Cheapest Car Insurance Quotes in Prince Frederick

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Prince Frederick Car Insurance

^$ 47

/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 Prince Frederick

The car insurance rate in Prince Frederick is $955 for a six-month policy, which is $61 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $698, making it a popular choice for budget-conscious drivers. Rates in Prince Frederick 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 Prince Frederick

$955

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Prince Frederick

1st place: Kemper

At $698 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $754 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 $771 for six months, making it the third cheapest auto insurance company in Prince Frederick.

Prince Frederick Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Prince Frederick, MD is Kemper, offering policies at just $698 for a six-month term. This is followed by USAA, which has an average six-month premium of $754.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1787 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Prince Frederick drivers find the best deals.

Cheap Car Insurance Companies in Prince Frederick, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$698	$118
USAA	$754	$127
State Farm	$771	$130
Travelers	$771	$130
Nationwide	$893	$150
Erie	$921	$155
Progressive	$1050	$177
Allstate	$1787	$301

Key Takeaways

Way's key takeaways about car insurance in Prince Frederick

The auto insurance costs in Prince Frederick fall around $698 for six months.
The cheapest auto insurance company in Prince Frederick is USAA.
Teen drivers pay the highest rate in Prince Frederick at $1255 per month.

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Cheapest Minimum Liability Car Insurance in Prince Frederick

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 Prince Frederick are given below.

USAA provides the cheapest minimum car insurance coverage in Prince Frederick. Their Average 6 Month Premium is $279. Allstate is the most expensive at $978 for the same period.

Cheapest Liability Coverage in Prince Frederick, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$279	$47
Travelers	$385	$65
State Farm	$391	$66
Kemper	$397	$66
Erie	$414	$70
Progressive	$486	$82
Nationwide	$503	$85
Allstate	$978	$165

Cheapest Full Coverage Car Insurance in Prince Frederick

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 Prince Frederick is Kemper at $118 per month and $698 for six months.

Cheapest Full Coverage Car Insurance Quotes in Prince Frederick, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$698	$118
USAA	$754	$127
State Farm	$771	$130
Travelers	$771	$130
Nationwide	$893	$150
Erie	$921	$155
Progressive	$1050	$177
Allstate	$1787	$301

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Average Car Insurance in Prince Frederick 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 Prince Frederick, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Prince Frederick, 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, Prince Frederick's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Prince Frederick

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	$644
30s	Travelers	$549
40s	Travelers	$500
50s	Travelers	$473
60s	Travelers	$530
70s	USAA	$560

Cheapest Car Insurance Rates for Teen Drivers in Prince Frederick,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Prince Frederick at $71 per month. At $7454 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$419	$71
Erie	$1089	$183
Travelers	$1273	$214
USAA	$1362	$229
State Farm	$1848	$311
Progressive	$2351	$396
Nationwide	$3529	$594
Allstate	$7454	$1255

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 Prince Frederick.

As young drivers face the highest rates in Prince Frederick, Travelers offers the cheapest auto insurance rates at $644 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 Prince Frederick, USAA is the cheapest car insurance provider. At $883 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 Prince Frederick is State Farm, offering rates of around $3339 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$883	$147
Progressive	$910	$153
Nationwide	$1156	$195
Travelers	$1630	$277
Erie	$1915	$320
Allstate	$2608	$444
State Farm	$3339	$556

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Save up to $971/yr on car insurance rates in Prince Frederick.

Car Insurance Rates with An Accident in Prince Frederick

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 Prince Frederick, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Prince Frederick

The cheapest car insurance companies after an at-fault accident in Prince Frederick include Erie and USAA, offering $693 and $788, respectively. Encompass is an expensive provider with an average six-month premium of $619.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$693	$117
USAA	$788	$133
Travelers	$798	$134
State Farm	$860	$145
Progressive	$1044	$176
Nationwide	$1451	$244
Allstate	$3261	$549
Encompass	$619	$103

Prince Frederick Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Prince Frederick MD. For example, the car insurance in Prince Frederick after a DUI increases to $1060 for a six month policy. While the rate increases by $245 for a six-month policy in the case of a speeding ticket.

Prince Frederick auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1128	$188
One Med/PIP claim	$1167	$198
Not-at-fault accident	$1212	$202
One comp claim	$1217	$207
Two Med/PIP claims	$1240	$207
Failure to wear a seat belt	$1278	$217
Failure to show documents	$1312	$219
Child safety restraint	$1324	$225
Two comp claims	$1324	$221
Driving with expired registration	$1356	$230
Cell phone violation	$1373	$229
Driving too slowly	$1373	$233
Failure to stop at a red light	$1373	$229
Failure to yield	$1373	$233
Following too closely	$1373	$229
Illegal turn	$1373	$233
Improper passing	$1373	$229
Speeding 11 - 15 MPH over limit	$1373	$233
Speeding 16 - 20 MPH over limit	$1373	$229
Speeding 6 - 10 MPH over limit	$1373	$233
Texting while driving	$1373	$229
Wrong way/wrong lane	$1373	$233
Speeding in school zone	$1390	$232
At-fault accident - less than $1000	$1418	$242
Passing school bus	$1424	$237
Driving without lights	$1430	$243
Open container	$1435	$239
Operating a vehicle without permission	$1451	$247
Speeding 21 - 25 MPH over limit	$1502	$250
In 65 MPH zone	$1641	$279
At-fault accident - $1000-$2000	$1692	$282
At-fault accident - greater than $2000	$1692	$288
Reckless driving	$1932	$322
Racing	$2077	$353
Driving with a suspended license	$2110	$352
Refusal to submit to a chemical test	$2178	$370
DUI	$2188	$365
Leaving scene of an accident/hit and run	$2205	$375

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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 Prince Frederick 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 Prince Frederick.

The cheapest car insurance premiums in Prince Frederick are offered by Erie at $592 for a six-month policy. However, it can be as expensive as $2435 with companies like Nationwide.

Prince Frederick car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$592	$100
Travelers	$866	$146
Progressive	$1128	$190
USAA	$1301	$219
State Farm	$1692	$285
Allstate	$1865	$314
Nationwide	$2435	$410

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 Prince Frederick are offered by State Farm at $530. However, it can be as expensive as $2279 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Prince Frederick after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$530	$89
USAA	$603	$102
Erie	$703	$118
Progressive	$815	$137
Travelers	$1117	$186
Nationwide	$1586	$270
Allstate	$2279	$380

Car Insurance Price Trends in Prince Frederick, Maryland

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

The average cost of full coverage in the Prince Frederick rose by $200 in December compared to $199 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Prince Frederick remained steady at $72 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 Prince Frederick?

The car insurance in Prince Frederick is $47 per month, which is lower than the national average.

What is the cheapest car insurance in Prince Frederick?

The cheapest car insurance in Prince Frederick is $118 per month for full coverage.

How much is car insurance in Prince Frederick for teenagers?

Car insurance for teenagers costs $419 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 Prince Frederick?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $161 per month to insure your car in Prince Frederick.

Is car insurance expensive in Prince Frederick?

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

Cheapest Car Insurance Quotes in Prince Frederick

Why you can trust Way?

How Much Is Car Insurance in Prince Frederick

Avg. Car Insurance in Prince Frederick

Avg. Car Insurance in Maryland

National Average

Cheapest Car Insurance Companies in Prince Frederick

1st place: Kemper

2nd place: USAA

3rd place: State Farm

Prince Frederick Car Insurance Rates by Company

Cheap Car Insurance Companies in Prince Frederick, MD

Way's key takeaways about car insurance in Prince Frederick

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Prince Frederick

Cheapest Liability Coverage in Prince Frederick, MD

Cheapest Full Coverage Car Insurance in Prince Frederick

Cheapest Full Coverage Car Insurance Quotes in Prince Frederick, MD

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Prince Frederick by Rating Factor

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

Car Insurance Premiums by Age in Prince Frederick

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Prince Frederick,MD

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

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 Prince Frederick

Cheapest Car Insurance Companies after an At-Fault Accident in Prince Frederick

Prince Frederick Car Insurance Rates by Violation

Prince Frederick auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Prince Frederick after a DUI

Prince Frederick car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Prince Frederick after Speeding ticket

Car Insurance Price Trends in Prince Frederick, Maryland

Average Car Insurance Cost in Prince Frederick by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Prince Frederick, MD

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