Cheapest car insurance companies in Baltimore 

Geico and Travelers offer the cheapest car insurance rates in Baltimore for 2023, according to a study by Insurance.com.

Geico is the cheapest option for most Baltimore drivers, with an average annual rate of $1,730

The cost of car insurance in Baltimore varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.

Here’s a list of insurance companies offering affordable premiums to drivers in Baltimore.

CompaniesAverage annual rates
USAA$1,477
Geico$1,730
Travelers$2,063
Nationwide$2,283
Kemper Insurance$2,287
Erie Insurance$2,536
Progressive$2,562
Penn National Insurance$2,900
State Farm$3,340
Allstate$3,954
Data updated in 2024
Read our full methodology

Cheapest car insurance cost in Baltimore by Age Group 

The cheapest auto insurance company in Baltimore for teen drivers is USAA. For full coverage, its average annual rate for Baltimore drivers is $5,353. Insurance companies put teenagers in the category of high-risk drivers, and as a result, they are charged higher rates for insurance. 

Getting lower rates isn't easy for young drivers, but they can take some steps to increase their chances of getting affordable insurance. Many insurance companies offer good student discounts to drivers who maintain a certain grade point average (GPA). Besides, teen drivers can lower premiums by staying on their parents' insurance. 

For young drivers in Baltimore, USAA has the cheapest auto insurance rates, with an average annual cost of $2,293 annually

Drivers in Baltimore stepping into their 30s can expect a substantial drop in car insurance costs compared to their younger counterparts. USAA has the cheapest car insurance rates for a full coverage policy for adult drivers, averaging $1,472 a year

Baltimore senior drivers seeking affordable car insurance should look no further than USAA. It offers the cheapest car insurance rates for seniors, with an average annual premium of $1,452. It makes USAA a good choice for seniors who want to save money without sacrificing coverage. 

CompanyTeensYoung AdultsAdultsSeniors
USAA$5,353$2,293$1,472$1,452
Kemper Insurance$5,712$4,380$2,294$2,684
Erie Insurance$5,837$3,786$2,645$2,655
Geico$6,323$3,335$1,748$1,948
Travelers$7,653$3,267$2,105$2,446
Progressive$8,105$4,443$2,585$2,679
Allstate$8,449$6,184$4,116$4,241
Nationwide$9,092$4,532$2,305$2,255
Penn National Insurance$9,508$4,908$2,851$2,767
State Farm$9,565$5,453$3,299$3,287
Data updated in 2024
Read our full methodology

Cheapest car insurance companies in Baltimore by driver profile 

Driver profile is one of the many factors that insurers take into account to determine car insurance premiums in Baltimore. Drivers with a history of accidents or traffic citations on their record can expect significantly higher costs than those with a clean driving record.

It's important to compare insurance quotes from at least three carriers to find the cheapest insurance company in Baltimore that suits your budget. 

Below are some of the cheapest car insurance companies in Baltimore by driver profile.

If you're a Baltimore driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,810 annually

Here are car insurance carriers that offer affordable rates for drivers with poor credit scores in Baltimore.

CompanyAverage annual rates
Geico$1,810
USAA$2,296
Travelers$3,156
Nationwide$3,249
Progressive$3,461
Allstate$5,341
State Farm$5,854
Data updated in 2024
Read our full methodology

Based on recent data analysis, 30-year-old drivers in Baltimore with speeding tickets on their driving record can get the cheapest car insurance rates from USAA at an annual cost of $1,553.

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage annual premium
USAA$1,553
Geico$1,964
Travelers$2,560
State Farm$2,976
Progressive$2,999
Nationwide$3,228
Allstate$5,005
Data updated in 2024
Read our full methodology

Finding affordable car insurance rates after an at-fault accident isn't easy, but if you compare quotes, you might find a policy that fits your budget.

In a recent data analysis, Insurance.com found that USAA offers the cheapest car insurance rates for Baltimore drivers with at-fault accidents. It provides coverage at an average annual cost of $2,284.

CompanyAverage annual rates
USAA$2,284
Geico$2,543
Travelers$2,606
State Farm$3,378
Progressive$3,951
Nationwide$4,272
Allstate$6,159
Data updated in 2024
Read our full methodology

Buying car insurance doesn't have to break the bank. Geico offers the cheapest full coverage policy in Baltimore for drivers with a DUI, with an average annual premium of $2,018.

Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.

CompanyAverage annual rates
Geico$2,018
State Farm$2,976
Travelers$3,227
USAA$3,610
Progressive$3,793
Allstate$4,677
Nationwide$4,909
Data updated in 2024
Read our full methodology

Average car insurance cost in Baltimore 

In Baltimore, the average annual cost for full coverage car insurance is around $2,345, which breaks down to approximately $195 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Baltimore is about $1,045.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState minimum average
$2,345$1,045
Data updated in 2024
Read our full methodology

Methodology

Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:

  • 40-year-old male driver
  • Honda Accord LX
  • 12-mile daily commute, 10,000 annual miles
  • Good credit
  • Clean record

While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.

Rates are based on coverage limits of:

  • $100,000 bodily injury per person
  • $300,000 bodily injury per accident
  • $100,000 property damage per accident
  • $500 comprehensive and collision deductible

Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.

Compare auto insurance rates by city in Maryland