Cheapest Car Insurance in Baltimore

Written by Xuyun Zeng and 1 other
Updated Jan 7, 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.

Cheapest minimum coverage insurance in Baltimore

Maryland’s requires the following minimum car insurance coverages.

  • $30,000 for bodily injury, $60,000 for two or more people and $15,000 for property damage.
  • Uninsured motorist coverages including $30,000 for bodily injury per person, $60,000 for bodily injury to two or more people, and $15,000 for property damage.

Here are the cheapest quotes Jerry customers have received for minimum coverage.

Monthly Quote
Annual Quote
Insurance Company
Age
Date of Policy
City, State
ZIP Code
$82 $980 Progressive 43 May 7, 2024 Baltimore, MD 21209
$97 $1,162 Progressive 27 April 15, 2025 Baltimore, MD 21202
$101 $1,210 Progressive 39 October 29, 2024 Baltimore, MD 21211
$102 $1,222 Progressive 29 April 14, 2025 Baltimore, MD 21230
$103 $1,238 Progressive 27 November 15, 2023 Baltimore, MD 21224
$107 $1,280 Progressive 65 January 31, 2025 Baltimore, MD 21211
$111 $1,328 Progressive 67 January 11, 2025 Baltimore, MD 21210
$118 $1,412 Gainsco 50 November 21, 2024 Baltimore, MD 21230
$122 $1,468 Progressive 30 January 22, 2025 Baltimore, MD 21239
$126 $1,508 Bristol West 63 July 14, 2024 Baltimore, MD 21230
Last Updated May 6, 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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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 Policy
City, State
ZIP Code
$82 $980 Progressive 43 May 7, 2024 Baltimore, MD 21209
$101 $1,210 Progressive 39 October 29, 2024 Baltimore, MD 21211
$124 $1,484 Progressive 61 November 15, 2023 Baltimore, MD 21209
$126 $1,512 Progressive 33 December 30, 2024 Baltimore, MD 21202
$138 $1,656 Progressive 40 October 17, 2024 Baltimore, MD 21201
$145 $1,736 Progressive 33 December 13, 2024 Baltimore, MD 21231
$157 $1,878 Progressive 26 December 21, 2024 Baltimore, MD 21202
$165 $1,982 Progressive 73 February 22, 2025 Baltimore, MD 21218
$169 $2,032 Gainsco 47 October 4, 2024 Baltimore, MD 21231
$175 $2,104 Progressive 29 March 6, 2025 Baltimore, MD 21218
Last Updated May 6, 2025

Cheapest car insurance for young drivers in Baltimore (18-29 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$84 $1,010 Progressive 25 No March 19, 2025 Baltimore, MD 21212
$97 $1,162 Progressive 27 No April 15, 2025 Baltimore, MD 21202
$102 $1,222 Progressive 29 No April 14, 2025 Baltimore, MD 21230
$103 $1,238 Progressive 27 No November 15, 2023 Baltimore, MD 21224
$156 $1,874 Progressive 24 No March 4, 2025 Baltimore, MD 21209
Last Updated May 6, 2025

Cheapest car insurance for mature drivers in Baltimore (30-54 years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$82 $980 Progressive 43 Yes May 7, 2024 Baltimore, MD 21209
$101 $1,210 Progressive 39 Yes October 29, 2024 Baltimore, MD 21211
$118 $1,412 Gainsco 50 No November 21, 2024 Baltimore, MD 21230
$122 $1,468 Progressive 30 No January 22, 2025 Baltimore, MD 21239
$126 $1,512 Progressive 33 Yes December 30, 2024 Baltimore, MD 21202
Last Updated May 6, 2025

Cheapest car insurance for older drivers (55+ years old)

Monthly Quote
Annual Quote
Insurance Company
Age
Has Full Coverage
Date of Policy
City, State
ZIP Code
$107 $1,280 Progressive 65 No January 31, 2025 Baltimore, MD 21211
$111 $1,328 Progressive 67 No January 11, 2025 Baltimore, MD 21210
$124 $1,484 Progressive 61 Yes November 15, 2023 Baltimore, MD 21209
$126 $1,508 Bristol West 63 No July 14, 2024 Baltimore, MD 21230
$126 $1,514 Electric 64 No August 24, 2024 Baltimore, MD 21229
Last Updated May 6, 2025

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 Policy
Has Full Coverage
City, State
ZIP Code
$84 $1,010 Progressive 25 March 19, 2025 No Baltimore, MD 21212
$111 $1,328 Progressive 67 January 11, 2025 No Baltimore, MD 21210
$118 $1,412 Gainsco 50 November 21, 2024 No Baltimore, MD 21230
$122 $1,468 Progressive 30 January 22, 2025 No Baltimore, MD 21239
$126 $1,508 Bristol West 63 July 14, 2024 No Baltimore, MD 21230
$126 $1,514 Electric 64 August 24, 2024 No Baltimore, MD 21229
$127 $1,528 Gainsco 49 April 23, 2025 No Baltimore, MD 21230
$135 $1,620 Progressive 69 April 20, 2025 No Baltimore, MD 21229
$138 $1,656 Progressive 40 October 17, 2024 Yes Baltimore, MD 21201
$140 $1,676 Progressive 35 March 12, 2024 No Baltimore, MD 21210
Last Updated May 6, 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 $101 $1,210 Progressive 39 Yes October 29, 2024 Baltimore, MD 21211
At Fault With No Injury $103 $1,238 Progressive 27 No November 15, 2023 Baltimore, MD 21224
At Fault With No Injury $124 $1,484 Progressive 61 Yes November 15, 2023 Baltimore, MD 21209
At Fault With No Injury $126 $1,512 Progressive 33 Yes December 30, 2024 Baltimore, MD 21202
At Fault With No Injury $134 $1,610 Progressive 34 No August 9, 2024 Baltimore, MD 21224
Last Updated May 6, 2025

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 $103 $1,238 Progressive 27 November 15, 2023 Baltimore, MD 21224
Speeding under 15 $124 $1,484 Progressive 61 November 15, 2023 Baltimore, MD 21209
Speeding under 15 $173 $2,076 Progressive 37 January 31, 2025 Baltimore, MD 21201
Speeding under 15 $191 $2,294 Progressive 30 March 17, 2025 Baltimore, MD 21230
Speeding under 15 $242 $2,907 Progressive 40 December 16, 2024 Baltimore, MD 21215
Last Updated May 6, 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.

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.