What drives up car insurance rates in Baltimore?
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
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 HighwaysI-95 I-83 I-70
Toll RoadsHarbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
Find Local Baltimore Agents
Mayer Steinberg, Inc.
104 Church Lane Baltimore, MD 21208
Bayview Insurance Agency, Ltd.
2323 Eastern Avenue Baltimore, MD 21224
Parallel Risk Advisors, LLC
509 S. Exeter St Ste 505 Baltimore, MD 21202
Qwik Tag Title T/A Qwik Incorporations
2222 N. Howard Street Baltimore, MD 21218
Bar Associations Insurance Agency, Inc.
1 E Pratt St Unit 902 Baltimore, MD 21202
Maury Donnelly & Parr Insurance
24 Commerce St Baltimore, MD 21202
Anna Ewell t/a Michael F. DiLiello Company
406 S High St Baltimore, MD 21202
Potomac Insurance Network, Inc.
2360 Boston Street Baltimore, MD 21224
Ruck Insurance Agency, Inc.
5305 Harford Rd. Baltimore, MD 21214
Potomac Insurance Network
2360 Boston St Baltimore, MD 21224
Diversified Insurance Industries, Inc.
2 Hamill Road Baltimore, MD 21210
Mason & Carter Inc
23 South St Baltimore, MD 21202
Abrams Insurance Agency
110 E. 25th Street Baltimore, MD 21218
H. U. Dove & Company, Inc.
250 S President St Ste 3700 Baltimore, MD 21202
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Baltimore Car Insurance
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