Who Has Cheap Car Insurance Rates for Nurses in Baltimore?

The words “affordable” and “insurance” really should not be used together, especially when you are shopping around for the best car insurance rates for nurses. Because it’s not cheap, let’s open your eyes to a few of the factors that impact car insurance prices, and figure out some ideas to lower the cost of the next policy you buy.

For health professionals, one of the more important criteria that aid in calculating the price you pay for insurance is where you keep your car. Areas with more people or more claims tend to have higher rates, whereas areas with fewer weather claims and lower vehicle theft rates receive better rates.

The table below rates the most expensive cities in Maryland for nurses to purchase car insurance in. Baltimore comes in at #1 costing $1,796 for the average policyholder, which is around $150 monthly.

How much does auto insurance cost in Baltimore?
Rank City Annual Rate
1 Baltimore $1,796
2 Woodlawn $1,657
3 Dundalk $1,550
4 Catonsville $1,475
5 Essex $1,474
6 Towson $1,467
7 Aspen Hill $1,435
8 Waldorf $1,431
9 Silver Spring $1,417
10 Bowie $1,404
11 Wheaton $1,361
12 Glen Burnie $1,329
13 Rockville $1,290
14 Ellicott City $1,283
15 Gaithersburg $1,278
16 Columbia $1,275
17 Severn $1,275
18 Potomac $1,274
19 North Bethesda $1,256
20 Bethesda $1,252
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Information shown are estimated as specific Baltimore zip code can increase or decrease coverage rates noticeably.

The type of vehicle needing coverage is a significant factor that determines whether or not you find low-cost car insurance for nurses. Vehicles with lots of horsepower, a lack of safety features, or a history of substantial liability claims will cost more to insure than safer, lower-performance models. The list below features auto insurance premiums for a handful of the most affordable vehicles to buy coverage for.

Cheapest Vehicles to Insure in Baltimore, MD
Make and Model Estimated Cost for Full Coverage
Honda CR-V EX 2WD $2,335
Dodge Grand Caravan CV $2,620
Jeep Grand Cherokee Laredo 2WD $2,766
Chevrolet Impala LT $2,776
Honda Accord LX-P 4-Dr Sedan $2,870
GMC Sierra SL Crew Cab 2WD $2,960
Toyota Prius $2,967
Ford Fusion SE 4-Dr Sedan $2,960
Ford F-150 Lariat King Ranch 4WD $3,016
Ford F-350 XL Super Cab Turbo Diesel 2WD $3,068
Hyundai Elantra SE Touring Station Wagon $3,120
Ford Escape Limited 4WD $3,126
Ford F-250 XL Cabela Package 2WD $3,161
Kia Optima SX $3,170
Toyota Camry Hybrid $3,161
Chevrolet Malibu Hybrid $3,168
Honda Civic DX 2-Dr Coupe $3,245
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Premium data assumes single female 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. Premium costs do not factor in Baltimore, MD location which can increase or decrease coverage rates noticeably.

Looking at the rates, we can tell that models like the Honda CR-V, Dodge Grand Caravan, and Jeep Grand Cherokee are going to be some of the less-costly vehicles to insure for health professionals.

Insurance rates are higher with tickets and accidents

The recommended way to obtain the best insurance premiums in Maryland for health professionals is to be a safe driver and avoid at-fault accidents and violations. The diagram below illustrates how traffic citations and fender-benders can increase car insurance costs for different categories of driver ages. The information is based on a single male driver, comprehensive and collision coverage, $1,000 deductibles, and no other discounts are factored in.

In the prior example, the average cost of car insurance per year with a clean driving record and no accidents is $2,269. Get written up for one speeding ticket and the average cost surges to $2,563, an increase of $294 each year. Then add in one accident along with the one speeding ticket and the yearly cost of insurance for nurses jumps again to an average of $3,382. That’s an increase of $1,112, or $93 per month, just for not maintaining a clean driving record!

How to get discounts on Baltimore auto insurance rates

Save on insurance for health professionals in BaltimoreCar insurance companies that sell policies for nurses may provide price discounts that could potentially reduce rates by 30% or more if you are eligible. Large insurance companies and their offered discounts are detailed below.

The diagram below shows the comparison of car insurance rates with and without policy discounts. The price estimates are based on a male driver, a clean driving record, no claims, Maryland state minimum liability limits, full physical damage coverage, and $100 deductibles.

The first bar for each age group shows the average annual price with no discounts. The second bar shows the rates with multiple policy, vehicle safety, anti-theft, homeowner, multiple vehicle, and claim-free discounts applied. When discounts are factored in, theaverage yearly reduction on insurance for nurses is 28% or $642.

The benefit of shopping around

Baltimore insurance rates are calculated based on many things which can significantly increase or decrease your annual premium. Simply improving your credit, having a teen driver, or getting a speeding ticket can trigger rate changes resulting in some rates now being much cheaper than others. Additionally, companies change premium rates at least once a year in order to maintain liquidity for claims. Higher than normal claims can result in higher rates, while profitable underwriting can cause more affordable Baltimore car insurance rates.

For instance, the graph below shows rates for the cheapest car insurance in Baltimore, MD for a 40-year-old female driver with a clear driving record, no claims, and a high credit rating. When quoting prices based on her personal risk profile, USAA quotes the lowest car insurance rates in Baltimore at $1,613 annually. This is $54 more than the average policy premium paid by Maryland drivers of $1,559. Liberty Mutual, Penn National, Erie, and State Auto also make the list of the most affordable Baltimore, MD auto insurance companies.

The example below compares rates after we give the driver in the first example a claim or two, a lower credit rating, and a stop sign violation. Since every car insurance company has their own guidelines for establishing rates, analyzing rate quotes may now present a different ranking of companies as shown below.

MetLife now has the best insurance rate in Baltimore, MD with Travelers, Nationwide, GEICO, and Liberty Mutual completing the list. This example illustrates why Baltimore drivers need to shop around with many companies when trying to get cheap auto insurance quotes for nurses.

Insurance prices are influenced by many things and can change substantially, so the best price the last time you compared rates may now be quite expensive.