What's the Average Cost of Car Insurance in Baltimore?


It is common knowledge that Baltimore has costly premiums, as its mean premium surpasses Maryland's average by 45%. Therefore it is imperative to save while insuring a vehicle in Baltimore. We've analyzed how car insurance rates in Baltimore compare to costs nationwide.


INSURANCE RATES: BALTIMORE VS. US/STATE AVERAGES
City AverageState AverageNational Average
$1,796$1,240$1,427


Baltimore Auto Insurance by Credit Rating


Improving your credit tier from Very Poor credit (300-579) to Exceptional credit (800-850) can save you an average of $1,660 every year on car insurance. Moving from Fair (580-669) to Good (670-739) brings in the biggest percent decrease in premiums, as drivers save approximately 20% per year.


BALTIMORE AUTO INSURANCE COSTS BY CREDIT TIER
Credit LevelAverage Car Insurance Rate
Very Poor$3,299
Fair$2,828
Good$2,276
Very Good$1,867
Exceptional$1,639


Baltimore Auto Insurance by Gender and Marital Status


In Baltimore, marital status and gender can impact your auto insurance rates. Being married, as opposed to single, can cost you an average of $41 more per year. Rates for those who are widowed are relatively cheaper than rates for those who are single. Premiums for women tend to be a bit more costly than for men.


BALTIMORE CAR INSURANCE PREMIUMS BY GENDER AND MARITAL STATUS
Marital Status/GenderAverage Rate
Female$1,801
Male$1,796
Single$1,796
Married$1,837
Divorced$1,796
Widowed$1,750


Baltimore Car Insurance for High-Risk Drivers


Knowing which driving mishaps can balloon the price of car insurance rates will help you make better decisions and save money. Many people look at speeding as a minor offense, but getting pulled over for speeding (16-20mph over the limit) raises your car insurance rates by $251. $855 is the amount by which you can expect your annual insurance premiums to rise in Baltimore if you have an at-fault accident on your driving record.


AVERAGE BALTIMORE INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
Violation/IncidentMean Rate
DUI$2,610
Reckless Driving$2,377
At-fault Accident (damages less than $1,000)$2,651
At-fault Accident (damages greater than $2,000)$2,651
Speeding Ticket (16-20 mph over speed limit)$2,047


Baltimore Car Insurance Premiums by Age

Among all age groups, drivers in their 50s have the lowest premiums, with rates of $1,593. Teenage drivers have the most expensive rates of any age group, with car insurance payments of $5,794 on average. In Baltimore, drivers see the largest fall in premiums when they reach their 20s, as they save an average of 58% from moving out of the teenage age bracket. Insurance rates continue to trend downward up until drivers turn 60.


BALTIMORE AUTO INSURANCE RATES BY AGE
AgeAverage Rate
Teenagers$5,794
20s$2,447
30s$1,767
40s$1,717
50s$1,593
60s$1,786
70s$1,892


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.

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

Parallel Risk Advisors, LLC

509 S. Exeter St Ste 505 Baltimore, MD 21202

Maury Donnelly & Parr Insurance

24 Commerce 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

H. U. Dove & Company, Inc.

250 S President St Ste 3700 Baltimore, MD 21202

Potomac Insurance Network

2360 Boston St Baltimore, MD 21224

Diversified Insurance Industries, Inc.

2 Hamill Road Baltimore, MD 21210

Qwik Tag Title T/A Qwik Incorporations

2222 N. Howard Street Baltimore, MD 21218

Anna Ewell t/a Michael F. DiLiello Company

406 S High St Baltimore, MD 21202

Abrams Insurance Agency

110 E. 25th Street Baltimore, MD 21218

Potomac Insurance Network, Inc.

2360 Boston Street Baltimore, MD 21224

Ruck Insurance Agency, Inc.

5305 Harford Rd. Baltimore, MD 21214

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue Baltimore, MD 21224

Mason & Carter Inc

23 South St Baltimore, MD 21202

See All

2

$1,771

The average Baltimorean's annual cost of coverage

2

40%

Our customer's average savings after comparing insurance

icon_coffee

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:

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Baltimore Car Insurance

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