How to find cheaper Baltimore car insurance rates

The best way we recommend to find cheaper prices for car insurance rates is to do a yearly price comparison from companies that insure vehicles in Baltimore. Prices can be compared by following these guidelines.

An important note is to make sure you're comparing the same liability limits and deductibles on each price quote and and to analyze every company you can. Doing this guarantees a fair price comparison and the best price selection.

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Baltimore, Maryland Car Insurance Company Rankings
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
Mercury Insurance 97 96 88 89% A+ 93.4
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
Liberty Mutual 79 87 95 78% A 85.3
Farmers Insurance 77 80 80 84% A 80.3
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Impact of violations and accidents on rates in Baltimore

The example below shows how speeding tickets and accidents can impact yearly insurance costs for different categories of driver ages. Data assumes a single male driver, full coverage, $250 deductibles, and no discounts are applied to the premium.

Getting the cheapest price on auto insurance coverage is dependent on a lot of factors, but the average cost for a policy in Baltimore is $1,258 per year. The average for other states is around $1,224, so Baltimore drivers pay roughly $34 more each year than drivers in other states.

Car insurance rates are calculated based on many factors, and one of the largest components is the type of vehicle you own. The rate table below details insurance cost for the best selling vehicles bought in Baltimore.

Auto Insurance Rates for Popular Cars in Baltimore
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Malibu LS $1,586 $793 $132
Ford Focus SE 2-Dr Coupe $1,778 $889 $148
Ford Fusion Sport 4-Dr Sedan $1,734 $867 $145
Hyundai Elantra Blue 4-Dr Sedan $1,654 $827 $138
Hyundai Sonata GLS 4-Dr Sedan $1,670 $835 $139
Nissan Altima 2.5 S 4-Dr Sedan $1,694 $847 $141
Toyota Camry Hybrid $1,818 $909 $152
Toyota Corolla S $1,694 $847 $141
Volkswagen Jetta SE 4-Dr Sedan $1,734 $867 $145
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Prices based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-policy, safe-driver, multi-vehicle, homeowner, and claim-free. Rate quotes do not factor in specific Baltimore garaging location which can revise prices considerably.

Car Insurance Rates for Popular Pickup Trucks in Baltimore
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Chevrolet Colorado LT Crew Cab 2WD $1,546 $773 $129
Chevrolet Silverado 3500HD LT Crew Cab Diesel 2WD $1,920 $960 $160
Chevrolet Silverado Crew Cab Hybrid 4WD $1,880 $940 $157
Dodge Ram Quad Cab Sport 2WD $1,856 $928 $155
Ford F-150 XL Super Cab 4WD $1,478 $739 $123
GMC Canyon SLE Ext Cab 2WD $1,546 $773 $129
GMC Sierra 2500HD SLT Extended Cab 4WD $1,842 $921 $154
GMC Sierra SL Extended Cab 2WD $1,586 $793 $132
Toyota Tacoma Double Cab TRD Sport Package 4WD $1,626 $813 $136
Toyota Tundra Double Cab 4WD $1,710 $855 $143
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Table data represents single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, safe-driver, multi-policy, claim-free, and homeowner. Price estimates do not factor in the specific area where the vehicle is garaged which can raise or lower price quotes substantially.

Auto Insurance Rates for Popular SUVs and Crossovers in Baltimore
Make, Model, and Trim Level Annual Cost Semi-Annual Cost Monthly Cost
Acura MDX with Tech/Entertainment 4WD $1,772 $886 $148
Buick Enclave CX AWD $1,734 $867 $145
Chevrolet Traverse LS AWD $1,416 $708 $118
Ford Escape XLT 4WD $1,376 $688 $115
Ford Explorer Limited 4WD $1,626 $813 $136
GMC Acadia SLT AWD $1,626 $813 $136
GMC Terrain SLE AWD $1,484 $742 $124
Honda CR-V EX-L 2WD $1,376 $688 $115
Honda Fit $1,318 $659 $110
Honda Pilot LX 2WD $1,478 $739 $123
Jeep Grand Cherokee SRT-8 4WD $1,734 $867 $145
Lexus RX 350 4WD $1,964 $982 $164
Nissan Pathfinder LE 2WD $1,626 $813 $136
Toyota Highlander Hybrid Limited 4WD $1,772 $886 $148
Toyota RAV4 Sport 2WD $1,586 $793 $132
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Data based on single male driver age 40, no speeding tickets, no at-fault accidents, $250 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, claim-free, multi-policy, safe-driver, and homeowner. Rates do not factor in your specific Baltimore location which can modify prices noticeably.

Top 10 cheapest vehicles to insure in Baltimore, MD
Honda Fit
Hyundai Accent
Mini Cooper
Honda Accord
Kia Rondo
Mazda MX-5 Miata
Ford Escape
Chrysler PT Cruiser
Hyundai Elantra
Honda CR-V
Top 10 most expensive vehicles to insure in Baltimore, MD
Mercedes-Benz CL65 AMG
Mercedes-Benz S65 AMG
Audi R8
Mercedes-Benz CL600
Mercedes-Benz CL63 AMG
BMW 760L
Mercedes-Benz S600
BMW M6
Mercedes-Benz S63 AMG
Mercedes-Benz CL550
Top 10 safest vehicles to insure in Baltimore, MD
GMC Sierra 2500HD
GMC Sierra
Chrysler Town and Country
Chevrolet Colorado
GMC Acadia
Toyota FJ Cruiser
Toyota Tacoma
Nissan Titan
Chevrolet Silverado 2500HD
Infiniti QX56

Car insurance is not optional but you don't have to overpay

Even though it's not necessarily cheap to insure a vehicle in Baltimore, maintaining insurance is required in Maryland but also provides important benefits.

First, most states have minimum mandated liability insurance limits which means you are required to carry specific minimum amounts of liability insurance coverage in order to be legal. In Maryland these limits are 30/60/15 which means you must have $30,000 of bodily injury coverage per person, $60,000 of bodily injury coverage per accident, and $15,000 of property damage coverage.

Second, if you took out a loan on your vehicle, most lenders will have a requirement that you have comprehensive coverage to protect their interest in the vehicle. If you cancel or allow the policy to lapse, the bank will be required to insure your vehicle for a lot more money and force you to pay much more than you were paying before.

Third, car insurance preserves not only your vehicle but also your assets. It will also provide coverage for medical transport and hospital expenses for not only you but also any passengers injured in an accident. Liability coverage also pays expenses related to your legal defense if anyone sues you for causing an accident. If your car is damaged in a storm or accident, collision and comprehensive coverages will pay to restore your vehicle to like-new condition.

The benefits of carrying enough insurance definitely exceed the cost, particularly for liability claims. The average driver in America overpays as much as $820 a year so you should quote your policy with other companies every year to save money.