Compare Baltimore, MD Car Insurance Rates (2021)

Car insurance in Baltimore, MD averages $572 a month. Baltimore, Maryland car insurance requirements are 30/60/15, but you might need full coverage insurance if your car is financed. To find cheap Baltimore car insurance rates, compare quotes from the top car insurance companies in Baltimore, MD.

Free Car Insurance Comparison

 Secured with SHA-256 Encryption

Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

Full Bio →

Written by

Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

Full Bio →

Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.

Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Here's What You Need to Know

  • The cheapest ZIP code in Baltimore is 21240
  • The cheapest car insurance company in Baltimore for teen drivers is USAA
  • Average car insurance rates in Baltimore, MD after a DUI are $8,063/year

If you need to buy Baltimore, Maryland car insurance, the options can be confusing. Everything you need to know about car insurance in Baltimore, MD is right here.

You’ll find Baltimore car insurance rates, the cheapest Baltimore, MD car insurance companies, and information on Maryland car insurance laws. You can also compare Baltimore, Maryland car insurance rates to Rockville car insurance rates, Frederick car insurance rates, and Baltimore car insurance rates.

Ready to find affordable Baltimore, MD car insurance today? Enter your ZIP code for fast, free Baltimore car insurance quotes.

Cheapest Baltimore, MD Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Baltimore, MD car insurance rates? Every Baltimore, Maryland car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Baltimore, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,899 $4,663 $4,699 $4,817 $14,822 $17,441 $4,368 $4,391
GEICO $3,692 $4,046 $4,236 $4,909 $10,982 $12,339 $3,154 $3,258
Liberty Mutual $9,816 $9,816 $9,708 $9,708 $18,748 $27,627 $9,816 $13,108
Nationwide $3,115 $3,111 $2,807 $2,886 $7,418 $9,773 $3,621 $3,885
Progressive $3,855 $3,413 $3,321 $3,420 $14,019 $15,209 $4,438 $4,219
State Farm $3,805 $3,805 $3,513 $3,513 $11,413 $14,480 $4,259 $4,762
USAA $2,798 $2,744 $2,631 $2,616 $6,263 $7,357 $3,207 $3,576

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Minimum Car Insurance in Baltimore, MD

Every driver must carry the minimum car insurance in Baltimore, MD. Take a look at the Maryland car insurance requirements.

Minimum Required Car Insurance Coverage in Baltimore, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Baltimore, MD Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Baltimore, MD. Compare credit history car insurance rates in Baltimore from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Baltimore, Maryland

Insurance Company Poor Fair Good
Allstate $9,773 $6,783 $5,981
GEICO $6,611 $5,468 $5,401
Liberty Mutual $19,297 $12,486 $8,848
Nationwide $5,888 $4,124 $3,719
Progressive $8,183 $6,151 $5,126
State Farm $9,064 $5,374 $4,142
USAA $5,211 $3,568 $2,918

Cheapest Baltimore, MD Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Baltimore, MD to rates for a clean record with top companies.

Annual Baltimore, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,625 $8,887 $6,625 $7,913
GEICO $4,124 $6,452 $7,832 $4,900
Liberty Mutual $9,681 $12,774 $19,420 $12,299
Nationwide $4,012 $5,430 $4,302 $4,565
Progressive $5,503 $7,409 $6,662 $6,373
State Farm $5,539 $6,994 $6,121 $6,121
USAA $3,056 $3,766 $5,480 $3,294

Cheapest Baltimore, MD Car Insurance for Teen Drivers

Teen car insurance in Baltimore, MD can be expensive. Take a look at rates from the top car insurance companies in Baltimore for teenagers.

Annual Car Insurance Rates for Teen Drivers in Baltimore, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,822 $17,441
GEICO $10,982 $12,339
Liberty Mutual $18,748 $27,627
Nationwide $7,418 $9,773
Progressive $14,019 $15,209
State Farm $11,413 $14,480
USAA $6,263 $7,357

Cheapest Baltimore, MD Car Insurance for Seniors

Take a look at Baltimore, MD senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Baltimore, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,699 $4,817
GEICO $4,236 $4,909
Liberty Mutual $9,708 $9,708
Nationwide $2,807 $2,886
Progressive $3,321 $3,420
State Farm $3,513 $3,513
USAA $2,631 $2,616

Cheapest Baltimore, MD Car Insurance Rates After a DUI

A DUI in Baltimore, MD increases car insurance rates. Compare Baltimore, Maryland DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Baltimore, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,625
GEICO $7,832
Liberty Mutual $19,420
Nationwide $4,302
Progressive $6,662
State Farm $6,121
USAA $5,480

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Cheapest Baltimore, MD Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Baltimore, MD by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Baltimore, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,404 $7,621
GEICO $5,729 $5,924
Liberty Mutual $13,190 $13,897
Nationwide $4,577 $4,577
Progressive $6,487 $6,487
State Farm $6,027 $6,361
USAA $3,775 $4,023

Cheapest Baltimore, MD Car Insurance Rates by ZIP Code

Baltimore car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Baltimore, MD.

Annual Car Insurance Rates by ZIP Code in Baltimore, Maryland

ZIP Code Average Annual Rates
21201 $5,940
21202 $6,217
21205 $6,695
21206 $6,256
21207 $6,575
21208 $5,777
21209 $5,541
21210 $4,999
21211 $5,071
21212 $5,394
21213 $7,200
21214 $5,727
21215 $7,366
21216 $7,513
21217 $7,140
21218 $6,472
21223 $7,025
21224 $5,181
21225 $5,099
21226 $4,820
21227 $4,840
21230 $5,000
21231 $5,798
21233 $6,010
21234 $5,072
21236 $4,720
21237 $5,293
21239 $6,382
21240 $4,353
21250 $5,173
21251 $6,479

The Best Cheap Car Insurance Companies in Baltimore, MD

Take a look at a side-by-side comparison of the top car insurance companies in Baltimore, MD to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Baltimore, Maryland

Insurance Company Average Annual Rates
Allstate $7,513
GEICO $5,827
Liberty Mutual $13,543
Nationwide $4,577
Progressive $6,487
State Farm $6,194
USAA $3,899

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Category Winners: Cheapest Car Insurance in Baltimore, Maryland

Find the cheapest car insurance companies in Baltimore, MD for each category right here.

Best Annual Car Insurance Rates by Company in Baltimore, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Cheapest Baltimore, MD Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Baltimore car insurance rates. Find the cheapest Baltimore, MD car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Baltimore, Maryland

Insurance Company Low Medium High
Allstate $7,264 $7,442 $7,832
GEICO $5,572 $5,776 $6,133
Liberty Mutual $13,125 $13,510 $13,995
Nationwide $4,361 $4,593 $4,776
Progressive $6,114 $6,474 $6,872
State Farm $5,858 $6,213 $6,510
USAA $3,658 $3,912 $4,126

What affects car insurance rates in Baltimore, Maryland?

What factors can have an impact on Baltimore, MD car insurance? There are several reasons why Baltimore car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Baltimore, Maryland.

Car Theft in Baltimore

High levels of vehicle theft can make car insurance more expensive. Baltimore, MD car theft statistics from the FBI indicate 4,375 vehicle thefts a year.

Commute Time in Baltimore

The more time you spend in your car the higher the risk of an accident. The average commute length in Baltimore, MD is 31.4 minutes according to City-Data.

Traffic in Baltimore

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Baltimore, MD traffic data from INRIX ranks Baltimore as the 111th-most congested in the world.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption

Compare Car Insurance Quotes in Baltimore, MD

Ready to find affordable Baltimore, Maryland car insurance today? Enter your ZIP code for fast, free Baltimore, MD car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

 Secured with SHA-256 Encryption