Baltimore is one of the most charming cities in the country today. It is immersed in history, starting with a historical landmark district that includes the original Washington Monument and the former home of Edgar Allan Poe. Another hot spot we love is Fels Pointe, a vibrant waterfront neighborhood sotted with cobblestone streets and live music venues. Finally, let’s not forget its vibrant arts scene, with some of the nation’s most popular festivals like HonFest and Artscape calling it home.
All drivers in the Baltimore area must have car insurance. Keep reading to learn more about Maryland car insurance, including average rates paid by age and zip code.
- Legendary baseball player Babe Ruth was born in Baltimore
- Washington, D.C., and Baltimore were the sight of the first telegraph line in the world (1844)
- Past nicknames for Baltimore include Monumental City, the City that Believes, and Charm City
- Baltimore has more statues and monuments than any other U.S. city
- The city’s largest collection of Matisse paintings is housed in the Baltimore Museum of Art
- The first regular railroad passenger service in the country started in Baltimore (1830)
How Much Does Car Insurance Cost in Baltimore, Maryland?
In Baltimore, drivers pay an average monthly rate of $229 per month for full coverage car insurance. This rate is much higher than the national average monthly rate of $140 and the state average of $160. The crime rate and number of accidents in Baltimore probably has something to do with the high insurance rates. The state also requires very high liability insurance limits, as well as high uninsured motorist coverage (UIM).
Given that car insurance is so expensive, you may be looking for the cheapest car insurance in Baltimore. This will be the state-required minimum liability car insurance, plus UIM, that averages $118 per month, much higher than the national average of $47 and the state average of $70.
There is a large difference between full coverage and the minimum insurance. Some things to keep in mind include:
Full Coverage Insurance
Includes the state minimum liability (or more, if you wish), plus comprehensive car insurance and collision auto insurance. Since Baltimore does have a high number of accidents, adding this protection may not be a bad idea.
State Minimum Insurance
Includes the basic mandatory bodily injury liability insurance, property damage liability insurance and UIM. Will help pay for the costs sustained by the other party if you cause an accident, but won’t pay anything toward your own repairs and injuries. UIM coverage will give you some relief if you are hit by a hit and run driver or a driver that has no insurance or not enough insurance.
How does Baltimore compare with other cities in Maryland? Here is a breakdown of average monthly car insurance costs for Maryland cities:
|City||Full Coverage Insurance||Liability Insurance Coverage|
Low-Cost Car Insurance Rates by Zip Code in Baltimore, MD
Your average car insurance rate has something to do with where you live in Baltimore. Zip codes that have higher than normal car crashes and vehicle crime will cause residents to pay more for their car insurance.
Here is a look at the average monthly car insurance rate in Baltimore by zip code:
|Zip Code||Full Coverage Insurance||Liability Insurance Coverage|
Affordable Car Insurance Rates by Age in Baltimore, MD
Your age affects the average premium you pay for auto insurance in Baltimore. Generally, younger drivers ages 16-19 pay double (sometimes even triple) the premiums as drivers in their 30s, 40s, and 50s due to a riskier driving profile.
Here is a look at average monthly car insurance rate in Baltimore by age:
|Age||Full Coverage Insurance||Liability Insurance Coverage|
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Maryland. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
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Driving Conditions in Baltimore, Maryland
How Many Fatal Accidents Happen in Baltimore, MD?
In 2019, there were 41 fatal road traffic accidents in Baltimore, three in Columbia, and five in Towson.
How Are the Road Infrastructure and Bridges in Baltimore, MD?
The city of Baltimore has a very active Engineering and Construction department that focuses on county infrastructure, improving its public roads, water lines, storm drains, bridges, and other public areas. One of its biggest perks is a Report a Problem feature, which allows you to report all types of issues, such as defective sidewalks and traffic issues.
To report a problem or request a service, visit Baltimore County Government – Report a Problem or Request a Service.
Minimum Car Insurance Requirements in Baltimore, Maryland
All Maryland drivers must adhere to the following minimum coverage amounts:
- $30,000 for bodily injury per person
- $60,000 for bodily injury for two or more people
- $15,000 for property damage
- $30,000 for bodily injury per person uninsured motorist coverage
- $60,000 for bodily injury for two or more people uninsured motorist coverage
- $15,000 for property damage uninsured motorist coverage
In many instances, the minimum required insurance for bodily injury and property damage will not be sufficient to cover you in an accident. For example, most new vehicles cost more than $15,000 (minimum property damage liability). Therefore, any vehicle damages above $15,000 will come out of your pocket.
Remember, even one day of lapsed coverage can cause the state to file a notice with your insurance company. So be sure to have proof of insurance at all times to avoid license/registration suspension, administrative fees, and court costs.
What Are the Penalties for Driving Without Insurance in Baltimore, MD?
Maryland’s Financial Responsibility Law bans driving without an active auto insurance policy.
Penalties for driving without insurance in Baltimore-Columbia-Towson are high. First-time offenders can expect to see their license and registration suspended until proof of insurance is provided, along with a $1,000 fine and a $150 administrative fee for the first 30 days. Second and subsequent offenders will double the fine ($2,000), possibly up to two years in jail.
Remember, the state-required minimum liability limits are $30,000 for bodily injury per person, $60,000 for bodily injury per accident, and $15,000 in property damage coverage, plus UIM coverage.
Factors Allowed in Determining Car Insurance Rates in Baltimore, Maryland
Auto insurance providers consider more than a dozen factors to determine car insurance rates. Factors affecting Baltimore car insurance rates include but are not limited to:
- Zip code
- Education & occupation
- Marital status
- Credit score
Do not underestimate your policy’s makeup. Lower deductibles and higher liability limits have higher premiums. To lower your monthly premium, consider setting your deductible higher.
Discounts for Car Insurance in Baltimore, MD
There are many car insurance discounts available to drivers with clean driving records. The longer your record is free of traffic infractions, moving violations, and claims, the lower your rates.
Discounts available to Baltimore drivers include:
Safe driving discount
Defensive driving course discount
It’s important to ask about discounts offered by your insurance carrier. Practice the habit of calling your insurance carrier to check for discounts you may qualify for every six months to a year. Even bundling your auto and homeowners insurance policy can result in $10 or $20 saved each month, money better put to use elsewhere.
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Low-Cost Car Insurance Online in Baltimore, MD Today!
The best car insurance in Baltimore is just a click away. Let Freeway Insurance help find the right policy for you. Whether it’s a state minimum liability policy or full coverage with comprehensive and collision insurance, we have you covered.
Getting started is easy. Request an online car insurance quote, come to one of our local offices, or pick up the phone and call us at 800-777-5620. Get your free quote today!