Cheapest Car Insurance Quotes in Baltimore

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Baltimore Car Insurance

^$ 75

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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 Baltimore

The car insurance rate in Baltimore is $1514 for a six-month policy, which is $498 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $1107, making it a popular choice for budget-conscious drivers. Rates in Baltimore 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.

Avg. Car Insurance in Baltimore

$1514

Avg. Car Insurance in Maryland

$1016

National Average

$1140

Cheapest Car Insurance Companies in Baltimore

1st place: Kemper

At $1107 for a six month policy, Kemper offers the cheapest auto insurance rates in the city.

2nd place: USAA

USAA offers auto insurance rates at $1195 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 $1222 for six months, making it the third cheapest auto insurance company in Baltimore.

Baltimore Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Baltimore, MD is Kemper, offering policies at just $1107 for a six-month term. This is followed by USAA, which has an average six-month premium of $1195.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $2832 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Baltimore drivers find the best deals.

Cheap Car Insurance Companies in Baltimore, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1107	$188
USAA	$1195	$201
State Farm	$1222	$206
Travelers	$1222	$206
Nationwide	$1416	$238
Erie	$1460	$246
Progressive	$1664	$280
Allstate	$2832	$477

Key Takeaways

Way's key takeaways about car insurance in Baltimore

The auto insurance costs in Baltimore fall around $1107 for six months.
The cheapest auto insurance company in Baltimore is USAA.
Teen drivers pay the highest rate in Baltimore at $1989 per month.

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Cheapest Minimum Liability Car Insurance in Baltimore

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 Baltimore are given below.

USAA provides the cheapest minimum car insurance coverage in Baltimore. Their Average 6 Month Premium is $443. Allstate is the most expensive at $1550 for the same period.

Cheapest Liability Coverage in Baltimore, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$443	$75
Travelers	$611	$103
State Farm	$620	$104
Kemper	$629	$104
Erie	$656	$110
Progressive	$770	$130
Nationwide	$797	$134
Allstate	$1550	$261

Cheapest Full Coverage Car Insurance in Baltimore

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 Baltimore is Kemper at $188 per month and $1107 for six months.

Cheapest Full Coverage Car Insurance Quotes in Baltimore, MD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$1107	$188
USAA	$1195	$201
State Farm	$1222	$206
Travelers	$1222	$206
Nationwide	$1416	$238
Erie	$1460	$246
Progressive	$1664	$280
Allstate	$2832	$477

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Average Car Insurance in Baltimore 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 Baltimore, MD increasing?

Despite maintaining a clean driving record, your car insurance rates in Baltimore, 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, Baltimore's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Baltimore

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	$1021
30s	Travelers	$870
40s	Travelers	$793
50s	Travelers	$749
60s	Travelers	$840
70s	USAA	$888

Cheapest Car Insurance Rates for Teen Drivers in Baltimore,MD

If you are planning to get a car insurance policy for your teenage dependent, Kemper provides the cheapest car insurance in the Baltimore at $113 per month. At $11816 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Kemper	$665	$113
Erie	$1725	$291
Travelers	$2017	$340
USAA	$2159	$364
State Farm	$2929	$493
Progressive	$3726	$627
Nationwide	$5593	$942
Allstate	$11816	$1989

Teen Car Insurance Rates in MD by Age

Way Tip

If you are in your twenties Travelers is the best choice for car insurance in Baltimore.

As young drivers face the highest rates in Baltimore, Travelers offers the cheapest auto insurance rates at $1021 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 Baltimore, USAA is the cheapest car insurance provider. At $1399 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 Baltimore is State Farm, offering rates of around $5292 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
USAA	$1399	$232
Progressive	$1442	$243
Nationwide	$1833	$308
Travelers	$2584	$440
Erie	$3035	$507
Allstate	$4133	$703
State Farm	$5292	$882

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Car Insurance Rates with An Accident in Baltimore

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 Baltimore, MD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Baltimore

The cheapest car insurance companies after an at-fault accident in Baltimore include Erie and USAA, offering $1098 and $1249, respectively. Allstate is an expensive provider with an average six-month premium of $5169.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$1098	$185
USAA	$1249	$210
Travelers	$1265	$213
State Farm	$1363	$229
Progressive	$1655	$279
Nationwide	$2301	$387
Allstate	$5169	$870

Baltimore Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Baltimore MD. For example, the car insurance in Baltimore after a DUI increases to $1681 for a six month policy. While the rate increases by $389 for a six-month policy in the case of a speeding ticket.

Baltimore auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$1788	$298
One Med/PIP claim	$1849	$314
Not-at-fault accident	$1921	$320
One comp claim	$1930	$328
Two Med/PIP claims	$1965	$328
Failure to wear a seat belt	$2026	$344
Failure to show documents	$2080	$347
Child safety restraint	$2098	$356
Two comp claims	$2098	$350
Driving with expired registration	$2150	$365
Cell phone violation	$2177	$364
Driving too slowly	$2177	$370
Failure to stop at a red light	$2177	$364
Failure to yield	$2177	$370
Following too closely	$2177	$364
Illegal turn	$2177	$370
Improper passing	$2177	$364
Speeding 11 - 15 MPH over limit	$2177	$370
Speeding 16 - 20 MPH over limit	$2177	$364
Speeding 6 - 10 MPH over limit	$2177	$370
Texting while driving	$2177	$364
Wrong way/wrong lane	$2177	$370
Speeding in school zone	$2204	$368
At-fault accident - less than $1000	$2248	$383
Passing school bus	$2257	$375
Driving without lights	$2266	$386
Open container	$2275	$378
Operating a vehicle without permission	$2301	$392
Speeding 21 - 25 MPH over limit	$2381	$396
In 65 MPH zone	$2602	$443
At-fault accident - $1000-$2000	$2682	$447
At-fault accident - greater than $2000	$2682	$456
Reckless driving	$3062	$511
Racing	$3293	$560
Driving with a suspended license	$3345	$557
Refusal to submit to a chemical test	$3452	$587
DUI	$3469	$578
Leaving scene of an accident/hit and run	$3496	$595

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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 Baltimore 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 Baltimore.

The cheapest car insurance premiums in Baltimore are offered by Erie at $939 for a six-month policy. However, it can be as expensive as $3859 with companies like Nationwide.

Baltimore car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Erie	$939	$158
Travelers	$1372	$231
Progressive	$1788	$301
USAA	$2062	$347
State Farm	$2682	$451
Allstate	$2956	$498
Nationwide	$3859	$650

Cheapest car insurance after a speeding ticket

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 Baltimore are offered by State Farm at $840. However, it can be as expensive as $3612 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Baltimore after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
State Farm	$840	$142
USAA	$957	$162
Erie	$1115	$188
Progressive	$1292	$218
Travelers	$1770	$295
Nationwide	$2514	$428
Allstate	$3612	$602

Car Insurance Price Trends in Baltimore, Maryland

Car insurance rates in Baltimore have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Baltimore remained steady at $317 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Baltimore remained steady at $115 in both December and November, indicating no change over the two month period.

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Average Car Insurance Cost in Baltimore by ZIP Code

The crime rate, the number of accidents, and the probability of natural calamities all determine the car insurance rates in different neighborhoods in the Baltimore. At $1650 for a six-month policy, insuring your car at 21215 is the cheapest in the city.

Zip Code	Average 6 Mo. Premium	Avg. Monthly Premium
21215	$1650	$277
21214	$1559	$262
21213	$1574	$264
21202	$1559	$262
21224	$1619	$272
21201	$1544	$259
21223	$1559	$262
21212	$1589	$267
21211	$1544	$259
21210	$1544	$259
21231	$1544	$259
21230	$1589	$267
21209	$1574	$264
21218	$1619	$272
21229	$1619	$272
21206	$1634	$275
21217	$1589	$267
21239	$1574	$264
21216	$1574	$264
21205	$1544	$259
21251	$1513	$254
21250	$1513	$254

Frequently Asked Questions

How much is car insurance in Baltimore?

The car insurance in Baltimore is $75 per month, which is lower than the national average.

What is the cheapest car insurance in Baltimore?

The cheapest car insurance in Baltimore is $188 per month for full coverage.

How much is car insurance in Baltimore for teenagers?

Car insurance for teenagers costs $665 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 Baltimore?

The average cost of car insurance is $1016 for a six-month policy. It will cost around $255 per month to insure your car in Baltimore.

Is car insurance expensive in Baltimore?

Car insurance can be expensive in Baltimore if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Baltimore can be affordable.

What is the best car insurance in Baltimore, MD?

The best car insurance company in Baltimore MD is Kemper, offering $1107 for a six-month policy.