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Baltimore Car Insurance

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Baltimore car insurance rates

Baltimore Inner Harbor

If you’re researching Baltimore car insurance or shopping for a policy, here you’ll find average Baltimore car insurance rates listed by ZIP code and company, so you can get a reference point for how much you can expect to pay. We’ll also explain how coverage works, and how much car insurance you need.

Drivers in Baltimore pay the most for car insurance in the state, but regardless of where you live, you can save a considerable amount if you compare rates.  Consider the following:

  • Many factors go into calculating car insurance rates – your age, your driving history, your credit -- but a driver's location is typically used as a base line for the process.
  • Insurance companies assess ZIP codes’ risk levels based on the number and severity of car insurance claims within the area. They also use different formulas when deciding what you pay, which is why the price for the same policy varies by hundreds, or thousands, from one insurer to the next.
  • For example, Baltimore ZIP code 21216 is the priciest for Maryland car insurance, with an average rate of $2,432, the most expensive in the city and the state, according to a CarInsurance.com analysis.
  • The highest rate from any carrier for that neighborhood ($2,852) was $949 more than the lowest ($1,903), according our rate analysis.

The wide range in rates from different insurers shows why it's wise to compare car insurance rates.  Enter your ZIP code in the average rate tool below to see the price for a policy in your neighborhood, as well as the highest and lowest cost fielded from six insurance companies.


 

Baltimore Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Invalid ZIP code or data not available
MOST & LEAST EXPENSIVE ZIP CODES in Maryland
HIGHEST RATE:
  • 21216- BALTIMORE: $2,423
  • 21215- BALTIMORE: $2,392
  • 21213- BALTIMORE: $2,355
  • 21223- BALTIMORE: $2,354
LOWEST RATE:
  • 21742- FOUNTAINHEAD-ORCHARD HILLS: $1,111
  • 21722- CLEAR SPRING: $1,112
  • 21795- HALFWAY: $1,112
  • 21733- FAIRPLAY: $1,115

Here's how Baltimore’s highest average rate ($2,432)  compares to others, for a full coverage policy:

  • $1,321  more than the least expensive average rate ($1,111) in the state, Fountainhead-Orchard Hills ZIP 21742
  • $1,042 more than the state average ($1,390)
  • $803 more than the average rate for all of Baltimore ($1,629)
  • $1,077 more than the national average rate ($1,355)

Baltimore car insurance rates by ZIP code

Here are the 5 most and least expensive ZIP codes for car insurance in Baltimore. You'll see in the chart below that you can save up about $900 to $1,600  just by comparing car insurance quotes, no matter which address you call home. 

Most expensive

ZIP codeAverage rateHighest rateLowest rate
21216$2,423$2,852$1,903
21215$2,392$2,758$1,903
21213$2,355$2,953$1,842
21223$2,354$2,803$1,842
21217$2,326$2,803$1,903

Least expensive

ZIP codeAverage rateHighest rateLowest rate
21240$1,522$2,744$1,143
21250$1,586$2,674$1,198
21226$1,658$2,548$1,143
21225$1,728$2,697$1,301
21236$1,732$2,575$1,221

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 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. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.



    Baltimore car insurance requirements

    Maryland state law requires the following minimum car insurance coverage:
    Minimum bodily injury liability$30,000/$60,000
    Minimum property damage liability$15,000
    Uninsured/underinsured motorist bodily injury$30,000/$60,000
    Uninsured motorist property damage$15,000
    Personal injury protection$2,500 (can be waived)

    Cheap car insurance: Baltimore

    Minimum liability coverage limits of 30/60/15 are required to drive in Maryland. You are also required to buy uninsured and underinsured motorist coverage. Buying the state required limits is definitely the cheapest way to go. But your assets and savings aren’t shielded from lawsuits and you won’t be covered for damage to your own car.

    It does cost more to buy more protection, but as you’ll see below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $680 more, or $57 a month. Just hiking to higher liability costs just $38 dollars more a year.

    • Maryland state minimum average annual rate: $710
    • Liability only; 100/50/100 average annual rate: $748
    • Full coverage of 100/300/100, with comprehensive and collision and $500 deductible: $1,390

    For more details on how comprehensive, collision, uninsured motorist coverage and liability work to protect you and your car as well as damage and injuries you cause in an accident, see our Maryland car insurance page or explanations of the different types of car insurance.

    Who has the cheapest Baltimore car insurance rates?

    Below you'll see average annual rates for Baltimore, ranked cheapest to most expensive, for three coverage levels:

    • State minimum liability requirements
    • Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
    • Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible
    CompanyState minimum
    Geico$960
    Nationwide$965
    State Farm$1,072
    Progressive$1,161
    Allstate$1,250
    Company50/100/50
    Geico$945
    Nationwide$1,008
    State Farm$1,194
    Progressive$1,266
    Allstate$1,307
    Company100/300/100
    Nationwide$1,667
    Progressive$1,668
    Geico$1,688
    State Farm$2,091
    Allstate$2,731