For a 40-year-old driver with a clean record, Frederick car insurance averages about $162 a month ($1,941 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 18% below the Maryland average of $197 a month. GEICO has the lowest full-coverage average in Frederick among insurers open to all drivers, at about $117 a month.
Frederick drivers pay well under the Maryland average for car insurance. Our benchmark driver pays about $35 a month less here than the state average, and about $111 a month less than in Baltimore.
Our data covers all four Frederick ZIP codes, 21701 through 21704, and they’re priced within about $5 a month of each other.
Cost data comes from the auto rates insurers file with state regulators, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Frederick averages $1,941 a year, or about $162 a month, for our benchmark driver. Minimum liability at 20/40/15 limits averages $854 a year ($71 a month), and 50/100/50 liability with comprehensive and collision averages $1,921 ($160 a month).
GEICO’s Frederick average is 15% below Erie’s. Travelers and Nationwide aren’t in the Quadrant rate data we analyze. Every published 2026 Maryland rate study we reviewed ranks GEICO cheapest statewide, with Travelers or Nationwide often next; our Frederick estimates are about $138 a month for Travelers and $129 for Nationwide. For minimum liability, GEICO has the lowest average among the insurers we rank, at about $38 a month, followed by Erie at $50.
Full-coverage averages by insurer in Frederick
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $343 | $29 | $1,256 | $105 |
| GEICO | $461 | $38 | $1,401 | $117 |
| Erie | $605 | $50 | $1,643 | $137 |
| State Farm | $742 | $62 | $1,771 | $148 |
| Progressive | $1,221 | $102 | $1,915 | $160 |
| Allstate | $1,750 | $146 | $3,659 | $305 |
| Nationwide* | $976 | $81 | $1,549 | $129 |
| Travelers* | $750 | $63 | $1,653 | $138 |
| Frederick average | $854 | $71 | $1,941 | $162 |
These prices are for Frederick ZIP codes only. See how we calculated these rates.
Across the four Frederick ZIP codes we price, full coverage for our driver ranges from about $159 a month in 21703 to $164 in 21704, a gap of $56 a year.
Lowest-priced Frederick ZIP codes
Highest-priced Frederick ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Frederick’s average.
| ZIP Code: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 21701 | $858 | $72 | $1,952 | $163 | +1% |
| 21702 | $853 | $71 | $1,930 | $161 | -1% |
| 21703 | $845 | $70 | $1,913 | $159 | -2% |
| 21704 | $859 | $72 | $1,969 | $164 | +1% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $20 a year in our Frederick data, with the same $500 deductibles. That’s under $2 a month for three times the injury protection per crash and double the property damage limit.
Not for our benchmark driver. Comparing the same insurers in the same Frederick ZIP codes, full coverage averaged $1,731 a year in rates as of Nov. 30, 2025 and $1,597 as of Aug. 31, 2026, a 7.7% drop. Erie, Progressive and State Farm each cut their Frederick averages by more than 10%, while GEICO’s held steady, so the gap between GEICO and the rest of the field narrowed. Allstate isn’t part of that comparison because it joined our Maryland data in 2026.
Frederick’s prices match Frederick County’s, which averages $1,932 a year for full coverage in our data, a little below the middle of Maryland’s 24 jurisdictions. That’s about $25 a month less than Montgomery County, its neighbor to the south.
The biggest decision is which insurer you pick. GEICO’s Frederick average is about $188 a month below Allstate’s, while the four ZIP codes are only about $5 a month apart.
More Maryland cities and towns are in the Maryland rates by city table, and you can compare states on our car insurance rates by state page.
Hagerstown, about 25 miles northwest, averages about $159 a month in our data, a few dollars below Frederick. Mount Airy and Middletown are also close to Frederick’s price.
Drivers in Frederick follow Maryland’s rules. To register and drive a car, your policy must include at least:
That’s often written as 30/60/15. You can waive PIP in writing for a lower premium, but you’d give up no-fault coverage for your own medical bills and lost wages. Our Maryland requirements guide covers the details, including the penalties for letting your coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Maryland Insurance Administration and the Maryland MVA. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Frederick averages about $162 a month ($1,941 a year) and minimum liability about $71 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 18% below the Maryland average of $197 a month.
GEICO has the lowest full-coverage average among insurers open to all drivers in our Frederick rate data, at about $117 a month, followed by Erie at $137. USAA is lower at about $105 a month, but only for military members, veterans and their families. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes. In our data, Frederick full coverage averages about $162 a month, compared with about $186 for Montgomery County as a whole and $182 in Germantown.
In our data, 21703 has the lowest full-coverage average in Frederick, at about $159 a month, and 21704 the highest, at about $164. The ZIP code table on this page lists all four.
In our Frederick data, full coverage (100/300/100 with $500 deductibles) averages about $162 a month and minimum liability at 20/40/15 limits about $71, a difference of about $91 a month ($1,087 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Frederick full coverage fell 7.7% between November 2025 and August 2026, from about $1,731 to $1,597 a year.
