Who Has Cheap Auto Insurance for Uninsured Drivers in Baltimore?

In an ideal world, we could just tell you the exact car insurance company that is cheapest in Maryland. Regrettably, it’s not quite that easy, as there are a whole slew of unknown aspects like the number of miles you drive each year, if you have ever had a coverage lapse, and if you want full coverage. We will try to teach you about the things that influence insurance rates and hopefully give you enough understanding to have a good beginning to your quest for cheaper car insurance in Maryland.

Finding reliable, affordable insurance is difficult, and figuring out which companies offer the lowest-priced auto insurance rates for uninsured drivers calls for a bit more work. Every auto insurer has a different process for determining prices, so let’s begin by taking a look at the most affordable auto insurance companies in Baltimore, MD.

It’s a good idea to be aware that Maryland auto insurance rates are determined by lots of factors which can substantially decrease or increase your annual premium. That is why drivers need to shop around when trying to get affordable car insurance rates for uninsured drivers. Insurance rates consist of many factors and can increase or decrease at any time, so the cheapest rate six months ago may now be quite expensive.

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Who has the cheapest car insurance in Maryland?
Rank Company Cost Per Year
1 USAA $958
2 Penn National $1,104
3 Liberty Mutual $1,114
4 Erie $1,127
5 State Auto $1,190
6 Amica $1,308
7 Nationwide $1,393
8 Travelers $1,398
9 MetLife $1,414
10 GEICO $1,486
11 California Casualty $1,529
12 Allstate $1,596
13 State Farm $1,696
14 Progressive $2,149
15 Encompass $2,592
16 Victoria $3,023
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USAA quotes some of the best car insurance rates in Baltimore at around $958 each year. This is $601 less than the average rate paid by Maryland drivers of $1,559. Penn National, Liberty Mutual, Erie, and State Auto also are some of the best Baltimore, MD auto insurance companies.

As shown in the table above, if you are a customer of Liberty Mutual and switched to USAA, you may see annual savings of around $156. Maryland drivers with Erie might save as much as $169 a year, and State Auto policyholders might cut rates by $232 a year.

To compare your rates to other Maryland insurance companies, click here or visit any of the companies below.

Be aware that those estimates are averaged for all ages of drivers and types of vehicles and and are not figured with a vehicle location for uninsured drivers. So the company that can offer you the lowest price may not even be in the list above. That is why you need to get rate quotes from many companies using your own driver data and vehicle information.

The vehicle you are buying coverage for is probably the biggest factor that determines whether or not you can buy low-priced car insurance for uninsured drivers. Vehicles with lower acceleration and performance, advanced safety features, or a positive history of liability claims will cost quite a bit less to insure than fast, unsafe models. The information below outlines auto insurance costs for a selection of the most affordable vehicles to buy insurance for.

Cheapest Vehicles to Insure in Baltimore, MD
Vehicle Insured Estimated Cost for Full Coverage
Ford Escape XLT 2WD $2,439
Honda CR-V LX 2WD $2,447
Honda Accord EX 4-Dr Sedan $2,671
Dodge Grand Caravan Hero $2,886
GMC Sierra SLE Crew Cab 2WD $2,891
Jeep Wrangler Unlimited Sport 2WD 4-Dr $2,917
Ford Edge SE 2WD $2,928
Toyota Prius $2,967
Hyundai Elantra SE Touring Station Wagon $2,974
Nissan Altima 3.5 SR 4-Dr Sedan $3,093
Ford F-150 FX2 Super Cab 2WD $3,100
Toyota RAV4 4WD $3,164
Volkswagen Jetta SE 2.5 Station Wagon $3,199
Toyota Tacoma Double Cab TRD Off-Road Package 4WD $3,224
Chevrolet Equinox LT 2WD $3,252
Chevrolet Malibu Hybrid $3,261
Ford Focus SEL 4-Dr Sedan $3,273
Kia Optima SX $3,297
Toyota Camry Hybrid $3,302
Chevrolet Silverado Crew Cab Hybrid 4WD $3,308
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Prices above based on single male driver age 30, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include safe-driver, claim-free, homeowner, multi-policy, and multi-vehicle. Estimates do not factor in specific zip code location which can affect premiums significantly.

Based upon these rates, you can assume that vehicles like the Ford Escape, Honda CR-V, Honda Accord, Dodge Grand Caravan, and GMC Sierra are most likely to be a few of the cheaper vehicles to insure for drivers with no prior coverage.

For drivers with no prior coverage, one of the more important factors that are used to help calculate the annual cost of car insurance is your zip code in Baltimore. Areas with more people or more claims likely pay more, whereas areas with lower vehicle theft rates and fewer weather claims profit from lower rates.

The table below sorts the most expensive cities in Maryland for uninsured drivers to buy car insurance in. Baltimore is listed at #1 with an annual cost of $1,796 for the average policyholder, which is about $150 each month.

How much does car insurance cost in Baltimore, MD?
Rank City Average Per Year
1 Baltimore $1,796
2 Woodlawn $1,674
3 Towson $1,527
4 Dundalk $1,490
5 Catonsville $1,460
6 Silver Spring $1,460
7 Bowie $1,446
8 Waldorf $1,431
9 Aspen Hill $1,420
10 Essex $1,416
11 Glen Burnie $1,383
12 Wheaton $1,361
13 Gaithersburg $1,317
14 Germantown $1,287
15 Severn $1,275
16 Potomac $1,274
17 Rockville $1,251
18 Columbia $1,238
19 Ellicott City $1,233
20 Annapolis $1,231
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Rate quotes are comparative as the specific area where the vehicle is garaged can decrease or increase auto insurance rates noticeably.

Cost of full coverage in Baltimore

Reducing the cost of auto insurance should be important to the majority of vehicle owners, and a good way to find cheaper insurance for uninsured drivers is to only buy liability coverage. The diagram below shows the comparison of auto insurance costs with and without full coverage. The premiums are based on no accidents, no driving violations, $100 deductibles, single status, and no other discounts are factored in.

As an average for all age groups, physical damage coverage costs $2,323 per year more than just insuring for liability. That raises the question when is the right time to remove full coverage. There is no clear-cut rule of when to phase out comp and collision coverage, but there is a general school of thought. If the annual cost of coverage is more than about 10% of the settlement you would receive from your company, then you may want to consider only buying liability coverage.

For example, let’s pretend your vehicle’s claim settlement value is $5,500 and you have $1,000 physical damage deductibles. If your vehicle is severely damaged, the most you would receive is $4,500 after paying the physical damage deductible. If you are paying in excess of $450 annually to have full coverage, the it may be a good time to stop paying for full coverage.

The diagram below illustrates how your choice of deductibles can increase or decrease insurance premiums when getting quotes for cheap insurance for uninsured drivers. The premiums are based on a single male driver, full coverage, and no other discounts are factored in.

A 30-year-old driver could lower their policy premium by $524 a year by switching their comprehensive and collision coverages from a $100 deductible to a $500 deductible, or save $788 by using a $1,000 deductible. Youthful drivers, such as the 20-year-old chart data, could potentially save as much as $1,540 every year by selecting a higher deductible.

If you do raise deductibles, it will be important to have enough in a savings account to enable you to pay the extra out-of-pocket expense, which is the main disadvantage of using high deductibles.

Get discount Baltimore car insurance rates

Save on auto insurance for drivers with no prior coverage in BaltimoreInsurance providers that offer quotes for uninsured drivers may provide rate discounts that can reduce rates by as much as 30% if you are eligible. The best auto insurance companies and their offered discounts are:

The chart below illustrates the comparison of premium costs with and without discounts being applied to the rates. The rates are based on a male driver, no driving violations, no at-fault accidents, Maryland state minimum liability limits, full physical damage coverage, and $1,000 deductibles.

The first bar for each age group shows the price with no discounts. The lower bar shows the rates with multiple vehicle, vehicle safety, accident-free, homeowner, multiple policy, and claim-free discounts applied. When drivers take advantage of discounts, theaverage amount saved on auto insurance for uninsured drivers is 28% or $475.

Ideas for buying more affordable car insurance for uninsured drivers

It is possible to find better rates, and here are some money-saving solutions that can help Baltimore drivers find lower-cost auto insurance.

That last piece of advice is highly valuable, as we noted in this write-up. Auto insurance rates in Baltimore fluctuate constantly, so drivers shouldn’t hesitate to change to a new company if a lower price can be found. Loyalty to a specific company is fine, but it’s not a great idea if your bullheadedness ends up costing you a small fortune year after year. If you have a few minutes, compare rates to find cheaper car insurance for uninsured drivers.

The Baltimore car insurance agencies listed below can answer your questions and help you decide which coverage fits your budget, since lots of drivers aren’t clear which coverage they need and would like to get help from a professional when shopping for cheaper insurance for uninsured drivers. It can be time-consuming to find the best rates on your own, and insurance agents licensed in the state of Maryland can provide comfort knowing your policy gives you adequate protection in case of an accident or claim. To find an auto insurance agency closest to you, click the button after the list or click here to compare price quotes now.

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