the cost of a minimumcoverage auto insurance policy in frederick md is about 11 more expensive than the national average our guides auto team can give you recommendations for the best car insurance companies we’ve researched in this article we’ll cover the cheapest companies offering the best coverage for different driving profiles in frederick   none minimum coverage is the cheapest type of car insurance in frederick md   none good drivers can find minimum coverage as low as 31 per month or full coverage as low as 81 per month in the city   none geico offers the cheapest minimumcoverage policies on average and geico is often the most affordable option for full coverage your own car insurance premium rates from these companies can vary significantly from what you see above because car insurance companies use multiple factors of a driver’s profile when setting their rates from their age to their credit score to their driving history the rates above can give you an idea of what you’d pay but they’re based on the profile of a 35yearold driver with good credit and a clean driving record we recommend comparing car insurance quotes to get the most accurate prediction of what you’d pay liability coverage is one of the types of insurance required by the state of maryland according to maryland law all auto policyholders must either meet or exceed the following minimum requirements the cost of fullcoverage car insurance is always higher but offers better protection for your car’s repairs and any bodily injuries you or your passengers get after a car accident geico is the cheapest fullcoverage option with average rates of 90 per month or 1079 per year auto insurers look at many parts of a driver’s profile when determining their premium cost the tables below show the differences in cost for various driving profiles in frederickmd from different ages to zip codes to accident histories and specific traffic violations teenagers are more likely to behave unsafely when behind the wheel which makes them more likely to get into an auto accident for this reason car insurance companies tend to offer incredibly high premiums rates for drivers in their teens our data shows that 16yearolds pay about 213 per month or 2552 per year for car insurance in frederick the cost of car insurance goes down as a driver gets older and falls into middle age and then raises again when a driver gets closer to 60 and over here are some general averages for minimumcoverage car insurance expenses in frederick for different age groups in most states auto insurance providers are allowed to use credit scores to set a drivers’ premium rates while there are specific guidelines and limitations on how car insurance companies in maryland can use a driver’s credit to set a rate policyholders with low credit scores are still typically charged higher premiums those with good credit scores often pay less for drivers with bad credit in frederick geico is the best company to find cheaper rates with the company offers minimumcoverage policies with premium averages of 40 per month or 478 per year this is 47 less than the overall state average for minimum coverage for good credit insurance companies tend to charge higher rates for drivers who have committed several traffic violations this can include getting multiple speeding tickets or driving under the influence dui drivers that have been found at fault for any car accidents in the last few years can also see their rates rise on average speeding can increase your rates by 24 an atfault accident by 58 and a dui by 69 however each company offers different prices for each of these types of drivers generally geico offers the most affordable prices for drivers that have less clean driving histories the table below shows average rates by company for drivers who have either a speeding ticket accident or dui on their record