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COVID-19 Response Update

Because we're staying home more and driving less, we are working to reduce auto rates in every state! Learn more about this and our Good Neighbor Relief Program Covid-19 response.

Please contact our office if you have any questions. Due to COVID-19, we've adjusted how we work, but you can always call us or click on Email Agent and complete the form to send our office an email.

We're here for you and want to help.

Insurance Agent Kathy Schultze

Kathy Schultze


Would you like to get a quote?

Office Details:

Street Address:

100 Tuscanney Drive
Suite E
Frederick, MD 21702-5958


Across from Fort Detrick

Office Hours (EST):

M,W,Th,F 9:00am to 5:00pm
Tuesday 9:00am to 8:00pm
After Hrs & Sat- By Appt






Need help with a claim?

Start or track your claim online, or with the State Farm® mobile app.

Need to pay a bill?

Pay insurance bills fast and manage them easily.

Auto Insurance

Buckle up with State Farm, and get auto insurance in Frederick, MD that fits your needs. You’ve got plenty of options — from collision and comprehensive to rental and rideshare. If you need more than an auto policy for the family, we provide car insurance coverage for new drivers, business travelers, collectors, and more. Not to mention, State Farm is the largest auto insurance provider in the U.S.1 You could even save more by combining the purchase of auto and home policies.

Kathy Schultze in Frederick, MD will help you get started after you complete a car insurance online quote. It’s fast and easy!

1. Ranking and data from S&P Global Market Intelligence, based on direct premiums written as of 2018.

Start your car insurance online quote. It’s fast and easy!

Homeowners Insurance

Protect your largest investment from unexpected events life may throw your way with State Farm® Homeowners Insurance in Frederick, MD. So, what’s covered?1 Your home insurance ensures you can repair or replace your home, as well as the items you value. Personal property is covered even if you're on vacation, running errands or holding items in storage. More homeowners choose State Farm as their home insurance company over any other insurer.2

Kathy Schultze in Frederick, MD will help you get started after you complete a homeowners insurance online quote. It’s fast and easy!

1. Please refer to your actual policy for a complete list of covered property and covered losses.
2. Data provided by S&P Global Market Intelligence and State Farm Archive.

Start your homeowners insurance quote. It’s fast and easy!

Renters Insurance

Renters insurance, also known as apartment insurance, covers your personal property — like computers, TVs, electronics, bicycles, furniture, and clothing — both inside and away from your apartment or other home that you may rent. Renters’ insurance coverage1 even extends to personal property in your car. Renters insurance typically covers losses to your personal property caused by fire, smoke damage, sudden and accidental covered water damage, thefts, burglaries, vandalism or vehicle damage.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Start your renters insurance quote. It’s fast and easy!

Personal Articles

Do you have important treasures like collectibles, jewelry, sports equipment, and others? Your homeowners or renters insurance policy may limit coverage on some of your most valuable items. Make sure your valuables are protected with a Personal Articles Policy in Frederick, MD. A State Farm® Personal Articles Policy can even provide personal property coverage1 worldwide (perfect for vacations) in case of theft, accidental damage, or loss.

Want more information? Ask Kathy Schultze in Frederick, MD about a personal property insurance quote.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a personal articles insurance quote.

Business Insurance

Whether your business is just starting, growing or maturing, State Farm will provide you with smart options for business insurance in Frederick, MD. Your insurance for business may include1 a business owners policy, commercial auto policy, individual health policy or even workers’ compensation. Like you, our agents are small business owners who know the importance of developing a plan for continued financial security. We know your business means everything to you. As it grows, make sure you have the right business insurance products for your business.

Work with Kathy Schultze in Frederick, MD to get a small business insurance quote and choose what products are right for you.

1. Please refer to your actual policy for a complete list of covered property and covered losses.

Call or email an agent for a small business insurance quote.

Life Insurance

State Farm® life insurance helps your life's moments live on. Whether it keeps paying the mortgage, maintains a current standard of living, pays off debts or pays for college, the life insurance you choose can be there when it’s needed most by your loved ones. Help secure the future of your family with a term life, whole life, or universal life policy. We have policy options to fit your needs and budget.

Kathy Schultze in Frederick, MD will help you get started after you complete a life insurance online quote.

Start your life insurance online quote. It’s fast and easy!

Health Insurance

As you experience changes in your life, your health insurance coverage should adjust as well. Let State Farm help you find the right policy for health insurance in Frederick, MD. We offer a variety of affordable supplemental health, Medicare supplement, or individual medical coverage plans. You may even protect your paycheck with disability insurance to help cover monthly expenses.

Work with Kathy Schultze in Frederick, MD to get a health insurance quote and choose a plan designed to fit the needs of a family, individual, or senior citizen.

Start your medicare supplement online insurance quote.

Start your hospital income online insurance quote.


You work hard for your money, managing it should be easy! Get banking in Frederick, MD with a State Farm Bank® checking or savings account. Put your cash to work in an interest checking account with minimal requirements, or save your dollars in a higher-yield Money Market savings account. You have options. Plus, online banking is so easy through our award-winning* State Farm® Mobile App or mobile web.

Talk with Kathy Schultze in Frederick, MD to get more information about State Farm Bank and online banking.

* 2019 Mobile Web Award winner: Best Insurance Mobile App and Best Bank Mobile App


Call or email an agent to learn more about online banking.


Let State Farm® support your financial future with an investment through annuities in Frederick, MD. Immediate annuities may guarantee an income for life, while tax-deferred annuities could help increase your retirement savings. Selecting the best annuity option depends on your financial goals and market conditions. Create a future stream of income or payments with an investment option that grows for you. State Farm can help clear the confusion and misinformation out there when it comes to annuities.

Talk with Kathy Schultze to get more information about annuities in Frederick, MD that support your financial goals.

Call or email an agent for investment information.

Mutual Funds

Invest in your future and help meet your goals with State Farm® Investment Planning Services. You’re offered a variety of account types and multiple investment products. Feel free to check the investment firm or professional’s background at FINRA's Broker Check®.

Talk with Kathy Schultze to get more information about mutual funds in Frederick, MD and financial opportunities.

Call or email an agent for investment information.

Pet Insurance

When your pets need medical attention, the last thing you should worry about is cost. Unfortunately, many pet owners find themselves facing tough decisions about their dog or cat’s care. We’re here to help. State Farm works with Trupanion – a leader in high-quality pet medical insurance – to make it easier for pet owners to care for their furry family members.

Want more information? Ask Kathy Schultze in Frederick, MD about a pet medical insurance quote.

Start your pet medical insurance quote. It’s fast and easy!

About Me:

  • State Farm Agent since 1984 in Frederick, MD
  • Lifetime Frederick County Resident
  • Over 135 years combined State Farm team experience
  • Your Frederick, Maryland State Farm Insurance Agent
  • Focusing on Relocations to Frederick and Urbana , MD
  • Serving the Auto, Home Insurance needs of Frederick, MD
  • Rotary Club of Carroll Creek
  • Lifetime Million Dollar Round Table Member
  • Lifetime State Farm Presidents Club Award
  • State Farms Chairman Circle, SVP Qualifier
  • State Farm Ambassador Travel Qualifier
  • Frederick Chamber of Commerce
  • Board Member-United Way of Frederick Co
  • West Virginia University-B.S & M.S
  • Focused on Condo & Renters Insurance in Frederick, MD
  • Focus on Business/Commercial Insurance in Frederick

Our Mission:

Our office strives to provide our customers with the most efficient and professional service in the Frederick, MD area. We take the time to complete a personalized comprehensive review of our customer's insurance needs. We want to be the first and preferred choice for all of our customers' Insurance and Financial Services needs in Frederick, MD. We focus on Auto, Home, Business and Life Insurance. We provide the best Insurance experience in Maryland. We are here to help life go right.

Our Team:

Team Member Profile Photo Ceil Keenan
Ceil Keenan
Multiple Line Representative
Ceil has been excelling in insurance since 1987 and has been with our office since 2002. Licensed in Property & Casualty, Small Business, Auto, Fire, Life, and Health, Ceil has a focus and passion for helping families in the community with their life insurance needs. Aside from dedicating her time and energy to our customers, she enjoys boating, kayaking, and skiing.
Team Member Profile Photo Thomas Schultze
Thomas Schultze
Multiple Line Representative
Tom has been the office go-to guy in business policies including workers compensation and master condominium policies for 27 years in the Frederick County, Maryland area. When he isn't providing exceptional customer service, Tom enjoys spending time with family and golfing.
Team Member Profile Photo Victoria Sexton
Victoria Sexton
Personal Account Representative
Victoria joined our office in early June of 2018. She enjoys helping customers and providing a remarkable customer service experience. Outside of work, Victoria enjoys spending her time outdoors and being with her family.
Team Member Profile Photo Nicole Hanlin
Nicole Hanlin
Office Associate
Team Member Profile Photo Kathy Chandler
Kathy Chandler
Multiple Line Representative
Kathy has been licensed with the Kathy Schultze State Farm Agency since 1993, and finds true joy in helping families plan for their future. Informed decisions are important to make sure our insureds are covered in the event of an unexpected loss whether it be Auto, Fire ,Life or Health. Aside from her passions at work she loves spending time with her 2 grandchildren as well as boating and fishing on the Chesapeake Bay.
Team Member Profile Photo Veronica Chavez
Veronica Chavez
Account Representative
Veronica joined our office in April 2018 as a Service Representative. She is licensed in Property and Casualty Insurance and her goal is to provide excellent service to each and every member of our Agency. In her free time, she enjoys spending time with her husband and two dogs. She also loves to travel and try different foods.

Agent's Credentials and Licenses:


We're Hiring

It could be the beginning of an exciting career.
This opportunity is about potential employment with an independent contractor agent who solicits application for State Farm products and services, and does NOT result in employment with any of the State Farm Companies. The employment selection decision, terms and conditions of employment (such as compensation and benefits) are all determined solely by the independent contractor agent.


Investors should carefully consider investment objectives, risks, charges and expenses. This and other important information is contained in the fund prospectuses and summary prospectuses which can be obtained by visiting the prospectus page on Read it carefully. AP2020/03/0336

Securities distributed by State Farm VP Management Corp.

Securities Supervisor address: 7360 Guilford Dr Ste 201B , Frederick, MD 21704-5244 Phone: 301-620-5141

State Farm Bank , F.S.B., Bloomington, Illinois, is a Member FDIC and Equal Housing Lender. NMLS ID 139716. The other products offered by affiliate companies of State Farm Bank are not FDIC insured, not a State Farm Bank obligation or guaranteed by State Farm Bank, and may be subject to investment risk, including possible loss of principal invested. The Bank encourages any interested individual(s) to submit an application for any product(s) offered by the Bank. We also encourage you to obtain information regarding the Bank's underwriting standards for each type of credit or service offered by visiting or by contacting the Bank at 877-SF4-BANK (877-734-2265). Callers who are hearing or speech impaired should dial 711 or use a preferred Telecommunications Relay Service. To apply for a Bank product, you may also see your participating State Farm agent.

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Federal Deposit Insurance Corporation Logo
Equal Housing Lender Logo

Life Insurance and annuities are issued by State Farm Life Insurance Company. (Not Licensed in MA, NY, and WI) State Farm Life and Accident Assurance Company (Licensed in New York and Wisconsin) Home Office, Bloomington, Illinois.

Pet insurance products are underwritten in the United States by American Pet Insurance Company, 6100-4th Ave S, Seattle, WA 98108 Please visit For additional information and disclosures concerning Pet insurance please see Pet Insurance From State Farm® and Trupanion®.

State Farm VP Management Corp. is a separate entity from those State Farm entities which provide banking and insurance products. Investing involves risk, including potential for loss.

Neither State Farm nor its agents provide tax or legal advice. Please consult a tax or legal advisor for advice regarding your personal circumstances.