The best car insurance in Baltimore, MD

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Gianetta PalmerGianetta PalmerFreelance contributorGianetta Palmer is a freelance writer who lives in the Georgia mountains. Her writing on health and car insurance, has appeared on numerous sites.&Rachael BrennanRachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael 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.
Expert reviewedExpert reviewedThis article has been reviewed by a licensed Policygenius expert to ensure that sources, statistics, and claims meet our standard for accurate and unbiased advice.Learn more about oureditorial review process.

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Maria FilindrasMaria FilindrasFinancial AdvisorMaria Filindras is a financial advisor, a licensed Life & Health insurance agent in California, and a member of the Financial Review Council at Policygenius.

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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.

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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

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

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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 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

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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.

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: $50,000 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.

Authors

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

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.

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