The best car insurance in Baltimore, MD

Gianetta Palmer

By

Gianetta Palmer

Gianetta Palmer

Freelance contributor

Gianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.

Published November 22, 2021

Policygenius content follows strict guidelines for editorial accuracy and integrity. Learn about our

editorial standards

and

how we make money.

The average Baltimore driver pays $2,956 per year for full coverage car insurance. Compared to the Maryland state average of $1,798, Baltimore residents pay more than $1,158 per year for the same coverage. Despite the high cost of car insurance, Baltimore drivers can still save money on car insurance.

Ready to shop car insurance?

Start calculator

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 21201, with yearly rates of $2,941

  • 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

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

871

Travelers

$1,947

861

Erie

$2,229

880

Penn National

$2,364

--

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

21201

$2,941

21202

$3,004

21205

$3,172

21206

$3,083

21210

$2,630

21211

$2,722

21212

$2,700

21213

$3,400

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

Erie

Penn National

At-fault Accident

$1,872

$2,056

$2,827

$3,148

$4,604

DUI

$3,169

$1,658

$3,137

$2,520

$8,305

Driving with a suspended license

$2,180

$1,497

$3,137

$2,520

$8,305

Driving with an open container

$1,660

$1,497

$2,666

$2,520

$3,024

Driving with expired registration

$1,412

$1,352

$2,666

$2,520

$3,024

Driving without Lights

$1,189

$1,497

$2,618

$2,520

$8,305

Failure to show documents

$1,412

$1,352

$2,666

$2,520

$3,024

Failure to stop at a red light

$1,412

$1,497

$2,666

$2,520

$3,024

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

Kemper

$3,925

Travelers

$4,013

Progressive

$4,394

Ready to shop car insurance?

Start calculator

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

I’m engaged but not getting married for a while, will my insurance change?

Married couples often see lower insurance rates, so letting your insurer know when you tie the knot could save you money.

I heard insurance rates go down at age 25, but mine didn’t, why not?

If you’ve been ticketed for speeding and other moving violations, your insurer drive won’t offer the usual price drop. Your rates also may not go down at 25 if you’re still a very new driver, so if you just got your license at 24, that may be why.

I got a parking ticket, would that make my insurance go up?

Parking tickets usually won’t increase your rates, but tickets for moving violations, like speeding, will.

Methodology

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: 50/100

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: 50/100

  • 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.