Cheapest Auto Insurance in Baltimore, Maryland (2026)

Car insurance in Baltimore — the largest city in Maryland — costs $295 per month for liability insurance. This is significantly higher than the Maryland state average of $177 for liability and the national average of $99.

Baltimore is a densely populated city of about 570,000 people. This high population density can lead to more car accidents, so insurance companies typically charge higher rates to drivers in Charm City to account for the increased risk. Baltimore also saw approximately 11,000 vehicle thefts in 2023.^[1] Vehicle crime rates also contribute to auto insurance costs.

If you’re looking for cheap Baltimore car insurance, it’s worth shopping around and comparing quotes from different insurers to find the right fit.

3 of the cheapest car insurance companies in Baltimore

With so many companies offering different coverages and prices, knowing which policy is best for you can be difficult. The company with the cheapest average rates may not have the specific coverages you need.

USAA is the best for active military members, veterans, and their families, offering exclusive coverage with unique discounts and perks. GEICO is one of the cheapest insurers in Baltimore and is available to more than just military-affiliated drivers. State Farm is one of the best all-around options, offering a variety of coverages and discounts to drivers of all types.

Below are the top three insurers for different types of drivers in Baltimore. The rates below reflect statewide average insurance costs in Maryland.

Insurance Company	IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	Full Coverage	Liability Only	Best for
USAA	9.1	$214	$159	Military members
GEICO	9.2	$255	$189	Affordable rates
State Farm	9.3	$276	$205	Teen drivers

• How Insurify rates insurance companies

  Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.

  We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.

  • Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
  • Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
  • Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
  • Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
  • Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.

Best insurer for military members: USAA

military members

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User Reviews	4.9 1,477 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.1 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$246/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$328/mo

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Driver Reviews

4.9

Best choice in Baltimore, MDBased on 3,128 verified driver reviews and ratings

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Members of the military community

Outstanding customer service

Competitive rates

How drivers feel about USAA

Customers appreciate the insurer’s reliable customer service and claim handling but express concerns about high rates and frequent price increases. Some also find the insurer’s security protocols and communication methods frustrating.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Members of the military community

Outstanding customer service

Competitive rates

Showing 7 Maryland reviews for Baltimore drivers - See all 1,477 USAA reviews

Jane

Verified Review

Switched to Progressive After 25 Years with USAA

Reviewed in Maryland on February 2, 2026

Switched to Progressive from USAA after 25 years. USAA would not work with me on lower car insurance rates (we are retired) after they jumped $80/month. I've been very impressed with Progressive, setting up auto for 2 cars, plus I moved our homeowners policy as well. I was disappointed that USAA wouldn't try harder to keep me as a customer, but switching to Progressive is proving to be a great move. Full policy matching what we had with USAA, saving $100/month!

Gail

Verified Review

Excellent payout for smoke damage

Reviewed in Maryland on September 27, 2025

I have had only one incident with home insurance, and they were excellent. They paid all claims regarding smoke damage after a fire below me in the condo.

Patricia

Verified Review

Trustworthy

Reviewed in Maryland on September 26, 2025

They are a little pricey, but their product and service are excellent. In over 40 years, my family and I have always been satisfied with USAA.

Herbert

Verified Review

Personally beneficial

Reviewed in Maryland on July 5, 2025

Very easy to work with.

Conan

Verified Review

USAA is one of the best out there

Reviewed in Maryland on March 27, 2025

Excellent service, though rates do increase.

Judith

Verified Review

USAA

Reviewed in Maryland on March 10, 2025

USAA is a great company!

Steve

Verified Review

Looking for the Best Price for Me

Reviewed in Maryland on March 10, 2025

I have nothing negative to say, other than I was hoping for something cheaper.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

739

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

1.31

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

USAA offers insurance and a variety of financial products for veterans, active-duty military members, and their families. If you’re eligible for USAA auto insurance, you can enjoy highly rated customer service, military-centric perks, and some of the lowest rates in Baltimore.

Pros

• Usage-based insurance (UBI) available in Maryland

• Bundling discounts

Cons

• Only available to active-duty military, veterans, and their families

• Bundling discounts not available for UBI insurance policies

Best insurer for affordable rates: GEICO

affordable rates

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User Reviews	4.0 7,420 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.2 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$293/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$390/mo

Show Details

Driver Reviews

4.0

Best choice in Baltimore, MDBased on 16,013 verified driver reviews and ratings

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Teen drivers

Cheap rates

Accident forgiveness

How drivers feel about GEICO

Customers appreciate the reliability and customer service but find the rates to be high and increase frequently, even without claims or accidents. The app has improved, but some find the claims process lacking.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Teen drivers

Cheap rates

Accident forgiveness

Showing 45 Maryland reviews for Baltimore drivers - See all 7,420 GEICO reviews

John

Verified Review

Too Expensive

Reviewed in Maryland on January 27, 2026

I feel they are on the higher side. I don’t have any accidents, tickets, or DUIs, and I am paying more for insurance than I ever have.

Nancy

Verified Review

With Geico for over twenty years

Reviewed in Maryland on January 20, 2026

Highly recommend.

Diane

Verified Review

Too High

Reviewed in Maryland on January 11, 2026

I have been with Geico for over twenty-eight years. They are overcharging me and raising my rates without notice. They have become too expensive for my budget.

Ken

Verified Review

Inflation

Reviewed in Maryland on January 9, 2026

I've been a long-term customer, but my premium keeps rising.

Francis

Verified Review

Geico did better than numerous competitors by a little

Reviewed in Maryland on January 6, 2026

Geico had the best rates of the major insurers by a little bit.

Tony

Verified Review

I wish I didn't have to search for my own discounts. If I'm eligible for a discount, please apply it and don't make me search other companies to get my best price. After 25 years, I think I deserve that.

Reviewed in Maryland on January 5, 2026

I wish I didn't have to search for my own discounts. If I'm eligible for a discount, please apply it and don't make me search other companies to get my best price. After 25 years, I think I deserve that.

Kiran

Verified Review

Reduce the Price

Reviewed in Maryland on December 10, 2025

Too pricey for good drivers.

Pauline

Verified Review

Hands Down

Reviewed in Maryland on December 1, 2025

When you get one price from your site, and then it changes when you get to Geico, don't go there.

Taiwo

Verified Review

Good customer service

Reviewed in Maryland on November 17, 2025

Good customer service 👍.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

637

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.59

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

While GEICO's rates aren't the cheapest available in Baltimore, they're still competitive. The insurer doesn't limit its membership as USAA does, and it offers many discounts that can help lower drivers' rates further. Drivers can save with discounts for vehicle safety equipment like air bags or anti-theft systems, practicing safe driving habits, having a new vehicle, or being a member of the military.

Pros

• Can purchase a policy online

• Highly rated mobile app

Cons

• Gap insurance not available

• Limited number of agents available in Baltimore

Best insurer for teen drivers: State Farm

teen drivers

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User Reviews	4.0 7,176 reviews
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores.	9.3 /10
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages.	$316/mo
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible.	$423/mo

Show Details

Driver Reviews

4.0

Best choice in Baltimore, MDBased on 15,788 verified driver reviews and ratings

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Customer service

Competitive rates

Discounts for safe drivers

How drivers feel about State Farm

Customers appreciate the insurer’s excellent customer service and personal attention but dislike the high prices and frequent rate increases. They also express frustration with the claims process.

AI-generated from the text of verified reviews collected by Insurify

Best in Baltimore for

Customer service

Competitive rates

Discounts for safe drivers

Showing 20 Maryland reviews for Baltimore drivers - See all 7,176 State Farm reviews

Sharon

Verified Review

I'm not sure what

Reviewed in Maryland on March 2, 2026

They don’t reach out to try to lower costs or see if there are any discounts available.

Elessa

Verified Review

Lack of Communication on Rate Increases

Reviewed in Maryland on February 18, 2026

The deductible increased without notice or explanation.

Michael

Verified Review

Use caution when getting insurance... ALWAYS

Reviewed in Maryland on February 9, 2026

Explore various insurance providers to find the best policy.

Michael

Verified Review

Excellent

Reviewed in Maryland on January 21, 2026

I would recommend a friend to State Farm anytime.

Steve

Verified Review

Good Service

Reviewed in Maryland on January 6, 2026

Excellent

John

Verified Review

Expensive rate increases every year

Reviewed in Maryland on January 6, 2026

The less I drive, the more I pay.

Guy

Verified Review

My Experience with State Farm

Reviewed in Maryland on November 18, 2025

I've been with State Farm my entire adult life. They've handled my claims without much difficulty. I wish they were not so expensive, but I compare with other companies regularly, and the rates are comparable.

Daniel

Verified Review

Excellent

Reviewed in Maryland on November 17, 2025

Too expensive!

Mike

Verified Review

What a ripoff

Reviewed in Maryland on November 15, 2025

Since 2021, my insurance has gone from $311 for 6 months to $906.22. No claims and no tickets in that time frame. Not to mention, I retired in 2021 and now I drive less than 4,000 miles a year. I feel like they are stealing from me.

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Our Advice

JD Power

J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.

657

NAIC Index

Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.

0.84

A.M. Best

A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).

A++

Why we picked this company

State Farm offers some of Baltimore’s lowest auto premiums, even if you have a speeding ticket, accident, or DUI on your record. It’s also one of the largest insurance companies in the country by market share. Its Steer Clear program allows drivers younger than 25 to earn savings while improving their driving skills. And parents may find State Farm's optional emergency road service coverage gives them peace of mind in knowing their teen drivers can get help if their car breaks down.

Pros

• Competitive pricing, with many available discounts

• Personalized service from a network of local agents

Cons

• Poor Trustpilot ratings

• Can’t buy a policy online

How to get the cheapest car insurance in Baltimore

Auto insurance companies base their rates on several factors, including your age; the year, make, and model of your vehicle; the policyholder’s credit score; and the ZIP code where your car is parked at night.

While some of these factors are outside your control, you can keep your auto insurance rates low by taking the following steps:

• Select a higher deductible. Choosing a higher deductible for your comprehensive and collision coverage means you’ll pay more out of pocket if you have a covered claim, but it also means you’ll pay less in premiums. If you can afford to pay your deductible out of pocket, it may be a good way to save money in the long run.

• Bundle your home and auto insurance. Many insurance companies offer discounts for policyholders who buy two or more policies from them. If you don’t own a home, you may qualify for lower rates when you bundle life insurance, renters, or other insurance products with your auto insurance.

• Take advantage of other discounts. Most auto insurance companies offer a variety of discounts to drivers. You may qualify for a discount for things like installing a car alarm, maintaining good credit, or keeping a clean driving record. Ask your insurance agent about available discounts.

• Shop around. Rates vary from company to company — even for the same coverage, location, and circumstances. Shopping for coverage with multiple different companies is a good way to find the best rate.

Find Cheap Car Insurance in Baltimore

Liability quotes in Baltimore start as low as $246/mo

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Cheapest liability-only car insurance in Baltimore: USAA

Liability-only car insurance covers the cost of damages to other vehicles, pedestrians, and property caused by the insured driver but not damage to the driver’s own vehicle.^[3]

Liability-only coverage is cheaper than full-coverage auto insurance, so you may be interested in one of these policies if you have an older model car that isn’t worth a lot. On average, Baltimore drivers pay $295 per month for liability insurance.

The table below shows the companies offering the cheapest liability-only policies in Baltimore.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
USAA	$246
CSAA	$249
Direct Auto	$266
Safeco	$269
Elephant	$286
GEICO	$293
National General	$297
Root	$299
Progressive	$303
Clearcover	$311
State Farm	$316
Erie	$359

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Baltimore: CSAA

Full-coverage auto insurance includes liability coverage, collision, and comprehensive coverage. Collision and comprehensive coverage protect your vehicle if it’s damaged in an accident or another covered incident, such as vandalism, weather, and theft. Full coverage offers greater financial protection than minimum coverage, and if you lease or finance your vehicle, you'll need to purchase full coverage.

The table below shows the insurance companies offering the cheapest full-coverage policies in Baltimore. The average cost of full-coverage insurance in Baltimore is $382 per month.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Average Monthly Quote
CSAA	$286
USAA	$328
Safeco	$344
Direct Auto	$389
GEICO	$390
Elephant	$412
Progressive	$423
State Farm	$423
Root	$447
National General	$452
Clearcover	$458
Erie	$480

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Car insurance requirements in Maryland

Drivers in Maryland must show proof of insurance to register their vehicles. All drivers must carry a minimum amount of bodily injury and property damage liability coverage purchased from an insurance company that’s licensed to do business in Maryland. The table below shows the minimum coverages you’ll need to carry to drive legally.^[4]

Coverage	Minimum Requirements
Bodily injury liability	$30,000 per person $60,000 per accident
Property damage liability	$15,000
Uninsured/underinsured bodily injury liability	$30,000 per person $60,000 per accident
Uninsured motorist property damage liability	$15,000

You may want to consider carrying more than the minimum required insurance coverage. Some optional insurance products to consider include:

• 

  Collision coverage

  This reimburses you for damage to your own vehicle due to a collision with another vehicle or object.

• 

  Comprehensive coverage

  This reimburses you for theft or damage to your car due to events other than a collision, such as theft, vandalism, hail, etc.

• 

  Medical payments coverage

  This covers healthcare costs if you or your passengers get injured in an accident.

• 

  Glass coverage

  This coverage pays to repair or replace your windshield, windows, and sunroof with no deductible.

• 

  Gap insurance

  This pays the difference between the fair market value of your vehicle and what you owe on your auto loan if it’s stolen or totaled in an accident.^[5]

Cheapest car insurance for drivers with an incident

Incidents include at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations. Having incidents on your driving record typically increases your car insurance rates above what drivers with a clean record pay because insurance companies see you as a higher risk and charge higher premiums to offset that risk.

On average, Baltimore drivers with a past incident on their record pay $333 per month for liability insurance and $382 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: CSAA

If you have a speeding ticket on your record, you’ll likely end up facing an increase in car insurance rates, depending on the severity of the ticket and how many you’ve gotten before. Speed was a factor in 15 of Baltimore's 46 fatal accidents in 2023, according to Zero Deaths Maryland data.

The following table shows how a speeding ticket affects liability insurance rates for Baltimore drivers. On average, liability insurance for Baltimore drivers with a past speeding ticket costs $351 per month.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Speeding Ticket
USAA	$246	$310
CSAA	$249	$308
Direct Auto	$266	$324
Safeco	$269	$346
Elephant	$286	$333
GEICO	$293	$374
National General	$297	$360
Root	$299	$389
Progressive	$303	$360
Clearcover	$311	$394
State Farm	$316	$391
Erie	$359	$463

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with an at-fault accident: USAA

Finding affordable car insurance after an at-fault accident can be tough. Insurers see you as higher risk than before the accident, and many will increase your rates significantly to account for the extra risk. On average, Baltimore drivers with a past accident pay $370 per month for liability insurance.

Here's a comparison of liability-only car insurance rates for Baltimore drivers with clean driving records vs. motorists with at-fault accidents.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With Accident
USAA	$321	$321
Direct Auto	$354	$354
CSAA	$356	$356
Elephant	$364	$364
Safeco	$367	$367
GEICO	$371	$371
Progressive	$380	$380
National General	$384	$384
Root	$389	$389
State Farm	$407	$407
Clearcover	$442	$442
Erie	$464	$464

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for drivers with a DUI: USAA

Driving under the influence of drugs or alcohol can be a costly mistake that affects your car insurance rates for years. If you’re convicted of a DUI, your current insurance company might decline to renew your policy, and finding a cheap replacement policy can be difficult.

Impaired drivers were involved in 10 fatal crashes in Baltimore in 2023. Drivers with a past DUI in Baltimore pay $475 per month for liability insurance. The following table shows how a DUI conviction affects liability car insurance rates for Baltimore drivers.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Clean Driving Record	With DUI
USAA	$246	$378
CSAA	$249	$383
Direct Auto	$266	$409
Safeco	$269	$441
Elephant	$286	$440
GEICO	$293	$449
National General	$297	$457
Root	$299	$465
Progressive	$303	$488
Clearcover	$311	$478
State Farm	$316	$486
Erie	$359	$553

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for seniors: USAA

The Insurance Institute for Highway Safety reports that drivers 70 and older have higher rates of fatal crashes per mile driven than middle-aged drivers. As a result, insurance companies tend to increase rates once drivers reach around age 70.^[6]

The insurance companies below offer some of the most competitive monthly rates for senior drivers in Baltimore. Senior drivers in Baltimore pay $255 per month for liability insurance and $330 for full-coverage insurance.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
CSAA	$200	$229
USAA	$200	$266
Direct Auto	$215	$314
GEICO	$233	$310
National General	$234	$356
Safeco	$235	$301
Elephant	$237	$341
State Farm	$249	$333
Root	$250	$374
Progressive	$262	$366
Clearcover	$273	$402
Erie	$275	$368

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: CSAA

Many car insurance companies charge higher rates for teen drivers because they have less driving experience and a higher number of accidents.^[7] Insurers consider them high risk and charge much higher rates to account for that extra risk. You can still find ways to save on car insurance policies for teens, though.

Teens can keep rates low by staying on their parents’ policy as long as possible and taking advantage of offerings, such as discounts for good students or taking a defensive driving course.

On average, teen drivers in Baltimore pay $446 per month for liability and $577 for full coverage. Compare the cheapest car insurance companies for teenage drivers in Baltimore below.

The below rates in Baltimore, MD, are estimated rates current as of: Sunday, March 1 at 11:00 AM PST. 

Insurance Company	Liability Only	Full Coverage
CSAA	$379	$435
USAA	$418	$558
Progressive	$458	$639
Elephant	$461	$664
Clearcover	$463	$682
Root	$471	$704
Direct Auto	$472	$691
GEICO	$480	$639
Safeco	$502	$641
National General	$557	$847
State Farm	$565	$756
Erie	$604	$808

Disclaimer: Table data sourced from real-time Baltimore car insurance quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual car insurance quotes in Baltimore may vary based on the policy buyer's unique driver profile.

Baltimore car insurance quotes by credit tier

Maryland allows car insurance companies to use your credit-based insurance score when determining your premiums.^[8] Insurance companies view drivers with a poor credit history as riskier and more likely to file claims than drivers with a good or excellent credit history. This means drivers with low credit often pay higher rates than people with higher credit scores.

The table below shows the average monthly rates in Baltimore for each credit tier.

Is car insurance more expensive in Baltimore?

Car insurance is more expensive in Baltimore than the national average for states in the U.S. — and even other cities in Maryland — due to a couple primary factors:

• Population density: Baltimore has a large population, which means there are a lot of cars on the road, and drivers are at greater risk of being involved in an accident.

• Location: Urban areas have higher crime rates, so insurance companies increase rates to offset the risk of cars being stolen or vandalized.^[9]

With an average liability insurance rate of $295 per month and a full-coverage rate of $382, it costs significantly more to insure a vehicle in Baltimore than most other cities in Maryland.

More cities in Maryland

To help compare the cost of car insurance amongst several popular cities in Maryland, consider the table below. It shows the average monthly premium for full-coverage policies in several Maryland cities. See how Baltimore’s rates stack up against other major cities in the state.

City	Liability Only	Full Coverage
Columbia	$167	$259
Frederick	$140	$204
Silver Spring	$187	$270

Disclaimer: Table data is based on real-time Baltimore quotes from Insurify’s network of 500+ insurance partners. Actual rates may vary depending on the policyholder’s individual profile and coverage needs.

Baltimore car insurance FAQs