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Finding the cheapest car insurance quotes in Baldwin shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.
The auto insurance rates published in this guide are based on the results of research
completed by Way’s data team. Using a mix of public
and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These
rates were publicly sourced from insurer filings and should be used for comparative
purposes only — your own quotes will differ. Given this, it’s important to go through
our insurance
steps form to find how much you can save with Way.
Table of Contents
How Much Is Car Insurance in Baldwin
The car insurance rate in Baldwin is $1036 for a six-month policy, which is $20 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $758, making it a popular choice for budget-conscious drivers. Rates in Baldwin can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.
At $758 for a six
month policy, Kemper offers
the cheapest
auto
insurance rates in the city.
2nd place: USAA
USAA offers auto
insurance rates at $818 for a
six-month policy,
making it one of the cheapest to insure with.
3rd place: State Farm
State Farm offers auto insurance
rates at $836
for six months, making it
the third cheapest auto insurance company in Baldwin.
Baldwin Car Insurance Rates by Company
Based on our research, the cheapest car insurance company in Baldwin, MD is Kemper, offering policies at just $758 for a six-month term. This is followed by USAA, which has an average six-month premium of $818.
At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1939 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baldwin drivers find the best deals.
Way's key takeaways about car insurance in Baldwin
The auto insurance costs in Baldwin fall around $758 for six
months.
The cheapest auto insurance company in Baldwin is USAA.
Teen drivers pay the highest rate in Baldwin at $1362 per
month.
High Rates Shouldn’t Drive You Out of Pocket.
Save up to $971/yr with our auto insurance quotes
Cheapest Minimum Liability Car Insurance in Baldwin
Since car insurance is a critical requirement for owning a car, you
must have minimum liability car insurance. The cheapest car insurance companies for minimum
coverage in Baldwin are given below.
USAA provides
the cheapest minimum car insurance
coverage in Baldwin. Their Average 6 Month Premium is $303.
Allstate is the most
expensive at $1061 for the same
period.
One might think that minimum coverage is only required when insuring
your car insurance. However, having full coverage car insurance in any city is certainly a
wise choice as it offers better coverage and protection. Our best pick for the cheapest auto
insurance quotes in Baldwin is Kemper
at $129 per month and $758
for six months.
Cheapest Full Coverage Car Insurance Quotes in Baldwin,
MD
Get Your Car Insurance Quote in Baldwin
Instantly!
Average Car Insurance in Baldwin by Rating
Factor
The car insurance rates for two people under the same ZIP
code will mostly be different. This is mostly because insurance rates are calculated
based on several rating factors. These rating factors include the driver's age, gender,
marital status, driving and claims history, credit score, location, type of vehicle, and
coverage levels.
I have a clean driving record. Why is my car insurance rate
here in Baldwin, MD increasing?
Despite maintaining a clean driving record, your car insurance rates
in Baldwin, Maryland, may be increasing due to several external factors.
Maryland has
experienced significant rate hikes recently, with average premiums rising by 25.5% in
2023, largely attributed to higher claims volumes and inflation.
Additionally, Baldwin's high urban population density, raised
auto
theft rates, and frequent natural disasters contribute to increased insurance costs.
Car Insurance Premiums by Age in Baldwin
It is quite evident why teen drivers pay the highest car insurance
rates in any city. Their lack of experience and increased accident rates make them a highly
risky category. However, as you grow older, your car insurance rates will decrease. So, it
is better to not have separate policies for teens; instead, add them to their parents'
policies.
Cheapest Car Insurance Companies Based on Age Group
Age Group
Cheapest Companies
Avg. 6 Mo. Premium
20s
Travelers
$699
30s
Travelers
$596
40s
Travelers
$543
50s
Travelers
$513
60s
Travelers
$575
70s
USAA
$608
Cheapest Car Insurance Rates for Teen Drivers in
Baldwin,MD
If you are planning to get a car insurance policy for your teenage
dependent, Kemper provides the cheapest car
insurance in the Baldwin at $78
per
month. At $8089 for a six-month premium,
Allstate offers the most expensive rate for
teen drivers.
If you are in your twenties Travelers is
the best choice for car
insurance in Baldwin.
As young drivers face the highest rates in Baldwin, Travelers
offers the cheapest auto insurance rates at $699 for six months.
Car Insurance Rates by Credit Score & Driving History
Similar to your driving history, your financial history also plays a
key role in determining your auto insurance rates. A low credit score would mean a lapse in
payment and increased chances of filing claims, which results in higher auto insurance
rates. Therefore, the higher the credit score, the lower the car insurance rates will be.
Cheapest Car Insurance Companies for Bad Credit
For those with poor credit scores in Baldwin,
USAA is
the cheapest car insurance provider. At $958 for a six-month premium, they offer
the best
rates in the city. The most expensive auto insurance rate for drivers with bad credit in
Baldwin is State Farm, offering
rates of around $3623 for six
months.
Save up to $971/yr on car insurance rates in Baldwin.
Car Insurance Rates with An Accident in Baldwin
Both accidents and the resulting increase in insurance rates are often
beyond our control. When you’re involved in an accident, you become riskier to insure,
consequently increasing the rates. In Baldwin, MD,
accidents can lead to
significant hikes in your premiums.
Cheapest Car Insurance Companies after an At-Fault Accident
in Baldwin
The cheapest car insurance companies after an at-fault accident in
Baldwin include Erie
and USAA, offering $752
and $855,
respectively. Encompass is an expensive provider
with an average six-month premium of
$672.
Here is a list of driving violations that can increase your car
insurance rates in Baldwin MD. For example, the car
insurance in Baldwin
after a DUI increases to $1151 for a six
month policy. While the rate increases by $266 for a six-month policy in the case of
a speeding ticket.
Baldwin auto insurance quotes by violations
Accident/Violation
Avg. 6 Mo Premium
Avg. Monthly Premium
None
$1224
$204
One Med/PIP claim
$1266
$215
Not-at-fault accident
$1315
$219
One comp claim
$1321
$224
Two Med/PIP claims
$1345
$224
Failure to wear a seat belt
$1387
$236
Failure to show documents
$1424
$238
Child safety restraint
$1436
$244
Two comp claims
$1436
$240
Driving with expired registration
$1472
$250
Cell phone violation
$1490
$249
Driving too slowly
$1490
$253
Failure to stop at a red light
$1490
$249
Failure to yield
$1490
$253
Following too closely
$1490
$249
Illegal turn
$1490
$253
Improper passing
$1490
$249
Speeding 11 - 15 MPH over limit
$1490
$253
Speeding 16 - 20 MPH over limit
$1490
$249
Speeding 6 - 10 MPH over limit
$1490
$253
Texting while driving
$1490
$249
Wrong way/wrong lane
$1490
$253
Speeding in school zone
$1509
$252
At-fault accident - less than $1000
$1539
$262
Passing school bus
$1545
$257
Driving without lights
$1551
$264
Open container
$1558
$259
Operating a vehicle without permission
$1575
$268
Speeding 21 - 25 MPH over limit
$1630
$271
In 65 MPH zone
$1781
$303
At-fault accident - $1000-$2000
$1836
$306
At-fault accident - greater than $2000
$1836
$312
Reckless driving
$2096
$350
Racing
$2254
$384
Driving with a suspended license
$2290
$381
Refusal to submit to a chemical test
$2363
$402
DUI
$2375
$396
Leaving scene of an accident/hit and run
$2393
$407
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Way Tip
Avoid Having A DUI On Your Driving Record.
A DUI can increase your car insurance rates—by $5,000 to $10,000 over
five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on
your record for 3–5 years, while DUIs/DWIs can impact you longer.
Car Insurance Rates in Baldwin after a
DUI
There may have been times when you drank but chose not to
drive—a smart and responsible decision, as most states treat DUIs as a serious
offense. Your car insurance rates can double after a DUI charge, making it harder to
find affordable coverage in Baldwin.
The cheapest car insurance premiums in
Baldwin are
offered by Erie at $643 for a six-month policy.
However, it can be as
expensive as $2642 with companies
like Nationwide.
One of the easiest ways to save money on car insurance is
to stay within the speed limit. After a speeding violation, the cheapest car
insurance premiums in Baldwin are offered by State Farm
at $575. However,
it can be as expensive as $2472
with companies like Allstate for a similar
six-month premium.
Cheapest Car Insurance in Baldwin after Speeding ticket
Car insurance rates in Baldwin have fluctuated due to factors
such as state regulations, inflation, and changing driving habits.
The average cost of full coverage in the Baldwin rose by
$217 in December
compared to $216 of November. In other words, there has been an increase by $1 when you
compare December and November.
The average cost of liability insurance in the Baldwin remained steady at $79 in both December and November, indicating no change over the two month period.
The crime rate, the number of accidents, and the probability of
natural calamities all determine the car insurance rates in different neighborhoods in the
Baldwin. At $2072 for a
six-month policy, insuring
your car at 21013 is the cheapest
in the city.
Zip Code
Average 6 Mo. Premium
Avg. Monthly Premium
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Frequently Asked Questions
How much is car insurance in Baldwin?
The car insurance in Baldwin is $51 per month, which is lower than the national average.
What is the cheapest car insurance in Baldwin?
The cheapest car insurance in Baldwin
is $129 per month
for full coverage.
How much is car insurance in Baldwin for teenagers?
Car insurance for teenagers costs $455 per 6 months. The
rates for
teen drivers are higher due to their lack of experience as drivers.
What's the average cost of car insurance in
Baldwin?
The average cost of car insurance is $1016 for a six-month
policy. It will cost around $174 per month to insure your
car in Baldwin.
Is car insurance expensive in Baldwin?
Car insurance can be expensive in Baldwin if your
rating
factors are not favorable. However, with a clean driving record and good
credit
score, car insurance rates in Baldwin can be
affordable.
What is the best car insurance in Baldwin,
MD?
The best car insurance company in Baldwin
MD is
Kemper, offering $758 for a
six-month policy.
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Find Car Insurance Rates in Cities Near Baldwin, MD
Car Insurance Rates by State in the USA (2025 Update)
Baldwin Car Insurance
