Like any major city, Baltimore driving can be hectic at times, especially if you regularly commute downtown, where many of the city’s car accidents are concentrated. Even as Baltimore’s transportation department works to reduce the number of serious accidents in the city, reliable car insurance is a must-have.
Living in an area with a high rate of car accidents can drive insurance rates up, but Baltimore residents may still find cheap coverage. We’ve collected data from real Jerry customers in Baltimore to show you how your age, driving record and credit can affect your premium.
More: Best car insurance in Maryland
Cheapest minimum coverage insurance in Baltimore
Maryland requires the following minimum car insurance coverages.
- $30,000 in bodily injury liability per person.
- $60,000 in bodily injury liability per accident.
- $15,000 in property damage liability per accident.
- $30,000 in uninsured motorist coverage per person.
- $60,000 in uninsured motorist coverage per accident.
- $15,000 in uninsured motorist property damage per accident.
Here are the cheapest quotes Jerry customers have received for minimum coverage.
If you have a loan or lease on your vehicle, the lender will require
More: Cheapest car insurance in Maryland
Cheapest full coverage insurance in Baltimore
Baltimore gets winter weather that may make driving more difficult. Full coverage (which combines collision and comprehensive insurances) helps to get you compensated for repairs to your vehicle if it’s damaged in hazardous weather conditions.
For example, if winter weather caused you to lose control and damage your car, you could claim the repair cost under collision insurance. However, if a hailstorm significantly damages your car’s exterior, then you can likely file a claim under comprehensive insurance.
These are some of the cheapest quotes Jerry customers in Baltimore have received for full coverage.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|
| $80 | $959 | 26 | 10/16/25 | 21210 | ||
| $83 | $990 | 71 | 10/26/25 | 21230 | ||
| $114 | $1,362 | 41 | 06/19/25 | 21224 | ||
| $124 | $1,486 | 39 | 06/17/25 | 21202 | ||
| $129 | $1,543 | 37 | 06/13/25 | 21213 | ||
| $131 | $1,569 | 38 | 06/15/25 | 21202 | ||
| $133 | $1,601 | 45 | 06/25/25 | 21217 | ||
| $139 | $1,669 | 58 | 07/12/25 | 21215 | ||
| $142 | $1,708 | 43 | 11/23/25 | 21231 | ||
| $147 | $1,764 | 45 | 06/26/25 | 21231 |
Estimate car insurance costs
Enter your ZIP code to see what Jerry customers have been quoted for full coverage, on average.
Average monthly quote:Methodology
Jerry's editorial team analyzed Jerry customer quotes to find the median full coverage quote, by ZIP code. We looked at customers driving popular vehicles, including the Ford-150, Honda Accord, Nissan Altima, RAM 1500, Toyota Camry and Toyota RAV4 . We also used the following base driver profile:
- 35-45 years old.
- Clean driving record.
- $50,000 in bodily injury liability, per person.
- $100,000 in bodily injury liability, per accident.
- $1,000 deductible for comprehensive and collision insurance.
More: Best car insurance companies
Cheapest car insurance for young drivers in Baltimore (18-29 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $84 | $1,009 | 24 | No | 10/16/25 | 21230 | ||
| $115 | $1,384 | 28 | No | 08/05/25 | 21225 | ||
| $131 | $1,574 | 28 | No | 10/15/25 | 21224 | ||
| $151 | $1,814 | 28 | No | 11/14/25 | 21217 | ||
| $158 | $1,896 | 26 | No | 10/16/25 | 21210 | ||
| $131 | $1,569 | 38 | 06/15/25 | 21202 | |||
| $133 | $1,601 | 45 | 06/25/25 | 21217 | |||
| $139 | $1,669 | 58 | 07/12/25 | 21215 | |||
| $142 | $1,708 | 43 | 11/23/25 | 21231 | |||
| $147 | $1,764 | 45 | 06/26/25 | 21231 |
More: Get cheap car insurance the smart way, today
Cheapest car insurance for mature drivers in Baltimore (30-54 years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $73 | $880 | 38 | No | 11/01/25 | 21211 | ||
| $79 | $945 | 38 | No | 06/17/25 | 21224 | ||
| $81 | $969 | 37 | No | 06/13/25 | 21229 | ||
| $100 | $1,198 | 37 | No | 06/13/25 | 21213 | ||
| $103 | $1,240 | 38 | No | 06/15/25 | 21224 | ||
| $131 | $1,569 | 38 | 06/15/25 | 21202 | |||
| $133 | $1,601 | 45 | 06/25/25 | 21217 | |||
| $139 | $1,669 | 58 | 07/12/25 | 21215 | |||
| $142 | $1,708 | 43 | 11/23/25 | 21231 | |||
| $147 | $1,764 | 45 | 06/26/25 | 21231 |
Cheapest car insurance for older drivers (55+ years old)
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $76 | $916 | 56 | No | 09/24/25 | 21210 | ||
| $83 | $990 | 71 | Yes | 10/26/25 | 21230 | ||
| $139 | $1,669 | 58 | Yes | 07/12/25 | 21215 | ||
| $144 | $1,731 | 60 | No | 08/09/25 | 21216 | ||
| $147 | $1,765 | 55 | No | 10/29/25 | 21231 | ||
| $131 | $1,569 | 38 | 06/15/25 | 21202 | |||
| $133 | $1,601 | 45 | 06/25/25 | 21217 | |||
| $139 | $1,669 | 58 | 07/12/25 | 21215 | |||
| $142 | $1,708 | 43 | 11/23/25 | 21231 | |||
| $147 | $1,764 | 45 | 06/26/25 | 21231 |
More: Best car insurance for seniors
Cheapest car insurance for drivers with clean records in Baltimore
One of the best ways to ensure an affordable car insurance rate is to keep a clear driving record. Here are the rates Baltimore drivers with clear records were quoted via Jerry.
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
Has Full Coverage
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| $73 | $880 | 38 | 11/01/25 | No | 21211 | ||
| $76 | $916 | 56 | 09/24/25 | No | 21210 | ||
| $79 | $945 | 38 | 06/17/25 | No | 21224 | ||
| $81 | $969 | 37 | 06/13/25 | No | 21229 | ||
| $83 | $990 | 71 | 10/26/25 | Yes | 21230 | ||
| $84 | $1,009 | 24 | 10/16/25 | No | 21230 | ||
| $100 | $1,198 | 37 | 06/13/25 | No | 21213 | ||
| $103 | $1,240 | 38 | 06/15/25 | No | 21224 | ||
| $106 | $1,270 | 45 | 10/11/25 | No | 21212 | ||
| $110 | $1,325 | 34 | 07/15/25 | No | 21202 |
Cheapest car insurance for drivers with at-fault accidents in Baltimore
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|
|
At-fault Accident on Record
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Has Full Coverage
|
Date of Policy
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|---|
| At Fault With No Injury | $75 | $894 | 33 | Yes | 02/16/25 | 21220 | ||
| At Fault With No Injury | $110 | $1,322 | 40 | No | 09/18/25 | 21213 | ||
| At Fault With No Injury | $125 | $1,500 | 57 | No | 07/22/25 | 21218 | ||
| At Fault With No Injury | $129 | $1,553 | 43 | No | 11/21/25 | 21215 | ||
| At Fault With No Injury | $130 | $1,554 | 67 | No | 05/05/25 | 21215 | ||
| $84 | $1,009 | 24 | No | 21230 | ||||
| $100 | $1,198 | 37 | No | 21213 | ||||
| $103 | $1,240 | 38 | No | 21224 | ||||
| $106 | $1,270 | 45 | No | 21212 | ||||
| $110 | $1,325 | 34 | No | 21202 |
More: What is an at-fault accident?
Cheapest car insurance for drivers with speeding tickets in Baltimore
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|
|
Violation Summary
|
Monthly Quote
|
Annual Quote
|
Insurance Company
|
Age
|
Date of Quote
|
City, State
|
ZIP Code
|
|---|---|---|---|---|---|---|---|
| Speeding over 15 | $171 | $2,046 | 27 | 07/30/25 | 21206 | ||
| Speeding under 15 | $177 | $2,120 | 33 | 11/09/25 | 21207 | ||
| Speeding over 15 | $181 | $2,176 | 34 | 11/19/25 | 21212 | ||
| Speeding under 15 | $200 | $2,400 | 54 | 08/22/25 | 21229 | ||
| Speeding over 15 | $214 | $2,562 | 35 | 06/11/25 | 21223 | ||
| $84 | $1,009 | 24 | 10/16/25 | 21230 | |||
| $100 | $1,198 | 37 | 06/13/25 | 21213 | |||
| $103 | $1,240 | 38 | 06/15/25 | 21224 | |||
| $106 | $1,270 | 45 | 10/11/25 | 21212 | |||
| $110 | $1,325 | 34 | 07/15/25 | 21202 |
Methodology
Data included in this analysis comes from policies that Jerry has quoted within the last 6 months for drivers with a clean record and that have full coverage, unless stated otherwise. Data related to violations, accidents or credit scores pull from quote data from the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.
Xuyun Zeng is a writer and editor with a wide-ranging content background including tech, journalism, cars and health care. After graduating with highest honors in journalism, Xuyun led a newspaper to win eight awards, helped start an award-winning film industry podcast and has written over a hundred articles about cars repair, state laws and insurance. Prior to joining Jerry, Xuyun worked as a freelance SEO consultant with a mission to create the best content that will help readers and grow organic traffic.
Annie is a writer and editor at Jerry with more than a decade of experience writing and editing digital content. Before joining Jerry, she was an assistant assigning editor at NerdWallet. Her past work has appeared in the Associated Press, USA Today and The Washington Post. Her work has been cited by Northwestern University and Harvard Kennedy School. Annie served as a spokesperson for NerdWallet during her time at NerdWallet and has been featured in New York Magazine, MarketWatch and on local television and radio stations.
Previously, she worked at USAA and newspapers in Minnesota, North Dakota, California and Texas. She has a bachelor’s degree in journalism from the University of Minnesota.
