Baltimore Car Insurance

How much does car insurance cost in Baltimore, MD? Check out the average rates that drivers pay below.

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What Is the Average Cost of Car Insurance in Baltimore?

Baltimore is a famous city known for Fort McHenry, which is the birthplace of the U.S. anthem, the Star-Spangled Banner. Residents can explore Baltimore's gorgeous Inner Harbor that's home to the National Aquarium, Maryland Science Center and American Visionary Arts Museum.

Residents can use the Maryland Transit Administration (MTA) to travel through the city, but it's always nicer to have a car to visit every exciting attraction in Baltimore.

Are you a Baltimore resident that needs insurance coverage for your vehicle? SmartFinancial can help you find affordable insurers who will meet your needs and budget. In this article, you'll learn about the auto insurance requirements for Baltimore.

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 $195.21 per month compared to the national average of $167.23 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.

AreaAverage Monthly Rate
National $167.23
Maryland $158.71
Baltimore, Maryland $195.21

Baltimore, MD Best Car Insurance Companies

car insurance in Baltimore

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 $115.60 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.

RankCompanyAverage Monthly RateComparison State Average
1 American Family $87.33-44.98%
2 USAA $115.60-27.16%
3 Farmers $144.83-8.75%
4 Auto Club Group $150.83-4.97%
5 National Farmers Union P $159.170.29%
6 State Auto $226.6642.81%
7 Clearcover $228.9644.26%
8 Erie $230.1044.98%
9 State Farm $231.1745.66%
10 Safeco $246.7355.46%

How Much is Car Insurance in Baltimore, MD?

how much is auto insurance in Baltimore

Rates can vary from city to city. The residents of Annapolis typically pay $133.89 per month while people who live in Baltimore will pay $195.21 per month on average. See what people pay for car insurance in other cities in Maryland.

Maryland CitiesMonthly Average Rate
Annapolis $133.89
Baltimore $195.21
Bowie $158.39
Capitol Heights$187.46
Frederick $121.95
Gaithersburg $139.56
Hagerstown $113.04
Rockville $125.41
Silver Spring$148.51
Upper Marlboro$167.48

Cheap Car Insurance in Baltimore by Zip Codes

find cheap auto insurance in Baltimore

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.

Baltimore, MD ZIP CodeAverage Monthly Rate

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 $381.83 per month in Baltimore. Compare that to drivers in their 30’s who typically pay around $173.70 per month drivers in their 40s at $167.83 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.

Age GroupAverage Monthly Rate

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, Safeco typically charges around $94.38 per month. This is likely the most affordable option in Baltimore. You might also want to consider Clearcover and USAA who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
State Auto$226.50

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 $138.45 per month. Clearcover , Safeco , State Auto and State Farm are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
State Auto$275.99
State Farm$286.35

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 $105.49 per month, followed by Clearcover at $169.75 and Erie at $206.37.

CompanyAverage Monthly Rate
State Farm$207.32
State Auto$208.52

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.

CompanyAverage Monthly Rate
American Family$87.33
Auto Club Group$150.83
National Farmers Union P$159.17

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 $108.32 per month.

CompanyAverage Monthly Rate
State Auto$156.88
State Farm$212.11

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 $104.02 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
State Auto$167.50
State Farm$209.19

Driver's Coverage Auto Insurance Rates in Baltimore, MD

driver's coverage

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 $197.52 while drivers who are not currently covered will pay around $192.90.

CoverageAverage Monthly Rate
Not Currently Insured $192.90
Currently Insured $197.52

Compare Recent Car Insurance Quotes in Baltimore

auto insurance quotes in Baltimore city

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 2012 Honda Civic can expect to pay around $80.76 per month while someone that owns a 2010 Acura Tl may pay around $55.15 per month. Check out the list of recent quotes in Baltimore below.

VehicleAverage Monthly Rate
2012 Honda Civic$80.76
2010 Acura Tl$55.15
2015 Dodge Dart$152.90
2020 Hyundai Sonata$115.95
2019 Ram 1500 Classic$124.30
2024 Subaru Forester$131.90
2013 Acura ILX$257.58
2010 Dodge Journey$69.98
2016 Chevrolet Malibu$153.47

FAQ's for Drivers in Baltimore, MD

driver’s frequently asked question in Baltimore

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.


Commute Time in Baltimore, MD

30.7 Miles

Commute Time in United States

26.4 Miles

Number of Nearest Insurance Agents in Baltimore, MD


The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

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