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The cheapest provider for you depends on your coverage level preferences and driving record. In Baltimore, Progressive is the most affordable choice for drivers seeking minimum and full coverage car insurance. It's also the least expensive for drivers with traffic infractions, teens on family policies, military drivers, young adults, seniors and those with poor credit scores. Travelers is the cheapest company for sports car drivers.

If you're looking for an insurer that balances affordability and quality of service, MoneyGeek found the best car insurance providers in Baltimore.

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2023

Cheapest Car Insurance in Baltimore, MD

Cheapest Minimum Coverage Car Insurance in Baltimore

The most affordable auto insurance providers for minimum coverage in Baltimore are:

  • Progressive: $579 per year
  • Travelers: $857 per year

Nationwide has the most expensive minimum coverage policies, with an annual cost of $1,316. Progressive also is the cheapest provider in Maryland, with a yearly cost of $669. A minimum coverage policy costs slightly less in Baltimore than in other parts of the state, highlighting your location's significant impact on insurance rates.

Company
Annual Premium
Monthly Premium

Progressive

$579

$48

Progressive

$618

$51

Progressive

$664

$55

Kemper

$848

$71

Travelers

$857

$71

Kemper

$904

$75

Progressive

$915

$76

Erie

$928

$77

GEICO

$932

$78

Erie

$945

$79

Travelers

$952

$79

Progressive

$976

$81

GEICO

$978

$82

Allstate

$1,083

$90

Allstate

$1,086

$91

Progressive

$1,093

$91

Kemper

$1,117

$93

Travelers

$1,128

$94

Erie

$1,199

$100

GEICO

$1,201

$100

State Farm

$1,257

$105

Allstate

$1,291

$108

Nationwide

$1,316

$110

State Farm

$1,322

$110

State Farm

$1,499

$125

Travelers

$1,508

$126

Nationwide

$1,516

$126

Kemper

$1,538

$128

GEICO

$1,577

$131

Nationwide

$1,595

$133

GEICO

$1,630

$136

Erie

$1,677

$140

Erie

$1,708

$142

Travelers

$1,724

$144

Allstate

$1,768

$147

Allstate

$1,836

$153

Kemper

$1,837

$153

Travelers

$1,925

$160

Nationwide

$1,935

$161

Kemper

$1,955

$163

Allstate

$2,031

$169

GEICO

$2,047

$171

State Farm

$2,087

$174

Nationwide

$2,151

$179

State Farm

$2,169

$181

Erie

$2,182

$182

Nationwide

$2,328

$194

State Farm

$2,600

$217

Insurance Rates

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Maryland law mandates that minimum coverage auto insurance includes protection for bodily injury liability, property damage liability and uninsured motorist coverage. The coverage must meet at least the following:

  • $30,000 bodily injury liability per person
  • $60,000 bodily injury liability per accident
  • $15,000 property damage liability per accident
  • $30,000 uninsured/underinsured motorist coverage per person
  • $60,000 uninsured/underinsured motorist coverage per accident
  • $15,000 uninsured/underinsured property damage coverage per accident

If you cause an accident and have a minimum coverage policy, your carrier will cover up to $30,000 in medical expenses for each person involved, with a maximum limit of $60,000 for the entire incident and $15,000 in property damage. You'll have to pay for any remaining damages beyond these limits, including your vehicle repair costs.

Cheapest Full Coverage Car Insurance in Baltimore

The following companies offer the cheapest full coverage auto insurance in Baltimore:

  • Progressive: $915 per year
  • Travelers: $1,508 per year

State Farm charges the highest average rate for full coverage car insurance in Baltimore at $2,087 per year. As of October 2022, Nationwide is the most affordable full coverage provider in Maryland, with an average yearly cost of $1,088, which is lower than the $915 policy offered by Progressive, the most affordable option in Baltimore.

Company
Annual Premium
Monthly Premium

Progressive

$579

$48

Progressive

$618

$51

Progressive

$664

$55

Kemper

$848

$71

Travelers

$857

$71

Kemper

$904

$75

Progressive

$915

$76

Erie

$928

$77

GEICO

$932

$78

Erie

$945

$79

Travelers

$952

$79

Progressive

$976

$81

GEICO

$978

$82

Allstate

$1,083

$90

Allstate

$1,086

$91

Progressive

$1,093

$91

Kemper

$1,117

$93

Travelers

$1,128

$94

Erie

$1,199

$100

GEICO

$1,201

$100

State Farm

$1,257

$105

Allstate

$1,291

$108

Nationwide

$1,316

$110

State Farm

$1,322

$110

State Farm

$1,499

$125

Travelers

$1,508

$126

Nationwide

$1,516

$126

Kemper

$1,538

$128

GEICO

$1,577

$131

Nationwide

$1,595

$133

GEICO

$1,630

$136

Erie

$1,677

$140

Erie

$1,708

$142

Travelers

$1,724

$144

Allstate

$1,768

$147

Allstate

$1,836

$153

Kemper

$1,837

$153

Travelers

$1,925

$160

Nationwide

$1,935

$161

Kemper

$1,955

$163

Allstate

$2,031

$169

GEICO

$2,047

$171

State Farm

$2,087

$174

Nationwide

$2,151

$179

State Farm

$2,169

$181

Erie

$2,182

$182

Nationwide

$2,328

$194

State Farm

$2,600

$217

Unlike liability-only and minimum coverage policies, full coverage policies provide broader financial protection by including comprehensive and collision insurance.

  • Comprehensive insurance: Covers damage to your car from non-collision events, such as vandalism, theft, fire, flood and hail.
  • Collision insurance: Protects you from the costs of damages resulting from collisions, such as accidents involving other cars, trees and other objects, such as fences and light poles. Collision also covers rollover accidents and pothole damage.

Full coverage for older vehicles may not be the best option, as you may be paying hundreds of dollars more per year for a car with low value. Carefully consider whether the additional coverage is worth the cost.

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Cheapest Car Insurance in Baltimore After a Driving Offense

Drivers with traffic offenses on their record can get the most affordable auto insurance rates from Progressive. Rates may vary depending on the violation, as follows:

  • Speeding ticket: Progressive ($1,102 per year)
  • At-fault accident: Progressive ($1,384 per year)
  • DUI: Progressive ($1,197 per year)

Drivers with less-than-perfect driving records will always face higher insurance rates than those with clean ones. Nationwide is the most expensive insurer for drivers with a speeding ticket, charging $2,476 per year, an at-fault accident or DUI, at $3,074 and $3,775 per year, respectively.

Company
Annual Premium
Monthly Premium

Progressive

$670

$56

Progressive

$691

$58

Progressive

$750

$62

Progressive

$761

$63

Progressive

$772

$64

Progressive

$782

$65

Progressive

$830

$69

Progressive

$936

$78

Progressive

$938

$78

Erie

$1,047

$87

Erie

$1,047

$87

Erie

$1,067

$89

Erie

$1,067

$89

GEICO

$1,088

$91

Progressive

$1,102

$92

Allstate

$1,112

$93

Allstate

$1,115

$93

GEICO

$1,142

$95

Travelers

$1,172

$98

Progressive

$1,197

$100

GEICO

$1,206

$101

Travelers

$1,214

$101

Allstate

$1,223

$102

Allstate

$1,224

$102

Kemper

$1,228

$102

Progressive

$1,234

$103

Travelers

$1,235

$103

GEICO

$1,266

$105

Travelers

$1,280

$107

Progressive

$1,290

$108

Erie

$1,313

$109

Kemper

$1,321

$110

Allstate

$1,331

$111

Progressive

$1,337

$111

Erie

$1,346

$112

Erie

$1,360

$113

Erie

$1,360

$113

Progressive

$1,384

$115

Progressive

$1,386

$115

State Farm

$1,393

$116

State Farm

$1,393

$116

Travelers

$1,400

$117

GEICO

$1,402

$117

Travelers

$1,452

$121

GEICO

$1,456

$121

State Farm

$1,465

$122

State Farm

$1,465

$122

Allstate

$1,484

$124

Allstate

$1,529

$127

Allstate

$1,534

$128

Progressive

$1,558

$130

GEICO

$1,562

$130

State Farm

$1,596

$133

Progressive

$1,605

$134

GEICO

$1,636

$136

Kemper

$1,642

$137

State Farm

$1,662

$139

State Farm

$1,662

$139

State Farm

$1,679

$140

Nationwide

$1,697

$141

Travelers

$1,701

$142

Erie

$1,721

$143

GEICO

$1,745

$145

Travelers

$1,804

$150

Allstate

$1,825

$152

GEICO

$1,839

$153

Allstate

$1,897

$158

Kemper

$1,897

$158

GEICO

$1,901

$158

State Farm

$1,906

$159

Erie

$1,911

$159

Erie

$1,911

$159

Allstate

$1,911

$159

Nationwide

$1,921

$160

Erie

$1,946

$162

Erie

$1,946

$162

GEICO

$2,039

$170

Allstate

$2,056

$171

Travelers

$2,057

$171

Kemper

$2,078

$173

Allstate

$2,102

$175

GEICO

$2,108

$176

Travelers

$2,112

$176

Allstate

$2,147

$179

Kemper

$2,192

$183

Travelers

$2,206

$184

Nationwide

$2,229

$186

Travelers

$2,255

$188

State Farm

$2,299

$192

State Farm

$2,299

$192

Travelers

$2,356

$196

Erie

$2,374

$198

Nationwide

$2,375

$198

GEICO

$2,388

$199

State Farm

$2,393

$199

State Farm

$2,393

$199

Allstate

$2,394

$200

Erie

$2,436

$203

GEICO

$2,451

$204

Kemper

$2,466

$206

Nationwide

$2,476

$206

Travelers

$2,478

$207

Erie

$2,500

$208

Erie

$2,500

$208

Kemper

$2,572

$214

Allstate

$2,589

$216

GEICO

$2,590

$216

State Farm

$2,617

$218

Kemper

$2,626

$219

Kemper

$2,628

$219

Travelers

$2,645

$220

Nationwide

$2,676

$223

Allstate

$2,706

$226

Nationwide

$2,717

$226

State Farm

$2,729

$227

Nationwide

$2,779

$232

GEICO

$2,788

$232

Kemper

$2,827

$236

State Farm

$2,868

$239

State Farm

$2,868

$239

Nationwide

$2,935

$245

Travelers

$2,951

$246

GEICO

$2,967

$247

Nationwide

$3,074

$256

Allstate

$3,081

$257

Travelers

$3,100

$258

Erie

$3,132

$261

Kemper

$3,178

$265

Nationwide

$3,227

$269

Nationwide

$3,235

$270

Kemper

$3,241

$270

State Farm

$3,269

$272

Nationwide

$3,339

$278

Nationwide

$3,365

$280

Travelers

$3,507

$292

Nationwide

$3,775

$315

Kemper

$3,907

$326

Nationwide

$3,988

$332

Nationwide

$4,068

$339

Kemper

$4,239

$353

Kemper

$4,352

$363

Nationwide

$4,775

$398

Kemper

$5,067

$422

Kemper

$5,249

$437

While it's not always the case, insurance premiums increase with the driving offense's severity. In Baltimore, a speeding ticket will cost you an extra $373 annually, while a DUI will set you back an additional $860 per year. Nevertheless, buying affordable insurance rates with a poor driving record is still possible.

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MONEYGEEK EXPERT TIP

In Maryland, you can be found guilty of driving while intoxicated (DWI) or driving under the influence (DUI) of alcohol. Both are serious offenses, but DUI is the worse of the two. A DWI occurs when a driver has a blood alcohol concentration (BAC) of 0.07% or higher. For a DUI, the BAC is 0.08% or higher.

The penalties associated with a first-time DWI include up to 60 days in jail, up to $500 in fines, eight driver's license points and a maximum license suspension of six months.

A first-time DUI may carry the following penalties:

  • Up to 1 year in jail
  • Up to $1,000 in fines
  • Driver's license revocation of up to six months
  • 12 driver's license points
  • Alcohol abuse assessment and program participation

A previous DWI or DUI conviction can increase the above penalties substantially.

Cheapest Car Insurance in Baltimore for Teens and Their Families

For 16-year-old teens on a family policy, the cheapest insurers in Baltimore are:

  • Progressive: $2,140 per year for female teens; $2,346 per year for male teens
  • GEICO: $2,534 for female teens per year
  • Allstate: $3,627 per year for male teens

State Farm charges the highest annual premium for teens at $5,093 for girls and $6,210 for boys.

Rates for male teens are typically higher than those for female teens, as providers consider boys riskier drivers. For example, the cost for male teens with Progressive is $206 higher than for female teens. The price difference is common for teenagers but tends to lessen as they enter early adulthood.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$1,169

$2,955

Progressive

$1,386

$1,605

Progressive

$1,420

$1,654

Travelers

$1,450

$2,971

GEICO

$1,456

$3,678

GEICO

$1,473

$4,526

GEICO

$1,475

$3,726

Kemper

$1,502

$3,987

Kemper

$1,516

$3,988

Progressive

$1,531

$2,504

Travelers

$1,575

$3,095

GEICO

$1,595

$4,526

Progressive

$1,606

$1,870

Travelers

$1,632

$3,345

Progressive

$1,636

$3,933

Travelers

$1,641

$3,690

Progressive

$1,648

$1,909

Progressive

$1,649

$2,699

Progressive

$1,666

$2,977

Progressive

$1,667

$2,710

Travelers

$1,684

$3,451

Progressive

$1,690

$2,325

GEICO

$1,724

$3,518

Progressive

$1,728

$2,387

Progressive

$1,738

$2,024

Travelers

$1,796

$3,528

Travelers

$1,812

$4,040

Progressive

$1,816

$2,103

Progressive

$1,822

$4,393

Travelers

$1,867

$4,240

Progressive

$1,880

$3,374

Progressive

$1,897

$3,084

Kemper

$1,926

$6,946

Progressive

$1,935

$4,652

Travelers

$1,938

$3,807

Kemper

$2,005

$6,170

GEICO

$2,007

$9,370

GEICO

$2,024

$4,130

Nationwide

$2,035

$3,935

Kemper

$2,044

$6,627

Nationwide

$2,054

$4,260

Kemper

$2,055

$7,884

Kemper

$2,066

$5,485

Kemper

$2,076

$5,462

Kemper

$2,085

$5,487

Kemper

$2,111

$5,606

Allstate

$2,116

$2,541

Progressive

$2,123

$5,117

Travelers

$2,137

$4,754

Progressive

$2,140

$6,847

Nationwide

$2,140

$5,455

GEICO

$2,214

$5,846

GEICO

$2,220

$8,036

Travelers

$2,225

$5,864

Allstate

$2,232

$3,397

Travelers

$2,234

$4,982

GEICO

$2,235

$6,343

GEICO

$2,243

$4,576

Kemper

$2,252

$9,217

Kemper

$2,276

$8,208

Allstate

$2,291

$7,277

Allstate

$2,299

$2,524

Nationwide

$2,304

$4,454

Nationwide

$2,305

$6,353

Allstate

$2,316

$2,781

Progressive

$2,346

$7,458

Nationwide

$2,355

$5,066

Allstate

$2,371

$3,203

Allstate

$2,387

$2,866

Kemper

$2,429

$10,419

GEICO

$2,441

$11,397

Nationwide

$2,460

$4,756

Nationwide

$2,463

$5,107

Nationwide

$2,496

$5,870

Travelers

$2,497

$7,437

Allstate

$2,506

$3,814

Kemper

$2,515

$9,646

GEICO

$2,534

$14,725

Allstate

$2,539

$3,739

Kemper

$2,565

$10,599

Allstate

$2,613

$4,719

Kemper

$2,618

$10,980

State Farm

$2,628

$4,358

Allstate

$2,633

$2,890

Nationwide

$2,635

$5,463

Travelers

$2,694

$7,222

Travelers

$2,698

$6,002

Kemper

$2,723

$11,773

Kemper

$2,732

$11,866

Kemper

$2,743

$11,503

GEICO

$2,745

$6,332

Allstate

$2,749

$3,451

Kemper

$2,758

$11,397

State Farm

$2,853

$4,731

Allstate

$2,900

$9,288

Allstate

$2,918

$3,203

State Farm

$2,982

$4,849

State Farm

$3,010

$5,731

Allstate

$3,033

$10,813

Nationwide

$3,047

$9,486

Allstate

$3,069

$5,225

State Farm

$3,104

$5,147

Allstate

$3,118

$4,591

Travelers

$3,128

$9,332

State Farm

$3,144

$6,219

Nationwide

$3,219

$11,299

Nationwide

$3,219

$11,299

Nationwide

$3,279

$8,357

GEICO

$3,284

$11,511

State Farm

$3,290

$5,350

Nationwide

$3,294

$12,091

Allstate

$3,404

$10,813

Travelers

$3,414

$12,679

Travelers

$3,487

$10,384

State Farm

$3,489

$6,622

Nationwide

$3,520

$12,382

GEICO

$3,575

$10,121

GEICO

$3,591

$8,283

State Farm

$3,602

$7,124

State Farm

$3,611

$5,872

State Farm

$3,615

$8,104

Allstate

$3,627

$12,785

Nationwide

$3,744

$14,577

Nationwide

$3,744

$14,577

Nationwide

$3,761

$10,365

Nationwide

$3,833

$15,612

State Farm

$3,861

$7,421

GEICO

$3,910

$13,709

Allstate

$3,991

$12,785

GEICO

$4,082

$17,710

Travelers

$4,373

$16,546

State Farm

$4,425

$9,321

Travelers

$4,445

$13,263

State Farm

$4,482

$8,616

State Farm

$4,502

$9,927

State Farm

$5,052

$10,642

State Farm

$5,093

$12,222

State Farm

$5,375

$11,465

State Farm

$6,168

$13,158

State Farm

$6,210

$15,117

Baltimore families can save approximately $3,333 per year by adding their teen drivers to their existing policy instead of purchasing a separate individual one. Plus, in most cases, a teen under 18 must have a parent or guardian as a co-signer to get car insurance legally. Comparing insurance options is the most effective way to secure the most affordable rates for teen drivers.

Cheapest Car Insurance in Baltimore for Military Drivers

The cheapest car insurance providers for those with military backgrounds looking for full coverage in Baltimore are:

  • Progressive: $915 per year
  • USAA: $962 per year

USAA is the most affordable for minimum coverage at $514 annually, while Progressive follows closely, with an annual rate of $579. USAA offers tailored services to active-duty military members, veterans and their immediate family members, making it their best insurer.

Company
Annual Premium
Monthly Premium

USAA

$514

$43

USAA

$541

$45

Progressive

$579

$48

USAA

$599

$50

Progressive

$618

$51

Progressive

$664

$55

Kemper

$848

$71

Travelers

$857

$71

Kemper

$904

$75

Progressive

$915

$76

Erie

$928

$77

GEICO

$932

$78

Erie

$945

$79

Travelers

$952

$79

USAA

$962

$80

Progressive

$976

$81

GEICO

$978

$82

USAA

$984

$82

Allstate

$1,083

$90

Allstate

$1,086

$91

Progressive

$1,093

$91

Kemper

$1,117

$93

Travelers

$1,128

$94

USAA

$1,137

$95

Erie

$1,199

$100

GEICO

$1,201

$100

State Farm

$1,257

$105

Allstate

$1,291

$108

Nationwide

$1,316

$110

State Farm

$1,322

$110

State Farm

$1,499

$125

Travelers

$1,508

$126

Nationwide

$1,516

$126

Kemper

$1,538

$128

GEICO

$1,577

$131

Nationwide

$1,595

$133

GEICO

$1,630

$136

Erie

$1,677

$140

Erie

$1,708

$142

Travelers

$1,724

$144

Allstate

$1,768

$147

Allstate

$1,836

$153

Kemper

$1,837

$153

Travelers

$1,925

$160

Nationwide

$1,935

$161

Kemper

$1,955

$163

Allstate

$2,031

$169

GEICO

$2,047

$171

State Farm

$2,087

$174

Nationwide

$2,151

$179

State Farm

$2,169

$181

Erie

$2,182

$182

Nationwide

$2,328

$194

State Farm

$2,600

$217

How to Compare Cheap Baltimore Car Insurance Quotes Online

To find affordable car insurance in Baltimore, comparing online quotes from multiple providers is the most effective approach. However, this process can be tedious, often taking upwards of 15 minutes and requiring the entry of a considerable amount of personal information into each website.

MoneyGeek's car insurance calculator makes weighing out your options easier and faster. By leveraging our data, it provides you with average rates based on just your age, vehicle type, driving record and desired coverage level.

Auto Insurance Calculator

See how the Average Annual Auto Insurance Rates vary with the options chosen.

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Cheapest Car Insurance in Baltimore for Young Adults

The following providers offer the cheapest car insurance premiums for young adults in Baltimore:

  • Progressive: $1,093 per year
  • Travelers: $1,724 per year

State Farm is the most expensive company for young adults, charging an average of $2,600 per year. In Baltimore, young adults typically pay higher auto insurance premiums than middle-aged drivers. On average, 40-year-old drivers in this city pay $1,625 per year, which is $331 less than the average premium of $1,956 spent by 25-year-olds.

Company
Annual Premium
Monthly Premium

Progressive

$579

$48

Progressive

$618

$51

Progressive

$664

$55

Kemper

$848

$71

Travelers

$857

$71

Kemper

$904

$75

Progressive

$915

$76

Erie

$928

$77

GEICO

$932

$78

Erie

$945

$79

Travelers

$952

$79

Progressive

$976

$81

GEICO

$978

$82

Allstate

$1,083

$90

Allstate

$1,086

$91

Progressive

$1,093

$91

Kemper

$1,117

$93

Travelers

$1,128

$94

Erie

$1,199

$100

GEICO

$1,201

$100

State Farm

$1,257

$105

Allstate

$1,291

$108

Nationwide

$1,316

$110

State Farm

$1,322

$110

State Farm

$1,499

$125

Travelers

$1,508

$126

Nationwide

$1,516

$126

Kemper

$1,538

$128

GEICO

$1,577

$131

Nationwide

$1,595

$133

GEICO

$1,630

$136

Erie

$1,677

$140

Erie

$1,708

$142

Travelers

$1,724

$144

Allstate

$1,768

$147

Allstate

$1,836

$153

Kemper

$1,837

$153

Travelers

$1,925

$160

Nationwide

$1,935

$161

Kemper

$1,955

$163

Allstate

$2,031

$169

GEICO

$2,047

$171

State Farm

$2,087

$174

Nationwide

$2,151

$179

State Farm

$2,169

$181

Erie

$2,182

$182

Nationwide

$2,328

$194

State Farm

$2,600

$217

Cheapest Car Insurance in Baltimore for Seniors

The cheapest car insurance companies for seniors in Baltimore seeking full coverage are:

  • Progressive: $976 per year
  • GEICO: $1,630 per year

For seniors aged 65 and over in Baltimore, State Farm is the most expensive car insurance company, with an annual premium of $2,169. Insurers often charge higher premiums for seniors because they're considered at a higher risk of at-fault accidents due to potential medical conditions and slower reaction times. At an average yearly rate of $1,818, seniors in Baltimore pay $193 more than middle-aged drivers.

Company
Annual Premium
Monthly Premium

Progressive

$579

$48

Progressive

$618

$51

Progressive

$664

$55

Kemper

$848

$71

Travelers

$857

$71

Kemper

$904

$75

Progressive

$915

$76

Erie

$928

$77

GEICO

$932

$78

Erie

$945

$79

Travelers

$952

$79

Progressive

$976

$81

GEICO

$978

$82

Allstate

$1,083

$90

Allstate

$1,086

$91

Progressive

$1,093

$91

Kemper

$1,117

$93

Travelers

$1,128

$94

Erie

$1,199

$100

GEICO

$1,201

$100

State Farm

$1,257

$105

Allstate

$1,291

$108

Nationwide

$1,316

$110

State Farm

$1,322

$110

State Farm

$1,499

$125

Travelers

$1,508

$126

Nationwide

$1,516

$126

Kemper

$1,538

$128

GEICO

$1,577

$131

Nationwide

$1,595

$133

GEICO

$1,630

$136

Erie

$1,677

$140

Erie

$1,708

$142

Travelers

$1,724

$144

Allstate

$1,768

$147

Allstate

$1,836

$153

Kemper

$1,837

$153

Travelers

$1,925

$160

Nationwide

$1,935

$161

Kemper

$1,955

$163

Allstate

$2,031

$169

GEICO

$2,047

$171

State Farm

$2,087

$174

Nationwide

$2,151

$179

State Farm

$2,169

$181

Erie

$2,182

$182

Nationwide

$2,328

$194

State Farm

$2,600

$217

Cheapest Car Insurance in Baltimore for Poor Credit

The cheapest full coverage car insurance policies for drivers with poor credit in Baltimore are offered by:

  • Progressive: $1,262 per year
  • Allstate: $2,363 per year

State Farm is the most expensive insurer for those with bad credit, charging $4,511 annually. Baltimore drivers with bad credit pay around 73% more than those with good credit — approximately $1,625 annually. While your policy will be more expensive, you can still find cheap car insurance with a poor credit history.

Company
Annual Premium
Monthly Premium

Progressive

$734

$61

Progressive

$787

$66

Progressive

$856

$71

Progressive

$1,262

$105

Progressive

$1,348

$112

Kemper

$1,357

$113

Allstate

$1,358

$113

Allstate

$1,364

$114

Kemper

$1,442

$120

GEICO

$1,479

$123

Progressive

$1,527

$127

GEICO

$1,552

$129

Travelers

$1,624

$135

Nationwide

$1,646

$137

Allstate

$1,657

$138

Kemper

$1,783

$149

Travelers

$1,821

$152

Nationwide

$1,900

$158

GEICO

$2,008

$167

Travelers

$2,174

$181

Erie

$2,194

$183

Nationwide

$2,227

$186

Erie

$2,232

$186

Allstate

$2,363

$197

Nationwide

$2,427

$202

Kemper

$2,435

$203

Allstate

$2,465

$205

GEICO

$2,501

$208

GEICO

$2,585

$215

Nationwide

$2,702

$225

State Farm

$2,727

$227

Allstate

$2,743

$229

Erie

$2,786

$232

State Farm

$2,872

$239

Kemper

$2,894

$241

Travelers

$2,908

$242

Kemper

$3,089

$257

Nationwide

$3,257

$271

State Farm

$3,262

$272

Travelers

$3,351

$279

GEICO

$3,421

$285

Travelers

$3,840

$320

Erie

$4,030

$336

Erie

$4,100

$342

State Farm

$4,511

$376

State Farm

$4,691

$391

Erie

$5,173

$431

State Farm

$5,643

$470

Insurance companies often charge those with lower credit scores higher rates, as they are thought to be more likely to file claims. You can search for discounts, bundle policies and compare quotes from different insurers to help reduce expenses. Improving your credit score by lowering your credit card debt, making timely payments and avoiding loans can also help reduce your insurance premiums.

Cheapest Car Insurance in Baltimore for Sports Cars

The least expensive auto insurers for sports car drivers seeking full coverage policies in Baltimore are:

  • Travelers: $1,341 per year
  • Progressive: $1,426 per year

State Farm has the highest premium for sports car owners in Baltimore at $2,369 per year. The average rate for a Toyota Camry is $1,625 per year, while sports car insurance costs $1,753 annually. This means that driving a sports car will cost you an additional $128 per year compared to a standard Camry — an increase of 8%.

Company
Annual Premium
Monthly Premium

Travelers

$712

$59

GEICO

$745

$62

Progressive

$755

$63

Kemper

$766

$64

Progressive

$771

$64

GEICO

$781

$65

Travelers

$791

$66

Kemper

$816

$68

Progressive

$896

$75

Allstate

$927

$77

Allstate

$929

$77

Travelers

$938

$78

GEICO

$956

$80

Kemper

$1,005

$84

Allstate

$1,096

$91

State Farm

$1,267

$106

Nationwide

$1,296

$108

State Farm

$1,341

$112

Travelers

$1,341

$112

Progressive

$1,394

$116

Progressive

$1,426

$119

Nationwide

$1,505

$125

State Farm

$1,516

$126

Travelers

$1,548

$129

Nationwide

$1,580

$132

Kemper

$1,611

$134

Allstate

$1,661

$138

Travelers

$1,710

$143

GEICO

$1,713

$143

Allstate

$1,748

$146

GEICO

$1,754

$146

Progressive

$1,769

$147

Allstate

$1,885

$157

Kemper

$1,986

$166

Kemper

$2,027

$169

Nationwide

$2,151

$179

GEICO

$2,241

$187

State Farm

$2,369

$197

Nationwide

$2,394

$199

State Farm

$2,470

$206

Nationwide

$2,607

$217

State Farm

$3,001

$250

MoneyGeek's survey used quotes for a Ford Mustang to gauge how owning a sports car impacts auto insurance premiums. Note that rates may differ depending on the make and model of your car. Typically, sports cars, luxury cars and electric vehicles are more expensive to insure, which also holds true in Baltimore.

Average Cost of Car Insurance in Baltimore

The average cost of car insurance in Baltimore is $1,440 annually, which is $287 more than the average rate in Maryland ($1,153 per year) and $175 higher than the national average cost ($1,265 per year). These rates are based on full coverage policies that include limits of $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per incident.

Although car insurance is generally cheaper in Maryland than in the rest of the country, Baltimore's rates are slightly higher due to population density, crime and accident rates. Location is just one of many factors that can influence car insurance costs.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Columbia

$1,041

$610

Baltimore

$1,625

$975

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.