Compare Auto Insurance in Baltimore
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 $1,016.81 per year. The national average price is $889.01.
Prices will vary depending on your limits, coverage, zip code and the total number of claims filed.
|Total Cost Per Year||$1,016.81|
|Price Per Month||$84.73|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the change in average Maryland rates from 2011 to 2015, the most recent year the data is available. According to the III, Maryland car insurance rates increased from $956 in 2011 to $1,016 in 2015, a jump of $60 dollars, or 6.35 percent.
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 multiple companies.
Best Car Insurance Companies in Baltimore, MD
This is our list of the most common car insurance companies reported by QuoteWizard users living in Baltimore, Maryland last year.
Other popular Baltimore, Maryland car insurance companies: USAA, Safeco, MetLife, Country Financial, 21st Century, American Family, Maryland Farm Bureau, and Travelers.
Top 10 Vehicles in Baltimore
These are the most common car makes and models owned by Baltimore, MD drivers requesting quotes through QuoteWizard last year.
- Honda Accord EX/LX
- Ford F150
- Nissan Altima 2.5 S
- Hyundai Sonata GLS
- Toyota Camry LE/XLE/SE
- Ford Taurus SE
- Honda Civic EX
- Chevrolet Malibu LS
- Chevrolet Impala LS
- Acura TL
Minimum Car Insurance Requirements in Baltimore, MD
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.
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.
Several factors affecting insurance rates are the local weather and road conditions.
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.
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, 69% 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 $708 a year in extra vehicle operating costs.
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 such as drunk driving, running a red light, following too close, accidents, and speeding can give you a bad driving history. Too many tickets and you may need insurance for bad drivers. This means your insurer has changed your status to non-preferred. It also means that you'll probably be required to buy a pricey high-risk car insurance policy to maintain coverage.
The District Court of Maryland traffic website allows residents to pay traffic tickets and tells Baltimore drivers how to contest tickets.
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.
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.
Car Insurance Discounts in Baltimore
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
- 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
- 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 20%
- City of Baltimore Maryland
- Baltimore City - Maryland Courts
- Baltimore Maryland Crime Rates
- United States Census Bureau - , MD
- National Highway Traffic Safety Administration
- TRIP Urban Roads Report Appendices
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