Best Baltimore, MD Car Insurance in 2024 (Find the Top 10 Companies Here!)
State Farm, Geico, and Progressive stand out for offering the best Baltimore, MD car insurance starting from just $65 per month. They offer budget-friendly yet thorough coverage, perfect for those looking for discounts and reliable protection tailored to their driving needs.
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
UPDATED: Apr 17, 2024
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: Apr 17, 2024
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
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Full Coverage in Baltimore MD
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Full Coverage in Baltimore MD
A.M. Best Rating
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State Farm leads the way in providing the best Baltimore, MD car insurance, offering competitive rates starting from just $65 per month for comprehensive coverage.
Alongside Geico and Progressive, they offer affordable rates and a variety of comprehensive coverage options designed to meet your specific driving needs.
Company Rank Multi-Policy Discount A.M. Best Best For Jump to Pros/Cons
#1 17% A++ Extensive Coverage State Farm
#2 25% A++ Competitive Rates Geico
#3 10% A+ Bundling Policies Progressive
#4 10% A+ Local Agents Allstate
#5 12% A Extensive Coverage Liberty Mutual
#6 10% A Customizable Policies Farmers
#7 20% A Safe-Driving Discounts American Family
#8 8% A++ Accident Forgiveness Travelers
#9 15% A+ Safe-Driving Discounts Nationwide
#10 15% A+ Customer Service Erie
- State Farm provides competitive rates beginning at $65 per month
- Excellent driving habits can lead to cost savings with leading insurance providers
- Tailored discounted offers ensure the best insurance choices in Baltimore, MD
#1 – State Farm: Top Overall Pick
Pros
- Discount Opportunities: State Farm presents various discount options.
- Financial Stability: State Farm is supported by a financially secure company.
- Exceptional Customer Service: State Farm is renowned for its responsive and user-friendly service.
Cons
- Coverage Constraints: Driving needs may not be eligible for policy add-ons. Find out more in our State Farm car insurance review.
- Claims Process: People may encounter delays or complications when processing claims.
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#2 – Geico: Best for Competitive Rates
Pros
- Innovative Coverage Options: Geico offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, Geico makes it easy for customers to manage policies and claims.
- Strong Financial Stability: Geico’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find Geico’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our Geico insurance review, challenges with claims processing.
#3 – Progressive: Best for Bundling Policies
Pros
- Customized Policies: In our Progressive car insurance review, customized coverage options cater to cars.
- Robust Rates: Progressive provides affordable pricing.
- Price Reduction: Progressive offers various discount opportunities, including those specific to auto insurance.
Cons
- Claims Handling: People may experience delays or complications in the claims process.
- Limited Discounts: Progressive may not offer as many discounts as some competitors.
#4 – Allstate: Best for Local Agents
Pros
- Discount Prospects: Allstate provides tailored discount options for people.
- Financial Stability: Allstate is supported by a financially stable corporation.
- Excellent Customer Service: Allstate is renowned for its prompt and easily accessible service.
Cons
- Coverage Limitations: Certain additional policy features might not completely meet the needs of people. Use our Allstate car insurance review as your guide.
- Claims Handling: People may encounter delays or challenges during the claims procedure.
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#5 – Liberty Mutual: Best for Extensive Coverage
Pros
- Tailored Policies: Liberty Mutual offers customized coverage options for auto insurances.
- Competitive Prices: Liberty Mutual provides affordable rates.
- Exceptional Customer Service: Liberty Mutual is widely recognized for its prompt and easy-to-use service.
Cons
- Restricted Membership: Liberty Mutual membership is limited to military members, veterans, and their families.
- Limited Availability: Liberty Mutual’s availability may vary by location. Check other details through our Liberty Mutual car insurance review.
#6 – Farmers: Best for Customizable Policies
Pros
- Personalized Coverage: Farmers, as mentioned in our Farmers car insurance review, tailors to peoples’ needs.
- Cost-effective Premiums: Farmers offers affordable car insurance.
- Discount Availability: Farmers provides various offers, including those for cars.
Cons
- Limited Availability: Farmers mainly functions via local agents, potentially inaccessible in some regions.
- Policy Limitations: Specific additional coverage options may not completely meet requirements.
#7 – American Family: Best for Safe-Driving Discounts
Pros
- Innovative Coverage Options: American Family offers unique coverage options, such as Accident Forgiveness and Deductible Rewards, providing added value.
- User-friendly Technology: With intuitive mobile apps and online tools, American Family makes it easy for customers to manage policies and claims.
- Strong Financial Stability: American Family’s robust financial standing ensures policyholders have a reliable and stable insurance provider.
Cons
- Potentially Higher Premiums: Some customers may find American Family’s premiums slightly higher compared to other insurers.
- Mixed Customer Service Reviews: While many customers have positive experiences, some reports in our American Family insurance review, challenges with claims processing.
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#8 – Travelers: Best for Accident Forgiveness
Pros
- Competitive Rates: Our Travelers car insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Travelers provides customizable policies.
- Discounts: Travelers offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Travelers operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet cars’ needs.
#9 – Nationwide: Best for Safe-Driving Discounts
Pros
- Wide Range of Coverage Options: Nationwide offers a comprehensive selection of coverage options, allowing customers to tailor policies to their needs.
- Vanishing Deductible Feature: The Vanishing Deductible program rewards safe driving by reducing deductibles over time.
- Member Discounts: Nationwide provides discounts for various affiliations and memberships, enhancing affordability for certain groups.
Cons
- Average Customer Satisfaction: Customer satisfaction ratings vary, as mentioned in our Nationwide insurance review with some customers reporting average experiences.
- Varied Premiums: Premiums may vary based on location and individual profiles, potentially impacting overall affordability.
#10 – Erie: Best for Customer Service
Pros
- Competitive Rates: Our Erie car insurance review reveals competitive rates that are budget-friendly.
- Comprehensive Coverage Options: Erie provides customizable policies.
- Discounts: Erie offers various discounts, including those tailored for cars.
Cons
- Limited Local Agents: Erie operates primarily online and over the phone.
- Coverage Limitations: Some policy add-ons may not fully meet classic cars’ needs.
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The Cost of Car Insurance in Baltimore
Car insurance costs in Baltimore, MD, vary based on coverage type and usage. Some choose comprehensive coverage to protect against non-collision incidents, while others prefer collision coverage. It’s important to always comply with your state’s minimum insurance requirements.
Insurance Company Minimum Coverage Full Coverage
Allstate $75 $165
American Family $80 $170
Erie $52 $130
Farmers $68 $160
Geico $55 $135
Liberty Mutual $58 $145
Nationwide $72 $155
Progressive $70 $155
State Farm $65 $150
Travelers $62 $140
Considering these variables, the overall cost of car insurance relies on the chosen coverage level and your driving frequency. Regardless of your individual needs as a vehicle owner, there’s a tailored coverage package available for you. Just enter your ZIP code to begin.
Driving in Baltimore
Navigating the bustling roads of Baltimore, filled with construction and potholes, demands vigilant driving. Employing defensive driving techniques, staying mindful of road conditions, and utilizing resources like the Maryland Tollway website can save time and money.
It’s vital to incorporate effective defensive driving techniques to maintain low premiums and ensure safety while driving. With almost one-third of Baltimore’s roads in poor condition, it’s crucial to explore alternatives such as comparing car insurance rates and taking advantage of the good credit discount to reduce expenses over time.
Factors Affecting Car Insurance Rates in Baltimore, Maryland
Car insurance rates and discounts in Baltimore, Maryland are impacted by a range of factors, such as driving record, car model, coverage extent, age, gender, location, credit score, deductible, and eligibility for discounts.
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Unique Baltimore Laws
Compare Car Insurance Quotes in Baltimore, MD
When navigating the multitude of auto insurance companies in Baltimore, MD, it’s crucial to find a balance between comprehensive coverage and affordability. By obtaining quotes from various providers like State Farm, Geico, and Progressive, you can secure the most cost-effective car insurance rates while ensuring adequate protection for your vehicle.
Whether you’re seeking auto insurance companies in Baltimore, Maryland, or simply aiming for the best rates by zip code, conducting a thorough exploration of your options and understanding your coverage needs is essential for making an informed decision. Research local providers, compare quotes, and refer to resources like “Agreed Value Car Insurance: Explained Simply” for clarity. Enter your ZIP code now to compare.
Frequently Asked Questions
What is the average monthly auto insurance rate in Baltimore, MD?
What are the car insurance requirements in Baltimore, MD?
How can I find cheap car insurance rates in Baltimore, MD?
What is the minimum car insurance required in Baltimore, MD?
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. Enter your ZIP code to start comparing.
What are the minimum requirements for insurance coverage in the state of Maryland?
Should I purchase extra coverage for my antique or classic car?
What are the minimum requirements to operate a food truck in Maryland?
Do I need special insurance to drive for a rideshare company?
How do age and gender affect car insurance rate in Baltimore?
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Michael Vereecke
Commercial Lines Coverage Specialist
Michael Vereecke is the president of Customers First Insurance Group. He has been a licensed insurance agent for over 13 years. He also carries a Commercial Lines Coverage Specialist (CLCS) Designation, providing him the expertise to spot holes in businesses’ coverage. Since 2009, he has worked with many insurance providers, giving him unique insight into the insurance market, differences in ...
Commercial Lines Coverage Specialist
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.
