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.
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.
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 | $94/month | 890 |
GEICO | $107/month | 874 |
Travelers | $145/month | 854 |
Penn National | $199/month | -- |
State Farm | $201/month | 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 |
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 |
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 |
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 |
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