What's the average cost of car insurance in Baltimore?
Car insurance costs an average of $2,072 per year in Baltimore, Maryland. That's more than the average across Maryland ($1,415) and more expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other common factors in Baltimore.
AUTO INSURANCE COSTS: BALTIMORE VS. STATE AND US AVERAGES
|Baltimore Average (annual)||Maryland Average||U.S. Average|
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Baltimore car insurance rates by insurer
The best way to save on auto insurance is to compare rates from as many companies as possible, selecting the provider from which you receive the most affordable quote. For a typical driver, GEICO offers Baltimore's most affordable premiums. Reference below the top options for affordable insurance in Baltimore. Don't forget to get car insurance quotes based on your unique driving profile.
BALTIMORE CAR INSURANCE RATES BY COMPANY
|Insurer||Average Yearly Rate|
Baltimore auto insurance premiums by age
The age group that pays the least for car insurance in Baltimore are drivers in their 50s ($1,820per year). Those in their 40s don't pay much more ($1,959).
Teen drivers pay Baltimore's most expensive auto insurance rates. One of the easiest ways to lower your car insurance rates as a driver in Baltimore is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Baltimore is $4,287, the largest such difference between any two age groups.
BALTIMORE AUTO INSURANCE PREMIUMS BY DRIVER AGE
|Age tier||Average Yearly Rate|
Baltimore car insurance rates by marital status and gender
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In Baltimore, married drivers pay $15 less than single drivers for car insurance. Married drivers enjoy less expensive rates than their single counterparts in most locations, based on data showing they file fewer insurance claims. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Baltimore, widowed drivers pay less than those who are single.
Gender is another factor that can impact auto insurance costs. In Baltimore, female drivers pay $46 per year more than do male drivers.
BALTIMORE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average Yearly Rate|
Baltimore car insurance costs by citation and accident history
Maintaining a clean driving record is an effective way to minimize your insurance rates. At-fault collisions, DWIs, citations for reckless driving, and speeding tickets each contribute to increases in car insurance rates. Insurance companies reward low-risk drivers with the gift of low rates.
Two of the most costly citations to receive are DUI and reckless driving. Baltimore drivers found guilty of reckless driving face insurance rate increases of $1,045 per year, compared to the citywide average. A DUI violation may lead to a $992 increase, while a citation for speeding leads to a $317 rate hike.
BALTIMORE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
|Violation||Average Yearly Rate|
|At-fault Accident (damages less than $1,000)||$2,572|
|At-fault Accident (damages greater than $2,000)||$3,054|
|Speeding Ticket (16-20 mph over speed limit)||$2,389|
Baltimore car insurance rates by credit level
Another major insurance rating factor is credit score. Drivers with bad credit histories typically face more expensive car insurance than do drivers with stellar credit. In fact, Baltimore drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 55% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Baltimore, improving your credit to "Fair" could help you earn a $1,421 decrease in annual car insurance rates.
BALTIMORE CAR INSURANCE RATES BY CREDIT SCORE
|Credit Score||Average Annual Rate|
What drives up car insurance rates in Baltimore?
Where you live in Baltimore affects your car insurance rates. Besides your driving history and credit score, where you live is one of the biggest contributing factors to the car insurance rates you'll pay. The reason? Crime, theft and uninsured motorists vary by ZIP code. So if you find yourself in a neighborhood that doesn’t play well with others, car insurance companies may consider you a high risk to insure, meaning: your rates could be higher than those of a pal who lives just around the block. And, unfortunately Baltimore is no exception to the rule. From ZIP code 21240 to 21216, premiums rise by 64 percent—that’s $854.
Expensive Baltimore ZIP codes: 21213, 21217, 21223, 21215, 21216
Cheap Baltimore ZIP codes: 21240, 21250, 21226, 21210, 21225
Baltimore Driving Conditions
Inclement weather goes hand in hand with wet brakes, slick roads, and decreased visibility.
And that's not the worst of it. More than 700,000 weather-related car accidents occur each year. In Baltimore, you can expect 116 rainy days with an annual rainfall of 41.9 inches. Baltimore is also known to experience thunderstorms and severe winter storms.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
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Driving in Baltimore
Major HighwaysI-95 I-83 I-70
Toll RoadsHarbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
Car Insurance Companies in Baltimore
Find Local Baltimore Agents
Abrams Insurance Agency
110 E. 25th Street, Baltimore, MD 21218
H. U. Dove & Company, Inc.
250 S President St Ste 3700, Baltimore, MD 21202
Maury Donnelly & Parr Insurance
24 Commerce St, Baltimore, MD 21202
Anna Ewell t/a Michael F. DiLiello Company
406 S High St, Baltimore, MD 21202
Potomac Insurance Network
2360 Boston St, Baltimore, MD 21224
Mason & Carter Inc
23 South St, Baltimore, MD 21202
Bayview Insurance Agency, Ltd.
2323 Eastern Avenue, Baltimore, MD 21224
Bar Associations Insurance Agency, Inc.
1 E Pratt St Unit 902, Baltimore, MD 21202
Mayer Steinberg, Inc.
104 Church Lane Suite 300, Baltimore, MD 21208
Diversified Insurance Industries, Inc.
2 Hamill Road Suite 155 West Quadrangle, Baltimore, MD 21210
Ruck Insurance Agency, Inc.
5305 Harford Rd., Baltimore, MD 21214
Potomac Insurance Network, Inc.
2360 Boston Street, Baltimore, MD 21224
Qwik Tag Title T/A Qwik Incorporations
2222 N. Howard Street, Baltimore, MD 21218
Parallel Risk Advisors, LLC
509 S. Exeter St Ste 505, Baltimore, MD 21202
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