Buy Cheap Baltimore, MD Auto Insurance (2022)

Baltimore, MD auto insurance rates average $572 a month. Minimum auto insurance requirements in Baltimore, Maryland are 30/60/15 to comply with Maryland laws. To buy cheap auto insurance in Baltimore, MD, compare Baltimore auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Baltimore, MD after a DUI are $8,063/year
  • Average auto insurance rates in Baltimore, MD are $572/month
  • The most expensive auto insurance company in Baltimore after a DUI is Liberty Mutual

Finding affordable Baltimore, Maryland auto insurance can be challenging, but everything you need to know to buy cheap Baltimore, MD auto insurance with confidence is right here. Auto insurance rates in Baltimore are affected by local factors as well as personal ones like your driving record.

See how Baltimore, MD car insurance rates compare to Rockville auto insurance rates, Salisbury auto insurance rates, and Gaithersburg auto insurance rates before you read more about the cost of auto insurance in Baltimore.

Don’t buy Baltimore, MD auto insurance until you’ve compared rates. Get free Baltimore, Maryland auto insurance quotes when you enter your ZIP code above.

Baltimore, MD Minimum Auto Insurance Requirements

The required auto insurance in Baltimore, MD is 30/60/15 according to the auto insurance laws in Maryland. The minimum auto insurance in Baltimore, Maryland is outlined here.

Minimum Required Auto Insurance Coverage in Baltimore, Maryland

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Baltimore, MD Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Baltimore, MD. Take a look at Baltimore, Maryland auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Baltimore, Maryland

Insurance Company Poor Fair Good
Allstate $9,773 $6,783 $5,981
GEICO $6,611 $5,468 $5,401
Liberty Mutual $19,297 $12,486 $8,848
Nationwide $5,888 $4,124 $3,719
Progressive $8,183 $6,151 $5,126
State Farm $9,064 $5,374 $4,142
USAA $5,211 $3,568 $2,918

Buy Cheap Baltimore, MD Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Baltimore, Maryland auto insurance rates? Find out how car insurance rates in Baltimore, MD are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Baltimore, Maryland

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $4,899 $4,663 $4,699 $4,817 $14,822 $17,441 $4,368 $4,391
GEICO $3,692 $4,046 $4,236 $4,909 $10,982 $12,339 $3,154 $3,258
Liberty Mutual $9,816 $9,816 $9,708 $9,708 $18,748 $27,627 $9,816 $13,108
Nationwide $3,115 $3,111 $2,807 $2,886 $7,418 $9,773 $3,621 $3,885
Progressive $3,855 $3,413 $3,321 $3,420 $14,019 $15,209 $4,438 $4,219
State Farm $3,805 $3,805 $3,513 $3,513 $11,413 $14,480 $4,259 $4,762
USAA $2,798 $2,744 $2,631 $2,616 $6,263 $7,357 $3,207 $3,576

Buy Cheap Baltimore, MD Auto Insurance for Teen Drivers

Auto insurance for teenagers in Baltimore can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Baltimore, MD are listed here.

Annual Auto Insurance Rates for Teen Drivers in Baltimore, Maryland

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $14,822 $17,441
GEICO $10,982 $12,339
Liberty Mutual $18,748 $27,627
Nationwide $7,418 $9,773
Progressive $14,019 $15,209
State Farm $11,413 $14,480
USAA $6,263 $7,357

Buy Cheap Baltimore, MD Auto Insurance for Seniors

You can save on senior auto insurance rates in Baltimore, Maryland by comparing Baltimore senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Baltimore, MD here.

Annual Auto Insurance Rates for Senior Drivers in Baltimore, Maryland

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $4,699 $4,817
GEICO $4,236 $4,909
Liberty Mutual $9,708 $9,708
Nationwide $2,807 $2,886
Progressive $3,321 $3,420
State Farm $3,513 $3,513
USAA $2,631 $2,616

Find Cheap Auto Insurance Rates in Baltimore, MD by Coverage Level

The amount of coverage you choose is a big factor in the cost of Baltimore, Maryland auto insurance. Compare Baltimore, MD auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Baltimore, Maryland

Insurance Company Low Medium High
Allstate $7,264 $7,442 $7,832
GEICO $5,572 $5,776 $6,133
Liberty Mutual $13,125 $13,510 $13,995
Nationwide $4,361 $4,593 $4,776
Progressive $6,114 $6,474 $6,872
State Farm $5,858 $6,213 $6,510
USAA $3,658 $3,912 $4,126

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Find Cheap Baltimore, MD Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Baltimore. Compare auto insurance rates in Baltimore, MD by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Baltimore, Maryland

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $7,404 $7,621
GEICO $5,729 $5,924
Liberty Mutual $13,190 $13,897
Nationwide $4,577 $4,577
Progressive $6,487 $6,487
State Farm $6,027 $6,361
USAA $3,775 $4,023

Find Cheap Baltimore, MD Auto Insurance Rates by ZIP Code

Auto insurance rates in Baltimore, Maryland can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Baltimore, MD to see how much where you live in Baltimore affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in Baltimore, Maryland

ZIP Code Average Annual Rates
21201 $5,940
21202 $6,217
21205 $6,695
21206 $6,256
21207 $6,575
21208 $5,777
21209 $5,541
21210 $4,999
21211 $5,071
21212 $5,394
21213 $7,200
21214 $5,727
21215 $7,366
21216 $7,513
21217 $7,140
21218 $6,472
21223 $7,025
21224 $5,181
21225 $5,099
21226 $4,820
21227 $4,840
21230 $5,000
21231 $5,798
21233 $6,010
21234 $5,072
21236 $4,720
21237 $5,293
21239 $6,382
21240 $4,353
21250 $5,173
21251 $6,479

Find Cheap Baltimore, MD Auto Insurance Rates by Driving Record

Auto insurance rates in Baltimore, Maryland are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Baltimore, MD, take a look at the average cost for various violations versus rates for a clean driving record in Baltimore.

Annual Baltimore, Maryland Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $6,625 $8,887 $6,625 $7,913
GEICO $4,124 $6,452 $7,832 $4,900
Liberty Mutual $9,681 $12,774 $19,420 $12,299
Nationwide $4,012 $5,430 $4,302 $4,565
Progressive $5,503 $7,409 $6,662 $6,373
State Farm $5,539 $6,994 $6,121 $6,121
USAA $3,056 $3,766 $5,480 $3,294

Find Cheap Baltimore, MD Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Baltimore, Maryland is higher than for a clean driving record. You can buy auto insurance after a DUI in Baltimore for less when you shop around and compare rates from multiple Baltimore, MD auto insurance companies.

Annual Auto Insurance Rates After a DUI in Baltimore, Maryland

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,625
GEICO $7,832
Liberty Mutual $19,420
Nationwide $4,302
Progressive $6,662
State Farm $6,121
USAA $5,480

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Winners by Category: Where to Buy Cheap Auto Insurance in Baltimore, MD

Compare rates from the cheapest auto insurance companies in Baltimore, MD for your needs. Take a look at how Baltimore, Maryland auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Baltimore, Maryland

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Nationwide
With 1 Speeding Violation USAA

Find Cheap Baltimore, Maryland Auto Insurance Companies

If you’re looking for the cheapest Baltimore, MD auto insurance companies overall, you can compare them here. Find the best price for Baltimore, Maryland car insurance by company.

Average Annual Auto Insurance Rates by Company in Baltimore, Maryland

Insurance Company Average Annual Rates
Allstate $7,513
GEICO $5,827
Liberty Mutual $13,543
Nationwide $4,577
Progressive $6,487
State Farm $6,194
USAA $3,899

What affects Baltimore, Maryland auto insurance rates?

Local factors affect auto insurance rates in Baltimore, MD, including traffic, theft statistics, and commute length. Take a look at the things that impact Baltimore auto insurance rates.

Auto Theft in Baltimore

When auto theft rates go up, so do auto insurance rates. The FBI’s statistics for Baltimore, MD auto theft show a total of 4,375 vehicle thefts annually.

Commute Times in Baltimore

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Baltimore, MD is 31.4 minutes according to City-Data.

Traffic in Baltimore

How is traffic in Baltimore, Maryland? Inrix data shows that Baltimore, MD traffic makes it the 111th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Baltimore, MD

You can buy cheap Baltimore, MD auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Baltimore, Maryland auto insurance quotes from top companies.

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