Cheap Quotes for Baltimore, MD Car Insurance (2021)

Baltimore, Maryland car insurance rates average $572 a month and Maryland law requires coverage of at least 30/60/15. By comparing rates from multiple Baltimore, MD companies, you can find cheap Baltimore car insurance quotes to fit your needs and budget.

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Tonya Sisler has a Bachelor’s Degree from the University of South Carolina in Journalism and has worked for 15+ years in management. She has also completed a proofreading certification and is currently a professional writer.

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Brad Larson has been in the insurance industry for more than a dozen years. He started out as a claims adjuster for a national carrier. He has since switched to the agency side of the business. Brad is licensed in all P&C lines.

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Reviewed by Brad Larsen
Licensed Auto Insurance Agent

UPDATED: Aug 4, 2021

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Things to Know

  • The cheapest car insurance company in Baltimore is USAA
  • Baltimore has an average commute time of 31.4 minutes
  • Average car insurance rates in Baltimore, MD after a DUI are $8,063/year

How do the Baltimore, Maryland monthly average car insurance rates of $572/month compare to nearby cities like Gaithersburg car insurance rates, Greenbelt car insurance rates, and Annapolis car insurance rates? Here you can review all of the factors that contribute to the cost of car insurance in Baltimore, MD.

We’ll cover the Maryland minimum coverage requirements, Maryland car insurance laws, and Baltimore, MD statistics that affect your monthly rate. You can even compare car insurance quotes from multiple Baltimore, Maryland companies to find the most affordable Baltimore car insurance rates.

Enter your ZIP code above to find cheap Baltimore, MD car insurance quotes today.

What are the minimum Baltimore, MD car insurance requirements?

To meet Maryland minimum car insurance coverage requirements, Baltimore, MD drivers need to carry at least 30/60/15 coverage.

Minimum Required Car Insurance Coverage in Baltimore, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Average Baltimore, MD Car Insurance Rates by ZIP Code

Where you live is a major determinate of your car insurance rates. Even within Baltimore, MD you can see that rates will vary by ZIP code.

Annual Car Insurance Rates by ZIP Code in Baltimore, Maryland

ZIP Code Average Annual Rates
21201 $5,940
21202 $6,217
21205 $6,695
21206 $6,256
21207 $6,575
21208 $5,777
21209 $5,541
21210 $4,999
21211 $5,071
21212 $5,394
21213 $7,200
21214 $5,727
21215 $7,366
21216 $7,513
21217 $7,140
21218 $6,472
21223 $7,025
21224 $5,181
21225 $5,099
21226 $4,820
21227 $4,840
21230 $5,000
21231 $5,798
21233 $6,010
21234 $5,072
21236 $4,720
21237 $5,293
21239 $6,382
21240 $4,353
21250 $5,173
21251 $6,479

How do age, gender, and marital status affect Baltimore, MD car insurance rates?

Three of the criteria that most affect car insurance rates in Baltimore, Maryland are age, gender, and marital status. Let’s take a look at how each of these stack up with top Baltimore car insurance companies.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Baltimore, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,899 $4,663 $4,699 $4,817 $14,822 $17,441 $4,368 $4,391
GEICO $3,692 $4,046 $4,236 $4,909 $10,982 $12,339 $3,154 $3,258
Liberty Mutual $9,816 $9,816 $9,708 $9,708 $18,748 $27,627 $9,816 $13,108
Nationwide $3,115 $3,111 $2,807 $2,886 $7,418 $9,773 $3,621 $3,885
Progressive $3,855 $3,413 $3,321 $3,420 $14,019 $15,209 $4,438 $4,219
State Farm $3,805 $3,805 $3,513 $3,513 $11,413 $14,480 $4,259 $4,762
USAA $2,798 $2,744 $2,631 $2,616 $6,263 $7,357 $3,207 $3,576

How much do teen drivers pay for car insurance in Baltimore, MD?

Baltimore, Maryland car insurance rates for teens are often higher than rates for other drivers. Compare Baltimore car insurance rates from multiple Baltimore, Maryland car insurance companies to get the best deal.

Annual Car Insurance Rates for Teen Drivers in Baltimore, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,822 $17,441
GEICO $10,982 $12,339
Liberty Mutual $18,748 $27,627
Nationwide $7,418 $9,773
Progressive $14,019 $15,209
State Farm $11,413 $14,480
USAA $6,263 $7,357

How much do senior drivers pay for car insurance in Baltimore, MD?

With a little research, seniors can find affordable car insurance in Baltimore, Maryland. Here’s a look at how the top Baltimore car insurance companies stack up.

Annual Car Insurance Rates for Senior Drivers in Baltimore, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,699 $4,817
GEICO $4,236 $4,909
Liberty Mutual $9,708 $9,708
Nationwide $2,807 $2,886
Progressive $3,321 $3,420
State Farm $3,513 $3,513
USAA $2,631 $2,616

How does coverage level affect Baltimore, MD car insurance rates?

How much coverage do you need? Are you comfortable with the Maryland minimum of 30/60/15 or do you need more? Keep in mind that the higher level of coverage you have, the higher your Baltimore, MD car insurance rates will be. Let’s take a look.

Annual Car Insurance Rates by Coverage Level in Baltimore, Maryland

Insurance Company Low Medium High
Allstate $7,264 $7,442 $7,832
GEICO $5,572 $5,776 $6,133
Liberty Mutual $13,125 $13,510 $13,995
Nationwide $4,361 $4,593 $4,776
Progressive $6,114 $6,474 $6,872
State Farm $5,858 $6,213 $6,510
USAA $3,658 $3,912 $4,126

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How does your driving record affect Baltimore, MD car insurance rates?

Safe driving pays off. The more traffic violations you have in Baltimore, MD, the higher your car insurance rates will be. Compare rates based on driving infractions from top Baltimore, Maryland companies.

Annual Baltimore, Maryland Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,625 $8,887 $6,625 $7,913
GEICO $4,124 $6,452 $7,832 $4,900
Liberty Mutual $9,681 $12,774 $19,420 $12,299
Nationwide $4,012 $5,430 $4,302 $4,565
Progressive $5,503 $7,409 $6,662 $6,373
State Farm $5,539 $6,994 $6,121 $6,121
USAA $3,056 $3,766 $5,480 $3,294

How does a DUI affect Baltimore, MD car insurance rates?

With even one DUI on your record, you can see an increase in your Baltimore, MD car insurance rates.

Annual Car Insurance Rates After a DUI in Baltimore, Maryland

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $6,625
GEICO $7,832
Liberty Mutual $19,420
Nationwide $4,302
Progressive $6,662
State Farm $6,121
USAA $5,480

How does your credit history affect Baltimore, MD car insurance rates?

Take a look at the data here to see how your Baltimore, Maryland car insurance rates are affected by your credit history.

Annual Car Insurance Rates by Credit Score in Baltimore, Maryland

Insurance Company Poor Fair Good
Allstate $9,773 $6,783 $5,981
GEICO $6,611 $5,468 $5,401
Liberty Mutual $19,297 $12,486 $8,848
Nationwide $5,888 $4,124 $3,719
Progressive $8,183 $6,151 $5,126
State Farm $9,064 $5,374 $4,142
USAA $5,211 $3,568 $2,918

How does your commute affect Baltimore, MD car insurance rates?

Baltimore, MD car insurance requirements are the minimum insurance requirements for the entire state. The required car insurance for Maryland can be seen here. Remember, though, that you may have to carry substantially more car insurance in Baltimore if you’re financing.

Annual Car Insurance Rates by Commute Length in Baltimore, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,404 $7,621
GEICO $5,729 $5,924
Liberty Mutual $13,190 $13,897
Nationwide $4,577 $4,577
Progressive $6,487 $6,487
State Farm $6,027 $6,361
USAA $3,775 $4,023

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Who has the cheapest Baltimore, MD car insurance rates?

Here’s a breakdown of Baltimore, Maryland car insurance rates by company. You can see which company offers the cheapest Baltimore car insurance rates in each category.

Best Annual Car Insurance Rates by Company in Baltimore, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

What are the top Baltimore, MD car insurance companies?

Which Baltimore, Maryland car insurance company will best fit your needs and budget? Check out this comparison of the top Baltimore companies to find the one for you.

Average Annual Car Insurance Rates by Company in Baltimore, Maryland

Insurance Company Average Annual Rates
Allstate $7,513
GEICO $5,827
Liberty Mutual $13,543
Nationwide $4,577
Progressive $6,487
State Farm $6,194
USAA $3,899

What factors affect Baltimore, MD car insurance rates?

Why are Baltimore, Maryland car insurance rates different than rates in Gaithersburg or Greenbelt? Other than those we’ve already mentioned, there are additional statistics that affect car insurance rates. Let’s take a look.

What is the car theft rate in Baltimore, MD?

FBI statistics show that the Baltimore, Maryland car theft rate is 4,375 thefts each year. High theft rates can lead to higher than average Baltimore, MD car insurance rates.

How long is the average commute in Baltimore, MD?

More time spent behind the wheel can lead to higher Baltimore, Maryland car insurance rates. In Baltimore, MD, the average commute length is 31.4 minutes.

What is the traffic like in Baltimore, MD

Like commute length, time spent in traffic also increase risk of accidents. Baltimore, MD is listed as 111th in INRIX congested cities data.

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Car Insurance Quotes for Baltimore, MD

Shop for affordable Baltimore, Maryland car insurance rates today. Enter your ZIP code to compare quotes from multiple Baltimore, MD car insurance companies.

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