Car Insurance Rates in Frederick, MD – Cheapest Vehicles Ranked

• Frederick car insurance cost averages $2,070 per year, or around $173 per month for a full coverage policy.
• Frederick car insurance costs an average of $282 per year less than the Maryland state average cost and $151 per year less than the United States national average.
• Crossover vehicles like the Subaru Crosstrek, Hyundai Venue, and Chevrolet Trailblazer are our top picks for having cheap car insurance in Frederick.
• Models with the cheapest car insurance in their segment include the Acura Integra ($1,842 per year), Acura RDX ($1,734 per year), Kia K5 ($1,994 per year), and Honda Passport ($1,650 per year).

How much does car insurance cost in Frederick, MD?

In Frederick, the average car insurance cost is $2,070 per year, which is 7% less than the U.S. average rate of $2,221. Per month, Frederick car insurance costs around $173 for a policy with full coverage.

In the state of Maryland, average car insurance cost is $2,352 per year, so the cost in Frederick averages $282 less per year. When compared to other cities in Maryland, the cost to insure a car in Frederick is about $830 per year cheaper than in Baltimore, $230 per year cheaper than in Gaithersburg, and $238 per year less than in Rockville.

The chart below shows average Frederick, MD, auto insurance cost for all 2024 models. Rates are averaged for all Frederick Zip Codes and shown for both different driver ages and physical damage coverage deductibles.

Average rates in the chart above range from $1,454 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $4,848 per year for a 20-year-old driver with $250 deductibles. The rate we use for comparing different vehicles or locations is a 40-year-old driver with $500 policy deductibles, which is an average cost of $2,070 per year.

As a monthly amount, average car insurance cost in Frederick ranges from $121 to $404 for the same driver ages shown in the chart.

Frederick auto insurance rates are different for every driver and small changes in driver risk profiles can have consequential effects on car insurance cost. Since the chances of having many different rates is high, this reinforces the need to get multiple car insurance quotes when looking for the cheapest auto insurance.

The age of the rated driver significantly impacts the price of car insurance. The list below details how driver age influences cost by breaking out average car insurance rates in Frederick for driver ages 16 through 60.

Frederick car insurance cost by driver age

• 16-year-old driver – $7,378 per year or $615 per month
• 17-year-old driver – $7,150 per year or $596 per month
• 18-year-old driver – $6,408 per year or $534 per month
• 19-year-old driver – $5,834 per year or $486 per month
• 20-year-old driver – $4,170 per year or $348 per month
• 30-year-old driver – $2,212 per year or $184 per month
• 40-year-old driver – $2,070 per year or $173 per month
• 50-year-old driver – $1,838 per year or $153 per month
• 60-year-old driver – $1,718 per year or $143 per month

The models that sell well in Frederick tend to be compact and midsize sedans like the Volkswagen Jetta, Hyundai Elantra, and Toyota Camry and compact or midsize SUVs like the Chevy Equinox, Nissan Rogue, and Chevy Traverse.

A few additional popular models from other segments include luxury models like the Acura ILX, Cadillac XT5, and Acura MDX and sports cars like the Porsche 911, Chevy Corvette, and Ford Mustang.

We explore car insurance rates for many more models in a little bit, but before we get into those numbers, let’s rehash some of the key ideas that were discussed up to this point.

• Car insurance rates decrease significantly between ages 20 and 30 – The average 30-year-old Frederick driver will pay $1,958 less each year than a 20-year-old driver, $2,212 versus $4,170.
• Frederick, Maryland, average car insurance cost is less than the U.S. average – $2,070 (Frederick average) versus $2,221 (U.S. average)
• Insuring teens can be very expensive – Cost ranges from $4,935 to $7,378 per year for teen driver car insurance in Frederick, Maryland.
• Frederick auto insurance rates are cheaper than the Maryland state average – $2,070 (Frederick average) compared to $2,352 (Maryland average)
• Low deductibles cost more than high deductibles – A 50-year-old driver pays an average of $860 more per year for $250 deductibles versus $1,000 deductibles.

Which cars, pickups and SUVs have the cheapest rates?

The models with the most affordable car insurance prices in Frederick, MD, tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, Toyota Corolla Cross, and Nissan Kicks.

Average car insurance rates for those compact SUVs cost $1,684 or less per year for a full coverage policy.

Examples of other vehicles that have low-cost car insurance quotes in our auto insurance cost comparison are the Nissan Murano, Kia Niro, Ford Bronco Sport, and Acura RDX. Insurance rates are slightly more for those models than the crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $1,804 or less per year, or $150 per month.

The table below breaks down the 25 car, truck, and SUV models with the cheapest auto insurance in Frederick, ordered by annual cost.

A list of 25 ranked vehicles serves the purpose if you just want the absolute lowest rates. A better way to rank rates for more vehicles in an organized fashion is by breaking them out by vehicle segment.

The section below showcases the average cost of auto insurance for each vehicle segment. The rates shown will give you a better idea of which types of vehicles have the cheapest car insurance rates in Frederick. Then the six sections following the chart rank the vehicles with the cheapest insurance rates in the most popular automotive segments.

Car insurance rates by automotive segment

If a different vehicle is in your future, it’s advantageous to know which types of vehicles have better auto insurance rates. For instance, some common questions are if SUVs have more affordable insurance than minivans or if regular SUVs cost less to insure than luxury SUVs.

The chart below shows the average cost of auto insurance rates in Frederick for different vehicle segments. As a general rule, compact SUVs and midsize pickup trucks tend to have the least expensive rates, with exotic performance models having the most expensive overall auto insurance rates.

Average auto insurance rates by segment can be used to make an overall comparison, but insurance rates for specific models range quite a lot within each segment listed above.

For example, in the midsize car segment, Frederick insurance rates range from the Kia K5 at $1,994 per year for a full coverage policy to the Tesla Model 3 costing $2,432 per year, a difference of $438 within that segment.

In the sports car segment, rates range from the Mazda MX-5 Miata costing $1,916 per year up to the Mercedes-Benz SL 63 at $4,256 per year, a difference of $2,340 within that segment.

In the next sections of the article, we will remove much of this variability by analyzing the cost of auto insurance in Frederick for specific vehicles.

Cheapest cars to insure in Frederick

The top-ranked model in Frederick for the most affordable average insurance rates in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, with an average cost of $1,802 per year. Second place is the Nissan Leaf at $1,814 per year, the third most affordable is the Honda Civic, costing an average of $1,834 per year, and coming in fourth is the Nissan Sentra, costing an average of $1,898 per year.

Not the cheapest, but still very affordable, are cars like the Kia K5, Honda Accord, Toyota Prius, and Chevrolet Malibu, with average cost of $2,018 per year or less.

Additional 2024 models that make the list include the Mazda 3, Toyota Crown, Hyundai Sonata, and Mitsubishi Mirage G4, which cost between $2,018 and $2,142 per year for insurance in Frederick.

Auto insurance in this segment for a good driver can cost as low as $150 per month, depending on your company and location.

The next table ranks the twenty cars with the cheapest car insurance in Frederick, starting with the Toyota GR Corolla at $1,802 per year ($150 per month) and ending with the Mazda 3 at $2,142 per year ($179 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Maryland.

Cheapest SUV insurance rates in Frederick, Maryland

Ranking at the top for the most affordable Frederick car insurance rates in the non-luxury SUV segment are the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, Honda Passport, and Subaru Crosstrek. Insurance rates for these vehicles average $1,650 or less per year, or around $138 per month.

Additional SUVs that have affordable average insurance rates include the Toyota Corolla Cross, Ford Bronco Sport, Hyundai Venue, and Mazda CX-5, with average cost of $1,696 per year or less.

Full-coverage auto insurance in Frederick for this segment starts at around $128 per month, depending on the company and your location.

The table below ranks the twenty SUVs with the cheapest insurance rates in Frederick, starting with the Subaru Crosstrek at $1,532 per year ($128 per month) and ending with the Subaru Ascent at $1,802 per year ($150 per month).

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the table above? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Maryland.

Cheapest pickups to insure in Frederick, Maryland

Ranking in the top five for the cheapest Frederick auto insurance rates in the pickup truck segment are the Nissan Titan, Chevrolet Colorado, Ford Ranger, Ford Maverick, and Nissan Frontier. Car insurance quotes for these models average $2,012 or less per year.

Other models that rank well in our comparison include the Hyundai Santa Cruz, Toyota Tacoma, GMC Canyon, and Honda Ridgeline, with an average cost to insure of $2,130 per year or less.

From a monthly standpoint, full-coverage insurance in this segment for the average driver starts at an average of $152 per month, depending on the company and where you live. The table below ranks the pickups with the cheapest car insurance rates in Frederick, starting with the Chevrolet Colorado at $1,826 per year and ending with the Ram Truck at $2,396 per year.

See our guides for midsize pickup insurance and large pickup insurance to view any trucks not shown in the table.

Is your pickup truck not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free Frederick car insurance quotes from top companies in Maryland.

Cheapest sports car insurance rates in Frederick

The four top-ranked sports cars with the most affordable average auto insurance rates in Frederick are the Mazda MX-5 Miata at $1,916 per year, Toyota GR86 at $2,182 per year, Ford Mustang at $2,280 per year, and BMW Z4 at $2,290 per year.

Some other sports cars that rank well include the Nissan Z, Subaru BRZ, Lexus RC F, and BMW M2, with an average car insurance cost of $2,478 per year or less.

Additional vehicles that made the list include the Chevrolet Corvette, BMW M4, Jaguar F-Type, BMW M3, and Porsche 718, which cost between $2,478 and $3,510 per year for full-coverage insurance.

From a cost per month standpoint, full-coverage car insurance in this segment for a good driver can cost as low as $160 per month, depending on the company.

The table below ranks the sports cars with the most affordable insurance in Frederick, starting with the Mazda MX-5 Miata at $160 per month and ending with the Porsche Taycan at $293 per month.

Looking for rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in Maryland.

Cheapest luxury cars to insure in Frederick

The four lowest-cost luxury car models to insure in Frederick are the Acura Integra at $1,842 per year, BMW 330i at $2,108 per year, Mercedes-Benz CLA250 at $2,130 per year, and Lexus IS 300 at $2,136 per year.

Additional luxury cars that have cheaper rates are the Genesis G70, Cadillac CT4, Lexus RC 300, and Lexus ES 350, with average annual insurance rates of $2,176 per year or less.

Some additional luxury cars on the list include the Lexus RC 350, Audi S3, Jaguar XF, Lexus ES 250, and BMW 330e, which cost between $2,176 and $2,322 per year for auto insurance in Frederick.

Auto insurance in Frederick for this segment starts at around $154 per month, depending on the company and where you live.

The cheapest compact luxury car to insure in Frederick is the Acura Integra at $1,842 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $2,130 per year. And for full-size models, the Audi A5 has the cheapest car insurance rates at $2,462 per year.

The rate comparison table below ranks the cars with the lowest-cost insurance rates in Frederick, starting with the Acura Integra at $1,842 per year ($154 per month) and ending with the Audi S3 at $2,322 per year ($194 per month).

See our guide for luxury car insurance to compare rates for all makes and models.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Frederick car insurance quotes from top companies in Maryland.

Cheapest luxury SUV insurance rates in Frederick

The lowest-cost luxury SUVs to insure in Frederick are the Acura RDX at $1,734 per year, the Lexus NX 250 at $1,836 per year, and the Cadillac XT4 at $1,870 per year.

Other luxury SUVs that are affordable to insure are the Lexus NX 450h, Mercedes-Benz GLB 250, Lexus UX 250h, and Lexus NX 350h, with an average cost of $1,998 per year or less.

Full-coverage car insurance in this segment starts at an average of $145 per month, depending on where you live.

When the luxury SUV segment is analyzed by vehicle size, the cheapest compact luxury SUV to insure in Frederick is the Acura RDX at $1,734 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,938 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $2,322 per year.

The table below ranks the twenty SUVs with the most affordable average auto insurance rates in Frederick, starting with the Acura RDX at $145 per month and ending with the Lexus RX 350 at $173 per month.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different model? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Maryland.

Variability in Frederick auto insurance prices

To try to clarify the extent to which auto insurance premiums can vary for different applicants (and also point out the importance of getting multiple quotes), the sections below show comprehensive rates for four popular models in Frederick: the Chevrolet Silverado, Nissan Sentra, Toyota Highlander, and Honda Accord.

Each chart shows average rates for different driver profiles to show the potential rate difference with only small changes to the policy rating factors.

Chevrolet Silverado insurance rates

Car insurance for a Chevrolet Silverado in Frederick averages $2,292 per year ($191 per month) and varies from $1,900 to $5,318 annually.

The Chevrolet Silverado is considered a full-size truck, and additional models from the same segment that are popular in Frederick, Maryland, include the Ram Truck, GMC Sierra, Nissan Titan, and Toyota Tundra.

Nissan Sentra insurance rates

In Frederick, Nissan Sentra insurance costs an average of $1,898 per year, or around $158 per month, and varies from $1,578 to $4,314 per year.

The Nissan Sentra is considered a compact car, and other models from that segment that are popular in Frederick, MD, include the Toyota Corolla, Chevrolet Cruze, Hyundai Elantra, and Volkswagen Jetta.

Toyota Highlander insurance rates

Auto insurance for a Toyota Highlander in Frederick costs an average of $1,884 per year, or about $157 per month, and varies from $1,568 to $4,308.

The Toyota Highlander is classified as a midsize SUV, and other similar models include the Ford Edge, Kia Telluride, Jeep Grand Cherokee, and Honda Pilot.

Honda Accord insurance rates

In Frederick, Honda Accord insurance costs an average of $2,002 per year (about $167 per month) and ranges from $1,662 to $4,602 per year.

The Honda Accord belongs to the midsize car segment, and additional models from the same segment that are popular in Frederick, Maryland, include the Kia K5, Chevrolet Malibu, Hyundai Sonata, and Toyota Camry.

Helpful tips to save on car insurance

Resourceful drivers in Frederick should always be looking to reduce the monthly expense for insurance So glance through the money-saving ideas below and it’s very likely you can save a little dough on your next policy.

• Shop around. Setting aside a few minutes every year or so to get a few free car insurance quotes is a smart way to save money. Rates change frequently and you can switch your coverage anytime.
• Clean up your credit to lower your rates. Having a high credit score of 800+ could save around $325 per year over a decent credit rating of 670-739. Conversely, a subpar credit rating could cost as much as $377 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Safe drivers have lower auto insurance rates. Having a few at-fault accidents can really raise rates, potentially by an additional $1,004 per year for a 30-year-old driver and as much as $628 per year for a 50-year-old driver. So drive safe and save!
• Qualify for discounts to save money. Discounted rates may be available if the insureds insure multiple vehicles on the same policy, are homeowners, are accident-free, insure their home and car with the same company, or many other discounts which could save the average Frederick driver as much as $346 per year on the cost of auto insurance
• Compare insurance cost before you buy the car. Different vehicles have very different car insurance rates, and car insurance companies can charge very different rates. Check rates before you buy a different car to prevent any surprises when you get your first insurance bill.
• Choose vehicles that have low cost car insurance. The vehicle you choose to drive is a primary factor in the cost of auto insurance. As an example, a Subaru Forester costs $1,024 less per year to insure in Frederick than a Chevrolet Corvette. Less performance equals cheaper auto insurance rates.
• Your employment could earn you discounts. The vast majority of car insurance providers offer discounts for being employed in professions like lawyers, emergency medical technicians, police officers and law enforcement, architects, firefighters, and others. By qualifying for an occupational discount, you could save between $62 and $202 on your auto insurance cost.