Car Insurance in Baltimore

On average, Baltimore premiums exceed Maryland's average by 45%. Who doesn't like to save money? Check out some methods to save on car insurance in Baltimore.

  • City Average: $1,796
  • State Average: $1,240
  • National Average: $1,427

Baltimore Car Insurance by Accident or Violation History

Maintaining a spotless driving record is crutial if you want to keep your car insurance rates low. An at-fault accident with greater than $2000 of damages will increase your car insurance premiums more than other driving violations. For individuals in Baltimore with at-fault accidents, $855 is the amount by which annual insurance premiums can be expected to rise. On average, a DUI in Baltimore will cost you 45% more in car insurance premiums versus the city average of $1,796. Reckless driving will drive your rates up as well, with average rates of $2,377.

  • DUI: $2,610
  • Reckless Driving: $2,377
  • At-fault Accident (damages less than $1000): $2,651
  • At-fault Accident (damages greater than $2000): $2,651
  • Speeding Ticket (16-20 mph over speed limit): $2,047

Baltimore Car Insurance by Age

Drivers in their 50s save money on insurance payments, as they have the smallest rates among all age groups, paying only $1,593 every year. The greatest decline in premiums between any age group is from the teenage age bracket to the 20s, as drivers in Baltimore start saving an average of $3,346. Car insurance premiums for drivers in Baltimore continue to fall through their 50s, but they can anticipate to pay more when they turn 60. Car insurance premiums are highest for teenage drivers, with typical rates of $5,794 per year.

  • Teenagers: $5,794
  • 20s: $2,447
  • 30s: $1,767
  • 40s: $1,717
  • 50s: $1,593
  • 60s: $1,786
  • 70s: $1,892

Baltimore Car Insurance by Credit Rating

Improving your credit can save you a sizable amount of money. Those in the top credit tier (800-850) normally save 50% every year on premiums compared to those in the bottom tier (300-579). Moving from Fair (580-669) to Good (670-739) hands over the biggest percent reduction in premiums to drivers, as they save nearly 20% per year.

  • Very Poor: $3,299
  • Fair: $2,828
  • Good: $2,276
  • Very Good: $1,867
  • Exceptional: $1,639

Baltimore Car Insurance by Gender and Marital Status

In Baltimore, numerous driver traits, including marital status and gender, can have an effect on car insurance premiums. However, males have premiums that are only a bit cheaper than those for females. Being married can cost you an average of $41 more per year compared to being single. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

  • Female: $1,801
  • Male: $1,796
  • Single: $1,796
  • Married: $1,837
  • Divorced: $1,796
  • Widowed: $1,750

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

Qwik Tag Title T/A Qwik Incorporations

2222 N. Howard Street Baltimore, MD 21218

Potomac Insurance Network, Inc.

2360 Boston Street Baltimore, MD 21224

Maury Donnelly & Parr Insurance

24 Commerce St Baltimore, MD 21202

H. U. Dove & Company, Inc.

250 S President St Ste 3700 Baltimore, MD 21202

Diversified Insurance Industries, Inc.

2 Hamill Road Baltimore, MD 21210

Abrams Insurance Agency

110 E. 25th Street Baltimore, MD 21218

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue Baltimore, MD 21224

Ruck Insurance Agency, Inc.

5305 Harford Rd. Baltimore, MD 21214

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

Potomac Insurance Network

2360 Boston St Baltimore, MD 21224

Mayer Steinberg, Inc.

104 Church Lane Baltimore, MD 21208

Parallel Risk Advisors, LLC

509 S. Exeter St Ste 505 Baltimore, MD 21202

Mason & Carter Inc

23 South St Baltimore, MD 21202

See All

Click below to get free quotes in seconds!

Ready to get car insurance, Baltimore?

Start Saving Now!


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

Click below to get free quotes in seconds!

Start Saving Now!
Additional Resources:

Baltimore Car Insurance

What You Need to Know about Getting High and Driving in 2017
What You Need to Know about Getting High and Driving in 2017
Jan 30, 2017

Marijuana legalization in the U.S. is constantly evolving, and states continue to modify their own legislation on their own timelines....

‘Tis the Season to Volunteer (with Your Car)
‘Tis the Season to Volunteer (with Your Car)
Nov 29, 2016

For those looking to keep the spirit of giving alive this holiday season, the old standbys are still excellent: gift...

When Is It Worth It to Pay for More Liability Coverage?
When Is It Worth It to Pay for More Liability Coverage?
Nov 23, 2016

Every driver must carry his or her state’s minimum limit of liability coverage. This consists of coverage that protects other...

Help, My Car is a Lemon!
Help, My Car is a Lemon!
Sep 20, 2016

You’ve probably heard of “lemons” as the term pertains to cars, but the details of consumer protections and lemon laws...

What Cars Do Olympic Athletes Drive?
What Cars Do Olympic Athletes Drive?
Aug 12, 2016

The Olympics are in full swing now in Rio, and many famous names grace the screen, setting gold medal records...

Are Vehicle Inspections Really About Safety?
Are Vehicle Inspections Really About Safety?
Jul 18, 2016

The world of automotive regulations is quite complicated. For instance, each state makes and maintains its own regulations for auto...

Bow-OW! Do You Need Car Insurance for Your Pet?
Bow-OW! Do You Need Car Insurance for Your Pet?
Mar 14, 2016

Many pet owners frequently drive with their animals, and while we might know the safest ways for pets to travel...

How to Get Car Insurance for Undocumented Citizens
How to Get Car Insurance for Undocumented Citizens
Aug 27, 2015

Purchasing car insurance: for US citizens, it’s often a rather mundane chore—something that whittles away at disposable income, but without...

Auto Repair: How to Choose a Mechanic
Auto Repair: How to Choose a Mechanic
Jun 04, 2015

Finding a repair shop and mechanic you trust to both fix your car well and not take you for a...

Should Price Optimization Be Illegal?
Should Price Optimization Be Illegal?
Feb 23, 2015

If you haven’t had a car accident or made an insurance claim recently, you probably only think about your car...