How Much Does Car Insurance Cost in Baltimore?

Maryland premiums, which fall below the national average by 13%, are known for being low-cost. However, premiums run higher in the city, so saving while insuring a vehicle in Baltimore is vital. Let's take a look at how auto insurance costs in Baltimore compare to rates nationwide.

City AverageState AverageNational Average

Baltimore Auto Insurance by Credit Rating

Improving your credit can save you a good chunk of money. Those in the top credit tier (800-850) usually save $1,660 each year on premiums compared to those in the bottom tier (300-579). Drivers will see the greatest percent drop in premiums when they upgrade their credit from Fair (580-669) to Good (670-739). That change can save them 20% per year.

Credit ScoreAverage Car Insurance Rate
Very Poor$3,299
Very Good$1,867

Baltimore Car Insurance After an Accident or Moving Violation

A history of accidents and violations can cost you in terms of premiums. 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, car insurance is an average of $855 more per year. $814 is the additional cost per year for drivers with a DUI in Baltimore, compared to the city average of $1,796. Reckless driving will also drive your premiums up, with average rates of $2,377, which are 32% higher than the city average.

Incident/ViolationAverage Rate
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 by Marital Status and Gender

In Baltimore, many driver characteristics, including gender and marital status, play a part in car insurance premiums. However, the amount by which men's and women's car insurance premiums deviate is trivial. You spend an average of 2% more per year if you're married as opposed to single or divorced. Rates for those who are widowed are somewhat cheaper than rates for those who are single.

Marital Status/GenderAverage Rate

Baltimore Auto Insurance Costs by Driver Age

When looking across all age groups, drivers in their 50s have the lowest insurance payments. Their rates typically average $1,593 per year. When Baltimore drivers hit their 20s, therefore moving out of the teenage age bracket, they can save 58% each year. You will not see a bigger difference between any other age group. The first time drivers can anticipate their age to trigger a rise in car insurance premiums is when they turn 60. Teenage drivers have the highest rates amongst all the age groups. They pay around $5,794 on car insurance premiums.

AgeAverage 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

Diversified Insurance Industries, Inc.

2 Hamill Road Baltimore, MD 21210

Qwik Tag Title T/A Qwik Incorporations

2222 N. Howard Street Baltimore, MD 21218

Mayer Steinberg, Inc.

104 Church Lane Baltimore, MD 21208

Ruck Insurance Agency, Inc.

5305 Harford Rd. Baltimore, MD 21214

Potomac Insurance Network

2360 Boston St Baltimore, MD 21224

Abrams Insurance Agency

110 E. 25th Street Baltimore, MD 21218

Mason & Carter Inc

23 South St Baltimore, MD 21202

H. U. Dove & Company, Inc.

250 S President St Ste 3700 Baltimore, MD 21202

Bayview Insurance Agency, Ltd.

2323 Eastern Avenue Baltimore, MD 21224

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, Inc.

2360 Boston Street Baltimore, MD 21224

Maury Donnelly & Parr Insurance

24 Commerce St Baltimore, MD 21202

Parallel Risk Advisors, LLC

509 S. Exeter St Ste 505 Baltimore, MD 21202

See All

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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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Baltimore Car Insurance

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