Cheap Car Insurance Quotes in Baltimore (May 2026)
USAA offers the cheapest insurance in Baltimore, with average monthly rates of $192. Baltimore ranked No. 19 for vehicle thefts in the first half of 2025.
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Written byKatie Powers
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Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Edited byMacKenzie Korris
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MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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Reviewed byDaniel 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.
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Table of contents
- Average cost of car insurance in Baltimore, MD
- Baltimore liability car insurance
- Baltimore full-coverage car insurance
- Car insurance rates in other MD cities
- Why car insurance in Baltimore is so expensive
- Cheap car insurance in Baltimore by driving record
- Driving in Baltimore
- Cheap car insurance for Baltimore teen drivers
- Cheap car insurance quotes for Baltimore senior drivers
- Baltimore auto insurance FAQs
Table of contents
- Average cost of car insurance in Baltimore, MD
- Baltimore liability car insurance
- Baltimore full-coverage car insurance
- Car insurance rates in other MD cities
- Why car insurance in Baltimore is so expensive
- Cheap car insurance in Baltimore by driving record
- Driving in Baltimore
- Cheap car insurance for Baltimore teen drivers
- Cheap car insurance quotes for Baltimore senior drivers
- Baltimore auto insurance FAQs
How much is car insurance in Baltimore, MD?
The average cost of car insurance in Baltimore, Maryland, is $400 per month, according to Insurify data. Liability-only insurance averages $335 per month, and full coverage averages $465.
Baltimore’s average rates are much higher than in other cities like Columbia and more rural areas like Upper Marlboro. The city’s higher rates are partly due to its higher population density and higher vehicle theft rate. More car thefts usually lead to higher insurance rates. Baltimore ranks No. 19 in the U.S. for vehicle thefts, according to the National Insurance Crime Bureau.
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Cheapest liability-only car insurance in Baltimore: USAA
Baltimore drivers pay an average of $335 per month for liability-only car insurance. The city’s rates are significantly higher than the state average of $194 per month.
Maryland requires all drivers to have minimum liability coverage to drive legally. Liability insurance is typically the cheapest option, but it only covers injuries and damages you cause to others.
Maryland has 30/60/15 minimum liability requirements. That means you need $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability.[1]
The following table shows the cheapest rates for liability-only car insurance in Baltimore, according to Insurify data.
The below rates in Baltimore, MD, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $192 |
| Direct Auto | $211 |
| Safeco | $223 |
| CSAA | $226 |
| GEICO | $228 |
| Elephant | $236 |
| State Farm | $247 |
| Clearcover | $247 |
| Progressive | $250 |
| National General | $257 |
| Root | $268 |
| Erie | $281 |
| Liberty Mutual | $367 |
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
Baltimore drivers pay an average of $465 per month for full-coverage car insurance. Like the city’s liability rates, full coverage costs in Baltimore are higher than the state average in Maryland.
Full-coverage car insurance in Baltimore includes the state-mandated minimum coverage, plus collision and comprehensive coverage. Comprehensive and collision insurance help cover your injuries and damages after an accident. They also cover damage from things like weather, vandalism, and theft.
Because of Baltimore’s high vehicle theft rate, residents should consider a full-coverage policy.
The table below highlights the cheapest rates for full-coverage car insurance in Baltimore, according to Insurify data.
The below rates in Baltimore, MD, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| CSAA | $249 |
| Safeco | $291 |
| USAA | $294 |
| Elephant | $346 |
| GEICO | $350 |
| Direct Auto | $356 |
| Progressive | $367 |
| State Farm | $379 |
| Root | $397 |
| National General | $398 |
| Erie | $429 |
| Clearcover | $431 |
| Liberty Mutual | $488 |
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 rates in other Maryland cities
Baltimore car insurance rates are higher than those in other Maryland cities, including large cities like Columbia and smaller areas like Glen Burnie.
Baltimore has a higher population density, which means more drivers on the road and more accidents. The city also has a high rate of vehicle theft, which can increase insurance rates.[2]
Compared to the state average, Baltimore has higher rates for both full coverage and liability-only coverage.
The following table shows the average monthly insurance quotes for different cities in Maryland, based on Insurify data.
City | Average Monthly Quote |
|---|---|
| Baltimore | $400 |
| Columbia | $234 |
| Frederick | $194 |
| Glen Burnie | $248 |
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.
Why is car insurance in Baltimore so expensive?
Baltimore’s high vehicle theft rate is one of the reasons residents pay high average car insurance premiums. Baltimore ranks No. 19 in the U.S. for vehicle thefts. The more car thefts in an area, the more insurers charge for coverage.
Baltimore also experiences several types of extreme weather events, including coastal flooding and high winds from tornadoes and hurricanes.[3] Severe weather can increase car insurance rates because you’re more likely to file a weather-related claim.
Cheapest recent car insurance quotes in Maryland
Drivers using Insurify have found quotes as cheap as $87/mo for liability only and $134/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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ 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 May 12, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance quotes in Baltimore by driving record
Your driving record is one of the factors that Baltimore insurers consider when calculating your car insurance premiums. A clean driving record can result in lower rates. But speeding tickets, at-fault accidents, or driving under the influence (DUI) convictions can increase your premiums.
Here are some of the cheapest insurers for Baltimore drivers with different driving records, according to Insurify data.
Cheapest car insurance for Baltimore drivers with a clean driving record: USAA
Cheapest car insurance for drivers with a speeding ticket in Baltimore: USAA
Cheapest car insurance for Baltimore drivers with an at-fault accident: USAA
Cheapest car insurance for drivers with a DUI in Baltimore: USAA
Affordable car insurance for drivers with an incident in Baltimore
In Baltimore, 4% of drivers have a speeding ticket, 5% have caused an accident, and fewer than 1% have a driving under the influence (DUI) conviction, Insurify data shows.
Unlike some states, Maryland has two types of drinking and driving offenses. Driving with a blood alcohol concentration (BAC) of .08 or greater is considered driving under the influence. Driving with a BAC of .07 is considered driving while intoxicated (DWI).[4]
The following table shows average monthly auto insurance quotes for different driving records, based on Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $400 |
| Speeding ticket | $477 |
| At-fault accident | $496 |
| DUI | $644 |
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.
What to know about driving in Baltimore
Baltimore can be busy, with narrow roads and aggressive driving. To address aggressive driving in the city and across Maryland, the state introduced the Sergeant Patrick Kepp Act in October 2025.
The law strengthens the consequences for reckless, negligent, and aggressive drivers. Penalties for driving 30 mph over the speed limit can include up to 60 days in jail, a $1,000 fine, and six points on your driver’s license. Speeding, tailgating, or failing to yield can result in penalties of up to $1,000 and points on your license.[5]
Baltimore’s Department of Transportation’s “Toward Zero” program aims to eliminate serious accidents and deaths on Baltimore’s roads. The program plans to address risky driving on Interstate 83, a highway along the tight turns of the Jones Falls River.[6]
In 2022, the city installed speed cameras at the northbound and southbound intersection of I-83 and W. 41st Street. Since then, there’s been a decrease in crashes, especially around the Pepsi curve.
How Baltimore traffic affects car insurance rates
Drivers in Baltimore have an average commute time of 30 minutes, about 10% longer than the U.S. average. Traffic is a real issue in Baltimore, with drivers losing an average of 55 hours to congestion in 2024.[7] Congestion increases your risk of an accident and can increase your car insurance rates.
Many of Baltimore’s roads also need maintenance. Rough roads create dangerous driving conditions, and you may pay more for coverage if you live in an area with poorly maintained roads.
Cheap car insurance for Baltimore teen drivers: USAA
Baltimore teens pay an average of $606 per month for car insurance, which is higher than other age groups due to their riskier driving behaviors.
Baltimore teens can get their learner’s permit at 15 years and 9 months old. They can then get a provisional license at 16 years and 6 months, and a full license at 18.[8]
Maryland has a graduated driver licensing program, and young drivers must follow several restrictions. Drivers younger than 18 have to limit nighttime driving, the number of passengers in the car, and cell phone use.
The following table shows the cheapest rates for teenage drivers in Baltimore, according to Insurify data.
The below rates in Baltimore, MD, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $326 |
| Clearcover | $368 |
| GEICO | $378 |
| Direct Auto | $378 |
| Progressive | $379 |
| Elephant | $385 |
| CSAA | $403 |
| Safeco | $419 |
| Root | $425 |
| State Farm | $443 |
| National General | $475 |
| Erie | $476 |
| Liberty Mutual | $588 |
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.
Cheap car insurance quotes for Baltimore senior drivers: USAA
Because they have more driving experience, senior drivers in Baltimore typically pay the lowest auto insurance rates of any age group — policies average $355 per month.
While Baltimore doesn’t have a huge senior population compared to other cities, 22% of residents are 60 or older.[9]
The table below shows the most affordable rates for senior drivers in Baltimore, according to Insurify data.
The below rates in Baltimore, MD, are estimated rates current as of: Monday, May 11 at 12:00 PM PDT.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $158 |
| Direct Auto | $176 |
| CSAA | $178 |
| GEICO | $184 |
| Elephant | $196 |
| State Farm | $197 |
| Safeco | $198 |
| National General | $205 |
| Erie | $219 |
| Progressive | $222 |
| Clearcover | $222 |
| Root | $227 |
| Liberty Mutual | $310 |
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.
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Baltimore auto insurance FAQs
To help you find the best car insurance in Baltimore, check out the following answers to some of the most common questions from drivers in the city.
How much is car insurance in Baltimore?
Car insurance in Baltimore costs an average of $400 per month, according to Insurify data. Liability-only coverage costs an average of $335 per month, and full coverage averages $465.
What is the cheapest car insurance company in Baltimore?
USAA is the cheapest car insurance company in Baltimore, offering average rates of $192 per month. But how much you pay for car insurance depends on many factors, including your ZIP code and the coverage you choose.
How much auto insurance do you need in Maryland?
Maryland requires drivers to have at least $30,000 per person and $60,000 per accident of bodily injury liability coverage, and $15,000 of property damage liability. But minimum coverage often isn’t enough in a serious accident. Consider increasing your limits or adding full coverage for more financial protection.
What factors affect car insurance rates in Baltimore?
Many personal factors affect your car insurance rates in Baltimore, including your ZIP code, credit history, and driving record. The insurance company and coverage limits you choose also affect how much you pay for coverage. Comparing rates from different companies is the best way to find the best price for your driver profile.
How can you lower your car insurance rates in Baltimore?
Comparing rates from different companies is one of the easiest ways to lower your car insurance rates in Baltimore. You can also lower your costs by maintaining a safe driving record, asking your insurer about discounts, and raising your deductible. If you increase your deductible, make sure you can afford the extra out-of-pocket cost if you file a claim.
Methodology
Insurify data scientists analyzed more than 190 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 500+ 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
- 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.
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Sources
- Maryland Insurance Administration. "A Consumer Guide to Auto Insurance."
- Maryland Department of State Police. "Motor Vehicle Theft by County."
- Baltimore County Government. "Climate and Resiliency."
- The People's Law Library of Maryland. "DUI/DWI."
- Montgomery County Department of Police. "Sergeant Patrick Kepp Act Takes Effect October First."
- City of Baltimore. "Toward Zero."
- Texas A&M Transportation Institute. "Congestion Data for Your City."
- The People's Law Library of Maryland. "Drivers Licenses & Teens."
- U.S. Census Bureau. "Baltimore, Maryland."
)
Katie PowersLicensed P&C Agent, Senior Insurance Editor
Licensed auto and home insurance agent
4+ years experience in insurance and personal finance editing
NPN: 20564519
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Featured in
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
MacKenzie KorrisLicensed P&C Agent, Insurance Copy Editor
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
MacKenzie Korris is an insurance copy editor with a producer’s license for property and casualty insurance in Missouri.
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.