Frederick Car Insurance

Find the right car insurance policy for you.

Written by Meg Stefanac
Written by Meg Stefanac

Financial blogger and business owner, Meg Stefanac, has more than 15 years experience working in the financial services industry and enjoys helping individuals make solid financial decisions. Meg has extensive experience writing about insurance and finances and is a key contributor to


Even the most experienced drivers can cause accidents—particularly in the winter when snow and sleet can sometimes make driving in Frederick hazardous. That is why Maryland vehicle owners are required to have car insurance. From fender benders along the Golden Mile to multi-car collisions on I-70, a reliable auto insurance policy can shield you from large financial losses after an accident. Independent insurance agents in Frederick can make shopping for car insurance stress-free. These agents are able to provide you with a variety of car insurance quotes so you can be certain you are getting your policy at the best price.

How Much Does Auto Insurance Cost in Frederick, Maryland?

Maryland is the 11th most expensive state for car insurance. The average car insurance rate in this state is higher than the national average; but in Frederick, rates tend to be less expensive. 

  • National average annual car insurance cost: $1,311
  • Maryland average annual car insurance cost: $1,590
  • Frederick average annual car insurance cost: $1,277

Car insurance rates vary significantly from one driver to the next, so these averages can only give you a ballpark idea of what your actual costs might be. This is because rates are calculated according to several different factors, including:

  • The make, model, and year of the vehicle(s) you are insuring
  • Your age, driving record, and credit score 
  • Details about the other drivers in your household
  • Whether you own or rent your home
  • The and auto theft and accident rates in the vicinity of your home
  • Whether you are bundling your coverage with another policy like home insurance or renters insurance
  • Whether you qualify for any available discounts such as a good driver discount

Because every insurance company has a different method for calculating rates, comparing quotes can save you money. Independent agents in Frederick make comparison shopping easy.

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Maryland Car Insurance Requirements

  • Bodily injury liability: Required
  • Property damage liability: Required
  • Personal injury protection (PIP): Required
  • Uninsured motorist coverage: Required
  • Minimum liability limits: 30/60/15; coverage up to $60,000 for all persons injured in an accident, subject to a limit of $30,000 for one individual; and $15,000 coverage for property damage.

A basic car insurance policy that does no more than meet Maryland’s minimum coverage requirements may provide you with the coverage you need for most collisions. However, if you are responsible for a major accident that results in serious injuries, your liability costs can easily exceed what your policy will cover. In that case, you would be responsible for making up the difference. That is why many Frederick vehicle owners choose to purchase car insurance that has higher-than-required liability coverage. Some residents even opt to purchase umbrella insurance policies in order to boost their liability coverage even further. An independent agent can help you get the liability coverage you want at the most affordable price.

Number of Uninsured Motorists in Maryland

If you are caught driving an uninsured vehicle in Maryland, you can be penalized with hefty fines and fees, the revocation of your plates and registration, and even jail time. Despite this, more than one out of every ten drivers you are sharing the roads with in this state does not have car insurance.

  • How many US drivers are uninsured? 12.6%.
  • How many Maryland drivers are uninsured? 12.2%.

If you are in an accident that is caused by an uninsured driver, that person is responsible for covering any damage as well as any necessary medical treatment you may have. Unfortunately, it can be extremely difficult and time-consuming to collect this money, especially if the at-fault driver simply doesn’t have the funds to cover it. Uninsured motorist coverage eliminates this risk. Although uninsured motorist insurance is optional in many states, it is required in Maryland. This insurance covers damage and injuries if you are in a collision with an uninsured, under-insured, or hit-and-run driver. Your insurance company will then attempt to get reimbursement by suing the at-fault driver. 

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Number of Auto Thefts in Frederick, MD

The auto theft rate in Maryland is higher than the national average, but in Frederick, the risk is very low. This is not to say that it is nonexistent. Approximately 50 vehicles are stolen in this city in an average year.

  • National auto theft rate per 1,000 vehicles: 2.94
  • Maryland auto theft rate per 1,000 vehicles: 3.89
  • Frederick auto theft rate per 1,000 vehicles: 0.58

Comprehensive, or “other than collision,” insurance is necessary in order to be compensated for auto theft. This insurance is optional, but most lenders will require that you have it until your loan is paid in full. Chances are good that you will not experience an auto theft in this city, but that does not mean that you should forgo comprehensive insurance. This coverage also provides compensation for other non-collision damage such as that caused by falling objects, floods, and fires. Talk to your local agent to learn more.

Why Work with an Independent Insurance Agent?

As a vehicle owner in Frederick, you can turn to a local independent agent for assistance when you are searching for the best car insurance. These agents are free to work with several different insurance companies to help you find a reliable and affordable policy.

Find an agent with an office in Frederick to learn more. You can start comparing customized, competitively priced auto insurance quotes in no time.

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