Cheapest Auto Insurance in Baltimore, Maryland (2024)

USAA offers the cheapest car insurance in Baltimore, with minimum-coverage policies as low as $158 per month.

Janet Berry-Johnson
Janet Berry-Johnson
  • 8+ years writing about insurance, taxes, and personal finance

  • Certified public accountant

Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.

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Danny Smith
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Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

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Daniel Roccato
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Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

Updated June 12, 2024

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Cheapest recent rates near Baltimore, Maryland

Drivers using Insurify have found quotes as cheap as $81/mo for liability only and $116/mo for full coverage in Baltimore and other Maryland cities.

*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

Car insurance in Baltimore — the largest city in Maryland — costs $292 per month for liability insurance. This is significantly higher than the Maryland state average of $179 for liability and the national average of $105.

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.

Quick Facts
  • USAA, Safeco, and GEICO have the cheapest liability insurance in Baltimore on average.

  • On average, Baltimore drivers pay $457 per month for full-coverage insurance, which is higher than the Maryland state average of $321.

  • About 15.1% of Maryland drivers are uninsured, according to estimates from the Insurance Information Institute.[2]

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full CoverageLiability OnlyBest for
USAA4.7$156$105Military members
GEICO4.4$185$125Affordable rates
State Farm4.6$201$135Teen drivers
  • Our editorial team spent 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.

    • Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.

Best insurer for military members: USAA

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.7
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$158/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.
$234/mo

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

Read our USAA review
Harold - June 9, 2024
Verified

Great

I have been with them for 30 years.

Margaret - June 8, 2024
Verified

Very Happy Customer

My experience has been very good, so I would definitely recommend this company to anyone who qualifies for coverage.

Larry - June 8, 2024
Verified

Fantastic

It's great and cheaper than any other insurance companies.

Best insurer for affordable rates: GEICO

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.4
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$189/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.
$277/mo

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

Read our GEICO review
Jacqueline - June 11, 2024
Verified

Horrible

I am very upset that my policy increased from 242 to 329. I am 62 years old and I believe I should not be paying that much for a car that will be paid off next month.

Frank - June 11, 2024
Verified

Geico is My Winner

So far, Geico has offered the best price for insurance.

Addis - June 11, 2024
Verified

High Premium

High premium.

Best insurer for teen drivers: State Farm

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.6
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
842
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.
$205/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.
$302/mo

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

Read our State Farm review
Ray - June 11, 2024
Verified

Took months to get an adjuster for my water leak in the house

Find someone else.

George - June 11, 2024
Verified

Thinking about Switching

Shop around, the prices could be better.

Lawrence - June 11, 2024
Verified

Feels Like Someone's Watching Me, I'm Not Switching

Where did you get the idea that I was switching? That's untrue. I'm in good standing with my current insurance company.
Top 10 Cheapest Car Insurance Companies for June 2024

Top 10 Cheapest Car Insurance Companies for June 2024

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 $158/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 $292 per month for liability insurance.

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

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA158
Safeco167
GEICO189
State Farm205
Midvale Home & Auto211
Erie232
Progressive247
Elephant250
Liberty Mutual258
CSAA271
Travelers276
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest full-coverage car insurance in Baltimore: USAA

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 $457 per month.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
USAA234
Safeco253
GEICO277
State Farm302
Midvale Home & Auto323
Erie341
CSAA363
Progressive363
Liberty Mutual398
Elephant404
Travelers406
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Recent quotes for drivers in and around Baltimore, Maryland

Drivers in and around Baltimore, Maryland have found policies from USAA, Bristol West, GAINSCO, and more, through Insurify in the last few days.

*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.

*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on June 12, 2024

Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from June 12, 2024. Actual quotes 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    Collision coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/4c9753bdbe/medical-payments.svg

    Medical payments coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/73ee7a876e/repair.svg

    Glass coverage

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

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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 $391 per month for liability insurance and $457 for full coverage.

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Cheapest car insurance for drivers with a speeding ticket: USAA

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 $388 per month.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
USAA158196
Safeco167212
GEICO189236
State Farm205253
Midvale Home & Auto211272
Erie232296
Progressive247308
Elephant250345
Liberty Mutual258356
CSAA271347
Travelers276347
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $400 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 are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
USAA206206
Safeco211211
GEICO247247
State Farm266266
Midvale Home & Auto291291
Erie308308
Elephant320320
Progressive327327
Travelers362362
Liberty Mutual368368
CSAA370370
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes 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 $458 per month for liability insurance. The following table shows how a DUI conviction affects liability car insurance rates for Baltimore drivers.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
USAA158257
Safeco167272
GEICO189308
State Farm205334
Midvale Home & Auto211344
Erie232378
Progressive247402
Elephant250407
Liberty Mutual258420
CSAA271441
Travelers276449
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
How Long Does a DUI Stay on Your Record?

How Long Does a DUI Stay on Your Record?

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 $226 per month for liability insurance and $354 for full-coverage insurance.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA122180
Safeco131198
GEICO146214
State Farm154227
Midvale Home & Auto155238
Erie166245
Progressive171251
Elephant191309
Liberty Mutual198306
CSAA205274
Travelers210308
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Cheapest car insurance for teens: USAA

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 $445 per month for liability and $696 for full coverage. Compare the cheapest car insurance companies for teenage drivers in Baltimore below.

The below rates are estimated rates current as of: Saturday, June 1 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
USAA240356
GEICO271398
State Farm319470
Safeco325492
Midvale Home & Auto337517
Erie358527
Elephant378611
CSAA407545
Progressive412606
Liberty Mutual442682
Travelers458674
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
The 10 Best and Worst Car Insurance Comparison Sites for 2024

The 10 Best and Worst Car Insurance Comparison Sites for 2024

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.

Rates by Credit Tier

Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

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 $292 per month and a full-coverage rate of $457, 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.

CityLiability OnlyFull Coverage
Columbia$166$317
Frederick$129$215
Silver Spring$168$297
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.

Baltimore car insurance FAQs

Finding the right car insurance can be difficult. Below, you’ll find answers to some commonly asked questions about how to find the best car insurance in Baltimore.

  • How much is car insurance in Baltimore?

    Baltimore drivers pay an average of $457 per month for full-coverage car insurance and $292 for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • Who has the cheapest car insurance in Baltimore?

    With an average liability insurance rate of $158 per month, USAA has the cheapest car insurance in Baltimore. Safeco and GEICO also have cheap coverage, with respective average rates of $167 and $189 per month. The best way to find cheap coverage is to compare quotes from multiple insurance companies.

  • What are the best car insurance companies in Baltimore?

    With an Insurify Quality (IQ) Score of 4.4 out of 5 and an AM Best financial strength rating of A++ (Superior), GEICO is the best car insurance company in Baltimore. The average cost of car insurance from GEICO in Maryland is $125 per month for liability insurance and $185 for full coverage. Of the insurers Insurify has rate data for, other top Baltimore insurers include State Farm and USAA.

  • Why is car insurance so expensive in Baltimore?

    Car insurance is so expensive in Baltimore primarily due to its population density and high crime rates. Insurers see these risk factors and consider them likely to increase the chances that you’ll need to file an insurance claim. To account for this increased risk, car insurance companies in Baltimore charge higher premiums than many other Maryland cities.

Methodology

Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.

Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).

Liability-only premium averages correspond to policies with the following coverage limits:

  • Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
  • Property damage limits between $10,000 and $50,000
  • No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • Comprehensive coverage with a $1,000 deductible
  • Collision coverage with a $1,000 deductible

Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.

Sources

  1. Baltimore Police Department. "Crime Stats."
  2. Insurance Information Institute. "Facts + Statistics: Uninsured motorists."
  3. Insurance Information Institute. "Auto insurance basics—understanding your coverage."
  4. Maryland Department of Transportation - Motor Vehicle Administration. "Insurance Requirements for Maryland Vehicles."
  5. Insurance Information Institute. "What is auto insurance?."
  6. Insurance Institute for Highway Safety. "Older Drivers."
  7. Insurance Information Institute. "Auto insurance for teen drivers."
  8. Maryland Insurance Administration. "Use of Your Credit History for Auto Insurance."
  9. Baltimore Post-Examiner. "Why is Auto Insurance So Expensive in Baltimore?."
Janet Berry-Johnson
Janet Berry-Johnson

Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.

Danny Smith
Edited byDanny Smith
Photo of an Insurify author
Danny Smith
  • Licensed auto and home insurance agent

  • 4+ years in content creation and marketing

As Insurify’s home and pet insurance editor, Danny also specializes in auto insurance. His goal is to help consumers navigate the complex world of insurance buying.

Featured in

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Daniel Roccato
Reviewed byDaniel RoccatoAdvisor
Headshot of industry expert Daniel Roccato
Daniel RoccatoAdvisor
  • 30+ years in financial services

  • Clinical Professor of Finance, University of San Diego

Dan is a well-recognized and widely quoted financial services expert, regularly appearing in a variety of national and local media as a subject matter expert.

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