Best Baltimore, MD Auto Insurance in 2024 (Review the Top 10 Companies Here)

The best Baltimore, MD auto insurance providers are Geico, State Farm, and Erie, with affordable rates for as low as $107 per month for premium and dependable coverage.

Read more to compare the different types of auto insurance coverage and choose the one that best fits your vehicle needs in Baltimore, Maryland.

Our Top 10 Company Picks: Best Baltimore, MD Auto Insurance

Don’t let high insurance costs prevent you from getting the coverage you need. Enter your ZIP code now to begin comparing and shopping for affordable premiums from the top companies.

#1 – Geico: Top Overall Pick

Pros

• Affordable Coverage Options: Geico’s low rates make it one of the cheapest choice for auto insurance in the city. For more details, take a look at our Geico auto insurance review.
• Easy Digital Access: With a highly-rated mobile app, Geico offers convenient management of policies and claims for Baltimore residents on the go.
• Fast Claims Processing: Geico’s streamlined process ensures quick resolution of claims, making it a top choice for efficient coverage in Baltimore.

Cons

• Limited Personalized Service: While Geico is great for low-cost insurance, it may lack the personalized approach that some Baltimore drivers seek.
• Fewer Bundling Opportunities: Compared to other insurers, Geico may not offer as many options for bundling policies to maximize your savings in the Baltimore area.

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#2 – State Farm: Best for Customer Service

Pros

• Top-Notch Customer Service: State Farm’s commitment to excellent customer support makes it one of the most reliable providers of auto insurance for Baltimore drivers.
• Local Expertise: With a wide network of agents, State Farm offers personalized advice tailored to Baltimore’s needs. Peruse our State Farm auto insurance review for details.
• Discounts for Baltimore Drivers: State Farm’s various discounts, such as for safe driving and bundling, make it an affordable option for many in the area.

Cons

• Higher Rates for Younger Drivers: For younger drivers in Baltimore, State Farm may offer less competitive rates compared to other providers.
• Less Customization: Baltimore residents looking for more flexibility in their coverage options might find State Farm’s plans more standardized.

#3 – Erie: Best for Local Agents

Pros

• Great Value for Safe Drivers: Erie provides competitive rates, especially for those with a clean driving history, making it a cost-effective choice for many in Baltimore.
• Local Agents: Erie’s strong network of agents in Baltimore ensures you can get in-person advice tailored to your specific needs.
• Car Rental Coverage: Unique coverage options, such as for car rentals, add value to your auto insurance policy, a key advantage for Baltimore drivers who frequently rent cars.

Cons

• Limited Availability: Erie’s coverage is not available in every state, which can be a drawback if you move outside Baltimore. Read more through our Erie auto insurance review.
• Customer Support Hours: While Erie is reliable, it doesn’t offer 24/7 claims support, which may be inconvenient for some drivers in Baltimore.

#4 – Progressive: Best for Coverage Options

Pros

• Flexible Coverage Options: Progressive’s wide variety of coverage choices makes it ideal for drivers in Baltimore who need a personalized insurance plan.
• Competitive Pricing: Progressive’s pricing structure is often one of the best for auto insurance in Baltimore, especially for those who want affordable yet comprehensive coverage.
• Innovative Tools: With tools like Name Your Price®, Progressive allows Baltimore drivers to tailor their coverage to fit their budget and needs.

Cons

• Complex Pricing Structure: Progressive’s system can be confusing, especially for Baltimore drivers who are new to insurance. Read our Progressive auto insurance review for breakdown.
• Limited In-Person Service: Progressive doesn’t have as many local agents as some competitors, which may make it less appealing to those in Baltimore looking for face-to-face support.

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#5 – Allstate: Best for Agent Network

Pros

• Extensive Agent Network: Allstate’s wide network of agents in Baltimore ensures that you can get personalized service and guidance tailored to your needs.
• Multiple Discounts: With discounts for safe drivers, bundling, and more, Allstate offers many opportunities for Baltimore residents to save on their auto insurance premiums.
• Comprehensive Coverage: Allstate provides a variety of options like accident forgiveness, making it a top choice for drivers seeking extensive protection in Baltimore.

Cons

• Higher Premiums for Riskier Drivers: Allstate’s rates might be higher for drivers with accidents on their record, making it less cost-effective for high-risk drivers in Baltimore.
• Slower Claims Processing: Baltimore residents have reported slower resolution, which may affect the overall experience. Check our entire Allstate auto insurance review for more.

#6 – USAA: Best for Military Families

Pros

• Best for Military Families: USAA is the top choice for military families in Baltimore, offering outstanding coverage and service tailored to their unique needs.
• Highly Competitive Rates: USAA’s affordable pricing makes it a favorite among Baltimore drivers looking for cost-effective auto insurance.
• Excellent Claims Service: With top ratings for claims handling, USAA ensures that military families in Baltimore receive fast and reliable support when they need it most.

Cons

• Exclusively for Military Members: USAA’s services are limited to military families, so it’s not an option for all Baltimore residents. Read more through our USAA auto insurance review.
• Few Local Agents: USAA’s limited network of local agents means that Baltimore drivers may have to rely more on digital service than personalized, in-person consultations.

#7 – Nationwide: Best for Deductible Perks

Pros

• Unique Perks: Nationwide offers perks like vanishing deductibles, making it a great choice for Baltimore drivers who want added benefits.
• Strong Customer Support: Nationwide provides service, with a user-friendly mobile app for managing policies and claims. For deeper details, access our Nationwide auto insurance review.
• Great for Multi-Car Policies: Drivers in Baltimore with multiple vehicles can benefit from significant savings through Nationwide’s multi-car discounts.

Cons

• Higher Rates for Drivers with Claims: Drivers in Baltimore with a history of accidents may find Nationwide’s rates higher than other providers.
• Limited Customization: Baltimore drivers looking for highly customized coverage options may find Nationwide’s plans more restrictive.

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#8 – Travelers: Best for Custom Coverage

Pros

• Customizable Coverage: Travelers provides flexible options for drivers in Baltimore who want to create a policy that matches their specific needs.
• Mobile Convenience: With a well-rated mobile app, Baltimore residents can easily manage their policies and file claims on the go.
• Discounts for Safe Driving: Baltimore drivers who maintain a clean driving record can take advantage of Travelers’ discounts, helping reduce premium costs.

Cons

• Higher Rates for New Drivers: Younger or less experienced drivers in Baltimore may face higher premiums with Travelers.
• Delayed Claims Processing: Some customers in Baltimore have reported longer wait times for claims resolution. Read through our Travelers auto insurance review for details.

#9 – Liberty Mutual: Best for Discount Variety

Pros

• Wide Range of Discounts: Liberty Mutual offers discounts for students, safe drivers, and more, making it a strong contender for affordable coverage in Baltimore.
• Comprehensive Coverage Options: Liberty Mutual provides a variety of add-ons to ensure that Baltimore drivers can find the right coverage for their needs.
• Strong Financial Stability: Known for its financial strength, Liberty Mutual offers reliable claims support, ensuring peace of mind for drivers in Baltimore.

Cons

• Higher Premiums for Riskier Drivers: Drivers with poor records in Baltimore might find the rates less competitive. Read our Liberty Mutual auto insurance review to learn.
• Slow Online Customer Support: Some customers in Baltimore report that Liberty Mutual’s online support can be slow, which may be frustrating for policyholders needing quick assistance.

#10 – The Hartford: Best for AARP Members

Pros

• Exclusive Discounts for AARP Members: The Hartford’s special rates for AARP members make it an ideal option for senior drivers in Baltimore.
• Great Customer Support: The Hartford is known for its excellent customer service, ensuring that Baltimore drivers receive the help they need when they need it.
• Unique Coverage Options: Features like vanishing deductibles provide added value for Baltimore drivers looking for customized policies.

Cons

• Limited Discounts for Non-AARP Members: The Hartford’s discounts are mostly geared toward AARP members, making it less ideal for non-members in Baltimore.
• Higher Premiums for Younger Drivers: Like others, The Hartford’s rates may be less favorable for drivers in Baltimore. Read our The Hartford auto insurance review for more.

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Maryland’s Minimum Auto Insurance Coverage Requirements

You don’t have to look at higher than average state minimums, such as those in Maryland, as a curse. They may be a blessing in disguise, especially when considering auto insurance coverage options that offer greater protection in the event of an accident.

Baltimore, MD Auto Insurance Monthly Rates by Provider & Coverage Level

Opting for higher coverage can ensure you’re adequately covered, potentially saving you from financial hardship in the long run.

After all, the minimum protects you from accidents you cause, and from financial liability if an uninsured motorist hits you. It’s much better than having no protection at all.

Auto Insurance Discounts From the Top Providers in Baltimore, MD

For those who have wondered how much is auto insurance in Maryland, most Maryland drivers are paying around $151 on a monthly basis for their automotive insurance policies.

Baltimore, MD Report Card: Auto Insurance Premiums

However, living in Baltimore can get you low rates starting at $66 per month. Keep reading, and we’ll show you how. Enter your ZIP code now to begin comparing rates.

Baltimore’s Cheap Auto Insurance Cost

Cal Casualty and Allstate car Insurance in Baltimore, MD all want your business. That’s why they’re trying to out-bid other providers with their lowest rates.

But don’t let a cheap price fool you into signing up with a company that doesn’t care about customer service or paying out claims.

When you compare auto insurance companies, it’s important to consider not just the cost but also their reputation for handling claims and providing reliable customer service.

Baltimore, MD Auto Accident & Insurance Claim Statistics

There are a number of select Baltimore car insurance companies to research, such as Maryland Auto Insurance Baltimore, MD, EZ Insurance Baltimore, MD, All Risk Insurance Baltimore, MD, and more.

Auto insurance providers evaluate several different variables when determining Baltimore, MD auto insurance quotes. These include your gender, driving violations, occupation, driving distance to work, and multiple cars and drivers.

Also know that premiums vary among Baltimore, MD auto insurance companies. To make sure you’re still getting cheap car insurance in Baltimore City, you should compare low-cost Baltimore auto insurance quotes right now online. Enter your ZIP code now to begin comparing rates.

Considerations for Affordable Auto Insurance in Baltimore, Maryland

Of course, some or all of these factors below might influence cheap car insurance in Baltimore, MD too:

Your Marital Status

Are you married? Do you both drive cars? Do you happen to own your own home together, or do you have renter’s insurance on a really nice apartment? These factors can all potentially qualify you for car insurance discounts.

Baltimore, MD Auto Insurance Monthly Rates by Provider & Coverage Type

Many insurers offer savings for multi-car policies, bundling auto and home insurance, or having a good driving record. It’s worth checking to see if you can take advantage of these discounts to lower your premiums.

You can combine all of these financial products – assuming you can find an insurance company that offers all of them – and gets some serious bundling discounts.

Your Gender

Gender is one of those things that had a larger influence on your premiums back in the 1950’s than it does today. Some old-fashioned companies do still charge based on gender, though, so the best thing to do is ask questions and try to avoid those companies if at all possible.

Your Driving Distance to Work

While typical Baltimore commute times can span from 20-25 minutes, it is almost equally likely that you could spend 30-35 minutes getting to and from work each way.

Many Baltimore drivers, about 55%, drive their own vehicle in to work each day. However, as many as 35% either carpool or take some other form of public transportation.

If you can avoid listing your vehicle for business on your insurance coverage, you should – otherwise you’ll end up raising your rates by 10% or more.

Other than that, don’t lose sleep over how many miles you drive, or for what reason – it won’t alter your rates all that much so you can still have inexpensive car insurance.

Your Coverage and Deductibles

Your deductible is a flexible way to alter your monthly rate, whether you’re looking for overall insurance discounts or you want to make room in your budget to purchase more coverage.

Baltimore, MD Auto Insurance Monthly Rates by Provider & Driving Record

Just remember that if you do raise your deductible, you’ll need to save up a little emergency money, just to keep yourself from being stranded with no car.

Education in Baltimore, MD

Education is important, even to your auto insurance provider. They are increasingly offering lower rates to drivers with higher forms of education. In Baltimore, the largest percentage of drivers have not yet completed their high school education. A slightly lesser number does have a high school diploma.

There are dozens of different schools which can be found in the immediate Baltimore area for those looking to expand their education. The oldest of which is Towson State University, offering over 90 different degrees on either a bachelor’s or a master’s level.

Baltimore, MD Auto Insurance Monthly Rates by Make & Model

Johns Hopkins, a nationally recognized university, is also located in Baltimore. Additionally, prospective students may want to look into the Maryland Center for Career and Technology Education Studies for a specialized, fast-track degree.

Determining your individual financial risk could be very hard or impossible for the standard insurance shopper. Insurance companies have an edge on consumers due to their statistics and experiential knowledge.

This way, no one will be able to take advantage of you. Enter your ZIP code now to begin comparing rates.