Baltimore is the nation's second-most accident-prone city, according to car insurance giant Allstate. No. 1 is Washington D.C., a few miles to the south. A Baltimore driver can expect a collision about every 5.3 years, Allstate claims data show.
They might expect a traffic citation more often. The Charm City has an extensive network of speed and red-light cameras. While the citations aren't reported to insurance companies and do not result in driver's license points, they do bring a bill when they arrive days later in the mail. Automated speeding tickets cost $40. A red light violation costs $75.
Baltimoreans pay Maryland's highest car insurance rates, double those paid by more rural areas of the state. Even across Baltimore, though, rates vary dramatically by neighborhood. Dundalk pays a third less than East Baltimore does. And in each ZIP code, one car insurance company will be much cheaper than another. That's why you shop. (You can see a ZIP code-level map of average rates for the whole city below.)
Learn more about what Maryland requires of its drivers on our Maryland state profile page.
Luckily Baltimore drivers have some other options for getting around: light rail, water taxis, even the free Charm City Circulato service downtown. Walk Score ranks Baltimore 14th best for walking among America's 50 largest cities, with its Federal Hill neighborhood a "walker's paradise."
One more reason Baltimore is great
The city's amazing OpenBaltimore database lets citizens peek at every parking ticket and meter violation, plus crime, tax and safety data. Also gathered for your perusal: "Rat Rubout" requests for rodent control.
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Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.
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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.
State Minimum: Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.
Liability Only 50/100/50: $50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.
Full Coverage 100/300/100: $100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.