Cheap Auto Insurance in Baltimore, MD


Ensuring a quick and easy way to compare quotes and shop for car insurance in Baltimore





Auto Insurance in Baltimore and What You Need to Know



To guarantee you get the price on car insurance in Baltimore, you will need to do your research and contact a lot of different insurance companies. There are a number of variables which will inevitably affect the quote that you get for auto insurance in Baltimore including your age, driving history, marital status, the value of your car and even what street you reside on. Luckily, we have done much of the homework for you by compiling auto insurance rates in Baltimore based on a variety of factors. We have found the best value for money care insurance for a variety of different types of people and listed ways in which you can work towards ensuring you get the best price possible.

Percentage increase in Baltimore car insurance costs compared to national average

3569 %

Percentage increase in Baltimore car costs compared to average in Maryland

265 %

Percentage decrease in Baltimore car insurance costs compared to most expensive in Maryland

677 %

Full Coverage Car Insurance

Full coverage automobile insurance provides you with the peace of mind that you want when driving in Baltimore. Be sure to protect yourself, your passengers and others on the road.

Liability Car Insurance

You will want to be sure to meet the basic legal requirements for automobile insurance while driving in Baltimore. Check out what minimum liability insurance coverage plans are available.

High Risk Car Insurance

If you are looking for the best high-risk car insurance in Baltimore, we know that you can easily be overwhelmed by choice. We are here to help you navigate the options and get the best value for your money.

Home and Auto Insurance

Did you know that it is possible to save yourself time and money by combining your auto and home insurance in Baltimore into one complete package? Find out if this plan will work for you.


Your Driving Record Matters When Getting Auto Insurance in Baltimore

Have you previously tried to get car insurance in Baltimore, only to be told that the price would now be way higher than you originally were quoted? The reason could be that you originally disregarded any outstanding insurance points that might be on your driving record. Insurance points vary by location, meaning that the same infringement in one city could mean a lot more points than you would have been given in another city. Insurance points can significantly impact the amount of money that you will need to spend on your auto insurance in Baltimore. Be sure to go to your local department of motor vehicles and check if there are any outstanding fines or parking tickets that you might need to pay. Lowering your insurance points will make a big different to the amount that you need to pay for your next auto insurance in Baltimore.


best home and auto insurance Baltimore MD

Your Type of Car Plays a Role on Car Insurance Costs in Baltimore

Insurance providers take a multitude of factors into account when determining how much your auto insurance in Baltimore will be. The value, make and model of your car is a variable which will significantly impact how much you need to pay for auto insurance in Baltimore. The more expensive your car is, the more expensive it will be to replace and therefore the more expensive it will be to insure. The faster your car is, the more likely it is to get in a car accident, and therefore the more expensive it will be to insure. A bulky SUV is more likely to cause considerable damage simply due to its size, and therefore more expensive to insure. If you are looking to save money, then we recommend that you consider what vehicle you are driving and consider opting for a midsize car or less expensive model. Most auto insurance companies will use the value of your vehicle, and the likelihood that a particular model will get into an accident, as the primary factor when determining how much you will need to pay for auto insurance in Baltimore.

Vehicle TypeAnnual Average Cost of Car Insurance
Car2,165.48
Luxury1,997.65
SUV1,844.14
Van1,696.78
Truck1,657.88



best home and auto insurance Baltimore MD

Cost of Car Insurance in Baltimore by Gender and Marital Status

There are a lot of variables that can affect how much you will need to pay for car insurance in Baltimore. In many states, gender is no longer a variable that can be used; however, marital status still can. Whether you are single, married, widowed or divorced can be a determining factor for how much you will need to pay for your auto insurance in Baltimore. Married couples generally take advantage of the slowest rates for car insurance, as they are considered to be the least likely to get into a car accident. If you are newly married, consider getting a fresh quote for your auto insurance as it may save you some money. There are numerous discounted rate plans available for car insurance in Baltimore, so whether you are single, married, divorced or widowed, it is worth looking into the various options to ensure that you are getting the best value for your money and the best coverage that you can afford.

Where You Live in Baltimore Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Baltimore

15 %

Annual savings for car insurance in medium sized cities near Baltimore

9 %


Did you know that your Zip Code is a variable that insurance companies will take into account when they calculate how much you will need to pay for your car insurance in Baltimore? This is because cities with high levels of crime, vandalism and a propensity for car accidents will pass this associated cost onto you when paying for car insurance. If you live in a built-up, urban area then your car insurance will almost undoubtedly be higher than if you live in a rural area as there is a higher likelihood that you will get into a car accident. If you are new to Baltimore, then consider checking out the different prices for car insurance based on different places that you are looking to buy or rent. This might save you money that you can then put towards living in a safer, or more convenient area of the city.

Average Costs of Auto Insurance in Baltimore by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision1,510.61
Auto Insurance with Comprehensive Only1,782.51
Auto Insurance with Comprehensive and Collision2,628.44


Your Credit Affects Your Car Insurance Costs

Do you know what your credit rating is? Your credit rating is calculated based on a number of factors including your payment history, the amount that you owe, the length of your credit history and the amount of new credit that you have. Making late payments, having maxed out credit cards or going bankrupt will all seriously affect your credit rating. Conversely, your credit rating can also affect the amount that you will need to pay for your auto insurance in Baltimore. Credit score is used by 92 percent of car insurers to estimate the appropriate rate for each client so it will work in your favor to ensure your credit rating the best it can be. Look into improving your credit rating by actively researching your own credit report, paying bills on time and paying down debt to maintain minimum balances on your credit cards. Unlike other variables which affect the amount that you will need to pay for your car insurance, Improving your credit rating is a factor that you can work to improve.

Average car insurance rate changes in Baltimore based off credit scores.

61 %

Max car insurance rate changes in Baltimore based off credit scores

127 %


92 percent of the car insurance companies in Baltimore now think about your credit rating when calculating how much you will pay for auto insurance.



Baltimore Car Insurance Rates by Age

Age is a significant defining variable when determining the amount that you will need to pay for car insurance in Baltimore. This is because insurance companies have lumped together ages based on their propensity to get into a car accident and for the amount of damage to property or people that they are likely to inflict. As such, the youngest drivers tend to be the least experienced and thus pay the highest amount for car insurance. Middle aged adults take advantage of their driving experience and therefore pay the least amount with regards to their car insurance as they are the least likely to get into a vehicular accident. Senior citizens, particularly after about 70 years of age start to need to pay more for their car insurance once again. The effect that age has on the price that you will need to pay for car insurance can vary greatly from state to state so it is always best to compare quotations. We are here to assist you in finding the best value auto insurance in Baltimore.

best home and auto insurance Baltimore MD


Getting the Best Auto Insurance Rates in Baltimore


Navigating through the different types of auto insurance available in Baltimore can be an exhausting and stressful task. Top that off with all of the different variables that determine how much you may need to pay and we can understand why people get so frustrated when shopping for car insurance in Baltimore. There is no doubt that car insurance is a worthwhile investment as it will give you the peace of mind that you, your passengers and others that you encounter on the road are covered in the unfortunate event of a car crash, act of vandalism or natural disaster. You will still want to ensure that you get the best value for money option that you can afford and this is where we can help. Take the opportunity to examine the various prices from different insurance vendors to see what insurance package would suit your needs. Remember that we are here to help make the process of buying auto insurance in Baltimore easier for you and your wallet.