Who Has Cheap Baltimore Auto Insurance Quotes for Inexperienced Drivers?

Comparing rates for budget car insurance is not always easy, and deciding which company offers the cheapest insurance rates for inexperienced drivers requires even more perseverance.

Each insurance company has a proprietary formula for determining prices, so we need to take a look at the insurance companies with the most affordable rates in Baltimore. It’s important to know that Maryland insurance rates are influenced by many factors that may substantially change the cost of coverage. Simply turning a year older, increasing deductibles, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than competitors.

Lowest Insurance Price Quotes for Newbies

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USAA generally has some of the lowest car insurance rates in Baltimore at around $920 each year. Erie, Liberty Mutual, Penn National, and State Auto would also be considered some of the best Baltimore, MD car insurance companies.

As illustrated above, if you have coverage with Erie and switched to USAA, you could earn an annual savings of in the neighborhood of $195. Insureds with Liberty Mutual could save as much as $205 a year, and Penn National policyholders might realize rate reductions of up to $206 a year.

To compare your rates to other Maryland insurance companies, click here to begin a quote or click several companies below for low rates.

Bear in mind that those prices are averages for all drivers and vehicles in Maryland and and are not figured with a vehicle location for inexperienced drivers. So the car insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to get quotes using your own driver information and specific vehicle type.

The vehicle model to be insured is one of the largest factors when quoting low-priced auto insurance for inexperienced drivers. Vehicles with economical engines, advanced safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next table ranks coverage premiums for a handful of the most budget-friendly vehicles to insure in Maryland.

Cheapest Vehicles to Insure in Baltimore, MD
Vehicle Estimated Cost for Full Coverage
Hyundai Elantra GLS Touring Station Wagon $2,551
Chevrolet Malibu Hybrid $3,022
GMC Sierra SL Extended Cab 2WD $3,027
Toyota RAV4 Sport 4WD $3,022
Chevrolet Equinox LS 2WD $3,027
Nissan Altima 2.5 4-Dr Sedan $3,022
Dodge Grand Caravan Hero $3,030
Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr $3,128
Honda CR-V LX 2WD $3,135
Ford Escape Limited 4WD $3,175
Chevrolet Silverado LS Extended Cab 2WD $3,240
Ford F-150 XL Regular Cab 2WD $3,250
Ford Explorer XLT AWD $3,284
Chevrolet Silverado 3500HD LT Crew Cab 2WD $3,302
Ford Edge Limited 2WD $3,400
Ford Focus SES 2-Dr Coupe $3,409
Volkswagen Jetta SE 2.5 Station Wagon $3,421
Honda Accord EX-L 2-Dr Coupe $3,458
Hyundai Sonata Limited 4-Dr Sedan $3,465
Kia Optima SX $3,458
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific garaging location which can impact coverage rates greatly.

Based upon the table data, we can tell that cars like the Hyundai Elantra, Chevrolet Malibu, and GMC Sierra will be some of the cheapest vehicles to insure for new drivers.

Tickets and at-fault accidents raise rates

The ideal way to snag the best insurance prices for new drivers is to be a safe driver and have a clean driving record. The diagram below shows how traffic citations and at-fault claims drive up yearly insurance costs for different age groups of insureds. Data assumes a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.

In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,641. Receive two speeding tickets and the average cost surges to $2,334, an increase of $693 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for inexperienced drivers increases to an average of $4,882. That’s an increase of $3,241, or $270 per month, just for not being a responsible driver!

Best insurance in Baltimore

Finding a high-quality auto insurance provider is hard considering how many different companies there are to choose from in Maryland. The company rank data shown next may help you pick which companies to look at comparing rates from. The ratings below include large insurance companies, so companies with more of a regional focus are not taken into consideration for these rankings.

Best 15 Insurance Companies for Inexperienced Drivers in Maryland
Company Value Customer Service Claims Customer Satisfaction A.M Best Rating Overall Score
Travelers 93 98 99 88% A++ 95.1
USAA 83 99 100 91% A++ 94.1
AAA Insurance 91 95 92 90% A 93.3
Nationwide 85 95 97 89% A+ 92.4
Allstate 77 100 97 88% A+ 90.7
State Farm 80 94 96 88% A++ 90.6
The Hartford 88 93 91 87% A+ 90.4
Safeco Insurance 91 95 85 88% A 90.2
Progressive 88 94 83 88% A+ 90.1
American Family 91 86 95 83% A 89.7
Esurance 86 90 94 90% A+ 89.5
The General 86 93 89 84% A- 88.2
GEICO 79 89 95 87% A++ 87.8
Titan Insurance 86 82 92 86% A+ 86.5
21st Century 86 82 90 84% A 86.4
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Data Source: Insure.com Best Car Insurance Companies

The Baltimore, MD, insurance agents below can aid you in deciding which is the best policy, since lots of drivers aren’t clear which coverage they need and would like to have some advice when shopping for the best coverage for inexperienced drivers. It can be time-consuming to find the cheapest auto insurance company, and insurance agents licensed in the state of Maryland can bring peace of mind knowing your policy gives you adequate protection in case of an accident or claim. To find a Baltimore insurance agent close to where you live, click the button link following the list.

View map of Baltimore, MD insurance agents

How to find cheaper insurance for inexperienced drivers

Lowering your rates is not difficult, and here are some of the recommended money-saving suggestions that can help drivers locate lower-cost auto insurance.

The last suggestion is very vital, as was noted in the prior information. Coverage rates change frequently, so don’t hesitate to buy a policy from a new company if a better deal can be had.

Brand loyalty is not necessarily bad, but it isn’t a good idea if that devotion results in you overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for inexperienced drivers in Baltimore.