+120 more*These quotes are from Compare.com users in and around Baltimore, Maryland within the last 10 days. Updated on July 19, 2026
*These quotes are from Compare.com users in and around Baltimore, Maryland within the last 10 days. Updated on July 19, 2026
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Professor of Risk Management
25+ years in insurance
Former commercial lines underwriter
Updated
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 $362 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, Direct Auto, and Safeco, with USAA offering the lowest average liability rate, at $251 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 $251.
The average rates for liability and full coverage in Baltimore are $310 and $415 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 | $251 |
| Direct Auto | $264 |
| Safeco | $279 |
| GEICO | $298 |
| Elephant | $300 |
| Clearcover | $311 |
| Progressive | $320 |
| State Farm | $324 |
| National General | $327 |
| Root | $352 |
| GAINSCO | $359 |
| Erie | $367 |
| Bristol West | $399 |
| Travelers | $436 |
| Liberty Mutual | $461 |
USAA offers the lowest average monthly liability-only rate, at $251. 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 | $251 |
| Full coverage | CSAA | $328 |
| Teens | USAA | $421 |
| Seniors | USAA | $207 |
| Drivers with a speeding ticket | USAA | $316 |
| Drivers with an at-fault accident | USAA | $328 |
| Drivers with a DUI | USAA | $383 |
| Drivers with excellent credit | USAA | $220 |
| Drivers with poor credit | USAA | $309 |
Let’s take a closer look at the cheapest options for different driver types and coverage levels.
Policies in Baltimore start as low as $251 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 $310 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $251 |
| Direct Auto | $264 |
| Safeco | $279 |
| GEICO | $298 |
| Elephant | $300 |
| Clearcover | $311 |
| Progressive | $320 |
| State Farm | $324 |
| National General | $327 |
| Root | $352 |
| GAINSCO | $359 |
| Erie | $367 |
| Bristol West | $399 |
| Travelers | $436 |
| Liberty Mutual | $461 |
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 $415 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.
Company | Average Monthly Premium |
|---|---|
| CSAA | $328 |
| Safeco | $354 |
| USAA | $376 |
| Elephant | $424 |
| Progressive | $426 |
| Direct Auto | $434 |
| GEICO | $447 |
| State Farm | $484 |
| National General | $497 |
| Root | $509 |
| Clearcover | $524 |
| Erie | $549 |
| Liberty Mutual | $593 |
| Travelers | $652 |
| GAINSCO | $662 |
| Bristol West | $851 |
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 $543 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $421 |
| Clearcover | $461 |
| Direct Auto | $471 |
| Root | $475 |
| Progressive | $480 |
| GEICO | $490 |
| Elephant | $494 |
| Safeco | $521 |
| State Farm | $574 |
| GAINSCO | $575 |
| National General | $597 |
| Erie | $613 |
| Bristol West | $641 |
| Liberty Mutual | $732 |
| Travelers | $831 |
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 $323 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $207 |
| Direct Auto | $220 |
| GEICO | $241 |
| Safeco | $247 |
| Elephant | $247 |
| State Farm | $259 |
| National General | $261 |
| Clearcover | $279 |
| Progressive | $285 |
| Erie | $286 |
| GAINSCO | $313 |
| Root | $329 |
| Bristol West | $338 |
| Travelers | $354 |
| Liberty Mutual | $389 |
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 $431 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $316 |
| Direct Auto | $324 |
| Elephant | $356 |
| Safeco | $358 |
| GEICO | $381 |
| Progressive | $381 |
| Clearcover | $387 |
| National General | $398 |
| State Farm | $401 |
| Root | $409 |
| GAINSCO | $420 |
| Erie | $473 |
| Bristol West | $491 |
| Travelers | $552 |
| Liberty Mutual | $573 |
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 $450 per month, but you can often find a better deal with one of the five insurers highlighted in the chart below.
Company | Average Monthly Premium |
|---|---|
| USAA | $328 |
| Direct Auto | $350 |
| Safeco | $378 |
| Elephant | $381 |
| GEICO | $382 |
| Progressive | $398 |
| State Farm | $418 |
| National General | $423 |
| Root | $429 |
| Clearcover | $430 |
| GAINSCO | $446 |
| Erie | $479 |
| Bristol West | $513 |
| Travelers | $573 |
| Liberty Mutual | $594 |
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 $583 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $383 |
| Direct Auto | $403 |
| GEICO | $452 |
| Elephant | $458 |
| Clearcover | $458 |
| Safeco | $463 |
| State Farm | $494 |
| National General | $499 |
| Progressive | $515 |
| Root | $537 |
| GAINSCO | $548 |
| Erie | $561 |
| Bristol West | $609 |
| Travelers | $665 |
| Liberty Mutual | $703 |
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 $453 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.
Company | Average Monthly Premium |
|---|---|
| USAA | $309 |
| Direct Auto | $326 |
| Safeco | $345 |
| GEICO | $368 |
| Elephant | $371 |
| Clearcover | $384 |
| Progressive | $400 |
| National General | $404 |
| Root | $435 |
| GAINSCO | $444 |
| State Farm | $466 |
| Bristol West | $493 |
| Erie | $538 |
| Travelers | $539 |
| Liberty Mutual | $552 |
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 $362 per month, according to our data. Liability insurance costs an average of $310 per month, while full coverage averages $415.
Yes. Car insurance is expensive in Baltimore. The average rate in Baltimore is $362 per month, which is higher than the national average of $141, according to our research.
USAA offers the lowest average premiums in Baltimore, with an average rate of $251 per month, according to our data. But your actual rate may be higher or lower depending on your personal rating factors.
Our editorial team used highly trained generative artificial intelligence (AI) tools to assist with the first draft of this article before multiple insurance experts — including at least one licensed agent — rigorously reviewed, fact-checked, and edited every word and data point you see here.
We research, write, edit, and review all content on Compare.com in accordance with our strict editorial standards to ensure accuracy, clarity, and helpfulness. Learn more about our editorial process here.
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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