How to find the cheapest car insurance in Baltimore
On average, auto insurance in Baltimore costs about $176 per month for minimum coverage liability insurance and about $204 per month for full coverage insurance. Baltimore drivers pay 56% more than the average.
With dozens of popular insurance companies to choose from, finding the best rate can be tricky. The easiest way to find affordable rates without compromising coverage is to shop around and compare car insurance quotes.
Savvy Baltimore drivers trust Jerry Insurance Agency to help them find the best rates on car insurance without the hassle.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $517 | 33 | 21217 | Nissan Sentra S | State Minimum | Yes |
| Electric | $266 | 46 | 21217 | Infiniti G37 | State Minimum | Yes |
| Gainsco | $514 | 24 | 21206 | Ford Taurus X Sel | State Minimum | No |
| Gainsco | $298 | 31 | 21224 | Hyundai Elantra Gls | State Minimum | No |
| Bristol West | $1,027 | 29 | 21207 | Chevrolet Camaro Ls | State Minimum | Yes |
Best car insurance companies in Baltimore
If you’re looking for the best car insurance in Baltimore, Jerry conducted a survey to uncover the best providers for drivers.
The study found that there’s no “best” or “cheapest” insurance provider for all drivers. Every insurance company emphasizes different variables to calculate rates, so not every company will offer the same rate for the same driving profile.
In Baltimore, customers rated Kemper the highest for customer satisfaction, claims processing, and policy cost, but ROOT, USAA, State Farm, and Travelers also scored well.
Here’s what drivers in Baltimore have to say about these insurance providers.
| Insurance company | Overall rating | Price | Claims experience | Customer service |
|---|---|---|---|---|
| State Farm | 4.7 | 4.5 | N/A | 4.8 |
| Liberty Mutual | 4.5 | 3.7 | N/A | 4.8 |
| Geico | 4.3 | 3.7 | N/A | 4.2 |
| Progressive | 4.2 | 3.4 | 3.9 | 4.3 |
| Allstate | 3.8 | 3.3 | 4.2 | 3.8 |
How’d we get these scores?
Jerry’s experts conducted one of the largest car insurance surveys in the United States. We surveyed 15,000 policyholders, in all 50 states, over the span of 18 months. These policyholders hold insurance policies with 87 different insurance companies. We surveyed policyholders to gauge their satisfaction with their insurance carriers in: policy cost, customer service, buying and renewal experience, as well as claim experience. These scores were all reported by real customers of the insurance companies.
Best cheap car insurance quotes in Baltimore
All Baltimore drivers must meet the state’s minimum insurance requirements before getting behind the wheel.
Maryland only requires drivers to purchase liability car insurance, uninsured/underinsured motorist coverage (UM/UIM), and personal injury protection (PIP), but they may also choose to purchase full-coverage auto insurance for greater financial protection.
Cheap minimum liability insurance quotes in Baltimore
Maryland’s car insurance laws require drivers to carry minimum liability insurance that follows a 30/60/15 pattern—so Baltimore drivers must have the following:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $15,000 property damage liability per accident
If you’re looking for an affordable insurance policy in Baltimore, Jerry recently helped several drivers find liability insurance coverage.
Do you need more than minimum coverage in Baltimore?
Maryland law mandates that drivers must have liability insurance that meets the minimum coverage car insurance requirements, in addition to UM/UIM and PIP.
While the coverage limits are higher than in some states, Baltimore drivers should consider purchasing insurance coverage that exceeds the 30/60/15 minimum.
Medical bills and vehicle damages can easily exceed the state-mandated minimum if you’re involved in an at-fault accident.
A serious crash where your car is totaled can leave you with a bill of more than $50,000, meaning you’re on the hook for paying anything above the mandated limits.
For better financial protection, Baltimore drivers should consider purchasing a full-coverage policy—or at least increasing their liability insurance limit to 50/100/50 or even 100/200/100.
Cheap full coverage car insurance quotes in Baltimore
Buying a full coverage car insurance policy is one of the quickest and easiest ways to protect yourself against costs associated with vehicle repair or replacement if you’re involved in an accident. While full coverage insurance is more protective than liability insurance alone, it can be tricky to find cheap quotes.
A full coverage policy in Maryland usually includes comprehensive and collision coverage:
- Collision insurance: Covers the cost of repairs to your vehicle or, in the event of a total loss, will issue you the fair market value of your car before the accident. Collision coverage is subject to a deductible.
- Comprehensive insurance: Covers the cost of damages to your car resulting from causes other than an accident, including theft, vandalism, glass breakage not resulting from an accident, or hitting an animal or sign with a car. This coverage is also subject to a deductible.
If you lease your vehicle, most lenders will require you to purchase a full coverage policy that includes collision and comprehensive coverage.
Here are a few recent examples where Jerry helped Baltimore drivers find affordable full-coverage insurance policies.
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Progressive | $517 | 33 | 21217 | Nissan Sentra S | State Minimum | Yes |
| Electric | $266 | 46 | 21217 | Infiniti G37 | State Minimum | Yes |
| Bristol West | $1,027 | 29 | 21207 | Chevrolet Camaro Ls | State Minimum | Yes |
| Electric | $1,052 | 35 | 21217 | Chevrolet Impala Premier | State Minimum | Yes |
| Electric | $757 | 22 | 21218 | Jeep Cherokee Sport | State Minimum | Yes |
The easiest and fastest way to find the cheapest car insurance for your preferred coverage option is to compare car insurance rates online.
Jerry, a top insurance agency, offers a free app that compares car insurance quotes and provides end-to-end service to customers with the help of 100+ licensed insurance agents.
Average cost of car insurance in Baltimore
In helping hundreds of Baltimore drivers find cheaper rates, we found the average cost for minimum liability coverage to be $176 per month or $2,112 per year.
The average cost for full coverage insurance in Baltimore is $204 per month or $2,451 per year.
The average cost for car insurance in Baltimore is a good way to estimate what you can expect to pay—but insurance costs are determined by a variety of factors like age, location, vehicle make and model, driving record, and claims history, so they may vary based on the individual and the provider.
Average cost of car insurance in Baltimore by zip code
Car insurance costs in Baltimore vary significantly based on your zip code.
Each zip code has its own distinct risk profile, which directly impacts your quotes. If you happen to live in a neighborhood with a higher occurrence of auto theft and accidents, insurers will deem your area higher risk, resulting in higher premiums.
| Zip Code | Average State Minimum Coverage Rate | Average Full Coverage Rate |
|---|---|---|
| 21201 | $145 | $197 |
| 21208 | $103 | $357 |
| 21209 | $156 | $218 |
| 21210 | $172 | $326 |
| 21211 | $65 | $209 |
| 21212 | $130 | $227 |
| 21215 | $183 | $351 |
| 21217 | $35 | $323 |
| 21218 | $180 | $336 |
| 21219 | $77 | $292 |
| 21220 | $178 | $356 |
| 21222 | $151 | $279 |
| 21224 | $190 | $252 |
| 21225 | $150 | $269 |
| 21231 | $152 | $155 |
| 21234 | $165 | $279 |
| 21244 | $132 | $285 |
Car insurance quotes in Baltimore by rating factors
Insurance providers use rating factors to determine premiums for various age groups. Some of the most common factors affecting rates in Baltimore include:
- Driving record and claims history: Insurance companies charge more if you have accidents or tickets on your driving record.
- Vehicle make and model: Luxury, high-performance, and sports cars have higher insurance premiums than non-luxury and less expensive ones.
- How you use your car: Cars driven for work generally have higher insurance premiums than cars driven for leisure.
- Your credit score: Some insurers look at credit score before quoting insurance premiums—drivers with higher credit scores usually pay less for the same insurance coverage.
Cheap car insurance quotes in Baltimore after driving violations
Whether major or minor, a driving violation in Baltimore can have significant implications for your car insurance rates.
A driver with violations on their driving record is considered a “high-risk driver” and is subject to higher insurance rates.
Cheapest car insurance in Baltimore after speeding ticket
The penalty for speeding in Baltimore depends on how fast you were driving over the posted limit, but all cases of speeding come with a fine and driving points on your record:
- Violation of the basic speeding law: $90 fine and one point
- Exceeding a posted speed limit by 1 to 9 miles per hour: $80 fine and one point
- Exceeding a posted speed limit by 10 to 19 miles per hour: $90 fine and two points
- Exceeding a posted speed limit by 20 to 29 miles per hour: $160 fine and two points
- Exceeding a posted speed limit of 65 or 75 miles per hour by 10 to 19 miles per hour: $160 fine and two points
- Exceeding a posted speed limit of 65 or 75 miles per hour by 20 to 29 miles per hour: $290 fine and five points
- Exceeding a posted speed limit by 30 to 39 miles per hour: $290 fine and five points
- Exceeding a posted speed limit by at least 40 miles per hour: $530 fine and five points
Speeding tickets are never ideal and can do serious damage to your driving record, but Jerry can help you save on car insurance!
Check out the table below for real-life examples of how Jerry helped Baltimore drivers with speeding tickets save on car insurance.
|
Speeding Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Speeding Violation-Minor | Gainsco | $933 | 34 | 21230 | Lincoln Mkz Reserve Ii | State Minimum | Yes |
| Speeding 11-15 | Progressive | $678 | 31 | 21229 | Honda Accord Ex | State Minimum | No |
| Speeding Violation-Minor | Electric | $344 | 49 | 21216 | Lexus Es 350 | State Minimum | Yes |
| Speeding 11-15 | Bristol West | $1,008 | 23 | 21206 | Honda Accord Lx | State Minimum | Yes |
| Speeding Violation-Minor | Gainsco | $296 | 47 | 21206 | Nissan Rogue Krom | State Minimum | No |
Cheapest car insurance in Baltimore after DUI
A serious traffic violation like a DUI in Maryland can considerably increase your car insurance premium, as a DUI lumps you into the “high-risk driver” category. If an insurer is willing to insure you, you’ll typically pay a much higher premium than other drivers in Baltimore without a DUI.
The best way to secure an affordable rate with a DUI on your record is to shop around for car insurance quotes from various providers.
Cheapest car insurance in Baltimore after an at-fault accident
Your driving record has a significant impact on how much you pay for car insurance, and if you have any at-fault accidents, you’ll likely see a higher rate.
Insurers look at any at-fault accidents you’ve had to determine how much of a risk you are. The more at-fault accidents, the more high-risk you are.
When it’s time to renew your policy, you’ll likely see an increase in your premium. Rest assured, Jerry has helped many drivers in Baltimore find ways to save, despite their accident histories.
|
Accident Type
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| At Fault With No Injury | Electric | $266 | 46 | 21217 | Infiniti G37 | State Minimum | Yes |
| Not At Fault | Electric | $198 | 39 | 21222 | Nissan Altima 2.5 | State Minimum | No |
| At Fault With No Injury | Bristol West | $267 | 35 | 21229 | Chevrolet Malibu Lt | State Minimum | No |
| Not At Fault | Gainsco | $311 | 27 | 21201 | Hyundai Sonata Se | State Minimum | No |
| At Fault With No Injury | Progressive | $173 | 26 | 21207 | Lincoln Town Car Cartier | State Minimum | No |
Cheapest car insurance in Baltimore after other driving violations
A DUI or speeding ticket can lead to a spike in car insurance rates for Baltimore drivers. However, it’s not just major violations that cause increases. Failing to stop at a stop sign, driving without insurance, or driving without a license are all violations that can increase premiums.
Check out some examples of how Jerry helped Baltimore drivers with violations find affordable insurance.
|
Violation
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| Other Minor | Bristol West | $1,027 | 29 | 21207 | Chevrolet Camaro Ls | State Minimum | Yes |
| Other Minor | Bristol West | $267 | 35 | 21229 | Chevrolet Malibu Lt | State Minimum | No |
| Other Minor | Progressive | $173 | 26 | 21207 | Lincoln Town Car Cartier | State Minimum | No |
| Other Minor | Gainsco | $365 | 23 | 21229 | Honda Accord Hybrid | State Minimum | No |
| Cell Phone | Progressive | $632 | 65 | 21206 | Ford Expedition Eddie Bauer | State Minimum | No |
Cheap car insurance quotes in Baltimore by age
How much you pay for car insurance depends on many factors, including your age. Drivers 16 to 19 are subject to some of the highest insurance premiums of any age group in Baltimore due to a lack of driving experience.
After 25, more driving experience means your car insurance rates will start to decline. They’ll stay at their lowest until you reach your 60s, when your premiums will start to increase again.
USAA, GEICO, and Travelers generally offer affordable rates for teen drivers, but it still pays to shop around to find the best rate for you.
Cheapest car insurance in Baltimore for young drivers
Teen drivers aged 16-19 tend to have the highest insurance rates of any age bracket in Baltimore. Less road experience leads to a higher risk of accidents and, therefore, a higher risk of claims.
You may notice that your rates are a little cheaper while you have a Maryland provisional license—that’s because you can only drive while under supervision during this provisional period. If you’re under 19 with a full license, you’ll notice that your rates are higher.
Still, because of the added risk that comes with being a new driver, we recommend Baltimore drivers under 19 purchase a full-coverage policy offering more financial protection.
Cheapest car insurance in Baltimore for senior drivers
Although senior drivers may have an abundance of driving experience, car insurance rates are at their highest for drivers 60+.
That’s because seniors are at a higher risk of mortality, hospitalization, and medical expenses from car accidents—and they also have slower reflexes that increase the risk of accidents. Riskier driving factors can lead to higher costs for insurers—and subsequently higher premiums for older drivers.
Cheap car insurance quotes in Baltimore based on insurance history
Your insurance history—or how long you’ve had insurance—is also used to determine your auto insurance rate. The longer you’ve been continuously insured, the lower your car insurance premium will be.
Insurers want to know that you haven’t had a lapse in insurance coverage, which can label you as a “high-risk driver” and cause a drastic increase in your insurance premium.
Never miss a payment with Jerry! Jerry notifies you when a payment is coming up to help you avoid missing a payment or having a lapse in insurance coverage.
Regardless of your insurance history, Jerry helps Baltimore drivers find significant savings on a new insurance policy.
Cheap car insurance quotes in Baltimore for drivers with poor credit
Not every state uses credit score to determine car insurance premiums, but they can be used to determine the likelihood of a driver filing a claim.
In Baltimore, insurance companies can consider credit scores when setting premiums—but they can’t deny you coverage, cancel your policy, or increase rates upon renewal.
On average, drivers with poor credit scores have a rate up to 70% higher than drivers with good credit scores. If you have a poor credit score and want cheap car insurance, shopping around with a comparison app or website can help you find the best rate in Baltimore.
|
Credit Range
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Car
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|---|
| 660-750 | Progressive | $517 | 33 | 21217 | Nissan Sentra S | State Minimum | Yes |
| 550-659 | Electric | $266 | 46 | 21217 | Infiniti G37 | State Minimum | Yes |
| 550-659 | Gainsco | $514 | 24 | 21206 | Ford Taurus X Sel | State Minimum | No |
| 550-659 | Gainsco | $298 | 31 | 21224 | Hyundai Elantra Gls | State Minimum | No |
| 550-659 | Bristol West | $1,027 | 29 | 21207 | Chevrolet Camaro Ls | State Minimum | Yes |
Cheap car insurance quotes in Baltimore for popular cars
Your vehicle’s make and model can heavily influence the cost of car insurance. Generally, the more expensive your car is, the more expensive your insurance will be.
Other factors associated with your car that can increase insurance rates include:
- Repair or replacement costs
- Likelihood of theft
- Safety rating
Some of the most popular cars among Baltimore drivers are:
- Toyota Camry
- Honda Accord
- Nissan Altima
- Honda CR-V
- Honda Civic
- Toyota Corolla
- Ford F-Series
Learn more: How to get car insurance before buying a car
|
Popular Car
|
Insurance Company
|
Premium (monthly)
|
Age
|
Zip Code
|
Insurance Coverage
|
Has Full Coverage
|
|---|---|---|---|---|---|---|
| Nissan Altima 2.5 | Electric | $198 | 39 | 21222 | State Minimum | No |
| Nissan Altima 2.5 | Progressive | $515 | 31 | 21229 | 50/100 | Yes |
| Honda Accord Hybrid | Gainsco | $365 | 23 | 21229 | State Minimum | No |
| Nissan Altima 2.5 | Progressive | $512 | 28 | 21206 | State Minimum | Yes |
| Nissan Altima 2.5 | Progressive | $346 | 51 | 21224 | State Minimum | Yes |
How to lower car insurance costs in Baltimore
1. Shop around and compare quotes
Experts advise regularly comparing quotes from a minimum of three insurance companies when seeking affordable car insurance. Further, each insurance company uses its own set of rules and factors to determine rates, meaning coverage costs routinely fluctuate.
By consistently shopping around and comparing quotes, you significantly increase your chances of finding the best possible rate that suits your needs.
Discover the easiest way to find the best auto insurance coverage at the best price with Jerry! In just 45 seconds, Jerry gathers quotes from over 55 leading insurance providers, connecting you with the coverage you need.
2. Hunt for car insurance discounts
Every insurance provider typically offers a selection of discounts, although the specific discounts available may vary. Here are some common discounts to look out for in Baltimore:
- Safe driver discounts. If you have a clean driving record without any accidents or traffic violations in {city}, insurers may offer a policy discount.
- Telematics discounts. Some insurance companies provide discounts to policyholders who use telematics, which monitor driving behaviors. By practicing safe driving, you may qualify for discounts.
- Good student discounts. Students who maintain good grades may be eligible for discounts from certain insurance providers. This discount serves as an incentive for academic achievement while also providing savings.
- Bundling discounts. Insurance companies often provide discounts to customers who bundle policies. Bundling home and auto insurance, for instance, can help you save on each policy.
3. Increase your deductible for comprehensive and collision coverage
Opting to increase the deductible on your full coverage policy is a simple yet effective method to maintain affordable monthly insurance expenses.
Why is car insurance in Baltimore so expensive?
Car insurance rates aren’t all that expensive in Maryland, but there are a few factors that can result in higher-than-normal premiums, including:
- Increasing healthcare costs
- Population density in urban centers
- Increasing vehicle theft rate
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Licensed Insurance Agent
R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.
Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.
Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.
Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.
Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.
As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.
Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.
Josh holds a bachelor’s degree in business administration and management from Medaille College.
