Minimum auto insurance coverage in Baltimore costs about 120% more than the national average, so it pays to compare rates and shop around for cheap companies. We at Guides Auto Team rated it The best car insurance companies on a variety of factors including cost. In this article, we’ll show you where to find cheap fares in Baltimore based on your driver profile.
- Minimum coverage is the cheapest type of auto insurance in Baltimore.
- Good drivers can find coverage for as low as $60 per month or full coverage as low as $142 per month in the city.
- USAA offers the cheapest minimum coverage policies on average, and Geico is often the least expensive option for full coverage.
Best cheap auto insurance companies in baltimore
Our top five picks for auto insurance in Baltimore are USAA, Geico, State Farm, Travelers, and Erie. Not only do these companies offer below-average rates for minimum and full-city coverage, but they also have a solid reputation for customer service and high-quality coverage.
How much is auto insurance in Baltimore?
Our data shows that insurance costs are minimally covered in Baltimore $115 per month or $1,380 per year in the middle. This is about 120% more than the national average of $52 per month or $627 per year. Likewise, full coverage insurance costs $217 per month or $2,604 per year On average, it’s about 30% more expensive than the national average of $167 per month or $2,008 per year for full coverage.
Cheapest auto liability insurance in baltimore
USAA offers cheaper Liability insurance average rates $60 per month or $716 per year. However, USAA is only available to military personnel and veterans as well as their spouses and children. Geico is the second cheapest option in Baltimore with average prices of $63 per month or $758 per year.
Liability coverage is the minimum coverage required by the state of Maryland and includes bodily injury liability, property damage liability and coverage for insured/uninsured drivers.
Cheapest full coverage car insurance in Baltimore
Comprehensive car insurance It can be pricey in Baltimore. Full liability coverage is a plus full insurance And Collision insurance, which protect against damage to your vehicle in a variety of situations. Geico is the cheapest full coverage option with average prices $142 per month or $1,708 a year. We found that USAA and Traveler offer similar average auto insurance rates, though costs are significantly higher then relative to other companies.
Baltimore auto insurance quotes through driver profile
Many factors affect auto insurance rates, and the cheapest company for one driver may not be the cheapest for another. In this section, we’ll look at the cost of auto insurance in Baltimore based on the driver’s age, credit score, and driving history. Baltimore has a few zip codes with different average car insurance costs, so we’ll look at those as well.
Cost of auto insurance in Baltimore by age
Teens pay the highest rates for car insurance coverage because they are more likely to get into an accident or violate traffic laws. Our data shows that 16-year-olds pay for it $415 per month or $4,984 per year Auto Insurance Baltimore.
The average cost of auto insurance declines as drivers enter their twenties and continues to fall throughout middle life. Below, you can see some average minimum coverage auto insurance costs in Baltimore for a variety of age groups.
Cheapest car insurance in Baltimore: Teen drivers
Car insurance for teens Expensive, but some providers tend to be more affordable than others. Our data shows that Geico is the cheapest auto insurance company for teen drivers with minimum coverage rates as low as $219 per month or $2,633 per year. Erie, USAA, and Traveller also offer affordable rates for teens in Baltimore.
Baltimore auto insurance cost by credit score
Most states allow auto insurers to use credit scores to determine premiums, including Maryland. People with poor credit scores pay more for auto insurance and vice versa.
Cheapest Car Insurance in Baltimore: Double Credit
Our pricing data shows that Geico is the cheapest option for Bad credit car insurance in Baltimore. The company offers minimum coverage policies for drivers with poor credit $82 per month or $978 per year in the middle. This is even cheaper than the state’s general average for minimum coverage for good credit.
Cost of auto insurance in Baltimore by driving record
Drivers with speeding tickets, accidents, or a DUI on their records can expect to increase their auto insurance premiums. On average, speed can increase your rates by 24%, crash by 58% and DUI by 69%.
The average price increase varies by company. We’ve found Geico to be the best company if you have any irregularities on your driving record. The table below shows average rates by company for drivers who have a speeding ticket, accident, or DUI on their record.
Cheapest Car Insurance in Baltimore: Speeding Ticket
Let’s break things down a bit more. According to our data, USAA offers the cheapest fares to drivers who have a speeding ticket on their record – $71 per month or $853 per year. Geico follows closely behind with an average monthly price of $74, while Travelers, Erie and State Farm round up their top five cheap options. Motor vehicle speeding ticket insurance in Baltimore.
Cheapest car insurance in baltimore: accident to fault
An accident wrong with your driving record can raise prices more than a speeding ticket. Geico and USAA are the cheapest options here with prices of approx $100 per month in the middle. You can see that some car insurance companies charge two to three times that amount for coverage after an accident.
Cheapest car insurance in Baltimore: DUI
DUI is a serious offense that can increase auto insurance rates in Baltimore by hundreds annually. The good news is that Geico is very cheap compared to other companies – they offer average prices $82 per month or $978 per year For drivers with a DUI. Erie, Travelers, and State Farm are also good options with prices under $130 per month, on average.
Cost of auto insurance in Baltimore by zip code
Different parts of town have varying insurance claims rates, which affects what you pay for insurance. Below, you can see some Baltimore zip codes that can be up to 15% cheaper or 15% more expensive than the city average.
Cheap Car Insurance in Baltimore: Conclusion
While motor vehicle coverage in Baltimore is 51% higher than Maryland auto insurance And 120% above the national average, there are still cheap providers to shop from. USAA offers the cheapest minimum coverage in town at about $60 a month. For those who don’t qualify for the USAA program, Geico also offers very affordable rates for Baltimore drivers at $63 per month.