Cheapest car insurance in Baltimore, Maryland

Maryland requires minimum liability coverage of 30/60/15, plus uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Maryland →

Pulled directly from carrier rate filings for this city.

With 568,271 residents, Baltimore sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 45% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 35% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $186.00
02 GEICOFiled rate, credit/record adjusted $215.76
03 TravelersFiled rate, credit/record adjusted $270.32
04 Erie InsuranceFiled rate, credit/record adjusted $316.20
05 ProgressiveFiled rate, credit/record adjusted $321.16
06 State FarmFiled rate, credit/record adjusted $333.56
07 NationwideFiled rate, credit/record adjusted $336.04
Rate explainer
Why is your best rate $186.00 and not $209.31?

Baltimore is priced against 7 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full +$18.69
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$54.72
Driving record, Clean (modeled) +$0.00
About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.