Car Insurance in Baltimore
Numbers refreshed
Behind car insurance in Baltimore sit the Maryland averages, along with how people there drive.
- $147The Maryland average per month for full coverage.
- 30/60/15.The state's minimum limits.
What drivers near Baltimore pay
Full coverage in Maryland averages $1,768 a year, and the legal minimum averages $944. Prices in a big city usually sit above the state average: heavier traffic, more claims and more theft.
| Coverage in Maryland | Per year | Per month |
|---|---|---|
| Liability | $944 | $79 |
| Collision | $554 | $46 |
| Comprehensive | $269 | $22 |
| Full coverage (all three) | $1,768 | $147 |
Source: NAIC 2024 Auto Insurance Database Average Premium Supplement (PDF).
Baltimore price quotes
A single male, 30, homeowner, clean record, 2015 Toyota RAV4 Limited AWD, 25,000 mi/yr. Liability limits 100/300/100, plus PIP $2,500, plus UM, plus comp $250 and coll $500.
| Rank | Insurer | Per year | Per month |
|---|---|---|---|
| 1 | Branch Insurance Exchange | $2,156 | $180 |
| 2 | Progressive | $2,964 | $247 |
| 3 | USAA | $2,971 | $248 |
| 4 | USAA | $3,119 | $260 |
| 5 | Farmers Insurance | $3,194 | $266 |
| 6 | Horace Mann Insurance Co. | $3,360 | $280 |
| 7 | NJM Insurance Co. | $3,539 | $295 |
| 8 | State Farm | $3,574 | $298 |
Source: Maryland Insurance Administration: Auto Insurance: A Comparison Guide to Rates (As of August 2026).
Baltimore driving
| Census figure | Baltimore |
|---|---|
| People | 573,243 |
| Average trip to work | 29 minutes |
| Drive to work alone | 56% |
| Homes with no car | 27% |
| Median household income | $62,177 |
Source: U.S. Census Bureau, American Community Survey 2020-2024 5-year table-based Summary File.
Your personal estimate
The Maryland calculator works out a price from your age, record and car. You can find the state's rules on Maryland car insurance requirements.
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