Cheapest Car Insurance In Baltimore, MD For December, 2024
At $37 per month on average, GEICO offers the least expensive minimum coverage car insurance in Baltimore.
We’ve saved shoppers an average of $600 per year on their car insurance.
The hunt for affordable car insurance in Baltimore, MD, often uncovers a wide variation in prices.
GEICO shines as the cheapest provider for liability-only insurance. Progressive delivers excellent rates for full coverage, while State Farm is the most affordable for younger drivers.
Cheapest and best car insurance companies in Baltimore, MD 2024
Cheapest Liability-only Car Insurance In Baltimore: Cincinnati
If you’re looking for the cheapest minimum coverage car insurance in Baltimore, GEICO is the best choice, with rates averaging $37 a month.
The table below highlights the rates of different insurance providers for comparison.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Baltimore: Auto-Owners
If you’re looking for affordable full coverage in Baltimore, Progressive offers the best deal at an average of $92 per month.
The table below highlights the average auto insurance quotes from affordable insurers in Baltimore.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
With an average rate of $87 per month, State Farm offers the lowest car insurance rates for seniors in Baltimore.
Below, you’ll find a table showing the average quotes from affordable auto insurers catering to seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Baltimore For Teenagers: Nationwide
At an average of $313 per month, State Farm offers the most affordable car insurance for teens in Baltimore.
Use the table below to see which companies offer the cheapest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Baltimore: Travelers
With an average rate of $238 per month, State Farm offers the cheapest insurance for young adults in Baltimore.
The table below provides a comparison of the lowest auto insurance rates for young adults in Baltimore.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Baltimore For Good Drivers: Cincinnati
GEICO offers the most affordable car insurance for good drivers in Baltimore, with an average monthly rate of $37.
The table below allows good drivers to find average quotes from some of the most cost-effective insurance companies.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Baltimore rates
Cheapest Car Insurance In Baltimore After A Speeding Ticket: Auto-Owners
In Baltimore, drivers with a speeding ticket can find cheap car insurance with State Farm, which has average rates of $176 per month.
The table below displays the average car insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm is the most affordable option for drivers with an at-fault accident, providing average monthly premiums of $193.
Here are the insurance providers offering the most budget-friendly rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Baltimore For Drivers After A DUI: State Farm
With an average monthly rate of $188, State Farm offers the lowest insurance premiums for drivers with a DUI in Baltimore.
The table below displays the most cost-effective car insurance options for Baltimore drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Baltimore
AAA offers the most budget-friendly car insurance in Baltimore, with rates of $83 per month. If you’re looking for other options, Progressive costs $90 per month and GEICO charges $93 per month.
Below is a ranking of the top 10 car insurance companies in Baltimore, MD, based on their average monthly rates.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Baltimore – By Age
Younger drivers usually have higher car insurance premiums because of their lack of experience and higher risk of accidents. Teen drivers typically pay around $7,599 annually for insurance coverage.
At 25, many drivers experience a reduction in insurance premiums, as long as they have a clean driving record.
Drivers in their 50s and early 60s often benefit from the best car insurance rates, as their age is associated with greater driving experience and reduced risk.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Baltimore – By Vehicle
Insurance companies factor in the type of car you own when setting your rates, including details like make, model, year, and body style. Generally, newer cars, especially luxury ones with higher replacement costs and advanced features, lead to higher insurance premiums.
The following table shows the typical insurance rates in Baltimore for various vehicle types.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Baltimore – By Zip Code
Insurance companies use zip codes to evaluate crime rates, which can cause car insurance premiums to fluctuate between different areas.
The following table shows the average car insurance rates for different zip codes within Baltimore.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Maryland ?
Living in a city can raise your car insurance rates because insurers factor in higher risks like accidents, theft, and vandalism that are more common in urban areas.
As an illustration, Los Angeles drivers can expect to pay about $243 monthly for car insurance, compared to San Diego residents, who pay around $176 per month.
| City | Average Monthly Rate |
| Bowling Green | $135 |
| Newport | $133 |
| Owensboro | $142 |
| Danville | $158 |
| Versailles | $98 |
| Somerset | $125 |
| Covington | $127 |
| Ashland | $115 |
| Richmond | $130 |
| Frankfort | $128 |
Find affordable Baltimore rates
Our methodology
I’ve crafted an in-depth view of the car insurance landscape in Baltimore, MD, based on a thorough evaluation of customer ratings, product offerings, pricing, and feedback from various online review platforms.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Baltimore?
The cheapest car insurance in Baltimore comes from GEICO for minimum California coverage, with Progressive leading for full coverage, which includes comprehensive and collision options.
What is the average cost of car insurance in Baltimore?
The average monthly car insurance rate in Baltimore is roughly $180, although it can fluctuate based on factors like location, vehicle make and model, and driving history.
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