Compare the Cheapest Car Insurance Quotes in Baltimore, MD

2022

The Cheapest and Best Car Insurance in Baltimore

The Cheapest Car Insurance Companies in Baltimore

A full coverage car indemnity policy offers broad fiscal security to a driver in case of an accident as it combines indebtedness, comprehensive and collision coverages. In Baltimore, these providers offer the most low-cost full coverage policy policies for an average driver :

• Erie: $1,545 per year
• Allstate: $1,673 per year

USAA presents a cheaper premium at $ 1,217 annually, but it ’ s merely available for current and withdraw military personnel and their families. however, MoneyGeek ’ s research shows that USAA is 251 % less expensive than Esurance, the city ’ s most costly insurance company .

Cheapest Car Insurance in Baltimore

Full Coverage 100/300/100

• caller 100/300/100

  per year

• 1 .USAA

  $1,217

• 2 .Erie

  $1,545

• 3 .Allstate

  $1,673

• 4 .Travelers

  $1,710

• 5 .Nationwide

  $1,736

• 6 .GEICO

  $1,983

• 7 .State Farm

  $2,024

• 8 .Progressive

  $2,058

• 9 .MetLife

  $2,142

• 10 .Esurance

  $4,271

The car indemnity rates in this cogitation are for a 40-year-old male driver in Baltimore with a full coverage policy based on MoneyGeek ’ s methodology. A full coverage car policy policy includes comprehensive examination coverage, collision coverage and the state ’ second required coverages. It offers broad fiscal protections in character of an accident, but it ’ s more costly than a minimal coverage policy .

• Comprehensive Coverage: Pays for losses incurred due to weather events, theft, falling objects and other damage not caused by a collision.
• Collision Coverage: Pays for vehicle repairs if you’re in an accident.

If you have an older car, consider that a wide coverage insurance policy can be more expensive than your cable car ’ s actual deserving. A liability-only or state minimum insurance policy is recommended in this case to obtain the cheapest rates potential .

Compare Car Insurance Rates in Baltimore

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Cheapest Car Insurance in Baltimore for Minimum Coverage

If you ’ rhenium looking for Baltimore ’ randomness bum car indemnity offers, you can opt for a express minimum policy. such policies are significantly more low-cost but don ’ triiodothyronine include comprehensive and collision coverages, which exposes you to considerable fiscal risk in the encase of an accident. These providers offer the most low-cost minimum coverage policies :

• Erie: $926 per year
• Travelers: $1,020 per year

USAA offers the most low-cost state minimum premiums in Baltimore for eligible military members and their families at $ 673 annually. It ’ second $ 2,027 cheaper than the city ’ s most expensive state minimum supplier, Esurance. Check out the table below to see how costs vary depending on liability coverage .

Cheapest Minimum Liability Car Insurance in Baltimore

state of matter Minimum

• ship’s company State Minimum

  per year

• 1 .USAA

  $673

• 2 .Erie

  $926

• 3 .Travelers

  $1,020

• 4 .Allstate

  $1,067

• 5 .GEICO

  $1,203

• 6 .MetLife

  $1,207

• 7 .Nationwide

  $1,262

• 8 .State Farm

  $1,314

• 9 .Progressive

  $1,374

• 10 .Esurance

  $2,700

The state of Maryland requires its drivers to have at least a minimum coverage policy, which includes coverages for bodily injury indebtedness, property damage liability, uninsured motorist bodily injury and uninsured motorist property damage. Since minimum coverage policies are Baltimore ’ s most low-cost car indemnity, buying this coverage will result in savings on your monthly premiums. however, in case of an accident, you can easily end up paying a distribute more. That ’ s because liability indemnity in Maryland only covers $ 30,000 for bodily injuries per person. If you ’ re at mistake in an accident, for example, and the early party ’ s aesculapian expenses reach $ 40,000, you ’ ll have to pay the remaining $ 10,000 out of air pocket .

Maryland Minimum Liability Requirements

• detail description
• Bodily Injury and Property Damage $ 30,000 per person, $ 60,000 per accident and $ 15,000 for property damage. A more protective degree is 100/300/100 .
• Uninsured motorist $ 30,000 per person and $ 60,000 per incident. The minimum coverage may not be enough if you ‘re in a dangerous accident .

Cheapest Car Insurance in Baltimore if You Have Driving Violations

Having a drive violation on your record can cause your policy rates to go up. If you do have a travel rapidly ticket, DUI or an at-fault accident, however, you can work towards improving your driving history over time and get your rates lowered. While you ’ re doing that, your best option is to shop around and compare quotes from versatile providers. MoneyGeek ranked Baltimore ’ south bum car insurance providers for drivers with a bad record :

• Cheapest after a ticket: Erie, $1,611 per year
• Cheapest after an at-fault accident: Erie, $1,994 per year
• Cheapest after a DUI: Erie, $1,611 per year

military personnel and their families may be eligible for indemnity through USAA, which has the most low-cost car policy rates in Baltimore for drivers with a speeding tag or an at-fault accident .

Cheapest Car Insurance in Baltimore With a Violation

Speeding tag

• company Speeding Ticket

  per year

• 1 .USAA

  $1,335

• 2 .Erie

  $1,611

• 3 .Allstate

  $1,929

• 4 .GEICO

  $2,194

• 5 .Nationwide

  $2,208

• 6 .State Farm

  $2,229

• 7 .Travelers

  $2,382

• 8 .Progressive

  $2,588

• 9 .MetLife

  $2,685

• 10 .Esurance

  $4,725

Average Cost of Car Insurance in Baltimore

Baltimore

$2,127

Maryland

$2,127

U.S.

$1,424

In Baltimore, the average annual cost of car insurance is $ 2,127, which is equivalent to the statewide rate, although this is a lot higher than the national modal price of car insurance. Drivers in Baltimore pay about 49.3 % more than the national median for car insurance.

Personalized Quotes to Get You the Cheapest Car Insurance in Baltimore

When computing car policy quotes in Baltimore, policy companies take several factors into consideration, such as senesce, placement, driving record and make and model of the fomite, among others. In Baltimore, for model, a car indemnity policy from Erie for an 18-year-old driver costs around $ 3,975 per year, while a exchangeable policy for a 40-year-old driver costs around $ 1,545. car indemnity companies in Baltimore assess the hazard associated with the driver in order to compute the best cable car insurance rates. Since the factors affecting your hazard can change over time, it ’ mho recommended that you request a individualized quote regularly therefore you can get the cheapest car policy quotation mark desirable for your needs .

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The Best Car Insurance Companies in Baltimore

To help you find a supplier that offers both affordability and timbre avail, MoneyGeek ranked the best cable car indemnity companies in Baltimore. On average, the best cable car indemnity companies in the city are :

• GEICO: MoneyGeek score of 93 out of 100
• Hatford: MoneyGeek score of 88 out of 100

USAA earned the highest seduce in Baltimore per MoneyGeek ’ second rating arrangement. however, because it ’ s only available to active military members, veterans and their families, we did not list it as well overall. MoneyGeek used assorted factors to determine scores out of 100, including J.D. Power ’ s ratings for customer satisfaction, affordability and the fiscal constancy of the insurance caller in wonder .
1

USAA

score :

100

5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2

GEICO

score :

92.5

5/5

Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal stability 3

Hartford

score :

87.5

4/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 4

State Farm

score :

85

3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal stability 5

Travelers

score :

85

2/5 Affordability 5/5 Claims Ratings 2/5 User Satisfaction A++ fiscal stability 6

Progressive

grade :

80

3/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 7

Nationwide

grudge :

77.5

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 8

Farmers

score :

75

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 9

CSAA

score :

75

3/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 10

Allstate

score :

75

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 11

Plymouth Rock Assurance

score :

72.5

2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal stability 12

Liberty Mutual

sexual conquest :

72.5

2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A fiscal stability

Average Cost of Car Insurance by Postal Code

Since unlike neighborhoods have unlike costs of populate and car-related incidents, insurance companies besides consider your specific residential address when computing your car policy quotation in Baltimore. Drivers who live in ZIP code 21224, the most low-cost region for car coverage in Baltimore, will pay about $ 686 less in annual car policy premiums than drivers who live in ZIP code 21215 .

• Zip Code State Minimum

  per year

• 21224

  $1,751

• 21206

  $2,145

• 21218

  $2,174

• 21215

  $2,437

Factors That Impact Insurance Costs in Baltimore

In addition to individual driver needs and history, location-specific factors like personal injury security coverage requirements and the share of uninsured motorists besides contribute to car insurance rates in Baltimore. How Baltimore ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs . Most Accidents With Fatalities

209th

/ 300 Most car Thefts

136th

/ 300 Most uninsured Motorists by State

23rd

/ 50 personal Injury Protection Required Yes Most annual rain

102nd

/ 300 Most showery Days

93rd

/ 300

Methodology and Assumptions

MoneyGeek ’ second average premium rates for Baltimore are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, placement and drive read. Learn more about MoneyGeek ’ south data and methodology here. About the writer

Mark Fitzpatrick is a aged capacity coach with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance grocery store and creating original inquiry and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .