Start with the age-based estimates, carrier rankings, and coverage tips for Frederick drivers, then ask an independent agency for a real quote.
Free auto quoteCall (800) 253-1482Average car insurance rates in Frederick, Colorado
Figures on this page are estimates and averages for illustration for comparison only, not guaranteed quotes. Drivers, vehicles, and ZIP code, along with coverage limits and deductibles, credit where allowed, and claims history, set the actual premium.
Car Insurance Rates by Driver’s Age Group in Frederick
| Area | Average Monthly Rate |
|---|---|
| National | $169.67 |
| Colorado | $172.40 |
| Frederick, Colorado | $171.60 |
Cheapest car insurers for Frederick, CO drivers
| Rank | Company | Average Monthly Rate |
|---|---|---|
| 1 | GEICO | $143.36 |
| 2 | National General 360 | $153.45 |
| 3 | Kemper BVP | $155.68 |
| 4 | Safeco | $161.33 |
| 5 | National General NS | $167.19 |
| 6 | Progressive | $171.43 |
| 7 | Lemonade | $172.55 |
| 8 | GAINSCO | $185.76 |
| 9 | Allstate | $187.86 |
| 10 | Travelers | $194.67 |
Check Out Other Rates in Frederick, CO Nearby Cities:
Tips to cut car insurance rates in Frederick
Comparing rates goes beyond finding the lowest binder price. The durable wins usually come from right-sizing liability limits first, then shopping collision deductibles, then re-checking the market every policy term.
- Compare at least several carriers each renewal. As storms and loss trends play out, appetite changes. In Frederick, the leader can change year to year: last year’s lowest price may not lead today.
- Let the math decide on bundling. Check the combined home-and-auto price, not just the auto premium; bundling helps only if the total wins. Start your request at /get-a-quote/auto-quote, noting any renters or homeowners policy you already have.
- Raise deductibles only if you have cash reserves. Moving from $500 to $1,000 can cut the premium, but only if a hail or collision claim would not strain your budget.
- Teens need a deliberate plan. On this page, the illustrated 16–19 monthly estimate is about $1,178.89, far above adult buckets near $114. Ask about good-student discounts, driver training, telematics, and adding the teen to the right vehicle — not necessarily the newest car in the driveway.
- Be careful with telematics. Telematics programs may reward gentle acceleration and low overnight mileage, but night driving and hard braking can erase the benefit.
- Keep coverage continuous. A lapse, even a short one, tends to cost more than the months you skipped.
- Make garaging accurate. Before you bind, fix any mismatch if the car is kept in Frederick but insured at another address (or the reverse).
- Ask about paperless, autopay, paying in full, and professional affiliations. Stacked together they matter, even if each is minor.
One more step: document improvements. Roof cameras are a home item, but dash cams, anti-theft devices, and a clean Motor Vehicle Record still help many auto filings. Bring those details for your Frederick quote review so underwriting does not fill in blanks.
Insurance and driving notes for Frederick
Frederick has roughly 11,413 residents and lies within Weld County. Residents number about 11,413. Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Annual mileage and garaging ZIP both show up in underwriting since commutes from Frederick often combine arterials and highway. Slick winter driving, hail, and wildfire smoke days shape local comprehensive claims, and over time they shape the rates carriers file for nearby ZIP codes. That is why two neighbors in Frederick can see different premiums even with similar vehicles: how the car is built, credit-based insurance score where allowed, prior claims, and the exact garaging address all move the quote.
New to the Weld County area? Confirm how you actually use the car. Rideshare driving, teen drivers, and long highway commutes each move the rate more than choosing a different trim of the same year. Accurate details make the match: let us know how the car is really driven when you request a quote, and we can line up carriers that price that kind of driving competitively.
Many Frederick drivers also underestimate how safety features and how long you have owned the car interact with discounts. Some carriers reward anti-theft devices or automatic emergency braking more than another, and the same goes for continuous coverage. Rather than typing the same application into ten websites: let an independent agent translate those differences into a shortlist.
Another practical detail: keep your current policy’s declarations pages close. A true side-by-side comparison in Frederick is quickest to build from limits, deductibles, and listed drivers. If a quote looks dramatically cheaper, check whether liability limits dropped, comprehensive disappeared, or a household driver was omitted.
Auto coverage explainers for Frederick drivers
A serious injury claim or a newer financed vehicle usually exceeds state-minimum limits, even if Colorado law accepts the minimum. When you compare quotes in Frederick, check each one against the outline below.
- Bodily injury & property damage liability: The part of the policy that compensates others when you are at fault. If you have home equity or savings, or a long commute in dense traffic, higher limits are worth pricing.
- Collision: Fixes your car after a crash with another car or object, after the deductible.
- Comprehensive: In storm country this one matters most; it helps after theft, hail, glass breakage, animal strikes, and other non-crash damage.
- Uninsured or underinsured motorist: Your protection when the other driver is at fault but has little or no insurance. Before you decline UM/UIM, ask how it works in your state.
- Medical payments or PIP: After an accident, it helps pay medical bills for you and your passengers; stacking and availability rules differ by state.
- Rental reimbursement coverage: Covers part of a rental car while your car is in the shop after a covered claim.
- Roadside assistance coverage: On the policy it can undercut a separate club membership and includes towing, battery, and lockout service.
- Umbrella coordination & higher limits: If you carry an umbrella, check auto limits meet the carrier’s underlying requirements.
Lenders and leasing companies will almost always require collision and comprehensive for Frederick vehicles. If your car is older and paid off, we can model dropping collision only after you understand the out-of-pocket risk. Stormy ZIP codes justify a second look at glass and hail deductibles.
Frederick in brief
Frederick has roughly 11,413 residents and lies within Weld County.
Frederick sits in the Weld County area, where day-to-day insurance shopping is shaped more by home characteristics and carrier appetite than by any single landmark.
Roof age, construction type, and replacement cost explain most of the block-to-block price gaps across the single-family homes typical of the Weld County area.
Front Range communities face hail, wind, and wildfire risk that can move premiums quickly after active storm seasons.
Discounts worth asking about in Frederick
- Multi-policy credit — auto paired with home or renters.
- Multi-car credit — more than one vehicle with the same carrier.
- Claims-free / safe driver — clean records often price better.
- Good student & driver training — useful once teens are rated.
- Telematics & usage-based — optional tracking that rewards careful habits.
- Paperless, autopay, and paid-in-full — minor credits that add up.
- Safety and anti-theft features — varies by vehicle and carrier.
Discounts never replace shopping. Similar advertised credits can still leave two carriers fifty dollars apart for one Frederick driver.
Factors that change a quote in Frederick
The vehicle’s sticker price is only a start when carriers review a Frederick application. A clean credit history notwithstanding, prior bodily injury claims, comprehensive weather losses, and coverage lapses may matter more. On the other side, years of continuous insurance and modest annual mileage can ease the price even on a relatively new car.
If you work from home some days, ask whether your mileage estimate should change. Many Frederick households still carry commuting assumptions from a prior job and overpay for miles they no longer drive. To avoid a mismatch at claim time, update the application if your commute around the Weld County area got longer; the reverse is also true.
Deductibles and limits for local weather
Because hail, wildfire smoke days, and slick winter driving show up in regional loss data, comprehensive deductibles deserve a deliberate choice in Frederick. A lower glass deductible can be worth it if you park outside. For a paid-off vehicle, a higher comprehensive deductible may make sense if you have reserves.
Set liability limits by what you own and how much risk you accept, not only the state minimum. Minimum limits can be exhausted quickly by a serious at-fault accident on a busy corridor near Frederick. So you are not buying numbers you do not understand, we talk through scenarios together.
What Freedom Insurance Group does for Frederick drivers
We do not invent AM Best ratings or pretend every carrier is appointed in every niche. We explain the tradeoffs in plain language, shop the markets we can access, and help you choose limits that fit how you actually drive in Frederick and the wider Weld County area.
Reach us at (800) 253-1482, or get a free auto quote started on the website. Also shopping for homeowners coverage? Begin on the home quote form, and we will compare bundling options without pressure.
Plan to talk through drivers, vehicles, the garaging ZIP code, desired liability limits, and any recent claims. That discovery step is what turns the illustrative averages on this page into a shortlist of bindable options for your household.
Frederick by the numbers: commuting, vehicles, and weather
According to the Census Bureau’s 2020–2024 American Community Survey, the average one-way commute for Frederick workers is about 32 minutes. Close to 23% of commuters face trips of 45-plus minutes, and those long drives show up in rating. By commute mode, 71% drive alone, 7.0% carpool, and 20% work from home. Given the remote-work share, it pays to make sure the policy does not assume a daily commute.
By 2020–2024 Census estimates, Frederick packs about 16,651 residents into roughly 15 square miles of land, a density of about 1,095 people per square mile. The closest Colorado city with more than 100,000 residents is Thornton, about 13 miles to the south. Frequent drives to Thornton should be counted in your mileage.
Of the roughly 5,777 occupied households in Frederick, 43% keep three or more vehicles and 40% have two. So multi-car credits and driver-to-vehicle assignment are worth checking on most policies.
NOAA storm reports show 59 hail reports within about 6 miles of Frederick from 2016 through 2025. The biggest hail reported was 2.5 inches near Frederick in June 2018. Stones that large can break windows and cause major body damage, and those claims go through comprehensive.
The name honors Frederick A. Clark. The Census Bureau counted 2,467 people in Frederick at the 2000 Census and 8,679 at the 2010 Census; its July 2024 estimate is 17,937. Growth since 2000 comes to roughly 627%. Federal tornado records from NOAA’s Storm Prediction Center list 39 tornadoes that began within 10 miles of Frederick from 1950 through 2015, the strongest an F2 on June 5, 1988.
Looking at nearby towns? We also cover Dacono (3 mi), Firestone (4 mi), and Erie (6 mi).
ZIP codes we serve in and around Frederick
80530 · 80520 · 80514 · 80504
Other Colorado coverage pages
Get auto insurance quotes in Frederick, CO
Freedom Insurance Group compares 25+ carriers for Frederick residents. Reach us at (800) 253-1482, or get a free auto quote started on the website.
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