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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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 Cheap
21213 21217 21223 21215 21216
21240 21250 21226 21210 21225

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

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

Car Insurance Companies in Baltimore

Find Local Baltimore Agents

Ruck Insurance Agency, Inc.

5305 Harford Rd. Baltimore, MD 21214

Diversified Insurance Industries, Inc.

2 Hamill Road Baltimore, MD 21210

Abrams Insurance Agency

110 E. 25th Street Baltimore, MD 21218

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