Cheapest Car Insurance in Baltimore

Written by Xuyun Zeng and 1 other
Updated Jul 28, 2025
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Cheapest Car Insurance in Baltimore

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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.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Quote
City, State
ZIP Code
$56 $672 Progressive 41 June 19, 2025 Baltimore, MD 21224
$83 $993 Progressive 42 June 20, 2025 Baltimore, MD 21211
$85 $1,021 Progressive 37 June 13, 2025 Baltimore, MD 21212
$95 $1,143 Progressive 38 June 15, 2025 Baltimore, MD 21202
$105 $1,260 Progressive 39 June 16, 2025 Baltimore, MD 21211
$107 $1,282 Geico 35 March 22, 2025 Baltimore, MD 21223
$107 $1,290 Progressive 62 June 30, 2025 Baltimore, MD 21230
$109 $1,308 Progressive 44 June 23, 2025 Baltimore, MD 21211
$117 $1,402 Progressive 45 July 22, 2025 Baltimore, MD 21201
$120 $1,436 Geico 29 February 6, 2025 Baltimore, MD 21201
Last Updated Jul 24, 2025

If you have a loan or lease on your vehicle, the lender will require full coverage. You may also need gap insurance, which can help you pay off your loan if your car is totaled.

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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
$97 $1,161 Progressive 42 June 20, 2025 Baltimore, MD 21206
$105 $1,260 Progressive 39 June 16, 2025 Baltimore, MD 21211
$131 $1,577 Progressive 44 June 22, 2025 Baltimore, MD 21211
$142 $1,704 Progressive 65 April 13, 2025 Baltimore, MD 21209
$146 $1,754 Progressive 49 May 31, 2025 Baltimore, MD 21224
$147 $1,763 Progressive 44 June 23, 2025 Baltimore, MD 21230
$149 $1,782 Progressive 58 March 13, 2025 Baltimore, MD 21231
$151 $1,812 Progressive 53 March 28, 2025 Baltimore, MD 21230
$155 $1,858 Electric 63 April 1, 2025 Baltimore, MD 21226
$157 $1,888 Progressive 45 June 26, 2025 Baltimore, MD 21231
Last Updated Jul 24, 2025

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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
$120 $1,436 Geico 29 No February 6, 2025 Baltimore, MD 21201
$205 $2,462 Progressive 27 No May 10, 2025 Baltimore, MD 21229
$212 $2,544 Progressive 29 No February 24, 2025 Baltimore, MD 21229
$224 $2,684 ROOT 29 No February 25, 2025 Baltimore, MD 21224
$243 $2,918 Clearcover 26 Yes June 8, 2025 Baltimore, MD 21202
Last Updated Jul 24, 2025

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
$56 $672 Progressive 41 No June 19, 2025 Baltimore, MD 21224
$105 $1,260 Progressive 39 Yes June 16, 2025 Baltimore, MD 21211
$117 $1,402 Progressive 45 No July 22, 2025 Baltimore, MD 21201
$124 $1,492 Progressive 37 No June 14, 2025 Baltimore, MD 21229
$129 $1,542 National General 45 No February 16, 2025 Baltimore, MD 21224
Last Updated Jul 24, 2025

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
$107 $1,290 Progressive 62 No June 30, 2025 Baltimore, MD 21230
$142 $1,704 Progressive 65 Yes April 13, 2025 Baltimore, MD 21209
$144 $1,728 National General 58 No July 12, 2025 Baltimore, MD 21215
$148 $1,774 Gainsco 55 No February 7, 2025 Baltimore, MD 21224
$154 $1,844 Gainsco 58 No March 13, 2025 Baltimore, MD 21231
Last Updated Jul 24, 2025

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
$56 $672 Progressive 41 June 19, 2025 No Baltimore, MD 21224
$105 $1,260 Progressive 39 June 16, 2025 Yes Baltimore, MD 21211
$107 $1,290 Progressive 62 June 30, 2025 No Baltimore, MD 21230
$117 $1,402 Progressive 45 July 22, 2025 No Baltimore, MD 21201
$120 $1,436 Geico 29 February 6, 2025 No Baltimore, MD 21201
$124 $1,492 Progressive 37 June 14, 2025 No Baltimore, MD 21229
$129 $1,542 National General 45 February 16, 2025 No Baltimore, MD 21224
$131 $1,574 National General 52 April 29, 2025 No Baltimore, MD 21226
$132 $1,579 Progressive 38 June 15, 2025 No Baltimore, MD 21229
$138 $1,655 Progressive 44 June 22, 2025 No Baltimore, MD 21233
Last Updated Jul 24, 2025

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 With No Injury $125 $1,500 Progressive 57 No July 22, 2025 Baltimore, MD 21218
At Fault With No Injury $134 $1,610 Progressive 34 Yes August 9, 2024 Baltimore, MD 21224
At Fault With No Injury $148 $1,780 Progressive 24 No June 25, 2025 Baltimore, MD 21206
At Fault With No Injury $165 $1,974 Progressive 39 No June 13, 2025 Baltimore, MD 21215
At Fault With No Injury $168 $2,020 Progressive 24 No October 10, 2024 Baltimore, MD 21207
Last Updated Jul 24, 2025

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 Policy
City, State
ZIP Code
Speeding under 15 $241 $2,892 Gainsco 50 March 18, 2025 Baltimore, MD 21206
Speeding under 15 $242 $2,907 Progressive 40 December 16, 2024 Baltimore, MD 21215
Speeding under 15 $255 $3,058 Progressive 37 January 31, 2025 Baltimore, MD 21201
Speeding under 15 $270 $3,234 Progressive 38 December 8, 2024 Baltimore, MD 21239
Speeding under 15 $296 $3,550 Gainsco 48 September 27, 2024 Baltimore, MD 21206
Last Updated Jul 29, 2025

Methodology

Data included in this analysis comes from policies that Jerry has quoted within the last 18 months. Jerry services 48 states and offers a range of insurance companies to choose from.

MEET OUR EXPERTS
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Xuyun Zeng

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.

meet-experts-thumbnail
Annie Millerbernd

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.

Over the past 12 months, 25% of drivers who switched with Jerry paid $85 or less per month. Not all customers find savings. Savings depend on state, policy features, coverage, driving history and other factors.
Editorial Note: This article was written by a paid member of Jerry’s editorial team. Statements in this article do not constitute advice or recommendations. You should consult with an insurance professional about your specific circumstances and needs before making any insurance decisions.