Compare Baltimore, MD Car Insurance Rates [2023]
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.
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Joel Ohman
Founder & CFP®
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...
Founder & CFP®
UPDATED: Jun 10, 2023
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.
UPDATED: Jun 10, 2023
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.
On This Page
- 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 and compare car insurance rates by age and gender.
| 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 |
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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.
| 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. You can also receive a good credit discount on your car insurance.
| 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 car insurance rates with a bad driving record in Baltimore, MD to rates for a clean record with top companies.
| 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.
| 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 those looking for car insurance for senior citizens.
| 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 car insurance rates after a DUI in Baltimore, Maryland to find the cheapest option.
| 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 |
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Cheapest Baltimore, MD Car Insurance Rates by Commute Length
How does mileage affect car insurance rates in Baltimore, MD by commute? Take a look at a comparison of the top companies by commute length.
| 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.
| 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.
| 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 |
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Category Winners: Cheapest Car Insurance in Baltimore, Maryland
Find cheap car insurance companies in Baltimore, MD for each category right here.
| 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, such as liability car insurance coverage.
| 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. Be aware of how cars are stolen to help prevent theft.
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
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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.
Frequently Asked Questions
What is the average monthly car insurance rate in Baltimore, MD?
The average monthly car insurance rate in Baltimore, MD is $572.
What are the car insurance requirements in Baltimore, MD?
The car insurance requirements in Baltimore, MD are 30/60/15, but if your car is financed, you may need full coverage insurance.
How can I find cheap car insurance rates in Baltimore, MD?
To find cheap car insurance rates in Baltimore, MD, you can compare quotes from the top car insurance companies.
What is the minimum car insurance required in Baltimore, MD?
Every driver must carry the minimum car insurance required in Baltimore, MD. Please refer to the Maryland car insurance requirements for more details.
How does credit score affect car insurance rates in Baltimore, MD?
Your credit score can affect car insurance costs. You can compare car insurance rates in Baltimore, MD based on credit history, such as good, fair, and poor credit.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
Secured with SHA-256 Encryption
Joel Ohman
Founder & CFP®
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...
Founder & CFP®
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.