Car Insurance Rates in Frederick, MD – Cheapest Vehicles Ranked

• Frederick car insurance cost averages $1,504 per year, or around $125 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 $379 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 ($1,338 per year), Acura RDX ($1,258 per year), Hyundai Ioniq 6 ($1,380 per year), and Honda Passport ($1,198 per year).

How much does car insurance cost in Frederick, MD?

In Frederick, the average car insurance cost is $1,504 per year, which is 22.4% less than the U.S. average rate of $1,883. Per month, Frederick car insurance costs around $125 for a policy with full coverage.

In the state of Maryland, average car insurance cost is $1,786 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, $232 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 $1,054 per year for a 60-year-old driver with $1,000 comprehensive and collision coverage deductibles to $3,520 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 $1,504 per year.

As a monthly amount, average car insurance cost in Frederick ranges from $88 to $293 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 – $5,363 per year or $447 per month
• 17-year-old driver – $5,194 per year or $433 per month
• 18-year-old driver – $4,656 per year or $388 per month
• 19-year-old driver – $4,241 per year or $353 per month
• 20-year-old driver – $3,026 per year or $252 per month
• 30-year-old driver – $1,608 per year or $134 per month
• 40-year-old driver – $1,504 per year or $125 per month
• 50-year-old driver – $1,336 per year or $111 per month
• 60-year-old driver – $1,248 per year or $104 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 $1,418 less each year than a 20-year-old driver, $1,608 versus $3,026.
• Frederick, Maryland, average car insurance cost is less than the U.S. average – $1,504 (Frederick average) versus $1,883 (U.S. average)
• Insuring teens can be very expensive – Cost ranges from $3,584 to $5,363 per year for teen driver car insurance in Frederick, Maryland.
• Frederick auto insurance rates are cheaper than the Maryland state average – $1,504 (Frederick average) compared to $1,786 (Maryland average)
• Low deductibles cost more than high deductibles – A 50-year-old driver pays an average of $626 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 $1,222 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, Volkswagen Taos, 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 $1,290 or less per year, or $108 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 Hyundai Ioniq 6 at $1,380 per year for a full coverage policy to the Tesla Model 3 costing $1,766 per year, a difference of $386 within that segment.

In the sports car segment, rates range from the Mazda MX-5 Miata costing $1,392 per year up to the Mercedes-Benz SL 63 at $3,094 per year, a difference of $1,702 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 $1,306 per year. Second place is the Nissan Leaf at $1,320 per year, the third most affordable is the Honda Civic, costing an average of $1,332 per year, and coming in fourth is the Nissan Sentra, costing an average of $1,380 per year.

Not the cheapest, but still very affordable, are cars like the Toyota Prius, Kia K5, Hyundai Ioniq 6, and Honda Accord, with average cost of $1,462 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 $1,462 and $1,556 per year for insurance in Frederick.

Auto insurance in this segment for a good driver can cost as low as $109 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 $1,306 per year ($109 per month) and ending with the Mazda 3 at $1,556 per year ($130 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 $1,198 or less per year, or around $100 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 $1,232 per year or less.

Full-coverage auto insurance in Frederick for this segment starts at around $93 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 $1,110 per year ($93 per month) and ending with the Honda HR-V at $1,312 per year ($109 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 $1,460 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 $1,550 per year or less.

From a monthly standpoint, full-coverage insurance in this segment for the average driver starts at an average of $107 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 $1,286 per year and ending with the Ram Truck at $1,740 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 $1,392 per year, Toyota GR86 at $1,586 per year, Ford Mustang at $1,654 per year, and BMW Z4 at $1,664 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 $1,800 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 $1,800 and $2,552 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 $116 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 $116 per month and ending with the Porsche Taycan at $213 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 $1,338 per year, BMW 330i at $1,532 per year, Mercedes-Benz CLA250 at $1,548 per year, and Lexus IS 300 at $1,550 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 $1,582 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 $1,582 and $1,688 per year for auto insurance in Frederick.

Auto insurance in Frederick for this segment starts at around $112 per month, depending on the company and where you live.

The cheapest compact luxury car to insure in Frederick is the Acura Integra at $1,338 per year. For midsize 2024 models, the Mercedes-Benz CLA250 is the cheapest model to insure at $1,548 per year. And for full-size models, the Audi A5 has the cheapest car insurance rates at $1,782 per year.

The rate comparison table below ranks the cars with the lowest-cost insurance rates in Frederick, starting with the Acura Integra at $1,338 per year ($112 per month) and ending with the Audi S3 at $1,688 per year ($141 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 $1,258 per year, the Lexus NX 250 at $1,330 per year, and the Cadillac XT4 at $1,358 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 $1,450 per year or less.

Full-coverage car insurance in this segment starts at an average of $105 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 $1,258 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,406 per year. And for large luxury SUVs, the Infiniti QX80 has the cheapest car insurance rates at $1,688 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 $105 per month and ending with the Lexus NX 350 at $126 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 $1,664 per year ($139 per month) and varies from $1,380 to $3,868 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 $1,380 per year, or around $115 per month, and varies from $1,148 to $3,136 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 $1,368 per year, or about $114 per month, and varies from $1,140 to $3,132.

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 $1,454 per year (about $121 per month) and ranges from $1,208 to $3,344 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 $236 per year over a decent credit rating of 670-739. Conversely, a subpar credit rating could cost as much as $274 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 $728 per year for a 30-year-old driver and as much as $458 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 $254 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 $742 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 $45 and $146 on your auto insurance cost.