GEICO offers Baltimore's cheapest car insurance, with average annual rates of $840 for minimum coverage and $1,435 for full coverage. Travelers, State Farm and Erie also provide affordable coverage in the city.
Car Insurance in Baltimore
Updated: August 13, 2025
Advertising & Editorial Disclosure
Key Takeaways
Baltimore's cheapest car insurance companies are GEICO, Travelers and State Farm, with savings up to 54% compared to the city average.
Monthly car insurance costs in Baltimore average $248 for full coverage and $142 for minimum coverage.
To get the best cheap auto insurance in Baltimore, decide on coverage beforehand and compare quotes from multiple sources.
Who Has the Cheapest Car Insurance in Baltimore?
| GEICO | $70 | $120 | -54% |
| Travelers | $95 | $166 | -37% |
| State Farm | $106 | $197 | -27% |
| Erie | $115 | $216 | -20% |
| Nationwide | $136 | $207 | -17% |
Cheapest Baltimore Car Insurance by Category
GEICO offers the most affordable car insurance for all nine driver categories in Baltimore. The company leads pricing for everyone from young drivers to seniors, and from those with clean records to drivers with accidents or DUIs.
| Young Drivers | GEICO | $233 |
| Adult Drivers | GEICO | $70 |
| Senior Drivers | GEICO | $85 |
| Drivers With an Accident | GEICO | $110 |
| Drivers With a DUI | GEICO | $86 |
| Drivers With a Speeding Ticket | GEICO | $82 |
| Drivers With Bad Credit | GEICO | $128 |
| Drivers With Newer Cars | GEICO | $75 |
| Drivers With Old Cars | GEICO | $63 |
Compare the Cheapest Baltimore Car Insurance for You
Car insurance rates change dramatically based on your age, driving record and other personal factors. Find the cheapest insurance companies for your specific driver profile in the table below.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| GEICO | $70 | $840 | -49% |
| Travelers | $95 | $1,144 | -31% |
| State Farm | $106 | $1,276 | -23% |
| Nationwide | $136 | $1,630 | -2% |
| Farmers | $136 | $1,636 | -1% |
Best Car Insurance Companies in Baltimore
Baltimore's top car insurance companies are Travelers, Erie, GEICO and State Farm. These providers stand out for offering competitive rates, reliable customer service and comprehensive coverage options.
| Travelers | 93 | 2 | 2 | 5 |
| Erie | 92 | 4 | 1 | 3 |
| GEICO | 89 | 1 | 5 | 6 |
| State Farm | 85 | 3 | 4 | 6 |
| Nationwide | 83 | 5 | 6 | 5 |
Travelers: Best Value Overall
pros
Lower than average rates
Strong customer service ratings
Multiple coverage customization options
cons
Limited digital tools
Coverage options vary by state
COMPANY HIGHLIGHTS
Travelers ranks as Baltimore's top car insurance provider by combining affordable rates with quality service. Its full coverage premium of $166 monthly runs 47% below the city average. Travelers earned high marks for customer experience, ranking second among Baltimore insurers. The company stands out for letting drivers customize their coverage while keeping costs low.
Erie: Best Customer Service
pros
Top-rated customer satisfaction
Extensive coverage options
Local agent support
cons
No online quotes
Limited availability nationwide
COMPANY HIGHLIGHTS
Erie takes second place in Baltimore with outstanding customer service and comprehensive coverage options. Their monthly full coverage rate of $216 saves drivers 33% compared to city averages. Erie ranks first in customer experience among Baltimore insurers. The company excels in personalized service through local agents and offers robust coverage customization.
How Much Is Car Insurance in Baltimore?
In Baltimore, minimum coverage costs about $142 per month or $1,705 per year, ranking 433rd out of all Maryland cities for affordability. Full coverage averages $248 monthly or $2,979 annually, ranking 422nd among Maryland cities.
| Full Coverage | $248 | $2,979 |
| Minimum Coverage | $142 | $1,705 |
Baltimore Car Insurance Cost by Category
In Baltimore, monthly car insurance costs range from $142 to $661 based on driver category. Check the table below to see rates for your profile.
| Young Drivers | $363 | $661 |
| Adult Drivers | $142 | $248 |
| Senior Drivers | $152 | $259 |
| Drivers With an Accident | $208 | $374 |
| Drivers With a DUI | $280 | $526 |
| Drivers With a Speeding Ticket | $175 | $311 |
| Drivers With Bad Credit | $218 | $440 |
| Drivers With Newer Cars | $172 | $303 |
| Drivers With Old Cars | $142 | $248 |
Baltimore Car Insurance Costs by ZIP Code
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.
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ZIP Code:21223
| 21223 | $186 | $309 |
Compare Personalized Baltimore Car Insurance Costs
While basic rate breakdowns help compare costs, the table below shows Baltimore car insurance rates based on your specific combination of age, driving record and other personal factors.
Data filtered by:Results filtered by:
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Age Group:Adult Drivers
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Gender:Male
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Coverage Level:State Minimum Liability Only
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Credit:Good
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Driving Record:Clean
| $152 | $1,822 | 71% |
How to Get the Best Cheap Baltimore Car Insurance
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.
- 1
Calculate your coverage requirements
Start by determining exactly how much coverage you need based on your vehicle's value and your financial situation. Use our car insurance coverage needs calculator to get a personalized recommendation that balances protection and affordability.
- 2
Explore alternative insurance options
Beyond standard types of car insurance, consider specialized options that could save you money. If you drive infrequently, look into pay-per-mile coverage. Don't own a car? A non-owner policy might be your best choice.
- 3
Know what others are paying
Research average vehicle insurance costs in Baltimore to set realistic expectations. Understanding typical rates for your age group and vehicle type helps you recognize when you've found a good deal.
- 4
Maximize available discounts
Take advantage of every car insurance discount you qualify for. Consider bundling multiple policies or getting multi-car discounts if you have multiple vehicles. Safe driver and payment discounts can also reduce your premium.
- 5
Research insurance company ratings
Look beyond price to examine each insurer's customer service ratings and claims satisfaction scores. Check reviews from Baltimore drivers to understand how well companies serve local customers. A slightly higher premium might be worth it for better service.
- 6
Get quotes from multiple insurers
Contact at least three different insurance companies for quotes. Use a mix of local agents, direct insurers and online comparison tools. Comparing multiple quotes helps you find the best deal.
- 7
Review your policy annually
Set a yearly reminder to review your coverage and shop for new quotes. Life changes like improving credit scores, moving, or buying a new car can affect your rates.
Cheapest Car Insurance in Baltimore: Bottom Line
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.
Cheap Baltimore Car Insurance: FAQ
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.
What is the cheapest car insurance company in Baltimore, Maryland?
GEICO offers Baltimore's lowest car insurance rates at $840 for minimum coverage and $1,435 for full coverage. Personal factors affect rates, so compare multiple quotes.
Who offers the best car insurance in Baltimore?
Travelers leads Baltimore's car insurance providers with a MoneyGeek score of 93 out of 100, scoring one point above Erie. Travelers excels in both affordability and quality service.
What is the average cost of car insurance in Baltimore?
Baltimore drivers pay $2,979 for full coverage and $1,705 for minimum coverage car insurance annually. Actual rates vary based on individual factors like driving history and coverage choices.
Is car insurance in Baltimore expensive?
Car insurance in Baltimore is costlier than average, ranking 433rd for minimum coverage affordability and 422nd for full coverage compared to other Maryland cities.
How We Chose the Best and Cheapest Car Insurance in Baltimore, MD
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.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.
sources
- Progressive. "Progressive Insurance Reviews." Accessed August 13, 2025.