Best Auto Insurance Rates in Baltimore, Maryland

On average your neighbors pay $83 a month.

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Compare Auto Insurance Quotes in Baltimore, MD

Baltimore, Maryland is known as a city of neighborhoods, with 72 unique and historic districts. Whichever neighborhood you call home, you deserve the most affordable car insurance rates you can get.

Average Baltimore Car Insurance Rates

How much is car insurance in Baltimore, MD? Residents pay more on average for car insurance in Baltimore than drivers living in many other US cities. High crime and the frequency of car accidents per capita are only some of the factors contributing to the elevated insurance rates for Baltimore drivers. On average, auto insurance in Maryland costs $1,001.17 per year. The national average cost is $866.31.

Rates vary depending on your limits, coverage, zip code and the total number of claims filed.

Maryland Average Annual Car Insurance Rates
Coverage Rates
Liability $607.19
Collision $339.48
Comprehensive $149.70
Total Cost Per Year $1,001.17
Price Per Month $83.43

QuoteWizard helps consumers compare quotes from both national companies and local independent agents. Comparing quotes can help you find cheap car insurance rates near Baltimore, Maryland and save up to 40% on your premium.

Last year, 13,171 people used QuoteWizard to compare auto insurance quotes in Baltimore, MD from top companies, and find the cheapest rates.

Top 10 Vehicles in Baltimore

These are the most common car makes and models owned by Baltimore drivers requesting quotes through QuoteWizard last year.

  1. Honda Accord EX/LX
  2. Ford F150
  3. Nissan Altima 2.5 S
  4. Hyundai Sonata GLS
  5. Toyota Camry LE/XLE/SE
  6. Ford Taurus SE
  7. Honda Civic EX
  8. Chevrolet Malibu LS
  9. Chevrolet Impala LS
  10. Acura TL
Get a quote for your vehicle. Request Quote Get a Quote For Your Vehicle

Best Car Insurance Companies in Baltimore

This is our list of the most common car insurance companies reported by QuoteWizard users living in Baltimore, MD last year.

Other popular Baltimore, Maryland car insurance companies: USAA, Safeco, MetLife, Country Financial, 21st Century, American Family, Maryland Farm Bureau, and Travelers.

Baltimore Drivers

Allstate Insurance publishes an annual report ranking the 200 most populous cities in America in terms of driver safety. Baltimore ranked 198th out of 200 cities. While most US drivers go 10 years without having an accident, drivers here are involved in crashes every 4.7 years, 113.9 percent more often than the national average.

Baltimore drivers saved up to $383 on their car insurance policies by comparing rates through our simple form.
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Driving Conditions

Several factors affecting insurance rates are the local weather and road conditions.

Weather

Sun. Rain. Snow. Baltimore’s climate has it all. Summers in Baltimore can be hot, sometimes blistering with temperatures well over 90 degrees, and very humid. Winters can be cold and average 9.5 snowy days each year. Some years see more snow, some less. It all depends on how many Nor'easters blow through the region. It can rain here, too. Precipitation averages a healthy 40.89 inches a year, more than in Seattle, making streets slick and treacherous for commuters.

Road Conditions

The condition of Baltimore roads is a sore spot for both commuters and insurance companies. According to a recent study by TRIP, a non-profit national transportation research group, 55% of the major roads are in either poor or mediocre condition. The sad of state of Baltimore's city streets and roads costs the average commuter $598 a year in extra vehicle operating costs.

Traffic Congestion

According to TomTom's annual traffic index report, Baltimore is ranked 29th for traffic congestion in the United States. To the average commuter this means spending an additional 22 minutes per hour stuck in traffic during rush hour commutes and 85 hours a year for peak hour commutes of 30 minutes.

Moving Violations

Moving violations such as drunk driving, running a red light, following too close, accidents, and speeding can give you a bad driving record and increase your insurance rates.

Traffic Tickets

The District Court of Maryland traffic website allows residents to pay traffic tickets and tells Baltimore drivers how to contest tickets.

Red Light and Speed Cameras

The City of Baltimore has equipped red light cameras at several busy intersections as well as speed cameras throughout the city. This web page has information on how to pay fines.

SR-22 DUI Insurance

A DUI conviction may require you to obtain an SR-22 form. Request a quote and we'll connect you with local agents from top companies that specialize in Baltimore DUI insurance.

Traffic Fatalities

Baltimore experienced 31 motor vehicle crash fatalities in 2013. This works out to a fatality rate of 2.41 per 100,000 residents. All traffic deaths are a tragic loss, but overall, with an estimated population of 614,664 Baltimore is a safe city in terms of traffic fatalities.

Vehicle Theft Rates

Baltimore Police Department recorded 5,569 vehicle thefts in 2016. This is a rate of 8.96 per 1,000 residents. This is more than four times the national rate of 2.20 thefts per 1,000 people.

Legal Minimum Insurance Requirements

Baltimore, Maryland has a minimum liability coverage requirement known as the 30/60/15 rule. This means each policy must include at least the following three components:

  • Individual Bodily Injury Liability (BIL): $30,000.
    The total amount your insurance carrier will pay for an individual person injured in a car accident.
  • Total Bodily Injury Liability: $60,000.
    The most your insurer will pay in total for every person injured in a car accident.
  • Property Damage Liability (PDL): $15,000.
    The maximum your insurance company will pay for property damage caused by a car accident.

Save With Car Insurance Discounts

Discounts are a great way to lower your rates. These are some of the many car insurance discounts available to drivers in Baltimore, MD depending on your carrier.

  • Active duty and retired members of the Military, National Guard, or Reserves are entitled to discounts for their service
  • Drivers 55 and older could qualify for either the senior discount or the 55 and retired discount
  • Get a new car to qualify for the new car discount. If the car has safety features like anti-lock brakes or electronic stability control, you might be entitled to additional discounts
  • Maintain at least a B grade point average in school to qualify for the good student discount
  • Safe driver. If you have a perfect driving record with no tickets or accidents you may qualify for the safe driver or accident-free discount
  • Live in a safe neighborhood with low crime and good drivers. People that live in neighborhoods with high crime and urban driving conditions file more claims. For you, that can mean higher rates no matter how clean your driving record is
  • Drive less. Living close to work or taking the bus once in a while could help you get the low mileage discount
  • Bundle your auto insurance with your homeowners or renters policy. Bundling your vehicles and policies together can save you up to 15%
  • Take a defensive driving course from an accredited driving school
  • Shop around and compare low-cost Baltimore car insurance quotes

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