Cheapest Car Insurance in Baltimore, Maryland

Cheapest full coverage car insurance in Baltimore: Geico

Geico has the cheapest full coverage car insurance in Baltimore at $2,251 a year, or $188 a month. USAA is cheaper, but it’s only available to the military community.

State Farm is slightly more expensive for full coverage than Geico at $193 a month. However, State Farm has a better customer satisfaction rating — happier customers — from J.D. Power .

Full coverage auto insurance rates

Company		Annual rate	LendingTree score
	Geico	$2,251
	State Farm	$2,319
	Travelers	$2,528
	Erie	$2,645
	Progressive	$2,707
	Nationwide	$3,796
	Allstate	$5,503
	USAA*	$1,471

Your actual auto insurance rate depends on factors like your driving record, location and the type of car you drive. Each company treats these factors differently, and one may offer you a much lower rate than others do. This is why it’s good to compare car insurance quotes from a few different companies.

Baltimore’s cheapest liability car insurance quotes: Geico

At $100 a month, Geico has the cheapest liability insurance quotes for most Baltimore drivers. This is 12% less than the next-cheapest rate of $113 a month from State Farm.

Liability auto insurance in Baltimore includes uninsured motorist coverage. Both coverages are required by state law.

Liability auto insurance rates

Cheap car insurance for Baltimore teens: Erie

Most shoppers can find the cheapest car insurance for teens from Erie. The company charges young drivers $253 a month for liability insurance. This is 21% less than State Farm’s rate of $321 a month.

Erie charges teens $464 a month for full coverage.This is 19% less than State Farm’s rate of $572 a month.

Teen auto insurance rates

Teens’ lack of driving experience makes them more likely to be involved in an accident than older, more experienced drivers. This is one of the main reasons why teens pay so much for car insurance.

Teens usually get a cheaper rate when added to a parent’s auto policy than they do on their own.

Cheap Baltimore auto insurance with a ticket: State Farm

State Farm has the cheapest auto insurance for most Baltimore drivers with a speeding ticket at $208 a month. This is 14% less than the next-cheapest rate of $242 a month from Geico.

A speeding ticket raises the average cost of car insurance in Baltimore by 26%. However, some companies have smaller price increases. Shopping around can save you money on car insurance with a bad driving record.

Insurance rates with a speeding ticket

Best Baltimore auto insurance with an accident: State Farm

Most Baltimore drivers with an at-fault accident get the cheapest auto insurance rates from State Farm. The company charges drivers with a prior at-fault accident $235 a month, on average. This is 23% less than the second-cheapest rate of $307 a month from Travelers.

Travelers also offers accident forgiveness , which you can’t get from State Farm. Accident forgiveness won’t help you if you’ve already had an accident. However, it can protect you from a rate increase if you cause an accident in the future.

Erie, Progressive and Nationwide also offer accident forgiveness. You usually need a few years of incident-free driving before you can add accident forgiveness to your policy.

Cheap Baltimore car insurance for bad teen drivers: Erie

Most Baltimore teens with a bad driving record get the cheapest car insurance quotes from Erie. The company’s liability rates for teens with a speeding ticket average $306 a month. It charges teens with an accident $343 a month.

State Farm is the next-cheapest company for young drivers with a prior incident. Its teen liability rates average $348 a month after a ticket and $399 a month after an accident.

Teen insurance rates after a ticket or accident

Baltimore’s cheapest DUI car insurance: Erie

Erie has Baltimore’s cheapest car insurance for drivers with a DUI (driving under the influence) conviction at $255 a month. Geico has the next-cheapest DUI insurance for most drivers at $268 a month. Along with being cheaper than Geico, Erie has a better satisfaction rating.

Best auto rates after a DUI

Best for Baltimore drivers with bad credit: Geico

Most Baltimore drivers with bad credit can get the cheapest car insurance quotes from Geico. The company’s bad credit car insurance rates average $268 a month. This is 20% less than the second-cheapest rate of $336 a month from Progressive.

Bad credit car insurance rates

Best car insurance companies in Baltimore

Geico is the best company for cheap car insurance quotes with a good driving record in Baltimore. State Farm, Travelers and USAA stand out for other reasons.

Baltimore’s best car insurance

Company	J.D. Power**	AM Best	LendingTree score
Allstate	635	A+
Erie	700	A+
Geico	637	A++
Nationwide	641	A
Progressive	622	A+
State Farm	657	A++
Travelers	616	A++
USAA*	739	A++

Best for cheap rates: Geico

Geico has several car insurance discounts that make its quotes for good drivers more affordable. These include discounts for federal workers and members of more than 500 professional and academic organizations. Military service can also get you a discount from Geico.

Best for bundling: State Farm

State Farm’s car insurance quotes are nearly as low as Geico’s, and it has a better satisfaction score. State Farm also has cheap home insurance rates in Maryland. State Farm’s discount for bundling car insurance with a home or renters policy makes it more even affordable.

Best coverage options: Travelers

Along with accident forgiveness, Travelers also offers gap insurance and new car replacement . Gap insurance can come in handy if you financed your car with a low down payment. New car replacement protects you from a financial hit if your car is totaled while relatively new.

Best for military families: USAA

Low rates and great customer service ratings makes USAA a no-brainer if you meet its military eligibility requirements. It has a higher satisfaction rating than every other car insurance company. This means its customers generally like its price, coverage options and customer service.

Baltimore car insurance rates by neighborhood

At $214 a month, drivers in Hawkins Bay’s 21226 ZIP code have the Baltimore area’s cheapest car insurance. Car insurance in unincorporated Nottingham’s 21236 ZIP is only slightly more expensive at $215 a month.

Forest Park’s 21216 ZIP has Baltimore’s most expensive car insurance at $326 a month. This is 35% higher than the area average of $242 a month. Drivers in Berea’s 21213 ZIP have the next-highest rate at $316 a month.

Car insurance rates by ZIP code

Baltimore car insurance laws

You need car insurance to drive legally in Baltimore and elsewhere in Maryland. The state verifies your insurance when you register your vehicle. The penalties for driving without insurance include fines and suspension of your vehicle’s registration.

Minimum car insurance coverage requirements in Baltimore

The minimum amounts of car insurance you need to drive legally in Baltimore include:

Baltimore insurance companies are also required to offer at least $2,500 in personal injury protection (PIP). Full PIP is highly recommended. However, you can get a cheaper rate if you opt for limited PIP. You have to sign a waiver to do so.

Collision and comprehensive coverage are not required by law. However, lenders usually make you add them to your policy if you have a car loan. Both are usually worth keeping for a car without a loan that’s worth at least $5,000.