Car Insurance in Baltimore

Adult drivers with GEICO pay the cheapest rates in Baltimore at $840 annually for minimum coverage. Young drivers with Erie Insurance face dramatically higher costs at $2,724 per year, 69% more than adults.

Senior drivers from GEICO pay $1,022 annually, representing a 22% increase over adult rates. Drivers with a DUI from GEICO see premiums rise to $1,315 per year, 57% higher than clean-record adults.

The substantial variation across driver types means your specific profile significantly impacts what you'll pay in Baltimore's market.

GEICO dominates Baltimore's market with rates of $840 per year for minimum coverage and $1,435 per year for full coverage. That's 51% cheaper than the city average of $1,705 for minimum coverage.

State Farm and Erie Insurance provide alternative options at $1,276 and $1,375 annually for minimum coverage, though both cost significantly more than GEICO. Travelers rounds out the competitive options at $1,144 annually.

The substantial gap between GEICO and other carriers makes it the clear winner for budget-conscious Baltimore drivers seeking basic coverage.

Young drivers bear the heaviest financial burden in Baltimore's insurance market. Erie Insurance charges young drivers $2,724 annually for minimum coverage, the highest rate among all age groups.

Adult drivers find relief with GEICO at just $840 per year, making it the most affordable option for this demographic. Senior drivers from GEICO pay $1,022 annually, representing a 22% increase over adult rates but still far below what young drivers face.

GEICO consistently provides the strongest pricing for both adult and senior policyholders, while young drivers benefit most from Erie Insurance despite the higher absolute cost.

Speeding tickets produce the smallest impact in Baltimore at $739 annually with GEICO, actually coming in lower than rates for some other driver profiles. At-fault accidents result in moderate penalties at $994 per year with GEICO.

DUIs create the steepest rate increases at $1,315 annually with GEICO, a 57% increase that adds nearly $500 to your yearly premium. These numbers show that while violations generally increase costs, the impact varies by type.d

Shopping multiple insurers after any violation helps you find the best available rate for your situation.

GEICO leads Baltimore's insurance market with unbeatable affordability and solid service. The company delivers the city's lowest premiums while maintaining a reasonable complaint ratio and strong digital tools for policy management.

Erie Insurance offers a compelling alternative with outstanding customer experience ratings and comprehensive coverage options. Erie Insurance particularly excels in claims support and provides more personalized service, making it ideal for drivers who value having dedicated assistance and top-tier service quality.

Both insurers serve Baltimore well, with the choice depending on whether you prioritize absolute lowest cost or enhanced service.

Car insurance in Baltimore costs an average of $1,705 per year for minimum coverage and $2,979 per year for full coverage. These rates significantly exceed the Maryland state average of $836 for minimum coverage, reflecting Baltimore's urban driving challenges.

Baltimore drivers face some of Maryland's highest premiums, making thorough comparison shopping essential for managing insurance costs.

In Baltimore, car insurance rates by ZIP code range from $109 to $309 per month. ZIP code 21223 is the most expensive, while 21240 is the cheapest. Check the average rates for your ZIP code on the table below.

Finding affordable car insurance in Baltimore can be challenging, with local rates well above the national average. This step-by-step guide shows you how to secure better coverage at lower rates, even in a high-cost market.

Car insurance rates in Baltimore depend on your age, driving record and credit score. GEICO and Travelers offer the lowest average premiums in the city, but compare quotes from multiple providers to find your best rate.

Looking for cheap car insurance in Baltimore? These FAQs provide clear answers about finding affordable coverage that fits your budget and needs. We break down your options and help you make informed choices about auto insurance in Charm City.

To help Baltimore drivers find the most affordable auto insurance companies, MoneyGeek analyzed auto insurance rates based on data and information from the Maryland Insurance Administration and Quadrant Information Services. We studied all ZIP codes in the city and hundreds of thousands of quotes for 12 companies offering auto insurance in Maryland to tailor options as closely as possible to you.

Baltimore Driver Profile

MoneyGeek created a sample driver profile to calculate car insurance quote averages with the following characteristics:

• 40-year-old male
• 2012 Toyota Camry LE
• Clean driving record
• 12,000 miles driven annually
• Good credit
• Valid license
• Currently insured
• No claims history

We adjusted certain factors, such as age, driving record, credit score and military affiliation, to find the most suitable insurance companies for specific driver profiles.

Coverage Levels in Baltimore

MoneyGeek compared the most affordable insurance providers for minimum and full coverage auto insurance policies.

The minimum coverage requirements in Maryland are:

• $30,000 bodily injury liability per person
• $60,000 bodily injury liability per accident
• $25,000 property damage liability per accident

For a full coverage policy, we used the following coverage limits:

• $100,000 bodily injury liability per person
• $300,000 bodily injury liability per accident
• $100,000 property damage liability per accident
• Comprehensive and collision insurance, each with a $1,000 deductible

Our Best Company Rating Methodology

We rated all companies based on the following rating scale:

• Affordability (60% of score): To get this score, we evaluated quotes for various common driver profiles and compared rates to the competition within the city.
• Customer experience (30% of score): We used sources such as agency reviews on Google, J.D. Power, AM Best and forums like Reddit to gauge customer sentiment and experiences across the board.
• Coverage options (10% of score): This score considers the number of coverage options a provider offers and the uniqueness of the offering and benefits.