Baltimore Car Insurance

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Maryland has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Baltimore typically pay around $211.14 per month compared to the national average of $146.47 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

Baltimore, MD Best Car Insurance Companies

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, American Family generally has the most affordable car insurance in Baltimore coming in around $87.33 per month. Other companies to consider if you live in Baltimore is USAA with an average cost of $118.44 per month and Farmers which typically runs around $144.83 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Baltimore.

How Much is Car Insurance in Baltimore, MD?

Rates can vary from city to city. The residents of Annapolis typically pay $129.80 per month while people who live in Baltimore will pay $211.13 per month on average. See what people pay for car insurance in other cities in Maryland.

Cheap Car Insurance in Baltimore by Zip Codes

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of Maryland. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Car Insurance Rates by Driver's Age Group in Baltimore

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $485.18 per month in Baltimore. Compare that to drivers in their 30’s who typically pay around $192.05 per month drivers in their 40s at $182.10 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Cheapest Insurance for Teenage Drivers in Baltimore

If you are teen in Baltimore you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, Clearcover typically charges around $127.27 per month. This is likely the most affordable option in Baltimore. You might also want to consider USAA and Erie who also offer good affordable policies for teen drivers.

Cheapest Insurance for 20 Year-olds in Baltimore

20 year-olds in Baltimore might want to consider USAA who, on average, offers car insurance rates around $144.42 per month. Clearcover , State Farm , Erie and Allstate are also in the top 5 cheapest rates available.

Cheapest Insurance for 30 Year-olds in Baltimore

If you are in your 30s in Baltimore our research has found that USAA typically has the most affordable coverage coming in around $108.57 per month, followed by Clearcover at $198.00 and Erie at $207.99.

Cheapest Insurance for 40 Year-olds in Baltimore

On average, American Family offers car insurance for 40 year-olds in Baltimore for around $87.33 per month. If you are looking for affordable coverage, you may also want to consider USAA or Farmers. The full list of top companies is below.

Cheapest Insurance for 50 Year-olds in Baltimore

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Baltimore we found that USAA generally offers the most affordable coverage at $108.54 per month.

Cheapest Insurance for 60 Year-olds in Baltimore

If you live in Baltimore and you’re in your 60s, our data indicates that USAA usually has the best rates at $103.76 per month. The top 5 list of car insurance companies is below.

Driver's Coverage Auto Insurance Rates in Baltimore, MD

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Baltimore, the average monthly rate for a driver who is currently insured is $195.34 while drivers who are not currently covered will pay around $228.03.

Compare Recent Car Insurance Quotes in Baltimore

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Baltimore a driver of a 2018 Kia Soul can expect to pay around $114.32 per month while someone that owns a 2022 Hyundai Elantra may pay around $146.17 per month. Check out the list of recent quotes in Baltimore below.

FAQ's for Drivers in Baltimore, MD

What Is the Minimum Amount of Liability Coverage Requirement in Baltimore?

According to Maryland's Motor Vehicle Administration, all vehicles must have liability policies that carry an adequate amount of insurance. The minimum limits are:

• Bodily Injury Liability Coverage: $30,000 for injury/death to one person
• Bodily Injury Liability Coverage (two or more people): $60,000 per accident minimum
• Property Damage Liability Coverage: $15,000 minimum

The state's minimum requirements may not provide enough coverage if at-fault in a car wreck. You may need additional insurance, especially if you have expensive assets. SmartFinancial can help you find affordable car insurance to protect you in case the worst happens. Enter your zip code to get started. It's free!

What Is the Blood Alcohol Concentration (BAC) Limit in Baltimore?

Driving Under the Influence (DUI) means a driver had alcohol or other substances in their system while using a vehicle. In Maryland, police can confiscate the driver's licenses of state residents who refuse to take blood alcohol or drug concentration tests. They can also take them from individuals who fail the test.

The state can charge individuals with impaired driving if they have the following blood alcohol concentration (BAC):

• BAC 0.08 percent or higher, if the person is 21 years old or older
• Zero Tolerance (under 21 years old)

Unfortunately, no one is perfect. If you get a DUI on your record, it can significantly increase your auto insurance rates. SmartFinancial can help you find lower insurance rates. You can fill out the form on our page and comparison shop for insurers that meet your needs.

Can I Register My Car Without Insurance in Baltimore?

No, you can't register without insurance. Maryland is a mandatory vehicle insurance state. Residents must have valid liability insurance coverage for their vehicles when they register the automobiles. The Maryland Department of Motor Vehicles (MDOT) automatically validates your insurance when you renew your registration.