Our top five car insurance options in Baltimore are USAA, Geico, State Farm, Travelers and Erie. Not only do these companies offer rates below the city's average minimum and total coverage, but they also have a strong reputation for customer service and offer quality coverage. Taking all of these factors into consideration will ensure that Maryland drivers get the best possible price when buying car insurance. Maryland insurers may offer limited coverage or limit the amount of coverage available when renting a car.
Many factors affect car insurance rates, and the cheapest company for one driver might not be the cheapest for another. While more expensive than average, Maryland is still hundreds of dollars a year cheaper than the most expensive states. Below, you can see that certain zip codes in Baltimore can be up to 15% cheaper or 15% more expensive than the city average. The final insurance policy premium for any policy is determined by the insurance company upon application.
Insurers analyze the number of accidents, stolen vehicles and acts of vandalism in a specific neighborhood and set rates accordingly. See NerdWallet's guide to state car insurance requirements for more details on the different parts of an auto policy in Maryland. Maryland drivers may be surprised to learn that their gender can also affect the rate they are charged for car insurance. Drivers in their 30s can get lower rates by comparing prices and taking advantage of discounts on car insurance.
Baltimore drivers who want to save money on their car insurance should consider increasing their deductible. These requirements make it more expensive to insure a vehicle in Baltimore, ME compared to other states with lower minimum requirements. Maryland drivers who have difficulty paying for car insurance may be eligible for assistance through the Maryland Low-Cost Auto Insurance Program. The average cost of car insurance decreases as drivers enter their twenties and continues to fall through middle age.