Car Insurance in Baltimore, MD
- Travelers offers the cheapest car insurance in Baltimore at $173/mo.
- Compare and save on auto insurance in or near Baltimore, MD with The Zebra.
Enter your ZIP code to start your search:
The Zebra works with 100+ insurance partners to connect you with the best coverage in Baltimore at the right price.
About The Zebra's recommendations
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
How much does car insurance cost in Baltimore?
Car insurance in Baltimore averages $1,666 ($278 per month), which is more expensive than the average premium in Maryland ($1,116) and the national average ($1,084).
Travelers is the cheapest option for most drivers looking to save, with full coverage rates around $173 per month.
Real quotes from real customers
Drivers across the country are saving money using The Zebra:
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Our licensed agents guided a driver in Aurora, CO find this smart deal on their Jeep Grand Cherokee with The General.
Our licensed agents guided a driver in Johnson City, TN find this smart deal on their Ford Taurus with Bristol West.
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*Quotes generated for The Zebra users within the last 30 days. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheap liability and full coverage auto insurance in Baltimore
In 2026, Travelers is the cheapest option for most drivers looking to save, with full coverage rates around $173 per month. USAA is another good option for those who qualify for membership.
Full coverage typically includes collision and comprehensive coverage, which pays for damage to your own car, while minimum liability coverage only pays for damage you cause to others. About 43% of Baltimore drivers carry only the state’s minimum required coverage, which is enough to stay legal, but wouldn't protect your finances in the event of a serious incident.
You can also add options like roadside assistance or uninsured motorist coverage. They add a small cost but can save you from expensive out-of-pocket bills later, which The Zebra’s experts say makes them worth considering.
Source: The Zebra
"People often call in and say, "I need full coverage," and just leave it at that. They don’t quite understand that 'full coverage' isn’t really a thing—there are different levels and types of coverage, each covering different things. As an advisor, I break it down and explain what they actually need and what each type of coverage entails. As a driver, be sure to ask for details so you understand what's covered and what's not."
-Amber Vigil, Licensed Agent and Manager at The Zebra
Shop around for the best rates
Car insurance prices can vary a lot, so it pays to compare. A quick quote check with companies like State Farm, Progressive, GEICO, and Nationwide can help you see what’s fair — and make sure you’re not overpaying for coverage in Baltimore.
Are you paying too much for auto insurance?
Agency Hours in Baltimore, MD
Our friendly licensed agents help Baltimore, MD drivers compare car insurance by phone or online—no office visit required!
- Monday - Friday: 8:00 AM - 12:00AM EST
- Saturday - Sunday: 10:00AM - 9:00PM EST
Car insurance rates after an accident in Baltimore
In Baltimore, an at-fault accident can raise your car insurance by $1,068 for a 6-month policy. GEICO offers the cheapest average rates after an accident, while Travelers is a good alternative.
Keeping a clean driving record is the best way to avoid these increases. Premiums can go up after accidents, speeding tickets, reckless driving, or DUIs. The impact usually lasts three to five years, though major incidents (like DUIs) can affect your rates even longer.
Updating data...
Source: The Zebra
Updating data...
| Accident/Violation | Avg. 6 Mo. Premium | Increase |
|---|---|---|
| None | $2,031 | $0 |
| One comp claim | $2,115 | $84 |
| Speeding 16 - 20 MPH over limit | $2,463 | $433 |
| At-Fault Accident | $3,099 | $1,068 |
| DUI | $3,840 | $1,809 |
| Leaving scene of an accident/hit and run | $3,873 | $1,842 |
Source: The Zebra
Why is car insurance in Baltimore so expensive?
Baltimore drivers pay higher rates due to a mix of local risks, weather, and driving trends.
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Location: Some areas in Baltimore are more prone to crime, and if you happen to live in one of those neighborhoods, you'll likely pay more than someone who lives in a safer part of town. This just comes down to risk. The difference between the cheapest and most expensive areas of the city is about $745.
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Weather: The damage caused by hurricanes and other weather-related issues has been known to bankrupt insurance companies. With Baltimore's location, it can be risky (and therefore more expensive) for insurers to do business here.
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Drivers: About 32% of drivers in Baltimore are uninsured. Since Maryland requires uninsured motorist coverage, this will add extra protection if you're hit by an uninsured driver.
Baltimore drivers' individual car insurance rates are determined by insurers based on a range of rating factors that insurers use to assess the level of risk they pose. Such rating factors can include age, gender, location, credit score and others. Although most insurance companies use similar rating factors, the extent to which these factors influence a driver's premium can vary.
Local insights
Drivers near you in Baltimore weigh in
"Insurance rates have gone up nationwide. It's not just you. Although, in addition, Baltimore has significantly higher rates than other areas due to the insurance agencies deeming it a higher risk living here."
-Reddit user on r/Baltimore[1]
"So I recently moved here and I cannot find reasonable car insurance for less than $200 a month. Even a bare-bones state minimum quote is around $160. I have a newer car but I rarely drive it and it's kept in a locked garage most of the time. Because holy cow I did not anticipate spending over $2,000 a year on car insurance."
-Reddit user on r/Baltimore[2]
Meet the experts behind The Zebra's content
Our content is written and reviewed by licensed insurance experts with decades of combined industry experience.
Renata joined The Zebra in 2020 as a Customer Experience Agent. Since 2021, she has worked as a licensed insurance professional and content strategis…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 5 years of experience in the insurance industry
Beth joined The Zebra in 2022 as an Associate Content Strategist. A licensed insurance agent, she specializes in creating clear, accessible content t…
Credentials
- Licensed Insurance Agent — Property and Casualty
- Associate in Insurance (AINS)
- Professional Risk Consultant (PRC)
- Associate in Insurance Services (AIS)
Kristine joined The Zebra in 2019 as an in-house content researcher and writer, with a property and casualty insurance license. Before joining The Ze…
Credentials
- Licensed Insurance Agent — Property and Casualty
- 6+ years of Experience in the Insurance Industry
Find the best rates for both auto and home insurance in minutes!
Baltimore car insurance FAQs:
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Car Insurance.Reddit.com
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Insurance in Baltimore.Reddit.com
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About The Zebra
The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.
