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Find the Best Car Insurance Companies in Baltimore, MD

Baltimore drivers are required by state law to carry car insurance, so it’s important to find the necessary coverage at a fair price. The Baltimore Sun has partnered with ConsumerAffairs to create this guide by comparing the consumer reviews and local availability of 16 businesses and choosing seven favorites from the top car insurance companies in Baltimore.

Companies pay ConsumerAffairs to be authorized, and The Baltimore Sun and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Why Baltimore residents need car insurance

baltimore skyline

Auto insurance in Baltimore isn’t just nice to have — it’s required by law. Maryland residents need to purchase auto insurance in order to avoid penalties, like fees or losing their licenses. It’s an added benefit that car insurance helps you protect yourself and your finances in case of an accident. With one of the longest average commutes in the nation, Baltimore residents spend a lot of time on the road, making coverage even more important.

How much is car insurance in Baltimore?

On average, Baltimore residents pay about $1,825 a year for auto insurance, while people across Maryland have lower averages of just $1,375 per year. This is normal for big cities, where car insurance premiums are often higher due to the likelihood of accidents and theft.

However, premiums depend on more than just where you live. Other factors include your:

  • Age
  • Gender
  • Driving history, including accidents and claims
  • Vehicle’s make, model and year

Most Baltimore residents are also eligible for a variety of discounts, like safe driver discounts, student discounts and savings on bundled policies.

Driving in Baltimore

Baltimore is a high-traffic city, with thousands of commuters hitting the road every single day and many tourists joining them during the summer. With so many people relying on their cars to get around and increased opportunities for accidents and road damage, car insurance is more than just a legal necessity in Baltimore. It’s a way to protect your finances from Baltimore’s road hazards.

Crashes in Baltimore

In Baltimore, there were a total of 100,110 crashes reported between 2009 and 2013. Most of these crashes happened in the inner city and were caused by distracted or impaired driving, two things that even good defensive drivers can’t always plan for. This is just one reason why it’s important for you to have good coverage.

Road conditions in Baltimore

In 2020, the American Society of Civil Engineers gave Maryland’s infrastructure a C rating, stating that aging systems and dense populations pose challenges to our roads and bridges. According to the report, 20% of our roads aren’t in good or very good condition. These roads can be plagued with potholes, uneven surfaces and other damage that can lead to accidents.

Weather also poses a unique challenge to Baltimore residents, who experience more rain on average than people in many other states. Poor weather conditions make it harder to see and stop your vehicle in time.

Vehicle theft in Baltimore

In Maryland, a vehicle theft occurs about every 39 minutes. Neighborhoods like Frankford, Belair-Edison, Brooklyn, Sandtown-Winchester and Patterson Park are particularly known for their high rates of auto theft. Luckily, comprehensive car insurance helps covers your costs in case your car is stolen.

What is the minimum auto insurance coverage in Baltimore?

In Maryland, drivers must carry minimum auto insurance coverage with at least $30,000 for bodily injury liability coverage per person and at least a $60,000 maximum per accident. Insurance must also include at least $15,000 of property damage liability coverage.

Maryland residents are required to purchase uninsured motorist coverage as well, with the same limits as listed above. This insurance comes into play if you’re hit by an uninsured motorist and need coverage. Lastly, your insurance policy must also include personal injury protection.

While insurance may be expensive, it’s often more expensive to not have insurance. Maryland drivers who are caught without the required insurance coverage can lose their license and registration privileges and be charged penalties of $150, plus $7 for every day after the first 30 days until they purchase insurance.

Baltimore car insurance FAQ

How much is car insurance in Baltimore?

The average cost for car insurance in Baltimore is about $1,825 per year, but many factors play a part in determining your final costs.

What is liability insurance for cars?

Liability insurance covers the cost of fixing another person’s car or property or, in some states, paying for their medical bills if the accident is your fault. It does not cover damage to you or your property, though.

Who has the cheapest car insurance in Baltimore?

Because so many factors affect the cost of car insurance, it’s difficult to say who has the cheapest car insurance in Baltimore. One way to find cheap insurance is to use online tools to compare a variety of companies and find the lowest rates.

How can I get cheap car insurance in Baltimore?

The best way to save on car insurance is to compare quotes from a variety of companies to find the right deal on coverage. Also, make sure you’re taking advantage of any and every discount available to you.

Why is my car insurance so high?

Your insurance may be high because of a variety of factors, such as:

  • An increase in claims
  • A change in your credit history
  • A new or expensive vehicle
  • Being a young driver

Baltimore car insurance company information

EverQuote

EverQuote is an online insurance comparison tool offering customers the ability to compare rates from different carriers quickly. EverQuote is free to use and allows you to fill out one profile in order to connect with rates from multiple companies. Insurance agents are available via email and over the phone, including local Baltimore agents.

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GEICO

GEICO is a national provider of auto insurance with good financial strength and a solid history. GEICO consumer reviews praise the company’s customer service and support, and 97% of customers report satisfaction with their policy and service. As the company’s commercials claim, GEICO’s low-rate policies can save you 15% or more on your car insurance. You can also save by insuring multiple cars, installing safety features or being a member of certain organizations.

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Progressive Auto Insurance

Progressive claims to save customers an average of $750 per year when they switch. Its Name Your Price Tool lets you enter your preferred rate and receive a range of options to fit your budget. Progressive’s online quote creator lets you compare different coverage levels and prices. Progressive has 24/7/365 customer service along with discounts for multipolicy customers, multivehicle policies, continuous insurance, good students, teen drivers, homeowners, online quotes and paperless billing.

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State Farm Auto Insurance

State Farm Auto Insurance offers a wide variety of policy options, from collision to comprehensive coverage. The company has over 19,000 agents across the nation, including local agents in Baltimore. Customers can file claims and track their progress online. Allstate has discounts for paperless billing, online sign-up, new cars, new drivers, anti-lock brakes and cars with security devices.

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Allstate Auto Insurance

Allstate pairs Baltimore drivers with nearby agents for local support. These local agents help customers personalize their policies based on risks specific to Baltimore. Allstate’s Drivewise program lets you earn discounts and cash back in real-time for driving safely. The company also has several savings options, including discounts for anti-theft features, bundled products, smart students, new cars, early signing and safe driving clubs.

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USAA Auto Insurance

USAA claims members save an average of $707 when they switch to its plans. It has flexible payment options and mobile app access, and its accident forgiveness plan removes penalties for accidents after five years of safe driving. USAA is a smart option for military members and their families, with discounts for military-specific scenarios like long-term vehicle storage. The company also has discounts for safe driving, new vehicles, good students and military installations.

USAA Auto Insurance

Baltimore Insurance Network

Baltimore Insurance Network offers localized insurance comparison services for local residents looking to save on their insurance premiums. Its agents compare different coverage levels and options from national, state and local insurance companies to find low prices. Baltimore Insurance Network says customers save 30% on average on their premiums without sacrificing any coverage. The company is located at 11 E. Lexington St., Third Floor, Baltimore, MD 21202.

Baltimore Insurance Network