Cheapest Car Insurance in Baltimore

Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

Cheapest Car Insurance in Baltimore

Even as the city works to reduce the number of serious accidents, Baltimore drivers should seek out reliable car insurance coverage for protection in all situations.

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Written by Xuyun Zeng and 1 other

Updated Oct 14, 2025

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

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$55	$662	Progressive	37	06/13/25	Baltimore, MD	21201
$56	$672	Progressive	41	06/19/25	Baltimore, MD	21224
$61	$732	Progressive	45	08/18/25	Baltimore, MD	21206
$70	$844	Geico	29	07/28/25	Baltimore, MD	21224
$74	$885	Progressive	45	06/24/25	Baltimore, MD	21230
$75	$898	Safeco	64	07/03/25	Baltimore, MD	21229
$78	$938	Safeco	34	08/04/25	Baltimore, MD	21211
$78	$941	Progressive	40	06/18/25	Baltimore, MD	21231
$80	$959	Progressive	60	10/06/25	Baltimore, MD	21211
$84	$1,010	Geico	64	09/01/25	Baltimore, MD	21202

Last Updated October 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

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

$103	$1,236	National General	26	10/03/25	Baltimore, MD	21215
$108	$1,294	Progressive	55	09/05/25	Baltimore, MD	21214
$109	$1,302	Safeco	33	09/30/25	Baltimore, MD	21231
$124	$1,482	Progressive	44	06/22/25	Baltimore, MD	21211
$126	$1,512	Progressive	64	09/05/25	Baltimore, MD	21225
$132	$1,585	Progressive	42	06/22/25	Baltimore, MD	21218
$134	$1,607	Progressive	42	06/22/25	Baltimore, MD	21202
$135	$1,617	Progressive	45	06/25/25	Baltimore, MD	21213
$154	$1,843	Progressive	41	06/19/25	Baltimore, MD	21224
$154	$1,851	Progressive	43	06/22/25	Baltimore, MD	21206

Last Updated October 2025

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

$70	$844	Geico	29	No	07/28/25	Baltimore, MD	21224
$103	$1,236	National General	26	Yes	10/03/25	Baltimore, MD	21215
$142	$1,698	ROOT	28	No	09/25/25	Baltimore, MD	21231
$142	$1,699	Progressive	26	No	10/04/25	Baltimore, MD	21206
$201	$2,412	Clearcover	22	Yes	07/26/25	Baltimore, MD	21201
$132	$1,585	Progressive	42		06/22/25	Baltimore, MD	21218
$134	$1,607	Progressive	42		06/22/25	Baltimore, MD	21202
$135	$1,617	Progressive	45		06/25/25	Baltimore, MD	21213
$154	$1,843	Progressive	41		06/19/25	Baltimore, MD	21224
$154	$1,851	Progressive	43		06/22/25	Baltimore, MD	21206

Last Updated October 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

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$55	$662	Progressive	37	No	06/13/25	Baltimore, MD	21201
$61	$732	Progressive	45	No	08/18/25	Baltimore, MD	21206
$78	$938	Safeco	34	No	08/04/25	Baltimore, MD	21211
$89	$1,067	Progressive	54	No	08/18/25	Baltimore, MD	21224
$94	$1,128	Progressive	33	No	06/13/25	Baltimore, MD	21230
$132	$1,585	Progressive	42		06/22/25	Baltimore, MD	21218
$134	$1,607	Progressive	42		06/22/25	Baltimore, MD	21202
$135	$1,617	Progressive	45		06/25/25	Baltimore, MD	21213
$154	$1,843	Progressive	41		06/19/25	Baltimore, MD	21224
$154	$1,851	Progressive	43		06/22/25	Baltimore, MD	21206

Last Updated October 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

Monthly Quote	Annual Quote	Insurance Company	Age	Has Full Coverage	Date of Quote	City, State	ZIP Code

$75	$898	Safeco	64	No	07/03/25	Baltimore, MD	21229
$84	$1,010	Geico	64	No	09/01/25	Baltimore, MD	21202
$100	$1,202	Progressive	55	No	08/31/25	Baltimore, MD	21218
$108	$1,294	Progressive	55	Yes	09/05/25	Baltimore, MD	21214
$128	$1,540	Safeco	69	No	05/28/25	Baltimore, MD	21224
$132	$1,585	Progressive	42		06/22/25	Baltimore, MD	21218
$134	$1,607	Progressive	42		06/22/25	Baltimore, MD	21202
$135	$1,617	Progressive	45		06/25/25	Baltimore, MD	21213
$154	$1,843	Progressive	41		06/19/25	Baltimore, MD	21224
$154	$1,851	Progressive	43		06/22/25	Baltimore, MD	21206

Last Updated October 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

Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	Has Full Coverage	City, State	ZIP Code

$55	$662	Progressive	37	06/13/25	No	Baltimore, MD	21201
$61	$732	Progressive	45	08/18/25	No	Baltimore, MD	21206
$70	$844	Geico	29	07/28/25	No	Baltimore, MD	21224
$75	$898	Safeco	64	07/03/25	No	Baltimore, MD	21229
$78	$938	Safeco	34	08/04/25	No	Baltimore, MD	21211
$84	$1,010	Geico	64	09/01/25	No	Baltimore, MD	21202
$89	$1,067	Progressive	54	08/18/25	No	Baltimore, MD	21224
$94	$1,128	Progressive	33	06/13/25	No	Baltimore, MD	21230
$100	$1,202	Progressive	55	08/31/25	No	Baltimore, MD	21218
$103	$1,236	National General	26	10/03/25	Yes	Baltimore, MD	21215

Last Updated October 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 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	07/22/25	Baltimore, MD	21218
At Fault With No Injury	$130	$1,554	Progressive	67	No	05/05/25	Baltimore, MD	21215
At Fault With Injury	$132	$1,589	Progressive	30	No	08/22/25	Baltimore, MD	21224
At Fault With No Injury	$134	$1,610	Progressive	34	No	08/09/24	Baltimore, MD	21224
At Fault With No Injury	$148	$1,780	Progressive	24	No	06/25/25	Baltimore, MD	21206
	$84	$1,010	Geico	64	No		Baltimore, MD	21202
	$89	$1,067	Progressive	54	No		Baltimore, MD	21224
	$94	$1,128	Progressive	33	No		Baltimore, MD	21230
	$100	$1,202	Progressive	55	No		Baltimore, MD	21218
	$103	$1,236	National General	26	Yes		Baltimore, MD	21215

Last Updated October 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 Quote	City, State	ZIP Code

Violation Summary	Monthly Quote	Annual Quote	Insurance Company	Age	Date of Quote	City, State	ZIP Code

Speeding under 15	$203	$2,438	Clearcover	28	09/15/25	Baltimore, MD	21214
Speeding over 15	$218	$2,614	Progressive	30	10/09/25	Baltimore, MD	21229
Speeding under 15	$254	$3,043	Clearcover	27	06/02/25	Baltimore, MD	21212
Speeding under 15	$271	$3,248	Safeco	37	08/03/25	Baltimore, MD	21213
Speeding under 15	$297	$3,562	ROOT	46	08/04/25	Baltimore, MD	21215
	$84	$1,010	Geico	64	09/01/25	Baltimore, MD	21202
	$89	$1,067	Progressive	54	08/18/25	Baltimore, MD	21224
	$94	$1,128	Progressive	33	06/13/25	Baltimore, MD	21230
	$100	$1,202	Progressive	55	08/31/25	Baltimore, MD	21218
	$103	$1,236	National General	26	10/03/25	Baltimore, MD	21215

Last Updated October 2025

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.

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Our experts

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.

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 $89 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.