Baltimore Car Insurance

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Baltimore Car Insurance Rates by ZIP Code

Enter ZIP for average rate. Then enter Age, Gender and Coverage Level for customized rate.

Age203040506070

GenderMaleFemale

Coverage SetState Minimum LiabilityLiability Only - $50K/$100K/$50KFull Coverage - $100K/$300K/$100K

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CarInsurance.com commissioned Quadrant Information Services to provide a report of average auto insurance rates for a 2016 Honda Accord for nearly every ZIP code in the United States. We calculated rates using data for up to six large carriers (Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm).
Averages for the default result are based on insurance for a married 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. The rate includes uninsured motorist coverage.
Averages for customized rates are based on drivers ages 20, 30, 40, 50, 60 and 70 for the following coverage levels: state minimum liability, liability of 50/100/50 and 100/300/100 with $500 deductible on comprehensive and collision. These hypothetical drivers have clean records and good credit. Average rates are for comparative purposes.
Your own rate will depend on your personal factors and vehicle.

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State Minimum:
Required liability coverage to drive legally in your state; some states mandate additional coverage, such as personal injury protection, uninsured motorist, underinsured motorist.

Liability Only 50/100/50:
$50,000 per person/$100,000 maximum per accident for bodily injury; $50,000 for property damage. Liability pays for injuries/damage you cause others.

Full Coverage 100/300/100:
$100,000 per person/$300,000 maximum per accident for bodily injury; $100,000 for property damage; comprehensive and collision coverage with $500 deductible. Liability pays for injuries/damage you cause others. Comprehensive and collision pay for damage to your car.

MOST & LEAST EXPENSIVE ZIP CODES in Maryland

HIGHEST RATE:

• 21216- BALTIMORE: $2,423
• 21215- BALTIMORE: $2,392
• 21213- BALTIMORE: $2,355
• 21223- BALTIMORE: $2,354

LOWEST RATE:

• 21742- FOUNTAINHEAD-ORCHARD HILLS: $1,111
• 21722- CLEAR SPRING: $1,112
• 21795- HALFWAY: $1,112
• 21733- FAIRPLAY: $1,115

• METHODOLOGY +

Here's how Baltimore’s highest average rate ($2,432)  compares to others, for a full coverage policy:

• $1,321  more than the least expensive average rate ($1,111) in the state, Fountainhead-Orchard Hills ZIP 21742
• $1,042 more than the state average ($1,390)
• $803 more than the average rate for all of Baltimore ($1,629)
• $1,077 more than the national average rate ($1,355)

Baltimore car insurance rates by ZIP code

Here are the 5 most and least expensive ZIP codes for car insurance in Baltimore. You'll see in the chart below that you can save up about $900 to $1,600  just by comparing car insurance quotes, no matter which address you call home. 

Most expensive

Least expensive

*Methodology for rates by ZIP code:

CarInsurance.com commissioned Quadrant Information Services to run auto insurance rates for a 2016 Honda Accord for more than 30,000 ZIP codes in the United States using six large carriers -- Allstate, Farmers, GEICO, Nationwide, Progressive and State Farm. (In cases where an insurer’s rate wasn’t available, another major carrier's rate was substituted.) Averages are based on insurance for a single 40-year-old male who commutes 12 miles to work each day, with policy limits of 100/300/100 ($100,000 for injury liability for one person, $300,000 for all injuries and $100,000 for property damage in an accident) and a $500 deductible on collision and comprehensive coverage. This hypothetical driver has a clean record and good credit. The rate includes uninsured motorist coverage. Average rates are for comparative purposes. Your own rate will depend on your personal factors and vehicle.

Cheap car insurance: Baltimore

Minimum liability coverage limits of 30/60/15 are required to drive in Maryland. You are also required to buy uninsured and underinsured motorist coverage. Buying the state required limits is definitely the cheapest way to go. But your assets and savings aren’t shielded from lawsuits and you won’t be covered for damage to your own car.

It does cost more to buy more protection, but as you’ll see below, additional coverage is typically affordable. Increasing your insurance from the state minimum to full coverage with a $500 deductible costs, on average, $680 more, or $57 a month. Just hiking to higher liability costs just $38 dollars more a year.

• Maryland state minimum average annual rate: $710
• Liability only; 100/50/100 average annual rate: $748
• Full coverage of 100/300/100, with comprehensive and collision and $500 deductible: $1,390

For more details on how comprehensive, collision, uninsured motorist coverage and liability work to protect you and your car as well as damage and injuries you cause in an accident, see our Maryland car insurance page or explanations of the different types of car insurance.

Who has the cheapest Baltimore car insurance rates?

Below you'll see average annual rates for Baltimore, ranked cheapest to most expensive, for three coverage levels:

• State minimum liability requirements
• Liability limits of $50,000 per person/$100,000 per accident and $50,000 property damage
• Liability of $100,000 per person/$300,000 per accident and $100,000 property damage, with comprehensive and collision at $500 deductible