Updated: October 30, 2025
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GEICO offers the cheapest car insurance in Baltimore. Erie Insurance, State Farm, Travelers and Nationwide also provide coverage in the city.
Car insurance in Baltimore costs an average of $1,705 per year for minimum coverage and $2,979 per year for full coverage.
GEICO also offers the cheapest car insurance in Maryland at $611 per year for minimum coverage and $1,062 per year for full coverage.
Adult drivers with GEICO pay Baltimore's cheapest rates at $840 annually for minimum coverage. Young drivers with GEICO pay $2,796 per year, 233% more than clean-record adults with GEICO.
Senior drivers from GEICO pay $1,022 annually, 22% more than adults. Drivers with a DUI from GEICO pay $1,030 per year, 23% more than clean-record adults.
The substantial rate differences across profiles make comparing quotes essential for your specific situation.
| Drivers With Old Cars | GEICO | $63 |
| Adult Drivers | GEICO | $70 |
| Drivers With Newer Cars | GEICO | $75 |
| Drivers With a Speeding Ticket | GEICO | $82 |
| Senior Drivers | GEICO | $85 |
| Drivers With a DUI | GEICO | $86 |
| Drivers With an Accident | GEICO | $110 |
| Drivers With Bad Credit | GEICO | $128 |
| Young Drivers | GEICO | $233 |
GEICO dominates Baltimore 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 alternatives at $1,276 and $1,375 annually for minimum coverage. Travelers rounds out competitive options at $1,144 annually, though all cost significantly more than GEICO.
The massive savings available through GEICO make it the obvious starting point for Baltimore drivers seeking affordable coverage.
| GEICO | $70 | $120 | -54% |
| Travelers | $95 | $166 | -37% |
| State Farm | $106 | $197 | -27% |
| Erie | $115 | $216 | -20% |
| Nationwide | $136 | $207 | -17% |
Young drivers bear the heaviest financial burden in Baltimore's insurance market. GEICO charges young drivers $2,796 annually for minimum coverage, the highest rate among all age groups.
Adult drivers find relief with GEICO at just $840 per year. Senior drivers from GEICO pay $1,022 annually, representing a 22% increase over adult rates but still far below what young drivers face.
The stark age-based pricing differences highlight why young Baltimore drivers need aggressive quote comparison.
| Geico | $70 | $840 |
| Travelers | $95 | $1,144 |
| State Farm | $106 | $1,276 |
| Erie Insurance | $115 | $1,375 |
| Cumberland Mutual | $136 | $1,630 |
Speeding tickets produce moderate impacts at $979 annually with GEICO. At-fault accidents result in substantial penalties at $1,315 per year with GEICO.
DUIs create similar rate increases at $1,030 annually with GEICO, a 23% increase.
Shopping multiple insurers after any violation helps you find the best available rate.
Baltimore's high baseline rates mean even small infractions add hundreds to your annual premium.
| Geico | $110 | $1,315 |
| State Farm | $129 | $1,550 |
| Travelers | $140 | $1,684 |
| Cumberland Mutual | $158 | $1,896 |
| Erie Insurance | $169 | $2,026 |
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.
| 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 |
Lower than average rates
Strong customer service ratings
Multiple coverage customization options
Limited digital tools
Coverage options vary by state
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.
Top-rated customer satisfaction
Extensive coverage options
Local agent support
No online quotes
Limited availability nationwide
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.
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.
| Full Coverage | $248 | $2,979 |
| Minimum Coverage | $142 | $1,705 |
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.
| 21223 | $186 | $309 |
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
Car insurance in Baltimore is costlier than average, ranking 433rd for minimum coverage affordability and 422nd for full coverage compared to other Maryland cities.
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:
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:
For a full coverage policy, we used the following coverage limits:
Our Best Company Rating Methodology
We rated all companies based on the following rating scale:
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!
He writes about economics and insurance, breaking down complex topics so people know what they're buying.
