The average cost of car insurance in Baltimore is $2,804 per year, which is $1,020 more expensive more than the statewide average cost in Maryland. Despite the high cost of car insurance, Baltimore drivers can still save money on car insurance.
Ready to shop car insurance?
The easiest way to find your lowest rates is by comparing quotes from multiple companies before you buy. Policygenius can help you see quotes from top companies and choose a policy that suits your needs.
Key takeaways
USAA Insurance has the lowest average rates in Baltimore at $1,127 per year for full coverage
The ZIP code with the cheapest average rates in Baltimore is 21240, with yearly rates of $2,060
The minimum liability car insurance requirements in Maryland are $30,000 per person/$60,000 per accident in bodily injury liability and $15,000 in property damage liability
Uninsured/underinsured motorist coverage and personal injury protection are also required in Maryland
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Baltimore, MD
Personal data such as the type of vehicle you drive, your driving record, and where you live all impact your rates, but how insurers use your data varies. That’s why car insurance rates can vary widely from company to company, even for the same driver.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $1,127 | 890 |
GEICO | $1,283 | 874 |
Travelers | $1,738 | 854 |
Penn National | $2,389 | -- |
State Farm | $2,408 | 882 |
Cheapest car insurance rates by ZIP code in Baltimore, MD
ZIP codes are one of the biggest factors insurance companies use to establish car insurance rates. Insurers look at the number of accidents, stolen vehicles, and acts of vandalism in a specific neighborhood and set rates accordingly.
ZIP code | Average cost |
|---|---|
21240 | $2,060 |
21250 | $2,271 |
21225 | $2,434 |
21230 | $2,441 |
21210 | $2,467 |
21212 | $2,504 |
21224 | $2,517 |
21211 | $2,573 |
21231 | $2,642 |
21233 | $2,684 |
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Choosing the right car insurance company in Baltimore, MD
It can be tough to find coverage that works for you at an affordable price. While insurance is required in Maryland, choosing the right car insurance company is crucial for you and your family. You need to know you are covered if the worst happens.
Policygenius can help you understand your options and see quotes from top companies, so you can be sure you’re getting the coverage you need at rates you’re comfortable with.
Car insurance rates for drivers with driving violations in Baltimore, MD
Car insurance companies take a look at your driving record when setting your rates. Violations and accidents will mean you’ll pay more, and the more serious the infraction, the more it will cost you.
Violation | USAA | GEICO | Travelers | Penn National | State Farm |
|---|---|---|---|---|---|
At-fault accident | $1,872 | $2,056 | $2,536 | $4,655 | $3,050 |
DUI | $3,169 | $1,658 | $2,821 | $8,399 | $2,680 |
Suspended license | $2,180 | $1,497 | $2,821 | $8,399 | $2,680 |
Open container | $1,660 | $1,497 | $2,386 | $3,056 | $2,680 |
Expired registration | $1,412 | $1,352 | $2,386 | $3,056 | $2,680 |
Driving without lights | $1,189 | $1,497 | $2,343 | $8,399 | $2,680 |
Running a red light | $1,412 | $1,497 | $2,386 | $3,056 | $2,680 |
Following too closely | $1,412 | $1,497 | $2,386 | $3,056 | $2,680 |
Hit and run | $3,333 | $1,658 | $2,821 | $8,399 | $2,680 |
Not-at-fault accident | $1,189 | $1,423 | $1,832 | $3,185 | $2,433 |
Passing a school bus | $1,660 | $1,497 | $2,821 | $3,056 | $2,680 |
Reckless driving | $1,660 | $2,553 | $2,821 | $8,399 | $2,680 |
Speeding | $1,412 | $2,056 | $2,821 | $8,399 | $2,680 |
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Cheapest car insurance for drivers with a DUI in Baltimore, MD
Company | Rates for drivers with DUIs |
|---|---|
GEICO | $1,658 |
State Farm | $2,680 |
Travelers | $2,821 |
USAA | $3,169 |
Penn National | $8,399 |
Cheapest car insurance for drivers with a speeding ticket in Baltimore, MD
Company | Rates for drivers with speeding tickets |
|---|---|
USAA | $1,412 |
GEICO | $2,056 |
State Farm | $2,680 |
Travelers | $2,821 |
Penn National | $8,399 |
Cheapest car insurance for drivers with bad credit in Baltimore, MD
One of the easiest ways to ensure you don’t overpay for car insurance is maintaining a good credit score. Drivers with poor credit will pay more for car insurance, while a better credit score means lower rates.
Some states have outlawed the use of credit scoring as a factor when quoting car insurance rates. Maryland does allow credit scoring as a factor to set your insurance rates, but insurers cannot reject or cancel your insurance based solely on a credit score.
Company | Rates for drivers with bad credit |
|---|---|
GEICO | $1,746 |
USAA | $2,108 |
Maryland Auto Insurance | $3,382 |
Travelers | $3,557 |
Progressive | $4,058 |
Ready to shop car insurance?
Buying car insurance in Baltimore, MD
Maryland state law requires all drivers to carry the following minimum requirements of liability insurance:
Bodily Injury Liability Coverage Per Person: $30,000
Bodily Injury Liability Coverage Per Accident: $60,000
Property Damage Liability Coverage: $15,000
Personal Injury Protection: $2,500 per incident
Uninsured/Underinsured Motorist Coverage: $30,000 per person and $60,000 per accident; and $15,000 in property damage coverage
Maryland is an at-fault state when it comes to car accidents. That means that the insurance company of the driver responsible for an accident will pay for the other party’s damage and injuries.
How to get cheap car insurance in Baltimore, MD
Car insurance is expensive in Baltimore, but there are a few great ways to make sure you’re getting low rates:
Drive Safely: Avoid accidents and moving violations and you’ll pay less for coverage
Compare quotes: Compare rates from multiple companies before you buy
Bundle policies: Get your home and auto insurance policies from the same company and save on both
Know your discounts: Find out which car insurance discounts you qualify for, like discounts for paying your premiums in full, getting good grades in school or insuring more than one car under the same policy
Frequently asked questions
Does Maryland have high car insurance?
The average driver in Maryland pays $1,784 per year for car insurance, which is higher than the national average. While it's more expensive than average, Maryland is still hundreds of dollars per year cheaper than the most expensive states.
Is Maryland a no-fault state or an at-fault state?
Maryland is an at-fault state, which means that the driver who caused an accident is responsible for paying the costs associated with that accident.
Is car insurance cheaper in Maryland or DC?
Car insurance is cheaper in Maryland than in the nation's capital. On average, the cost of car insurance in Maryland is $18 per year cheaper than in Washington, D.C.
How much is car insurance monthly in Maryland?
The average cost of car insurance in Maryland is $149 per month, or $1,784 per year. Car insurance is more expensive in Baltimore where the average is $234 per month.
Authors
Contributing Writer
Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.
Senior Editor & Licensed Auto Insurance Expert
Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.
Editor
Senior Managing Editor & Auto Insurance Expert
Anna Swartz is a senior managing editor and auto insurance expert at Policygenius, where she oversees our car insurance coverage. Previously, she was a senior staff writer at Mic.com, as well as an associate writer at The Dodo.
Questions about this page? Email us ateditorial@policygenius.com.
