Best Cheap Auto Insurance in Baltimore, MD (2021)

The average Baltimore, MD auto insurance rates are $572 per month. The minimum auto insurance in Baltimore is at least 30/60/15 in coverage to comply with Maryland auto insurance laws. To find the best cheap auto insurance in Baltimore, Maryland, compare quotes from multiple companies.

Free Auto Insurance Comparison

 Secured with SHA-256 Encryption

Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

Full Bio →

Written by

Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

Full Bio →

Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 16, 2021

Advertiser Disclosure

It’s all about you. We want to help you make the right coverage choices.

Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.

Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.

Things to Remember

  • Average auto insurance rates in Baltimore, MD for senior drivers are $4,484 per year
  • The minimum auto insurance required in Baltimore, Maryland is 30/60/15
  • The average commute length in Baltimore is 31.4 minutes

Baltimore, Maryland auto insurance requirements are 30/60/15 according to Maryland auto insurance laws. Finding cheap auto insurance in Baltimore can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Baltimore, Maryland, including driving record, credit, commute time, and more.

Compare auto insurance in Baltimore to other Maryland cities, including Baltimore auto insurance rates, Rockville auto insurance rates, and Salisbury auto insurance rates to see how Baltimore, Maryland auto insurance rates stack up.

Before you buy Baltimore, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Baltimore, Maryland auto insurance quotes.

Minimum Auto Insurance in Baltimore, Maryland

Baltimore, Maryland auto insurance laws require that you have at least the Maryland minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Baltimore, Maryland.

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Baltimore, Maryland Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Baltimore, Maryland are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

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

Cheap Baltimore, Maryland Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Baltimore, Maryland is a challenge. Take a look at the annual teen auto insurance rates in Baltimore, Maryland.

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

Cheap Baltimore, Maryland Auto Insurance for Seniors

What are senior auto insurance rates in Baltimore, Maryland? Take a look at the annual average rates for older drivers.

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

Cheap Baltimore, Maryland Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Baltimore, Maryland compared to the annual auto insurance rates with a clean record in Baltimore, Maryland.

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

Cheap Baltimore, Maryland Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Baltimore, Maryland is not easy. Compare the annual rates for DUI auto insurance in Baltimore, Maryland to find the best deal.

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

Cheap Baltimore, Maryland Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Baltimore, Maryland annual auto insurance rates by credit history compare.

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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Cheap Baltimore, Maryland Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Baltimore, Maryland can vary. Compare the annual cost of auto insurance by ZIP code in Baltimore, Maryland to see how car insurance rates are affected by location.

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

Cheap Baltimore, Maryland Auto Insurance Rates By Commute

Commute length and annual mileage affect Baltimore, Maryland auto insurance. Find the cheapest annual Baltimore, Maryland auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Baltimore, Maryland

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Baltimore, Maryland Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Baltimore, Maryland? Check out the comparison of annual Baltimore, Maryland 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

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Best By Category: Cheapest Auto Insurance in Baltimore, Maryland

Compare the cheapest auto insurance companies in Baltimore, Maryland in each category to find the company with the best rates for your personal needs.

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

The Cheapest Baltimore, Maryland Auto Insurance Companies

What auto insurance companies in Baltimore, Maryland are the cheapest? Compare the top Baltimore, Maryland auto insurance companies to find the best annual rates.

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 auto insurance rates in Baltimore, Maryland?

There are a lot of reasons why auto insurance rates in Baltimore, Maryland are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Baltimore, Maryland. Many local factors may affect your Baltimore auto insurance rates.

Baltimore Auto Theft

More theft means higher auto insurance rates because auto insurance companies are paying more in claims. According to the FBI’s annual Baltimore, Maryland auto theft statistics, there have been 4,375 auto thefts in the city.

Baltimore Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Baltimore, Maryland commute length is 31.4 minutes according to City-Data.

Baltimore Traffic

How does Baltimore, Maryland rank for traffic? According to Inrix Baltimore, Maryland is the 111th most congested worldwide.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption

Compare Baltimore, Maryland Auto Insurance Quotes

Before you buy Baltimore, Maryland auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Baltimore, Maryland auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

 Secured with SHA-256 Encryption