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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.

Baltimore Average (annual) Maryland Average U.S. Average
$2,072 $1,415 $1,548

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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 gather car insurance quotes based on your unique profile.

Insurer Average Yearly Rate
GEICO $1,367
USAA $1,765
Erie $2,104
Nationwide $2,256
State Farm $2,486

Read our guide to finding the best cheap auto insurance.

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.

Age tier Average Yearly Rate
Teens $7,169
20s $2,881
30s $2,035
40s $1,959
50s $1,820
60s $2,007
70s $2,202

Learn more about how age influences auto insurance rates.

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.

Marital Status/Gender Average Yearly Rate
Female $2,118
Male $2,072
Single $2,057
Married $2,057
Divorced $2,072
Widowed $2,036

Read more about the relationships between gender, marital status and insurance rates.

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. Auto 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.

Violation Average Yearly Rate
DWI/DUI $3,064
Reckless Driving $3,116
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

Learn more about how citations can raise your auto insurance rates.

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.

Credit Score Average Annual Rate
Very Poor $3,896
Fair $2,475
Good $2,072
Very Good $1,933
Exceptional $1,746

Learn more about the relationship between poor credit and car insurance.

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

Be Prepared For

Driving in Baltimore

Major Highways
I-95 I-83 I-70
Toll Roads
Harbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
Popular Day Trips
Sandy Point State Park Mount Vernon Chesapeake Beach

Baltimore Car Insurance Companies Near Me

Find Local Baltimore Agents

Potomac Insurance Network, Inc.

2360 Boston Street, Baltimore, MD 21224

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue, Baltimore, MD 21224

Abrams Insurance Agency

110 E. 25th Street, Baltimore, MD 21218

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

Mason & Carter Inc

23 South St, Baltimore, MD 21202

Diversified Insurance Industries, Inc.

2 Hamill Road Suite 155 West Quadrangle, Baltimore, MD 21210

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

Anna Ewell t/a Michael F. DiLiello Company

406 S High St, Baltimore, MD 21202

Ruck Insurance Agency, Inc.

5305 Harford Rd., Baltimore, MD 21214

Maury Donnelly & Parr Insurance

24 Commerce St, Baltimore, MD 21202

Potomac Insurance Network

2360 Boston St, Baltimore, MD 21224

H. U. Dove & Company, Inc.

250 S President St Ste 3700, Baltimore, MD 21202


The average Baltimorean's annual cost of coverage


Our customer's average savings after comparing insurance



That's equal to 283 cups of coffee or $708 in savings

See How Much You Can Save in Baltimore

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Someone backed car into me who is at fault

Sorry to hear you were in an accident. First, the only people who can determine fault in an accident are insurance companies through their insurance adjusters.
Jun 22, 2018 Baltimore, MD

What should I do if I was hurt in a hit and run accident in Maryland?

If your auto insurance policy includes full PIP coverage then you should be covered up to your policy limit for medical bills. Uninsured Motorist coverage is also required in Maryland so, even if the other driver fled the scene of the accident and you don't have full PIP, your insurance policy should still cover your injuries.
Aug 14, 2017 Baltimore, MD

I hit someone's door who opened it into my right of way

This one is really tricky. Typically it is up to the person driving to maintain control of the vehicle but every situation is different.
Oct 18, 2018 Baltimore, MD

If I returned my car because it was a lemon, will I get a refund on my insurance policy?

Each company is a bit different in how they refund policies. However, since your vehicle was returned, you might be eligible for a full refund if you submit some sort of proof to the insurance company that your vehicle was defective.
Dec 23, 2016 Baltimore, MD

Kristine Lee photo
Kristine LeeManager, Content and Data

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a freelance copywriter for over five years. 

She is an authority on all things insurance and covers the ins and outs of auto, home, life and renters insurance. Her specialty is in providing data-backed insights and information to help insurance shoppers make informed decisions.

Kristine's insurance expertise and research have been cited by publications such as CNBC, BadCredit.orgCar and Driver, Business Insider, Yahoo!, The Balance, Nationwide and Elephant.

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 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.