Best Cheap Auto Insurance in Baltimore, Maryland (2024)

Baltimore drivers pay 43% more for car insurance than the statewide average.

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
Edited byDanny 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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Updated February 14, 2024 at 7:34 AM PST

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Baltimore is a densely populated city of nearly 600,000 people and is the largest city in Maryland. 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.

The average car insurance policy in Baltimore costs $460 per month — significantly higher than the Maryland state average of $321. If you’re looking for cheap Baltimore car insurance, finding the right balance between cost and coverage can be difficult. It’s worth shopping around and comparing different insurers to find the right fit.

Quick Facts
  • Baltimore drivers pay a whopping 231% more for car insurance than the national average of $139.

  • Insurers in Maryland can use your credit score when determining your premium.

  • Baltimore drivers must show proof of car insurance with minimum liability limits to register their vehicles.

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Best 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. Below are the top three insurers for different types of drivers in Baltimore.

USAA is the best for active military, 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.

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.
4.3
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.
$159/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.
$219/mo

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

Pros
  • Usage-based insurance (UBI) available in Maryland

  • Bundling discounts

Cons
  • Only available to active military, veterans, and their families

  • Bundling discounts not available for UBI insurance policies

They have stopped thinking about how today's financial strain is impacting their customers.

Darcy - November 26, 2023
Verified

Not satisfied with price hike even after lowering coverage.

Linda - November 3, 2023
Verified

Wonderful service, pricing, and care.

Robert - October 24, 2023
Verified
Read our USAA review

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.
4.3
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.
$261/mo

Boasting some of the lowest auto insurance premiums in the city, GEICO is best for drivers looking for coverage and affordability.

Pros
  • Can purchase a policy online

  • Highly rated mobile app

Cons
  • Gap insurance not available

  • Limited number of agents available in Baltimore

Everything good except the price.

RAY - December 4, 2023
Verified

I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.

Elizabeth - December 3, 2023
Verified

I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.

Denise - December 3, 2023
Verified
Read our GEICO review

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.
4.4
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.
$204/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.
$282/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.

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

I am happy with their coverage. I just bought a new car, and my insurance quadrupled. YIKES.

Stacy - December 4, 2023
Verified

Friendly service.

John - December 4, 2023
Verified

Got insurance established fast.

Robert - December 3, 2023
Verified
Read our State Farm review
Top 10 Cheapest Car Insurance Companies for February 2024

Top 10 Cheapest Car Insurance Companies for February 2024

Cheapest liability-only car insurance in Baltimore

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.[1]

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

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Safeco153
USAA159
Clearcover163
GEICO189
Midvale Home & Auto195
Liberty Mutual196
State Farm204
Erie231
Elephant232
Progressive246
Travelers276
CSAA279
Direct Auto294
Nationwide340
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

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.

The table below shows the insurance companies offering the cheapest full-coverage policies in Baltimore.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Monthly Quote
Clearcover207
USAA219
Safeco241
GEICO261
Travelers277
State Farm282
Erie320
Midvale Home & Auto329
Liberty Mutual331
Progressive340
Elephant347
CSAA371
Direct Auto374
Nationwide439
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.

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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.[2]

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.[3]

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.

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Cheapest car insurance for drivers with a speeding ticket

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. The following table shows the cheapest car insurance options available in Baltimore, Maryland, for drivers with a speeding ticket.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Clearcover266210
USAA268194
Safeco318202
GEICO320232
State Farm340246
Travelers345344
Erie427308
Midvale Home & Auto427253
Elephant428286
Progressive432312
Liberty Mutual437259
CSAA470353
Direct Auto483380
Nationwide543420
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

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. The table below shows the best cheap car insurance options for Baltimore drivers with an at-fault accident on their record.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
USAA282204
Clearcover325256
GEICO337244
Safeco341216
State Farm359259
Travelers361359
Erie444320
Elephant451301
Liberty Mutual459272
Midvale Home & Auto459272
Progressive459332
CSAA501377
Direct Auto507399
Nationwide570441
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

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.

The table below shows the insurance companies offering the most competitive rates for Maryland drivers with a DUI.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
Clearcover320252
USAA339246
Safeco373237
GEICO403292
Travelers428427
State Farm436315
Erie441318
Midvale Home & Auto509301
Liberty Mutual512303
Direct Auto520409
Progressive526380
Elephant536359
CSAA574431
Nationwide679526
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

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 75.[4]

The insurance companies below offer some of the most competitive monthly rates for senior drivers in Baltimore.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
USAA12792
State Farm144104
GEICO145105
Progressive156113
Travelers157156
Erie162117
Safeco164104
Clearcover169133
CSAA177133
Liberty Mutual195115
Elephant201134
Direct Auto208164
Nationwide218169
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

Many car insurance companies charge higher rates for teen drivers because they have less experience behind the wheel.[5] 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.

The table below shows the cheapest car insurance companies for teenage drivers in Baltimore, Maryland.

The below rates are estimated rates current as of: Thursday, February 1 at 11:00 AM PST
Insurance CompanyAverage Quote: Full Coverage Average Quote: Liability Only
USAA338245
Clearcover349275
GEICO383277
Safeco406258
State Farm452327
Travelers469467
Liberty Mutual531315
Elephant538360
Erie551397
Progressive574416
CSAA577434
Midvale Home & Auto590350
Direct Auto638501
Nationwide701543
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

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.

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Baltimore car insurance quotes by credit tier

Maryland allows car insurance companies to use your credit score when determining your premiums.[6] Insurance companies view drivers with poor credit as riskier and more likely to file claims than drivers with good or excellent credit. 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.

  • Urban areas: Urban areas have higher crime rates, so insurance companies increase rates to offset the risk of cars being stolen or vandalized.[7]

With an average full-coverage rate of $529, 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. Look at this data to see how Baltimore’s rates stack up against other major cities in the state.

CityAverage Monthly QuoteCompared to Baltimore
Frederick$289-45%
Hyattsville$411-22%
Laurel$374-29%
Parkville$452-15%
Silver Spring$333-37%
Upper Marlboro$405-23%
Waldorf$387-27%
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?

    Car insurance in Baltimore costs $460 per month, on average. Drivers pay an average of $529 per month for full-coverage car insurance and $390 per month for liability coverage. Your exact rate will depend on your insurer, age, driving record, credit history, vehicle type, chosen coverage level, and more.

  • What are the best car insurance companies in Baltimore?

    With an Insurify Quality (IQ) Score of 4.2 out of 5 and an A.M. Best financial strength rating of A++ (Superior), GEICO is the best car insurance company in Baltimore. 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.

  • Can auto insurers use your credit score in Maryland?

    Yes. Auto insurers can use your credit score in Maryland when determining your insurance premiums. Maintaining a healthy and strong credit score can ensure your rates stay low.

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. Insurance Information Institute. "Auto insurance basics—understanding your coverage." Accessed August 3, 2023
  2. Maryland Department of Transportation - Motor Vehicle Administration. "Insurance Requirements for Maryland Vehicles." Accessed August 3, 2023
  3. Insurance Information Institute. "What is auto insurance?." Accessed August 3, 2023
  4. Insurance Institute for Highway Safety. "Older Drivers." Accessed August 3, 2023
  5. Insurance Information Institute. "Auto insurance for teen drivers." Accessed August 3, 2023
  6. Maryland Insurance Administration. "Use of Your Credit History for Auto Insurance." Accessed August 3, 2023
  7. Baltimore Post-Examiner. "Why is Auto Insurance So Expensive in Baltimore?." Accessed August 3, 2023
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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