Baltimore Auto Insurance Rates, Quotes, Agents & Reviews in MD

Baltimore, MD Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Baltimore, MD, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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If I factor in the insurance costs, which used car should I buy in Baltimore?

Are you a resident of Baltimore, Maryland and are looking for a used car? Are you confused about which car will prove to be the most affordable, as far as upfront costs and insurance rates are concerned? Here is a chart that can help you make an informed decision.

Make and Model Insurance Average ($) Median Price ($) Insurance Percentage (%) Cost of ownership for one year ($)
Toyota Corolla 1,947 12,983 14 14,930
Honda Civic 1,988 13,987 14 15,975
Nissan Altima 2,259 14,950 15 17,209
Honda Accord 2,050 15,600 13 17,650
Toyota Camry 2,369 15,995 14 18,364
Honda CR-V 2,104 17,987 11 20,091
Chevrolet Silverado 1,906 23,987 7 25,893
Ford F-Series 1,871 24,800 7 26,671

Before we try to figure out which is the best car for you, let us first consider the average cost of auto insurance in Baltimore. The average annual auto insurance rate in Baltimore is $ 2158, which is significantly higher than the national average rate. In the state of Maryland, on the other hand, the average annual rate is $ 1528. Though this is less than Baltimore’s insurance average, Maryland is the 19th most expensive state in the United States to buy auto insurance.

Despite the higher insurance costs of cars such as the Corolla and Civic, these are your more affordable options. Compare them to the Chevrolet Silverado or Ford F-Series, and you save more than $10,000 on upfront costs and insurance costs.

If, however, you are in the market for a full-size pickup, you also have the option of buying the Ford F-Series from Macon, Georgia, and having it shipped to Baltimore.  The median price of the Ford F-Series is $ 9976 in Macon. Add the cost of shipping it as well as auto transport insurance, and you still save enough to pay your insurance costs for 4-5 years!

Factors that can influence the cost of car insurance in Baltimore, MD are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Baltimore, MD Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Baltimore, MD with that of other cities in and around Baltimore.

Baltimore Lansdowne Rosedale Brooklyn Park Baltimore Highlands Towson
Average Insurance Rates $1,320 $1,321 $1,342 $1,341 $1,330 $1,410

Baltimore, MD Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Baltimore, MD based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Baltimore $941 $795
Baltimore Highlands $1,838 $1,552
Lansdowne $1,407 $1,188
Brooklyn Park $1,740 $1,469
Rosedale $1,687 $1,425
Arbutus $1,861 $1,572
Dundalk $1,212 $1,024
Towson $1,345 $1,136

Baltimore, MD Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Baltimore, MD usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $4,283
20 Years $1,696
30 Years $1,306
40 Years $1,257
50 Years $1,164
60 Years $1,180
70 Years $1,374

Baltimore, MD Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Baltimore, MD can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $2,323 $317
3 Vehicles $3,485 $475
4 Vehicles $4,646 $634

Savings on 2 Vehicles bundle:$317

Savings on 3 Vehicles bundle:$475

Savings on 4 Vehicles bundle:$634

Baltimore, MD Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Baltimore, MD.

Location Average Insurance Cost Post DUI Insurance Rate
Baltimore $1,320 $2,105
Baltimore Highlands $1,330 $2,120
Lansdowne $1,321 $2,106
Brooklyn Park $1,341 $2,138
Rosedale $1,342 $2,140
Arbutus $1,356 $2,162
Dundalk $1,315 $2,097
Towson $1,410 $2,248

Baltimore, MD Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $1,133
Excellent (740-799) $1,293
Good (670-739) $1,375
Average (580-669) $1,794
Poor (300-579) $2,153

Baltimore, MD Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Matthew Valcich Allstate 6216 Eastern Ave, Baltimore, 21224 (410) 633-0001
Richard John Koch Allstate 1919 York Rd, Timonium, 21093 (410) 931-1400
Anna Ewell T/A Michael F. Diliello Company None 406 S High St, Baltimore, 21202 None
Reeder Insurance And Financial Services Inc Nationwide 8817 Belair Rd STE 204, Nottingham, 21236-2446 (410) 256-6101
Alonzo Howard State Farm 2500 N Rolling Rd Ste 200, Windsor Mill, 21244-2010 410-298-2550
Richard L Anderson Nationwide 57 W Timonium Rd STE 312, Timonium, 21093-3125 (410) 296-5858
Jim Craig Allstate 2829 Odonnell St, Baltimore, 21224 (410) 522-6100
Kirby Insurance Agency Inc Travelers 415 ALABAMA RD, TOWSON, 21204 410-828-8810

Baltimore, MD Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$58 $1,378
Driver's Failure In Showing Documents +$128 $1,448
Driving With An Expired Registration +$136 $1,456
Driving At A Considerably Slow Pace +$286 $1,606
Using A Cellphone While Driving +$302 $1,622
Running A Red Light +$308 $1,628
Speeding +$323 $1,643
Driving A Vehicle Without The Required Permission +$411 $1,731
Driving With An Expired/Suspended License +$890 $2,210

Baltimore, MD Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $1,267
Active Disabling Device $1,267
Tracking Device $1,241
Passive Disabling Device $1,228

Latest Auto Insurance Reviews in Baltimore, MD | Back to Top

State Farm
Seems good so far. Have not had any claims. No issues up to this point. We have only had them for 18 months or so.
i think thy are one of the better companies out there thy have been around a long time and seem ti care about long term customers.People who have not had accidents in long period of time.
Amica Mutual Insurance
I've been very happy with Amica as my car insurance company. I have never had to contact customer service but I am confident they would take care of any problem I have promptly.
For two years, my premium consistently goes up every 6 months and is more expensive through Geico.
I really enjoy the customer service at USAA. There is a reason they are always highly ranked on satisfaction. They are available whenever you need them and are so friendly.
These options can increase your car insurance coverage against the unexpected: Roadside Assistance, Rental Reimbursement, Accident Forgiveness
On the side of customer service is excellent this company are all very friendly and very treatable always attentive to any type of inconvenience on that side for me are the best
There is no local l building like for example physical office. Its based in Texas but not everyone is in Texas. It would be nice to go into a office
I dislike that i would love my premium to be even cheaper for my age i believe it can be ascertained, because the inflation is really getting harder
Root Car Insurance
The company seemed to have some better discounts for school/work type things as well as when you bundled. The coverage seemed all about the same in a general standard offering.
Amica Mutual Insurance
I haven't had any claims since I have had this company, over 6 years now, yet my rate seems to always increase slightly, I am not sure if other companies have the same thing happen, but it is frustrating to see the rate go up.
The premium is the absolute lowest that I could find on the market, but it is still so expensive per year to have insurance
I had gap insurance but they still failed to pay 3500 and I still owe that on my old car
I think my current company offers more and better options at this price point than other companies.