The 5 Best Insurance Agencies Around Frederick

In today’s fast-changing world of risk, coverage and financial protection, the Best of the Best highlights local insurance agencies in Frederick that combine personalized service with solid coverage options. Studies show that more than 70 percent of consumers value local-agent access and tailored product guidance when choosing insurance providers—making that human touch increasingly important. In this region, the following agencies stand out for their local roots, service breadth and focus on client advocacy.

Connie Phillips Insurance

Founded in 1986 by Connie Phillips after decades in the industry, this agency emphasizes independence—allowing them to offer coverage from multiple carriers and tailor policies rather than push one product. Clients are treated as individuals, not numbers, and the staff places value on honesty, respect and accountability—all core values the agency was built on. Their team includes agents licensed across states and offers personal, business and specialty coverages.

Chris Lucas – State Farm Insurance Agent

Chris Lucas grew up in the Frederick area and now serves Brunswick and surrounding communities with a full-service State Farm office offering auto, homeowners, renters, life, small business and more. His approach emphasizes creating a “Personal Price Plan” that aligns coverage with clients’ specific family, vehicle, home or business needs. The office supports after-hours by appointment, helping clients who may need flexibility.

Turning Point Financial

While primarily known for financial planning and investment services, Turning Point Financial also provides insurance-solutions for individuals and businesses as part of its comprehensive service offering. They position themselves as a coordinated resource—handling insurance, tax, accounting and investment guidance under one roof. Their values of humility, integrity and empathy signal an approach that seeks to simplify rather than complicate coverage decisions.

Kathy Schultze – State Farm Insurance

Kathy Schultze has operated her State Farm agency in Frederick since 1984 and emphasizes building long-term relationships. Bilingual service (English and Spanish) broadens accessibility. Her team focuses on the full spectrum of insurance needs—auto, homeowners, renters, business, life, even pet and recreational vehicle coverage—and takes pride in guiding clients through detailed policy reviews rather than quick sales.

Wachter Insurance Agency

Based in Middletown, this independent agency offers auto, home, life and business insurance across Maryland, including Frederick and surrounding counties. They partner with ERIE Insurance and other carriers to deliver protection at competitive rates while maintaining local service.

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