What's the Cost of Car Insurance in Baltimore?

Car insurance premiums in Baltimore are, unfortunately, recognized for being on the pricier side. However, driving without insurance is not an option if you want to stay on the correct side of the law, as certain limits are imposed by the state of Maryland requiring minimums of coverage to be carried by all drivers. Bodily injury liability and property damage liability can keep you protected in case you find yourself at fault in an accident. You can also get a policy with extra coverages such as collision coverage and uninsured motorist coverage that can further protect you as well as your property.

Understanding premium costs while insuring a vehicle in Baltimore is crucial because premiums in the city are generally 53% greater than the state average. Hold on to your cash by reviewing our ways to find cheap car insurance in Baltimore.

City AverageState AverageNational Average

Baltimore Car Insurance by Credit Level

Your credit history is a big factor in what you pay for your coverage. Car insurance companies have found a direct link between having poor credit and a likelihood of filing claims. If your credit is somewhat tarnished, you can expect to pay higher car insurance rates.

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). If your aim is to find cheap car insurance, repairing your credit could be a great option.

CreditAverage Car Insurance Rate
Very Poor$3,600
Very Good$1,847

Baltimore Auto Insurance by Age

There isn't much you can do about your age (expect wait). Still, knowing how your insurance company sees drivers in your age bracket can be helpful. Certain age groups are seen as more experienced and mature, which can lead them to cheaper car insurance. But which age group is most likely to pay more for their insurance policy?

Teenage drivers are the ones who pay the most in car insurance premiums, with average payments of $6,577. 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.

AgeAverage Rate

Baltimore Auto Insurance for Drivers With At-Fault Accidents or Violations

Prior accidents and violations can cost you in terms of car insurance premiums. Your insurance company will look carefully at your driving record, taking note of any accidents that could have caused property damage or injury. This can lead to paying much more for your insurance policy. How much will a spotty driving history affect the cost of your insurance coverage?

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. If you are looking for cheap car insurance, keeping a clean driving record should be your goal.

Violation/IncidentAverage Rate
Reckless Driving$2,902
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 on coverage compared to those who are married. Rates for those who are widowed are moderately cheaper than rates for those who are single. Usually, males pay more to insure a vehicle than females, but not by much.

Marital Status/GenderAverage 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 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

Find Local Baltimore Agents

Abrams Insurance Agency

110 E. 25th Street, Baltimore, MD 21218

Maury Donnelly & Parr Insurance

24 Commerce St, Baltimore, MD 21202

Ruck Insurance Agency, Inc.

5305 Harford Rd., Baltimore, MD 21214

Diversified Insurance Industries, Inc.

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

H. U. Dove & Company, Inc.

250 S President St Ste 3700, Baltimore, MD 21202

Mayer Steinberg, Inc.

104 Church Lane Suite 300, Baltimore, MD 21208

Qwik Tag Title T/A Qwik Incorporations

2222 N. Howard Street, Baltimore, MD 21218

Potomac Insurance Network

2360 Boston St, Baltimore, MD 21224

Bar Associations Insurance Agency, Inc.

1 E Pratt St Unit 902, Baltimore, MD 21202

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue, Baltimore, MD 21224

Parallel Risk Advisors, LLC

509 S. Exeter St Ste 505, Baltimore, MD 21202

Anna Ewell t/a Michael F. DiLiello Company

406 S High St, Baltimore, MD 21202

Potomac Insurance Network, Inc.

2360 Boston Street, Baltimore, MD 21224

Mason & Carter Inc

23 South St, 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

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Recent Questions:

Baltimore Car Insurance

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.

Does a salvaged title for a car affect its value?

Having a salvaged title can be tricky when you are wanting to add coverage for physical damage (comprehensive and collision). Many companies will not insure the car with comprehensive and collision because of the very definition of a salvaged title: the car has been considered a total loss, meaning the damage to the car costs more than what the car was worth.

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.

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.