Car Insurance in Baltimore

Having car insurance in Baltimore protects you from paying out of pocket for collisions and other damage to your vehicle.
Compare, shop and customize quotes from top-rated insurance carriers.

Motoring Around Charm City

With nearly 570,000 people, Baltimore is the largest city in Maryland. When you add residents in surrounding cities, Greater Baltimore tops out at almost 3 million people. Whether you're watching a play at the Hippodrome Theatre, a baseball game at Oriole Park at Camden Yards or the Baltimore Symphony Orchestra at the Meyerson Symphony Hall, there's always somewhere "charming" to be in the city nicknamed Charm City.

Where there are plenty of residents, there are plenty of vehicles. Driving in Baltimore exposes you to these risks:

  • Poor road conditions: Some of Baltimore's roads are in poor condition, making driving more difficult and dangerous.
  • Pedestrians and cyclists: Baltimore has a large number of pedestrians and cyclists, and drivers need to be aware of them and be careful when driving near them. This is especially true downtown and at the Inner Harbor, one of Baltimore's biggest tourist destinations.
  • Traffic congestion: Baltimore traffic can be very congested, especially during rush hour. Also, many commute between Baltimore and Washington, D.C., leading to increased risk of collisions.
  • Weather events: Baltimore is a coastal city and experiences hurricanes, flooding and other natural disasters that can destroy a vehicle.

Baltimore is on record as the city where drivers are most likely to get into a car accident. It also ranked third in the nation in total fatalities per 100,000 people, despite having multiple public transit options. Having car insurance in Baltimore covers you financially in the event of an auto accident.

Exploring Car Insurance in Baltimore

Maryland requires drivers to carry these minimum coverages for auto insurance:

  • $30,000 for bodily injury
  • $60,000 for bodily injury for two or more people
  • $15,000 for property damage

According to Kelley Blue Book, the cost of a new vehicle in Baltimore can easily exceed $15,000, regardless of the type of auto. It's recommended to look for a policy that exceeds these minimum coverage levels. VIU by HUB can help you make sense of your options, including policies with these coverages:

  • Collision: Covers damage done to your vehicle regardless of who's at fault
  • Comprehensive: Covers losses to your vehicle, such as theft, vandalism and natural disaster
  • Uninsured/Underinsured Motorist: Pays for losses in an accident involving another driver with no insurance or too little coverage

Other benefits are also available including umbrella coverage for high damages, roadside assistance and reimbursement for rental vehicles. It's critical to find a plan that works for you and the drivers in your household.

Paying for Car Insurance in Baltimore

Baltimoreans typically pay $2,072 each year for car insurance, which is more than the state and national averages of $1,415 and $1,548 respectively. What you pay for an annual premium in Baltimore is impacted by the following:

  • Age: Younger and less experienced drivers pay significantly more for auto coverage.
  • Credit history: The higher your credit score, the lower your rates.
  • Driving record: Drivers with clean records have lower premiums on average.
  • Gender: Female drivers pay slightly more for coverage.
  • Location: Drivers who live in zip codes with higher rates of incidents and crime usually pay more.

Many drivers will qualify for discounts that can mitigate insurance premium costs. VIU by HUB helps take the guesswork out of insurance by helping you explore options and compare rates. Get the best car insurance in Baltimore by contacting us today.

This information is intended for general informational purposes only and is not intended to constitute legal advice.


US Census Bureau

Forbes Magazine

Maryland Department of Transportation

Kelley Blue Book

Car and Driver

Auto insurance in Maryland by city

Understand risks, minimum state coverage requirements, average costs and other specifics that can impact auto insurance policies and premium rates in your city.