Travelers, Progressive and USAA are the most affordable car insurance companies in Baltimore. Insurance costs can change based on your driving history and the level of coverage you choose. The table below breaks down the costs across different categories to help you find the most affordable option for your needs.
Cheapest Car Insurance in Baltimore, MD
Updated: December 24, 2024
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Key Takeaways
The most affordable car insurance companies in Baltimore are Travelers, GEICO, Nationwide, State Farm and Progressive.
The lowest monthly rates for car insurance in Baltimore are $82 for minimum coverage and $148 for full coverage.
On average, residents pay $112 monthly for minimum coverage and $193 for full coverage.
Why Trust MoneyGeek? MoneyGeek analyzed car insurance companies using data collected from the Maryland Department of Insurance and Quadrant Information Services. Learn more.
Cheapest Car Insurance Rates and Companies in Baltimore
| Travelers | Minimum Coverage | $82 |
| Travelers | Full Coverage | $148 |
| Progressive | Teens | $170 |
| Travelers | Young Adults | $95 |
| Progressive | Senior Drivers | $91 |
| Progressive | Drivers With Bad Credit | $110 |
| Progressive | Drivers With a Speeding Ticket | $99 |
| Progressive | Drivers With a DUI | $103 |
| Progressive | Drivers With an Accident | $123 |
| USAA | Military Affiliated Drivers | $49 |
Cheapest Car Insurance Coverage in Baltimore
Compare rates from various providers to find the cheapest car insurance in Baltimore. Factors like age, driving history, vehicle type and coverage impact your cost. Remember, the cheapest car insurance in Maryland isn't always the lowest in Baltimore. Getting multiple car insurance quotes can lead to affordable coverage that meets your needs.
Cheapest Minimum Coverage Car Insurance in Baltimore
Travelers offers the cheapest minimum coverage car insurance in Baltimore at $82 per month, followed by GEICO at $99. Check the table below to see other providers offering the best rates for minimum coverage.
| Travelers | $82 | $30 |
| GEICO | $99 | $13 |
| Nationwide | $103 | $10 |
| State Farm | $104 | $8 |
| Progressive | $107 | $5 |
Cheapest Full Coverage Car Insurance in Baltimore
Travelers offers the most affordable full coverage car insurance in Baltimore, with an annual rate of $1,776. Check the table below to explore more providers offering competitive full coverage rates in the Charm City.
| Travelers | $148 | $45 |
| Nationwide | $156 | $37 |
| GEICO | $166 | $27 |
| State Farm | $182 | $11 |
Cheapest Car Insurance in Baltimore by Age
In Baltimore, car insurance rates swing with age. Young drivers pay more due to less road time. Costs generally dip over the years, but can tick up past 70 years old. See the most affordable insurers for teens, young adults and seniors below.
Cheapest Car Insurance in Baltimore for Teens
Kemper and Progressive offer the most affordable car insurance for teens in Baltimore. Check the table to see the lowest rates available for your age group.
| Progressive | $170 | $124 | $284 | $262 |
| Kemper | $219 | $75 | $429 | $118 |
Cheapest Car Insurance in Baltimore for Young Adults
Travelers offers the cheapest minimum coverage car insurance for young adults in Baltimore at $1,144 annually, 24% less than the city average. Progressive, Kemper and State Farm follow closely, with affordable rates for this group.
| Travelers | $95 | $30 |
| Progressive | $98 | $27 |
| Kemper | $118 | $7 |
| State Farm | $124 | $2 |
| Nationwide | $124 | $1 |
Cheapest Car Insurance in Baltimore for Seniors
Progressive offers the cheapest car insurance for seniors in Baltimore, with an annual rate of $1,092. Explore the table below for more insights into car insurance for seniors and to find the best rates from other providers.
| Progressive | $91 | $33 |
| GEICO | $104 | $20 |
| State Farm | $110 | $14 |
| Travelers | $112 | $12 |
| Erie | $118 | $6 |
| Nationwide | $119 | $5 |
Cheapest Car Insurance in Baltimore for Drivers With Bad Credit
A poor credit-based insurance score can lead to higher premiums compared to those with good scores. For cheap car insurance for drivers with bad credit, Progressive offers a rate of $1,321, while Nationwide is at $1,541 annually for minimum coverage in Baltimore. Review the table below for more options from other providers.
| Progressive | $110 | $70 |
| Nationwide | $128 | $52 |
| GEICO | $157 | $23 |
| Travelers | $163 | $17 |
HOW TO LOWER YOUR RATE WITH BAD CREDIT
Drivers with poor credit can still lower car insurance costs by using common discounts and bundling different insurance policies. Comparing personalized quotes from multiple companies also helps find affordable options. Improving your credit over time can further reduce your rates.
Cheapest Car Insurance in Baltimore After a Driving Offense
Insurance providers assess risk when calculating car insurance premiums, with driving records playing a key role. Violations like speeding tickets, accidents or DUIs can significantly raise your rates. Even the cheapest car insurance for drivers with violations will be more expensive than those with clean records. We've broken down affordable providers so you can find cheap car insurance after an accident and for other driving offenses.
Cheapest Car Insurance in Baltimore After a DUI
Drivers in Baltimore with a DUI can still find affordable car insurance. Progressive offers the cheapest minimum coverage at $1,241 annually. Check the table below to explore options from other providers and find the best rates.
| Progressive | $103 | $62 |
| State Farm | $115 | $50 |
| GEICO | $128 | $37 |
| Erie | $132 | $33 |
| Travelers | $140 | $26 |
Cheapest Car Insurance in Baltimore After an Accident
Progressive offers the most affordable minimum coverage car insurance for Baltimore drivers with an at-fault accident at $1,477 annually. Check the table below for the best car insurance company with the most affordable rates.
| Progressive | $123 | $45 |
| Travelers | $123 | $45 |
| State Farm | $131 | $37 |
| GEICO | $155 | $13 |
| Erie | $167 | $1 |
Cheapest Car Insurance in Baltimore After a Ticket
Progressive offers the most affordable minimum coverage car insurance for drivers with a speeding record in Baltimore at $1,192 annually. State Farm follows with a rate of $1,381 per year. Check the table below to explore options from other providers and find the best car insurance rates for your needs.
| Progressive | $99 | $33 |
| State Farm | $115 | $17 |
| GEICO | $116 | $16 |
| Travelers | $117 | $15 |
| Nationwide | $131 | $1 |
Cheapest Car Insurance in Baltimore for Military Drivers
Military drivers, including active-duty members, veterans and their families, often find special discounts and competitive rates on car insurance. In Baltimore, the cheapest car insurance providers for military drivers include USAA with an annual rate of $585 and Travelers at $981 for minimum coverage.
| USAA | $49 | $56 |
| Travelers | $82 | $23 |
| GEICO | $99 | $6 |
| Nationwide | $103 | $3 |
| State Farm | $104 | $1 |
Car Insurance Quotes in Baltimore
The estimated car insurance rates above give Baltimore drivers a glimpse of expected premiums, serving as a useful starting point for those seeking affordable coverage. However, because car insurance companies consider individual factors, quotes from the insurer provide the most accurate estimate of local insurance costs.
Compare Baltimore Car Insurance Estimates Online
Since each insurer evaluates personalized factors differently when calculating car insurance premiums, the best way to find an affordable rate is by comparing quotes from various companies. MoneyGeek makes it easy for Charm City drivers to receive multiple car insurance quotes in minutes by simply entering basic personal information.
Car Insurance Calculator
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Rates updated:
Dec 24, 2024
Although MoneyGeek partners with some of the companies we recommend, our content is written and reviewed by an independent team of writers, editors and licensed agents. Learn more about our editorial policies and expert editorial team.
Car Insurance Agencies in Baltimore
While comparing car insurance quotes online can quickly reveal affordable options, residents seeking a personalized experience might find value in contacting local agencies. Detailed names, review ratings, and contact information of top car insurance agencies in the area are provided in the table below.
How Much Does Car Insurance Cost in Baltimore?
In Baltimore, full coverage car insurance averages $2,310 a year. Minimum coverage costs less, averaging $1,346 annually. Remember, these averages are for a 40-year-old driver with a clean record and good credit; your rate may differ if you don't fit the profile.
Baltimore Auto Insurance Cost by Driver Profile
See how your auto insurance compares to know whether you're getting an affordable rate with our summary table of average costs for different driver profiles.
| Teen Drivers | No Data | $547 |
| Young Adults | $126 | $219 |
| Senior Drivers | $124 | $205 |
| Drivers With Bad Credit | $180 | $312 |
| Drivers With a Speeding Ticket | $132 | $225 |
| Drivers With a DUI | $165 | $275 |
| Drivers With an Accident | $168 | $279 |
| Military Affiliated Drivers | $105 | $182 |
How Expensive Is Car Insurance Baltimore?
Car insurance in Baltimore costs about 42% more for minimum coverage and 41% more for full coverage compared to Maryland's averages — city residents pay around $112 monthly for state minimum and $193 for full coverage.
| Baltimore Avg Rate | $112 | $193 |
| Maryland Avg Rate | $79 | $136 |
| vs Maryland Avg Rate | $-33 | $-56 |
Car Insurance Requirements in Baltimore
In Maryland, drivers must carry car insurance that meets the state's minimum coverage limits. These requirements ensure that all motorists have financial protection for bodily injuries and property damage they might cause in an accident.
Maryland's minimum auto insurance coverage includes:
- $30,000 for bodily injury liability per person.
- $60,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
- $30,000 uninsured motorist bodily injury per person.
- $60,000 uninsured motorist bodily injury per accident.
- $15,000 uninsured/Underinsured property damage coverage.
An auto insurance policy in Maryland provides financial protection against expenses from accidents. Liability coverage pays for the harm or damage the policyholder is responsible for in an at-fault accident.
For example, if a driver insured with the state minimum coverage causes an accident that injures another person, their bodily injury liability coverage would cover up to $30,000 of the injured person's expenses. However, if the total expenses exceed this amount, the driver would be responsible for the difference.
Cheapest Car Insurance in Baltimore: Bottom Line
Your car insurance cost in Baltimore can change based on factors like age, driving history and the car you drive. Travelers and Progressive often have good deals, but remember to find the best price by comparing quotes from different companies.
Cheap Baltimore Car Insurance: FAQ
MoneyGeek helps Baltimore residents find affordable car insurance by answering common questions. We guide you to the best coverage for your needs, ensuring you make informed decisions about your insurance options.
What is the cheapest car insurance company in Baltimore, MD?
The cheapest car insurance company in Baltimore, MD, is Travelers, with average monthly rates of $82 for minimum coverage and $148 for full coverage. However, rates vary based on age, driving history and coverage needs, so it’s best to compare quotes.
What is the average cost of car insurance in Baltimore, MD?
The average cost of car insurance in Baltimore, MD, is around $2,310 per year for full coverage, while minimum coverage averages approximately $1,346 annually. These rates can vary depending on your specific circumstances.
Is car insurance in Baltimore, MD, expensive?
Yes, car insurance in Baltimore, MD, tends to be more expensive than the state average. Factors like higher traffic congestion, accident rates and crime rates contribute to the increased premiums. Shopping around and comparing quotes can help you find more affordable options.
How We Chose the Cheapest Car Insurance in Baltimore, MD
To help Baltimore drivers find the most affordable auto insurance companies, MoneyGeek analyzed Baltimore auto insurance rates based on data and information from the Maryland Department of Insurance and Quadrant Information Services.
Baltimore Driver Profile
MoneyGeek created a sample driver profile to calculate car insurance quote averages in Baltimore with the following characteristics:
- 40-year-old male
- 2012 Toyota Camry LE
- Clean driving record
- 12,000 miles driven annually
Certain factors — such as age, driving record, credit score and military affiliation — were adjusted to find the most suitable insurance companies for specific driver profiles.
Coverage Levels in Baltimore
MoneyGeek compared the most affordable insurance providers for both minimum and full coverage auto insurance policies.
The minimum coverage requirements in Maryland are:
- $30,000 bodily injury liability per person
- $60,000 bodily injury liability per accident
- $25,000 property damage liability per accident
For a full coverage policy, we used the following coverage limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability per accident
- Comprehensive and collision insurance, each with a $1,000 deductible
About Mark Fitzpatrick
Mark Fitzpatrick is a Licensed Property and Casualty Insurance Producer and MoneyGeek's Head of Insurance. He has analyzed the insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. He has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.
Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.