120+ more*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on October 5, 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 October 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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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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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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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
The average cost of car insurance in Baltimore, Maryland, is $364 per month, according to Insurify data. Liability-only insurance averages $312 per month, and full coverage averages $415.
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.
Check rates from the city’s top insurers, starting at $172 per month
Baltimore drivers pay an average of $312 per month for liability-only car insurance. The city’s rates are significantly higher than the state average of $191 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.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $172 |
| Allstate | $175 |
| Direct Auto | $203 |
| Safeco | $220 |
| State Farm | $220 |
| GEICO | $230 |
| Elephant | $232 |
| Clearcover | $239 |
| Erie | $250 |
| Progressive | $252 |
| National General | $254 |
| GAINSCO | $280 |
| Root | $291 |
| Travelers | $298 |
| Bristol West | $314 |
| Liberty Mutual | $358 |
Baltimore drivers pay an average of $415 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.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $257 |
| Safeco | $295 |
| State Farm | $330 |
| CSAA | $335 |
| Progressive | $354 |
| Allstate | $355 |
| Elephant | $358 |
| GEICO | $363 |
| Erie | $374 |
| Direct Auto | $382 |
| National General | $411 |
| Root | $437 |
| Clearcover | $443 |
| Travelers | $445 |
| Liberty Mutual | $486 |
| GAINSCO | $546 |
| Bristol West | $724 |
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 | $364 |
| Columbia | $217 |
| Frederick | $170 |
| Glen Burnie | $219 |
| Silver Spring | $227 |
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.
*Quotes generated for Insurify users in and around Baltimore, Maryland within the last 10 days. Last updated on October 5, 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 October 5, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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
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 | $364 |
| Speeding ticket | $432 |
| At-fault accident | $447 |
| DUI | $586 |
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.
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.
Baltimore teens pay an average of $543 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.
Insurance Company | Average Monthly Quote |
|---|---|
| Allstate | $261 |
| USAA | $284 |
| Clearcover | $349 |
| Direct Auto | $360 |
| Progressive | $376 |
| GEICO | $377 |
| Elephant | $383 |
| State Farm | $386 |
| Root | $389 |
| Erie | $411 |
| Safeco | $412 |
| GAINSCO | $441 |
| National General | $458 |
| Bristol West | $501 |
| Travelers | $564 |
| Liberty Mutual | $564 |
Because they have more driving experience, senior drivers in Baltimore typically pay the lowest auto insurance rates of any age group — policies average $322 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.
Insurance Company | Average Monthly Quote |
|---|---|
| USAA | $141 |
| Allstate | $155 |
| Direct Auto | $168 |
| State Farm | $175 |
| GEICO | $185 |
| Elephant | $189 |
| Safeco | $194 |
| Erie | $195 |
| National General | $202 |
| Clearcover | $213 |
| Progressive | $223 |
| Travelers | $241 |
| GAINSCO | $243 |
| Bristol West | $265 |
| Root | $271 |
| Liberty Mutual | $300 |
Compare quotes from top car insurance companies
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.
Car insurance in Baltimore costs an average of $364 per month, according to Insurify data. Liability-only coverage costs an average of $312 per month, and full coverage averages $415.
USAA is the cheapest car insurance company in Baltimore, offering average rates of $172 per month. But how much you pay for car insurance depends on many factors, including your ZIP code and the coverage you choose.
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.
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.
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.
Insurify data scientists analyzed more than 250 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:
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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.
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.
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.
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
