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.


AUTO INSURANCE COSTS: BALTIMORE VS. STATE AND US AVERAGES
Baltimore Average (annual)Maryland AverageU.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 get car insurance quotes based on your unique driving profile.


BALTIMORE CAR INSURANCE RATES BY COMPANY
InsurerAverage 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.


BALTIMORE AUTO INSURANCE PREMIUMS BY DRIVER AGE
Age tierAverage 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.


BALTIMORE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage 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. 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.


BALTIMORE CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage 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.


BALTIMORE CAR INSURANCE RATES BY CREDIT SCORE
Credit ScoreAverage 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.

116

Rainy Days a Year

42"

Avg. Annual Rainfall

20"

Avg. Annual Snowfall

Be Prepared For

Driving in Baltimore

2
Major Highways
I-95 I-83 I-70
2
Toll Roads
Harbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
2
Popular Day Trips
Sandy Point State Park Mount Vernon Chesapeake Beach

Find Local Baltimore Agents

Maury Donnelly & Parr Insurance

24 Commerce St, Baltimore, MD 21202

H. U. Dove & Company, Inc.

250 S President St Ste 3700, Baltimore, MD 21202

Potomac Insurance Network, Inc.

2360 Boston Street, Baltimore, MD 21224

Parallel Risk Advisors, LLC

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

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue, Baltimore, MD 21224

Diversified Insurance Industries, Inc.

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

Ruck Insurance Agency, Inc.

5305 Harford Rd., Baltimore, MD 21214

Bar Associations Insurance Agency, Inc.

1 E Pratt St Unit 902, Baltimore, MD 21202

Abrams Insurance Agency

110 E. 25th Street, Baltimore, MD 21218

Potomac Insurance Network

2360 Boston St, Baltimore, MD 21224

Mason & Carter Inc

23 South St, Baltimore, MD 21202

Qwik Tag Title T/A Qwik Incorporations

2222 N. Howard Street, Baltimore, MD 21218

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

2

$1,771

The average Baltimorean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

Revised

283

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

See How Much You Can Save in Baltimore

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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.