Cheapest Car Insurance Quotes in Frostburg

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Frostburg Car Insurance

^$ 40

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Frostburg

The car insurance rate in Frostburg is $813 for a six-month policy, which is $203 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $594, making it a popular choice for budget-conscious drivers. Rates in Frostburg can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Frostburg

$813

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Frostburg

1st place: Kemper

At $594 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $642 for a six-month policy, making it one of the cheapest to insure with.

3rd place: State Farm

State Farm offers auto insurance rates at $656 for six months, making it the third cheapest auto insurance company in Frostburg.

Frostburg Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Frostburg, MD is Kemper, offering policies at just $594 for a six-month term. This is followed by USAA, which has an average six-month premium of $642.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1521 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Frostburg drivers find the best deals.

Cheap Car Insurance Companies in Frostburg, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$594	$101
USAA	$642	$108
State Farm	$656	$110
Travelers	$656	$110
Nationwide	$760	$128
Erie	$784	$132
Progressive	$894	$150
Allstate	$1521	$256

Key Takeaways

Way's key takeaways about car insurance in Frostburg

The auto insurance costs in Frostburg fall around $594 for six months.
The cheapest auto insurance company in Frostburg is USAA.
Teen drivers pay the highest rate in Frostburg at $1068 per month.

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Cheapest Minimum Liability Car Insurance in Frostburg

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Frostburg are given below.

USAA provides the cheapest minimum car insurance coverage in Frostburg. Their Average 6 Month Premium is $238. Allstate is the most expensive at $832 for the same period.

Cheapest Liability Coverage in Frostburg, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$238	$40
Travelers	$328	$55
State Farm	$333	$56
Kemper	$338	$56
Erie	$352	$59
Progressive	$414	$70
Nationwide	$428	$72
Allstate	$832	$140

Cheapest Full Coverage Car Insurance in Frostburg

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Frostburg is Kemper at $101 per month and $594 for six months.

Cheapest Full Coverage Car Insurance Quotes in Frostburg, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$594	$101
USAA	$642	$108
State Farm	$656	$110
Travelers	$656	$110
Nationwide	$760	$128
Erie	$784	$132
Progressive	$894	$150
Allstate	$1521	$256

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Average Car Insurance in Frostburg by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Frostburg, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Frostburg, Maryland, may be increasing due to several external factors. Maryland has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Frostburg's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Frostburg

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Travelers	$548
30s	Travelers	$467
40s	Travelers	$426
50s	Travelers	$402
60s	Travelers	$451
70s	USAA	$477

Cheapest Car Insurance Rates for Teen Drivers in Frostburg,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Frostburg at $61 per month. At $6344 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$357	$61
Erie	$926	$156
Travelers	$1083	$182
USAA	$1159	$195
State Farm	$1573	$265
Progressive	$2001	$337
Nationwide	$3003	$506
Allstate	$6344	$1068

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Frostburg.

As young drivers face the highest rates in Frostburg, Travelers offers the cheapest auto insurance rates at $548 for six months.

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Frostburg, USAA is the cheapest car insurance provider. At $751 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Frostburg is State Farm, offering rates of around $2842 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$751	$125
Progressive	$774	$130
Nationwide	$984	$166
Travelers	$1387	$236
Erie	$1630	$272
Allstate	$2219	$378
State Farm	$2842	$474

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Car Insurance Rates with An Accident in Frostburg

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Frostburg, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Frostburg

The cheapest car insurance companies after an at-fault accident in Frostburg include Erie and USAA, offering $590 and $670, respectively. Encompass is an expensive provider with an average six-month premium of $527.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$590	$99
USAA	$670	$113
Travelers	$679	$114
State Farm	$732	$123
Progressive	$889	$150
Nationwide	$1235	$208
Allstate	$2775	$467
Encompass	$527	$88

Frostburg Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Frostburg MD. For example, the car insurance in Frostburg after a DUI increases to $902 for a six month policy. While the rate increases by $209 for a six-month policy in the case of a speeding ticket.

Frostburg auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$960	$160
One Med/PIP claim	$993	$169
Not-at-fault accident	$1031	$172
One comp claim	$1036	$176
Two Med/PIP claims	$1055	$176
Failure to wear a seat belt	$1088	$185
Failure to show documents	$1117	$186
Child safety restraint	$1126	$191
Two comp claims	$1126	$188
Driving with expired registration	$1154	$196
Cell phone violation	$1169	$195
Driving too slowly	$1169	$198
Failure to stop at a red light	$1169	$195
Failure to yield	$1169	$198
Following too closely	$1169	$195
Illegal turn	$1169	$198
Improper passing	$1169	$195
Speeding 11 - 15 MPH over limit	$1169	$198
Speeding 16 - 20 MPH over limit	$1169	$195
Speeding 6 - 10 MPH over limit	$1169	$198
Texting while driving	$1169	$195
Wrong way/wrong lane	$1169	$198
Speeding in school zone	$1183	$198
At-fault accident - less than $1000	$1207	$206
Passing school bus	$1212	$202
Driving without lights	$1217	$207
Open container	$1222	$203
Operating a vehicle without permission	$1235	$210
Speeding 21 - 25 MPH over limit	$1278	$213
In 65 MPH zone	$1397	$238
At-fault accident - $1000-$2000	$1440	$240
At-fault accident - greater than $2000	$1440	$245
Reckless driving	$1644	$274
Racing	$1768	$301
Driving with a suspended license	$1796	$299
Refusal to submit to a chemical test	$1854	$315
DUI	$1862	$310
Leaving scene of an accident/hit and run	$1877	$319

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Frostburg after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Frostburg.

The cheapest car insurance premiums in Frostburg are offered by Erie at $504 for a six-month policy. However, it can be as expensive as $2072 with companies like Nationwide.

Frostburg car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$504	$85
Travelers	$737	$124
Progressive	$960	$162
USAA	$1107	$186
State Farm	$1440	$242
Allstate	$1587	$267
Nationwide	$2072	$349

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Frostburg are offered by State Farm at $451. However, it can be as expensive as $1939 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Frostburg after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$451	$76
USAA	$514	$87
Erie	$598	$101
Progressive	$694	$117
Travelers	$950	$158
Nationwide	$1350	$230
Allstate	$1939	$323

Car Insurance Price Trends in Frostburg, Maryland

Car insurance rates in Frostburg have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Frostburg remained steady at $170 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Frostburg remained steady at $62 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Frostburg?

The car insurance in Frostburg is $40 per month, which is lower than the national average.

What is the cheapest car insurance in Frostburg?

The cheapest car insurance in Frostburg is $101 per month for full coverage.

How much is car insurance in Frostburg for teenagers?

Car insurance for teenagers costs $357 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Frostburg?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $137 per month to insure your car in Frostburg.

Is car insurance expensive in Frostburg?

Car insurance can be expensive in Frostburg if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Frostburg can be affordable.

Cheapest Car Insurance Quotes in Frostburg

Why you can trust Way?

How Much Is Car Insurance in Frostburg

Avg. Car Insurance in Frostburg

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Frostburg

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Frostburg Car Insurance Rates by Company

Cheap Car Insurance Companies in Frostburg, MD

Way's key takeaways about car insurance in Frostburg

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Frostburg

Cheapest Liability Coverage in Frostburg, MD

Cheapest Full Coverage Car Insurance in Frostburg

Cheapest Full Coverage Car Insurance Quotes in Frostburg, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Frostburg by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Frostburg, MD increasing?

Car Insurance Premiums by Age in Frostburg

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Frostburg,MD

If you are in your twenties Travelers is the best choice for car insurance in Frostburg.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Frostburg

Cheapest Car Insurance Companies after an At-Fault Accident in Frostburg

Frostburg Car Insurance Rates by Violation

Frostburg auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Frostburg after a DUI

Frostburg car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Frostburg after Speeding ticket

Car Insurance Price Trends in Frostburg, Maryland

Average Car Insurance Cost in Frostburg by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Frostburg, MD

Car Insurance Rates by State in the USA (2025 Update)

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