For good drivers, one of the largest criteria that are used to help calculate the amount you pay each year for auto insurance is where you live. Areas with more people or even just a higher incidence of claims will most likely have higher rates, whereas areas with lower vehicle theft rates and fewer weather claims get the luxury of paying less.
The next table shows the most expensive areas in Maryland for safe drivers to purchase auto insurance in. Baltimore shows up at #1 with the yearly price of $1,814 for coverage, which is around $151 each month.
|Rank||City||Premium Per Year|
|23||Bel Air South||$1,174|
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Table data uses approximated as the specific garaging location can decrease or increase premiums considerably.
The make and model of vehicle that is being insured is one of the largest considerations when consumers are trying to find the best cheap auto insurance for safe drivers. Vehicles with lower performance, a great safety record, or a low likelihood of liability claims will cost significantly less to insure than adrenaline junky models.
The list below estimates insurance prices for a selection of the most economical vehicles to buy insurance for.
|Vehicle Make and Model||Estimated Cost for Full Coverage|
|Honda CR-V EX 4WD||$2,817|
|Nissan Altima 2.5 4-Dr Sedan||$2,852|
|Toyota Camry LE||$2,861|
|Toyota Tacoma Double Cab TRD Off-Road Package 4WD||$2,905|
|Ford Explorer Eddie Bauer 4WD||$2,914|
|Ford Focus SES 4-Dr Sedan||$2,944|
|Honda Accord EX 4-Dr Sedan||$2,955|
|Ford Escape XLT 4WD||$3,025|
|Kia Optima LX||$3,053|
|GMC Sierra 2500HD SLE Regular Cab 4WD||$3,062|
|Hyundai Sonata GLS 4-Dr Sedan||$3,053|
|Dodge Ram Quad Cab ST 4WD||$3,106|
|Hyundai Elantra SE Touring Station Wagon||$3,208|
|Toyota Camry Hybrid||$3,254|
|Chevrolet Silverado 2500HD LTZ Crew Cab Diesel 4WD||$3,257|
|Toyota RAV4 Limited 4WD||$3,268|
|Chevrolet Malibu LS||$3,276|
|Chevrolet Equinox LT 2WD||$3,268|
|Dodge Ram 3500 Crew Cab SLT 2WD||$3,310|
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Data variables include single female driver age 50, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, multi-vehicle, claim-free, homeowner, and multi-policy. Rate information does not factor in specific location which can lower or raise coverage prices considerably.
Looking at the data, we can presume that makes and models like the Honda CR-V, Nissan Altima, Toyota Camry, Toyota Tacoma, and Ford Explorer are most likely going to be the more affordable vehicles to insure for good drivers.
How to get discounts on Baltimore insurance
Insurance providers that provide policies for safe drivers may also give you discounts that could lower prices by 35% or more if you can meet the requirements. The best car insurance companies and some of their more popular discounts are shown below.
- State Farm has discounts for driver’s education, accident-free, safe vehicle, defensive driving training, and good driver.
- American Family discounts include air bags, good student, good driver, multi-vehicle, defensive driver, and early bird.
- GEICO offers premium reductions for anti-lock brakes, multi-policy, good student, five-year accident-free, daytime running lights, seat belt use, and military active duty.
- 21st Century offers discounts for student driver, theft prevention, defensive driver, good student, and 55 and older.
- Progressive policyholders can earn discounts including homeowner, multi-policy, online quote discount, good student, and continuous coverage.
The chart below illustrates the difference between insurance costs with and without discounts applied to the policy premium. The data assumes a male driver, a clean driving record, no at-fault accidents, Maryland state minimum liability limits, comprehensive and collision coverage, and $1,000 deductibles.
The first bar for each age group shows the average rate with no discounts. The second shows the rates with homeowner, marriage, safe-driver, multiple policy, vehicle safety, and defensive driving course discounts applied. When drivers take advantage of discounts, the average amount saved each year on car insurance for safe drivers is 28% or $513.
How accidents and tickets impact rates
In a perfect world, the ideal way to score low car insurance prices in Baltimore for good drivers is to be a cautious driver and avoid accidents and traffic violations. The diagram below highlights how speeding tickets and at-fault fender-benders raise car insurance costs for different categories of driver ages. The premium estimates are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied.
In the chart above, the average cost of a car insurance policy in Maryland per year with no violations or accidents is $1,641. Get written up for two speeding tickets and the average cost jumps to $2,334, an increase of $693 each year. Then throw in one accident along with the two speeding tickets and the annual cost of car insurance for safe drivers goes up to an average of $3,023. That’s an increase of $1,382, or $115 per month, just for not being a responsible driver!
Tips for buying more affordable auto insurance for safe drivers
The list below shows a few penny-pinching solutions that can help Maryland drivers quote low-cost car insurance.
- Older vehicles may not need full coverage
- Higher credit scores may earn you cheaper rates
- Keep your driving record clean
- Higher deductibles mean lower rates
- Choose a safer vehicle and pay lower rates
- Avoid preventable accidents
- Shop your coverage around for the best deal
The last item on the list is extremely important, as we hit on in this write-up. Insurance rates in Baltimore adjust often, so don’t be unwilling to buy from a new company if a better deal can be had.
Many drivers have brand loyalty and that’s fine, but it’s not recommended if that inflexibility results in costing you a considerable chunk of change every month. If you have a few minutes, now is a great time to shop around and find cheaper insurance for safe drivers.