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Lequita Westbrooks is an insurance editor at Compare.com. Her writing and editing experiences span several industries, including insurance, personal finance, higher education, and more. She excels at explaining complex topics like auto insurance in simple, easy-to-understand language and is passionate about helping readers save money. Lequita graduated from the University of South Florida, where she earned her Bachelor’s degree in English.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Car insurance is a necessary expense for Baltimore drivers, but finding affordable coverage can be challenging. The average cost of car insurance in Baltimore is $385 per month, which is higher than the national average, according to our research. This is likely due to factors such as Baltimore’s dense urban environment and high accident rate.[1]
But many companies offer rates well below the citywide average. The three cheapest car insurance companies in Baltimore are USAA, GEICO, and State Farm, with USAA offering the lowest average liability rate, at $161 per month.
In this article, we’ll cover the cheapest insurers in Baltimore for various driver types, how to choose the right insurer, and ways to save on your car insurance.
USAA offers the cheapest car insurance in Baltimore, with an average monthly rate of $161.
The average rates for liability and full coverage in Baltimore are $325 and $444 per month, respectively.
Maryland requires all drivers to have minimum liability coverage of 30/60/15, uninsured motorist coverage, and personal injury protection.
While average rates in Baltimore are higher than the national average, several companies offer policies for much less. The table below shows the cheapest insurers in Baltimore, according to Compare.com data.
Company  | Average Monthly Premium |
|---|---|
| USAA | $161 |
| GEICO | $190 |
| State Farm | $207 |
| CSAA | $234 |
| Erie | $234 |
| Safeco | $239 |
| Progressive | $249 |
| Root | $253 |
| Travelers | $279 |
| Direct Auto | $281 |
| National General | $281 |
| Elephant | $283 |
USAA offers the lowest average monthly liability-only rate, at $161. That said your age, driving record, and where you live can all affect how much you pay.
In the following sections, we’ll break down the cheapest companies for various driver types and coverage levels.
While the companies listed above are a good starting point, your personal rates will vary widely due to factors like your age, driving record, and address. It’s important to compare rates from multiple insurers to find the best deal for your specific situation.
The table below shows the cheapest companies for various driver profiles and coverages, according to our data.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | USAA | $161 |
| Full coverage | USAA | $217 |
| Teens | USAA | $270 |
| Seniors | USAA | $130 |
| Drivers with a speeding ticket | USAA | $199 |
| Drivers with an at-fault accident | USAA | $208 |
| Drivers with a DUI | USAA | $252 |
| Drivers with excellent credit | USAA | $152 |
| Drivers with poor credit | USAA | $185 |
Let’s take a closer look at the cheapest options for different driver types and coverage levels.
Policies in Baltimore start as low as $161 per month.
Maryland requires drivers to purchase state-minimum coverage, which includes bodily injury liability, property damage liability, and uninsured/underinsured motorist coverage.
The average rate for minimum coverage in Baltimore is $325 per month, according to Compare.com data. But most experts recommend purchasing more than the state minimum because it may not provide enough protection if you get into a serious accident.[2]
If you need basic coverage that meets Maryland’s minimum requirements, we’ve highlighted the five cheapest companies in the chart below.
Most drivers should consider full coverage, which includes comprehensive and collision coverage in addition to liability insurance. Full coverage protects your vehicle from damage caused by accidents, theft, vandalism, and natural disasters.
Lenders and leasing companies typically require full coverage if you finance or lease your car, too.[3] We found that the average rate for full coverage in Baltimore is $444 per month. But several insurers offer full-coverage rates in line with the average liability price in Baltimore.The chart below shows the five cheapest insurers in Baltimore for full coverage, according to Compare.com data.
Teens have some of the most expensive auto insurance rates of any age group due to their lack of driving experience and higher likelihood of car accidents. In fact, teens are nearly three times more likely to get into a fatal crash than drivers age 20 or older, according to the Centers for Disease Control and Prevention (CDC).[4]
Nationwide, the average teen pays nearly double that of someone 20 or older, according to our data.
The average rate for teens in Baltimore is $617 per month. But teens can still find a good deal.
The chart below shows the five cheapest insurers in Baltimore for teens, according to Compare.com data.
Seniors tend to have the cheapest auto insurance rates of any age group due to their extensive driving experience and typically safer driving habits. Older drivers tend to drive less often and generally avoid nighttime driving, which reduces their chance of getting into a crash, according to the Insurance Institute for Highway Safety (IIHS).[5]
The average rate for seniors in Baltimore is $329 per month. Even with these low average rates, you can likely find a better deal from several companies.
The chart below shows the five cheapest insurers in Baltimore for seniors, according to Compare.com data.
Getting a ticket can raise your car insurance rates the next time your policy renews. This is because it indicates to insurers that you’re more likely to file insurance claims in the future.[6] Our research shows that even a single speeding ticket causes average rates to increase by 28% nationwide.
The average rate for drivers with a recent ticket in Baltimore is $484 per month, according to our data, but several insurers offer lower rates.
The chart below highlights the five cheapest companies in Baltimore for people with a recent ticket, according to Compare.com data.
Causing an accident can cause your rates to increase substantially. This is because it indicates to insurers that you’re more likely to file a claim in the future. Our research shows that a single at-fault accident causes average rates to increase by 33% nationwide.
The average rate for people with a recent accident in Baltimore is $507 per month, but you can often find a better deal with one of the five insurers highlighted in the chart below.
A DUI conviction causes the biggest increase in car insurance rates of any incident. Our research shows that average rates increase by 59% nationwide after a DUI. Even with higher rates, getting a DUI can make it difficult to find coverage at all.[7]
Thankfully, some insurers specialize in high-risk drivers, including people with DUIs. The average rate for Baltimore drivers with a DUI conviction is $584 per month, according to our data. But you’re not necessarily stuck with sky-high rates.
Check out the five cheapest insurance companies for drivers in Baltimore with a DUI , according to Compare.com data.
Some insurance companies look at your credit history when calculating your rates. Insurers use a credit-based insurance score” to determine your likelihood of defaulting on your bill or filing claims in the future.[8] Our research shows that drivers with poor credit pay 40% more, on average, than people with excellent credit.
The average rate for people with poor credit in Baltimore is $435 per month. But not all companies use credit, and some offer extremely affordable rates, regardless of your credit history.
The chart below shows the five cheapest insurers in Baltimore for drivers with bad credit, according to our data.
Compare personalized quotes from Baltimore’s top insurers.
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Maryland, like nearly every U.S. state, requires all drivers to have car insurance. Drivers need to meet the following minimum auto insurance requirements:
Bodily injury liability: $30,000 per person and $60,000 per accident
Property damage liability: $15,000 per accident
Uninsured/underinsured motorist: $30,000 per person and $60,000 per accident
Personal injury protection: $2,500 (can be waived)
You can find more information about these requirements from the Maryland Department of Transportation Motor Vehicle Administration.
Most experts recommend buying coverage above the state’s minimum limits. Lenders require comprehensive and collision coverage if you finance or lease your car.
Consider this scenario: You cause an accident that results in $50,000 in medical bills for the other driver. Your minimum coverage would only pay $30,000, leaving you responsible for the remaining $20,000 out of pocket.
Here are answers to some commonly asked questions about car insurance in Baltimore.
The average cost of car insurance in Baltimore is $385 per month, according to our data. Liability insurance costs an average of $325 per month, while full coverage averages $444.
Yes. Car insurance is expensive in Baltimore. The average rate in Baltimore is $385 per month, which is higher than the national average of $150, according to our research.
USAA offers the lowest average premiums in Baltimore, with an average rate of $161 per month, according to our data. But your actual rate may be higher or lower depending on your personal rating factors.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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