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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 PER MONTH:
  • 21216- BALTIMORE: $109
  • 21215- BALTIMORE: $107
  • 21223- BALTIMORE: $105
  • 21213- BALTIMORE: $105
LOWEST RATE PER MONTH:
  • 21750- HANCOCK: $44
  • 21722- CLEAR SPRING: $44
  • 21711- BIG POOL: $44
  • 21733- FAIRPLAY: $44

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

    How much does insurance go up after a speeding ticket in Baltimore?

    CarInsurance.com’s rate analysis shows that drivers in Baltimore can expect to pay, on average, up to about $705 more a year for car insurance after minor violations such as speeding. More serious infractions, such as reckless driving can hike rates as much as $859. Minor traffic violations typically stay on your record for about three years, and you can expect to see the rate increase upon your policy renewal date.

    ViolationAverage rateRate after violationDollar increasePercentage increase
    2 speeding tickets 11 mph or over$2,387$3,438$1,05144%
    Operating a vehicle in a race (highway racing)$2,387$3,245$85936%
    Reckless driving$2,387$3,245$85936%
    DUI/DWI first offense$2,387$3,138$75231%
    Speeding 30+ over limit$2,387$3,091$70530%
    Speeding ticket 16-29 MPH over limit$2,387$3,091$70530%
    Careless driving$2,387$2,999$61326%
    Failure to stop$2,387$2,836$44919%
    Failure to yield$2,387$2,836$44919%
    Following too closely$2,387$2,836$44919%
    Improper turn$2,387$2,836$44919%
    Improper/illegal pass$2,387$2,836$44919%
    Speeding ticket 1-5 MPH over limit$2,387$2,820$43418%
    Speeding ticket 6-10 MPH over limit$2,387$2,820$43418%
    Speeding ticket 11-15 MPH over limit$2,387$2,820$43418%
    Lapse of coverage for 60 days$2,387$2,705$31913%
    Lapse of coverage for 7 days$2,387$2,688$30113%
    Lapse of coverage for 15 days$2,387$2,688$30113%
    Lapse of coverage for 30 days$2,387$2,688$30113%
    Driving without a license or permit$2,387$2,585$1988%
    Driving without insurance$2,387$2,585$1988%
    Seatbelt infraction$2,387$2,387$-0%

    *Methodology: CarInsurance.com commissioned Quadrant Information Services in 2019 to field rates from up to six major insurers for 10 ZIP codes in the city for the following driver profile: male, age 40, good credit, clean driver record, driving 2017 Honda accord. We compared the clean record driver rate to the rate for various tickets and accident claims to get the average percentage and dollar increase, for the coverage level of 100/300/50; with comprehensive and collision and $500 deductible. These are estimates; your actual rate will depend on your personal rating factors.

    How much will an accident raise my insurance in Baltimore?

    When you file a claim for an accident that's your fault, typically your car insurance rates will increase. The table below shows how much for drivers in Baltimore can expect to pay for common car insurance claims.

    ClaimAverage rateRate after claimDollar increasePercentage increase
    2 At-fault property damage accident over $2k$2,387$5,290$2,903122%
    1 At-fault property damage accident over $2K$2,387$3,295$90938%
    1 At-fault property damage accident under $2K$2,387$3,295$90938%
    At-fault bodily injury accident$2,387$3,295$90938%
    Hit and run - injury$2,387$3,245$85936%
    Hit and run property damage$2,387$3,245$85936%
    2 comprehensive claims for over $2k$2,387$3,033$64627%
    1 comprehensive claim for over $2k$2,387$2,471$844%
    1 comprehensive claim for under $2k$2,387$2,471$844%

    Adding a teen driver to your insurance

    Teen drivers are inexperienced, and are involved in more accidents than older drivers, so they cost more to insure. In Baltimore, adding a 16-year-old daughter to your policy will hike your rates by $3,158 annually, or 132 percent. It's more for boys. Insuring your 16-year-old son will increase your yearly rate by $4,234, or 177 percent, according to CarInsurance.com rate data. If you're insuring a teen driver of any age, you can get expert tips, more rate data by age and details from our "Parents guide to insuring a teen driver."

    Bad credit nearly doubles car insurance rates

    Having a low credit score and poor credit history significantly increases how much you pay for car insurance, unless you live in Hawaii, California or Massachusetts where the practice is banned. Maryland ranks thirty ninth among the worst states for drivers with bad credit. Baltimore drivers with bad credit can expect rates to go up by $1,416, or 59 percent, on average, yearly. Even with bad credit, you can still save money on car insurance, as some insurance companies will increase rates higher than others for those with less than perfect credit. That's why it's always prudent to compare car insurance quotes at least once a year.

    SR-22 insurance

    If you're convicted of a serious offense, such as DUI or reckless driving, you may be required to have your insurance company file an SR-22 form on your behalf. An SR-22 is a car insurance company’s guarantee to the state that you are carrying the legally mandated coverage. If you are required to have an SR-22 filed, your car insurance rates will increase. CarInsurance.com data show that for drivers in Baltimore, your rate will go up by an average of $848, or 36 percent.