had been increasing again, hitting a high of $89 in 2020, and finished down at $70 in 2021.

How does Frederick compare to neighboring areas?

Why are car insurance rates in Frederick different from other areas?

When considering how much to charge for a monthly rate, car insurance companies will consider a lot of factors. While we've discussed the ones that affect your personal policy, others are based around your home address. These include things like:

  • Area laws
  • Availability of off-street parking
  • Total number of drivers in the area
  • Local crime rates
  • Road Safety (frequency of car accidents)

While you won't have the ability to change these factors yourself, they can be handy to keep in mind when seeking a new policy or considering a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Frederick?

Equipping yourself with information about the average costs for drivers in your area will better prepare you for the real deal. The only way to know for sure what your rate will be is by asking for a quote from car insurance companies.

But wait! Compare.com does all of that work for you. Just punch in your ZIP below, answer a few questions about you and your car, and you'll be comparing the cheapest quotes from a bulk of the car insurance companies that offer auto coverage in Frederick.

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Frederick Insurance FAQs

What factors affect car insurance quotes in Frederick?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Frederick different from other neighboring cities?

Crime rates, local laws, and parking situations -- all of which can change from city to city -- play a large role in the rates that car insurance companies may charge for coverage.

Which car insurance company will offer me the cheapest rate in Frederick?

There isn't one company that can guarantee the cheapest rate to everybody, since the rates they charge for coverage are calculated based off of factors that can vary from person to person, such as vehicle make and model, driving record, and number of drivers on the policy. By using sites like Compare.com to compare multiple quotes simultaneously, you can rest assured that you're getting the best price available.

Do I need to change my insurance if I move to Frederick?

Any major life event, whether it be moving to a new area, finding a new job, getting married, or any other notable event always presents a good opportunity to re-evaluate your current insurance policy. Regardless of your previous rate, there may be cheaper options in your new location, so it's a good idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No, you can switch companies at any point, no matter how much time is left on your current policy. If you're thinking about moving to Frederick or are wondering if you're paying the best rate for your current area, take 10 minutes and visit Compare.com to find out for sure.

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