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 Average||State Average||National Average|
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 Level||Average Car Insurance Rate|
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/Gender||Average Rate|
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
|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
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 HighwaysI-95 I-83 I-70
Toll RoadsHarbor Tunnel Thruway U.S 50 Chesapeake Bay U.S. 301 Potomac River
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
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Baltimore Car Insurance
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