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Get Cheap Car Insurance in Baltimore, MD
We monitor insurance prices, helping the average driver in the Baltimore area save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Baltimore
The chart below shows the cheapest car insurance company in Baltimore for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Erie Insurance, Travelers, and Safeco Insurance.
| Baltimore Insurer | Monthly Cost |
|---|---|
| State Farm | $94 |
| Erie Insurance | $96 |
| Travelers | $109 |
| Safeco Insurance | $113 |
Savings for Every Kind of Baltimore Driver
Based on our extensive insurance data, we know the average Baltimore driver will save about 19% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $379 per year by choosing the right vehicle insurance company. Some Baltimore residents are paying out over $2,038 extra every year for auto insurance in Baltimore. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Baltimore, MD Savings / Yr. |
|---|---|
$379 |
|
$356 |
|
$415 |
|
$669 |
|
$1,286 |
|
$230 |
|
$898 |
Baltimore Car Insurance vs. Maryland
People living in Baltimore pay an average of 9.97% more than the typical driver in the state. The average driver in Baltimore can expect to pay about $1,389 per year, or $2,038 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Baltimore for most people.
Car Insurance Prices by Baltimore Neighborhood
Insurance Prices
Where is insurance cheapest within Baltimore?
The map shows insurance prices in and around Baltimore, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $942 per year within the city boundaries, with insurance premiums ranging from a high of $2,689 to a low of $1,747. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southeast parts of Baltimore.Pick the Best Car Insurance Company for You in Baltimore
The best car insurance provider for most drivers in Baltimore
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $379 over the average Baltimore car insurance company.
The best car insurance provider for Baltimore drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $356 over the competition.
The best car insurance company for Baltimore drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $415 better than other car insurance companies.
The best auto insurance for Baltimore drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $669 less each year.
The least expensive car insurance company for new and young drivers in Baltimore
In Baltimore, Erie Insurance costs young drivers $1,286 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Baltimore
State Farm gave the largest car insurance discounts to married couples, averaging $230 saved each year compared to an average Baltimore couple's premiums.
The cheapest car insurance in Baltimore for drivers with bad credit
The best Baltimore car insurance company for customer service
Recent price drops
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The cheapest large national provider in Baltimore
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Baltimore driver can expect to pay about $133 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Baltimore, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with accidents, married couples, drivers with speeding tickets, young drivers, and good drivers.Auto Insurance Prices in and Around Baltimore
What Influences the Cost of Car Insurance in Baltimore?
On average, car insurance in Baltimore is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- Maryland state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in the Baltimore area are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of D according to CrimeGrade.org.
- Baltimore is one of the most densely populated areas in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Baltimore is $116 per month for minimum coverage and $170 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Gwynn Oak: Insurance costs 17.91% more
- Brooklyn: Insurance costs 14.38% more
- Lansdowne: Insurance costs 0.98% more
- Baltimore Highlands: Insurance costs 4.51% more
- Towson: Insurance costs 3.78% less
- Halethorpe: Insurance costs 3.04% less
- Parkville: Insurance costs 6.33% more
- Rosedale: Insurance costs 8.24% more
- Overlea: Insurance costs 4.37% more
- Lochearn: Insurance costs 18.25% more
Cities with Similar Populations
- Detroit: Insurance costs 61.24% more
- Denham Springs: Insurance costs 59.13% more
- Duluth: Insurance costs 20.61% less
- Douglasville: Insurance costs 1.96% less
- Des Plaines: Insurance costs 16.00% less
- Durham: Insurance costs 34.40% less
- Duluth: Insurance costs 2.45% more
- Daly City: Insurance costs 8.15% more
- Danbury: Insurance costs 8.68% more
- Cypress: Insurance costs 11.92% less