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Get Cheap Car Insurance in Downtown, Baltimore, MD
We monitor insurance prices, helping the average driver in Downtown save up to 26.9% on car insurance.
The Cheapest Minimum Coverage in Downtown
The chart below shows the cheapest car insurance company in Downtown 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.
| Downtown Insurer | Monthly Cost |
|---|---|
| State Farm | $98 |
| Erie Insurance | $99 |
| Travelers | $113 |
| Safeco Insurance | $117 |
Savings for Every Kind of Downtown Driver
Based on our extensive insurance data, we know the average Downtown 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 $392 per year by choosing the right vehicle insurance company. Some Downtown residents are paying out over $2,104 extra every year for auto insurance in Downtown. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown, Baltimore, MD Savings / Yr. |
|---|---|
$392 |
|
$368 |
|
$428 |
|
$690 |
|
$1,328 |
|
$237 |
|
$928 |
Downtown Car Insurance vs. Baltimore
People living in Downtown pay an average of 13.57% more than the typical driver in the state. The average driver in Downtown can expect to pay about $1,434 per year, or $2,104 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Downtown for most people.
Car Insurance Prices by Downtown Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown?
The map shows insurance prices in and around Downtown, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $613 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $2,487 to a low of $1,874. Insurance prices tend to be higher for those living in the Central area, and lower for those with homes in the East parts of Downtown.Pick the Best Car Insurance Company for You in Downtown
The best car insurance provider for most drivers in Downtown
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $392 over the average Downtown car insurance company.
The best car insurance provider for Downtown 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 $368 over the competition.
The best car insurance company for Downtown drivers with speeding tickets
>Erie Insurance gave the average person with a speeding ticket the most savings, averaging $428 better than other car insurance companies.
The best auto insurance for Downtown drivers with a DUI conviction
Getting a quote from Erie Insurance may cost the average person with a DUI about $690 less each year.
The least expensive car insurance company for new and young drivers in Downtown
In Downtown, Erie Insurance costs young drivers $1,328 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown
State Farm gave the largest car insurance discounts to married couples, averaging $237 saved each year compared to an average Downtown couple's premiums.
The cheapest car insurance in Downtown for drivers with bad credit
The best Downtown car insurance company for customer service
Recent price drops
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The cheapest large national provider in Downtown
For customers who prefer to work with large national providers, we recommend Geico for pricing. The average Downtown 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 Downtown, 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 Downtown
What Influences the Cost of Car Insurance in Downtown?
On average, car insurance in Downtown 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 neighborhood 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 Downtown are among the lowest 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.
- Downtown has an average population density in the state. The neighborhood’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown is $120 per month for minimum coverage and $175 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 Neighborhoods
- Mount Vernon: Insurance costs 6.51% more
- Federal Hill-Montgomery: Insurance costs 0.38% more
- Oldtown: Insurance costs 8.75% more
- Mid-Town Belvedere: Insurance costs 1.85% more
- Jonestown: Insurance costs 0.24% more
- Washington Village: Insurance costs 14.35% more
- West Baltimore: Insurance costs 14.50% more
- Reservoir Hill-Bolton Hill: Insurance costs 9.17% more
- Riverside: Insurance costs 4.23% less
- Hopkins-Middle East: Insurance costs 10.12% more
Neighborhoods with Similar Populations
- Bel Air: Insurance costs 14.64% more
- West Newton: Insurance costs 23.15% less
- Central Berkeley: Insurance costs 2.09% more
- Shiloh: Insurance costs 38.55% less
- Lyon Street: Insurance costs 4.13% more
- Milwood: Insurance costs 41.87% more
- Northgate: Insurance costs 3.94% less
- Oceanfront: Insurance costs 50.71% more
- Old Town: Insurance costs 39.35% less
- Ortega Hills: Insurance costs 27.95% more