Updated: December 1, 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.
Rates swing dramatically between driver profiles in Baltimore. Shopping around matters for your wallet.
| 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 offers Baltimore's lowest rates at $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 offer alternatives at $1,276 and $1,375 annually for minimum coverage. Travelers provides another option at $1,144 annually for minimum coverage.
Start your search with GEICO to secure the lowest rates, then compare quotes from State Farm, Erie and Travelers to confirm you're getting the best deal for your situation.
| GEICO | $70 | $120 | -54% |
| Travelers | $95 | $166 | -37% |
| State Farm | $106 | $197 | -27% |
| Erie | $115 | $216 | -20% |
| Nationwide | $136 | $207 | -17% |
Young drivers pay Baltimore's highest insurance rates. GEICO charges young drivers $2,796 annually for minimum coverage, the highest rate among all age groups.
Adult drivers with GEICO pay just $840 per year. Senior drivers from GEICO pay $1,022 annually, a 22% increase over adult rates.
Young Baltimore drivers should compare quotes from multiple insurers to find the best available rate for their age group.
| 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 wins across Baltimore with the city's lowest premiums and solid service. You'll find reasonable complaint numbers and strong digital tools for managing your policy.
Erie Insurance takes a different approach with better customer ratings and more comprehensive coverage. Claims support and personalized service make Erie perfect for drivers who want hands-on help.
Go with GEICO for the cheapest rates or Erie for better 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 |
Rates below city average
Strong customer service
Lots of ways to customize coverage cons
Basic digital tools
Coverage varies by state
Travelers combines affordable rates with quality service as Baltimore's top car insurance provider. Its full coverage premium of $166 monthly saves drivers 47% compared to the city average. Travelers ranks second for customer experience among Baltimore insurers and lets drivers customize their coverage at competitive prices.
Top satisfaction scores
Wide range of coverage options
Local agents who know your area
Can't get quotes online
Not available everywhere
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. Baltimore's rates exceed the Maryland state average of $836 for minimum coverage by 104%.
Baltimore has some of Maryland's priciest car insurance. Comparing quotes from several companies helps you find the best deal.
| Full Coverage | $248 | $2,979 |
| Minimum Coverage | $142 | $1,705 |
Monthly rates run from $109 to $309 depending on your Baltimore ZIP code. You'll pay the most in 21223 and the least in 21240.
| 21223 | $186 | $309 |
Finding cheap Baltimore car insurance takes some work:
Figure out how much coverage you need based on your car's value and your finances. Our car insurance coverage needs calculator gives you personalized recommendations that balance protection with what you can afford.
Beyond standard types of car insurance, consider specialized options like pay-per-mile coverage if you drive infrequently. Don't own a car? A non-owner policy may be your best choice.
Look up average insurance costs in Baltimore. Knowing what others in your age group and car type pay helps you spot a good deal.
Qualify for car insurance discounts through bundling multiple policies or multi-car coverage. Safe driver and payment discounts also reduce your premium.
Check customer service ratings and claims satisfaction for each company. Read what Baltimore drivers say in reviews. Sometimes paying a bit more gets you way better service.
Get quotes from at least three companies. Try local agents, go direct to insurers and use online comparison tools. You'll find the best price by shopping around.
Set a yearly reminder to review your coverage and get new quotes. Your rates change when your credit improves, you move or you buy a different car.
Your age, driving record and credit score determine what you'll pay for Baltimore car insurance. GEICO and Travelers have the lowest average rates, but you should still compare quotes from several companies to find your best price.
Looking for cheap Baltimore car insurance? We answer common questions:
GEICO has Baltimore's cheapest rates at $840 for minimum coverage and $1,435 for full coverage. Your personal factors will change these numbers, so compare quotes from different companies.
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.
