Erie has the cheapest car insurance for most drivers in Baltimore, charging $71 a month for minimum coverage and $137 a month for full coverage. Erie also has the city’s cheapest rates in several other categories.
Key findings:
- Cheapest overall: Erie
- Cheapest with violations: Erie
- Cheapest for teens: Erie
- Cheapest for seniors: Erie
USAA has the city’s cheapest rates if you’re a current or former member of the military or you’re an eligible relative of one.
In this article
- What is the cheapest car insurance company in Baltimore?
- What is the average cost of car insurance in Baltimore?
- Who has the cheapest car insurance for tickets, accidents and DUIs?
- Who has the cheapest car insurance for teens?
- Who has the cheapest car insurance for seniors?
- What are Baltimore’s car insurance requirements?
Who has the cheapest car insurance in Baltimore, Maryland? Erie
Erie offers the cheapest car insurance rates in Baltimore for minimum-coverage policies at $71 a month, on average. It also offers the city’s cheapest rates for full-coverage policies at an average of $137 a month.
State Farm is a great option for cheap car insurance in Baltimore, too, charging $102 a month for minimum coverage and $168 a month for full coverage, on average.
| Company | Monthly rate |
|---|---|
| Erie | $71 |
| State Farm | $102 |
| Allstate | $133 |
| City average | $134 |
| Nationwide | $211 |
| Progressive | $224 |
| USAA | $61 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Compare car insurance rates with USAA if you or a family member have ties to the military. USAA’s average monthly rate for minimum-coverage car insurance in Baltimore is $61, while its average monthly rate for full coverage is $113.
| Company | Monthly rate |
|---|---|
| Erie | $137 |
| State Farm | $168 |
| City average | $226 |
| Allstate | $247 |
| Progressive | $328 |
| Nationwide | $360 |
| USAA | $113 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
A minimum-coverage policy meets Maryland’s requirements for liability car insurance, which covers injuries and property damage you cause to others. It doesn’t cover your own medical bills or car repairs.
A full-coverage policy usually includes collision and comprehensive coverages as well as liability. Maryland state law doesn’t require full-coverage car insurance, but many lenders and lessors do. Even if it’s not required, you should consider getting full coverage if your vehicle is new or expensive.
How much does car insurance cost in Baltimore, on average?
The average cost of car insurance in Baltimore is $134 a month if you buy a minimum-coverage policy. For full-coverage car insurance, the average cost is $226 a month.
Car insurance costs more in Baltimore than it does across Maryland, where the state average for minimum coverage is $108 a month and for full coverage is $184 a month. It also costs more than the national averages for these amounts of car insurance, which are $113 a month and $211 a month, respectively.
Compare car insurance quotes from top companies
Cheapest car insurance in Baltimore by driving record
Erie is the best company for cheap car insurance if you’re a Baltimore driver with a violation like a speeding ticket, accident or DUI on your record.
Erie’s average rate in Baltimore for car insurance after a speeding ticket is $144 a month – the cheapest of the widely available insurers we surveyed.
| Company | Monthly rate |
|---|---|
| Erie | $144 |
| State Farm | $185 |
| Allstate | $299 |
| USAA | $135 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Baltimore drivers with an accident on their records can also find the cheapest car insurance rates with Erie at $179 a month. State Farm and USAA are good, cheap options here, too, if you qualify.
| Company | Monthly rate |
|---|---|
| Erie | $179 |
| State Farm | $211 |
| Allstate | $416 |
| USAA | $188 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Erie has the cheapest car insurance rates for drivers with a DUI, too, charging $144 a month, on average. Consider State Farm and Allstate here as well, as both are cheaper than the city average of $289 a month in this case.
| Company | Monthly rate |
|---|---|
| Erie | $144 |
| State Farm | $185 |
| Allstate | $257 |
| USAA | $306 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Drivers with incidents like DUIs and accidents usually pay higher rates for car insurance because insurers believe these drivers are likely to be involved in similar incidents, and file claims related to them, down the road.
Where can I get cheap car insurance in Baltimore for teen drivers? Erie
For cheap car insurance as a teen driver in Baltimore, go to Erie, which charges an average of $173 a month for minimum coverage. Erie also has the city’s cheapest full-coverage car insurance for teens at $349 a month.
| Company | Monthly rate |
|---|---|
| Erie | $173 |
| State Farm | $298 |
| Allstate | $470 |
| USAA | $182 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
State Farm also offers affordable auto insurance rates to Baltimore teens, with an average monthly rate of $298 for minimum coverage and $510 for full coverage.
| Company | Monthly rate |
|---|---|
| Erie | $349 |
| State Farm | $510 |
| Allstate | $948 |
| USAA | $337 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Teens with direct or family ties to the military should compare quotes with USAA, as we found its average rates comparable to those of Erie.
Get cheap car insurance in Baltimore
Where can I get cheap car insurance in Baltimore for senior drivers? Erie
To get cheap car insurance as a senior driver in Baltimore, check out Erie. It offers minimum-coverage policies to seniors at $67 a month, on average, and full-coverage policies at $128 a month.
| Company | Monthly rate |
|---|---|
| Erie | $67 |
| State Farm | $99 |
| Allstate | $148 |
| USAA | $61 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
Once again, State Farm is a good choice for affordable coverage, too. It charges an average rate of $99 a month for minimum-coverage auto insurance and $159 a month for full coverage.
| Company | Monthly rate |
|---|---|
| Erie | $128 |
| State Farm | $159 |
| Allstate | $260 |
| USAA | $110 |
| Note: Average rates are based on non-binding estimates provided by Quadrant Information Services. Your rates may vary. | |
USAA may be your best option for cheap car insurance as a Baltimore senior if you’re current or former military or if you’re related to someone who is. USAA’s average monthly rate for minimum coverage in this case is $61, while for full coverage it’s $110.
What are Baltimore’s car insurance requirements?
Baltimore drivers must have 30/60/15 car insurance at a minimum, according to Maryland state law. This means all policies need at least:
- $30,000 of bodily injury liability coverage for one person
- $60,000 of bodily injury liability coverage for two or more people
- $15,000 of property damage liability coverage
Methodology
We obtained non-binding quotes from Quadrant Information Services for a typical driver in every Baltimore ZIP code to find the cheapest car insurance companies and rates. Unless otherwise noted, the driver is a 35-year-old male with a clean driving record. He owns a 2012 Honda Accord LX and drives an average 13,500 miles a year.
The teen driver in this article is 18 years old but otherwise fits the same profile as the 35-year-old driver above. The same is true of our senior driver, who is 60.
Minimum-coverage car insurance rates highlighted on this page are based on a policy that meets Maryland’s minimum liability requirements. Full-coverage rates are based on a policy with the following limits and deductibles:
- $100,000 bodily injury liability coverage per person
- $300,000 bodily injury liability coverage per accident
- $100,000 property damage liability coverage
- $500 deductibles for both collision and comprehensive coverage
Sources:
Auto insurance by city
- Baltimore
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