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.
- Step 1: Try to understand how insurance companies determine prices and the things you can control to keep rates down. Many rating criteria that are responsible for high rates such as traffic citations and an imperfect credit score can be rectified by making minor changes in your lifestyle. Continue reading for ideas to get better rates and find discounts that you may qualify for.
- Step 2: Compare rates from direct, independent, and exclusive agents. Direct companies and exclusive agencies can only give rate quotes from one company like GEICO and Allstate, while independent agents can quote prices for a wide range of companies. Compare rates
- Step 3: Compare the new rate quotes to your current policy premium and see if you can save money. If you find a lower rate quote and make a switch, make sure coverage does not lapse between policies.
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.
AUTO INSURANCE FACT
Brand loyalty may be costing you hundreds every year. Compare rates now and save.
| 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 |
| Compare Rates Now Go | ||||||
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.
| 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 |
| Get a Custom Quote for Your Car Go | |||
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.
| 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 |
| Get a Custom Quote for Your Truck Go | |||
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.
| 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 |
| Get a Custom Quote for Your SUV or Crossover Go | |||
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.