One of the more important factors that are used to help calculate the amount you pay for auto insurance is your zip code. Areas with more people or more claims tend to have more expensive car insurance rates, whereas areas that tend to be more rural benefit from having to pay less for coverage.
The information below sorts the priciest cities in Maryland for high mileage drivers in which to buy car insurance. Baltimore shows up at #1 with an annual rate of $1,742 for coverage, which is around $145 each month.
|23||Bel Air South||$1,186|
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Rates are estimated as the specific area where the vehicle is garaged can modify prices considerably.
The type of vehicle you are buying coverage for is one of the largest considerations when quoting economical car insurance for high mileage drivers. Vehicles with lower performance, a plethora of safety features, or a positive history of liability claims will cost quite a bit less to insure than high performance models.
The information below showcases insurance costs for a handful of the most affordable vehicles to insure in Maryland.
|Insured Vehicle||Estimated Cost for Full Coverage|
|Ford Escape XLS 2WD||$2,261|
|Hyundai Elantra GLS Touring Station Wagon||$2,268|
|Toyota Tacoma 4WD||$2,541|
|Honda CR-V LX 4WD||$2,593|
|Toyota RAV4 Limited 4WD||$2,681|
|Chevrolet Malibu Hybrid||$2,690|
|Ford Explorer Limited 4WD||$2,733|
|Ford F-150 FX4 4WD||$2,741|
|Kia Optima LX||$2,873|
|GMC Sierra SLT Crew Cab 2WD||$2,878|
|Jeep Wrangler Sahara 4WD 2-Dr||$2,910|
|Dodge Ram Crew Cab ST 4WD||$2,924|
|GMC Sierra 3500HD SLE Regular Cab 2WD||$2,929|
|Chevrolet Silverado 3500HD LT Crew Cab 2WD||$2,924|
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Data based on 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, safe-driver, homeowner, and claim-free. Estimates do not factor in Baltimore, MD location which can alter insurance rates significantly.
Based on these rates, we can expect makes and models like the Ford Escape, Hyundai Elantra, Toyota Tacoma, and Honda CR-V are some of the most economical vehicles to insure for high mileage drivers.
Trying to buy reasonably-priced auto insurance is not the easiest thing to do, and figuring out which insurers offer the cheapest car insurance rates for high mileage drivers takes even more shopping around. Every car insurance company uses a slightly different approach for determining rates in each state, so let’s take a look at the car insurance companies with the most affordable rates in Baltimore.
Find Cheaper Car Insurance in Maryland
|Rank||Company||Cost Per Year|
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USAA has some of the best car insurance rates in Baltimore at around $930 each year. Penn National, Liberty Mutual, Erie, and State Auto would also make the list of some of the cheaper Baltimore, MD insurance companies.
In this example, if you are a policyholder with Penn National and switched to USAA, you could earn a yearly savings of in the neighborhood of $174. Customers with Liberty Mutual may save as much as $195 a year, and Erie customers might cut rates by $231 a year.
Remember that these premium estimates are averages for all drivers and vehicles in Maryland and do not factor in an exact zip code location for high mileage drivers. So the auto insurance company that can offer you the best rate may not even be in the top 16 companies shown above. That’s why you need to get quotes using your own individual information.
How accidents and tickets impact rates
In a perfect world, the ideal way to maintain low car insurance premiums in Baltimore for high mileage drivers is to drive cautiously and have a clean driving record. The diagram below illustrates how speeding tickets and at-fault fender-benders can affect annual premium costs for different age groups. The premiums are based on a married female driver, full physical damage coverage, $250 deductibles, and no discounts are applied to the premium.
In the example above, the average cost of car insurance in Maryland per year with a clean driving record and no accidents is $1,641. Add in two speeding tickets and the average cost surges to $2,334, an increase of $693 each year. Then add one accident along with the two speeding tickets and the yearly cost of car insurance for high mileage drivers increases to an average of $3,023. That’s an increase of $1,382, or $115 per month, just for being a less-than-perfect driver!
Picking the top car insurance company can be difficult considering how many companies sell insurance in Baltimore. The ranking data listed below could help you choose which auto insurance companies you want to consider when comparing auto insurance rates for high mileage drivers. The ratings below are only made up of insurance companies that insure vehicles in the majority of U.S. states, so companies that focus mainly on Maryland business are not taken into consideration for the list.
Top 10 Major Auto Insurance Providers in Baltimore Ranked by Claims Service
- State Farm
- Liberty Mutual
- American Family
- Titan Insurance
- AAA Insurance
Top 10 Major Auto Insurance Providers Overall in Baltimore
- AAA Insurance
- State Farm
- The Hartford
- Safeco Insurance
- American Family
Discounts on Baltimore auto insurance
Insurance companies that offer cheap quotes for high mileage drivers may provide discounts that may potentially lower prices by as much as 35% if you meet specific criteria. Large car insurance companies and some of their more popular discounts can be found below.
- Progressive includes discounts for good student, multi-vehicle, continuous coverage, homeowner, online signing, online quote discount, and multi-policy.
- SAFECO offers premium reductions for anti-theft, teen safe driver, safe driver, teen safety rewards, anti-lock brakes, and bundle discounts.
- American Family has discounts for bundled insurance, defensive driver, early bird, accident-free, TimeAway discount, Steer into Savings, and mySafetyValet.
- MetLife has savings for multi-policy, good driver, defensive driver, claim-free, accident-free, and good student.
- GEICO policyholders can earn discounts including emergency military deployment, anti-theft, daytime running lights, defensive driver, air bags, and multi-policy.
- The Hartford may have discounts that include vehicle fuel type, good student, defensive driver, anti-theft, air bag, and bundle.
The example below illustrates the difference between car insurance costs with and without policy discounts. The data assumes a male driver, no accidents, no driving violations, Maryland state minimum liability limits, comp and collision included, and $500 deductibles. The first bar for each age group shows the average annual price with no discounts. The lower bar shows the rates with marriage, homeowner, vehicle safety, safe-driver, accident-free, and claim-free discounts applied. In this example, theaverage yearly reduction on car insurance for high mileage drivers is 28% or $722.