What's the Cost of Car Insurance in Baltimore?
Understanding premium costs while insuring a vehicle in Baltimore is crucial because premiums in Baltimore are recognized for being pricey. They are generally 53% greater than the state average. Review our ways to save on Baltimore car insurance and save money.
INSURANCE PREMIUMS: BALTIMORE VS. NATIONAL/STATE AVERAGES
|City Average||State Average||National Average|
Baltimore Car Insurance by Credit Level
There is a disparity of $1,888 per year between car insurance premiums for those with Very Poor credit (300-579) and Exceptional credit (800-850). Drivers can save approximately $1,280 per year when they improve their credit tier from Very Poor (300-579) to Fair (580-669).
BALTIMORE CAR INSURANCE RATES BY CREDIT TIER
|Credit||Average Car Insurance Rate|
Baltimore Auto Insurance by Age
The most significant decrease in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Baltimore start seeing a reduction in premiums of 59%. In Baltimore, turning 60 means an increase in insurance rates. Up until then, moving between age groups means decreasing prices. Drivers in their 70s save money on car insurance payments, as they have the lowest rates among all age groups, paying only $1,534 every year. Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $6,577.
BALTIMORE CAR INSURANCE PREMIUMS BY DRIVER AGE
Baltimore Auto Insurance for Drivers With At-Fault Accidents or Violations
Prior accidents and violations can cost you in terms of car insurance premiums. Generally, a DUI in Baltimore will cost you 38% more in car insurance premiums versus the city average ($1,956). Reckless driving will also drive your rates up, with average rates of $2,902. That is 48% higher than the city average. The severity of an at-fault accident influences insurance rates. Being at-fault in an accident with damages exceeding $2,000 costs you another 14% per year in premiums compared to an accident with damages less than $1,000.
AVERAGE BALTIMORE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|At-fault Accident (damages less than $1,000)||$2,544|
|At-fault Accident (damages greater than $2,000)||$2,911|
|Speeding Ticket (16-20 mph over speed limit)||$2,243|
Baltimore Auto Insurance by Marital Status and Gender
Car insurance premiums in Baltimore are affected by marital status as well as gender. People who are single save around $40 per year compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Usually, males have premiums that are more pricey than those for females, but not by much.
BALTIMORE CAR INSURANCE RATES BY GENDER AND MARITAL STATUS
|Marital Status/Gender||Average 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 & decreased visibility.
And that's not the worst of it. Each year there are more than 700,000 weather-related car accidents. 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. You can check on the condition of the roads anytime here.
Rainy Days a Year
Avg. Annual Rainfall
Avg. Annual Snowfall
Be Prepared For
Driving in Baltimore
Major HighwaysI-95 I-83 I-70
Toll RoadsHarbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
Find Local Baltimore Agents
Ruck Insurance Agency, Inc.
5305 Harford Rd. Baltimore, MD 21214
H. U. Dove & Company, Inc.
250 S President St Ste 3700 Baltimore, MD 21202
Abrams Insurance Agency
110 E. 25th Street Baltimore, MD 21218
Anna Ewell t/a Michael F. DiLiello Company
406 S High St Baltimore, MD 21202
Bar Associations Insurance Agency, Inc.
1 E Pratt St Unit 902 Baltimore, MD 21202
Mayer Steinberg, Inc.
104 Church Lane Baltimore, MD 21208
Potomac Insurance Network
2360 Boston St Baltimore, MD 21224
Maury Donnelly & Parr Insurance
24 Commerce St Baltimore, MD 21202
Diversified Insurance Industries, Inc.
2 Hamill Road Baltimore, MD 21210
Bayview Insurance Agency, Ltd.
2323 Eastern Avenue Baltimore, MD 21224
Mason & Carter Inc
23 South St Baltimore, MD 21202
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
The average Baltimorean's annual cost of coverage
Our customer's average savings after comparing insurance
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Baltimore Car Insurance
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