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Find the Best Car Insurance Companies in Baltimore, MD

There were nearly 20,000 car accidents in Baltimore City in 2017. Maryland requires licensed drivers to carry car insurance to help pay for damage and injuries from these crashes. We researched the best car insurance in Baltimore to help you find the lowest rates and greatest coverage.

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  • Quotes from local agents and top car insurance companies
  • Compare the lowest rates
  • Fast and free for all driving records
  • Available in Baltimore
Overall satisfaction rating
  • Name Your Price tool
  • Home & auto bundles
  • Compare rates
  • Available in Baltimore

See car insurance within your budget with the Name Your Price tool. Get a personalized rate based on your driving with Snapshot. 99% of drivers earn at least one of multiple discounts. Insures over 20 million drivers.

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Liberty Mutual
Overall satisfaction rating
  • Covers property damage
  • Motorcycle coverage
  • Bodily injury liability
  • Available in Baltimore

Customizes car insurance so you pay only for what you need. Has add-ons for new vehicle replacement, accident forgiveness and deductible savings. Over 15 types of discounts. Use the app to get ID cards, pay a bill or file a claim.

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Baltimore Insurance Network
  • Online quotes
  • Compare different plans
  • Discounts available
  • Multiple plan options
11 E. Lexington St., 3rd floor
Baltimore, MD 21202
(443) 869-6424
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Pinning Insurance
  • Motorcycle insurance
  • Payment extensions
  • MAIF plans
  • Low down payments
3215 Erdman Ave.
Baltimore, MD 21213
(410) 675-0500
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Farrell Sullivan Insurance
  • M-Sun: 8am - 10pm
  • farrellsullivaninsurance.com
6500 N. Charles St.
Baltimore, MD 21212
(410) 377-5647
Allstate Insurance Agent: Carlos Sanchez
  • M-Th: 9:15am - 6:15pm
  • F: 9:15am - 5:45pm
  • Sat: 9:30am - 1pm
  • Closed Sun
1609 Eastern Ave.
Baltimore, MD 21231
(410) 777-8170
Senate Select Insurace
  • M-F: 8:30am - 5pm
  • Closed Sat and Sun
  • senateinsurance.com
5417 Reisterstown Rd.
Baltimore, MD 21215
(410) 467-8733
Concrete Insurance
  • M-F: 9am - 5pm
  • Sat: 10am - 1pm
  • Closed Sun
  • concreteinsuranceagency.com
1726 Reisterstown Rd., Ste. 219
Baltimore, MD 21208
(410) 580-2800
Woodhome Insurance
  • M-F: 9am - 5pm
  • Closed Sat and Sun
  • woodhomeinsurance.com
6405 Belair Rd.
Baltimore, MD 21206
(410) 433-0313
Kirby Insurance
  • M-F: 8:30am - 4:30pm
  • Closed Sat and Sun
  • kirbyinsurance.com
14 W. Saratoga St., Ste. 100
Baltimore, MD 21201
(410) 837-2320
State Farm Insurance Agent: Scott Garvey
  • M, T, Th, F: 9am - 5pm
  • W: 10am - 5pm
  • Sat: 9am - 12pm
  • scottinsuresbaltimore.com
211 Key Hwy.
Baltimore, MD 21230
(443) 759-4441

Why purchase car insurance in Baltimore?

baltimore skyline

Baltimore can be a very wet city, especially in the late summer and early fall, otherwise known as hurricane season. After a major storm, it’s common to see fallen limbs—even entire trees—in the road, and minor flooding is a fact of life here.

Theft and break-ins are also common hazards. Since most residents have no choice but to park in the street, their cars are exposed to both nature and criminals. Having car insurance in Baltimore reduces your repair costs from damage no matter who or what caused it.

The Maryland Insurance Administration requires all motorists to be insured, and they have strict guidelines for how much coverage you need.

Minimum coverage requirements in Maryland:

  • Bodily injury liability: $30,000 minimum per person / $60,000 minimum per accident
  • Property damage liability: $15,000 minimum
  • Uninsured motorist bodily injury: $30,000 minimum per person / $60,000 minimum per accident
  • Uninsured motorist property damage: $15,000 minimum
  • Personal injury protection: $2,500 minimum (this can be waived depending on your age and driving record)

How much does car insurance cost in Baltimore?

Baltimore car insurance costs vary depending on where you live. In the eight most populated areas of the city, annual premiums for liability-only insurance vary by up to $500 per year based on the ZIP code alone. This is due to accidents rates in these ZIP codes. All of these expensive insurance areas have busy highways or thoroughfares used by commuters and thus have higher accident rates.

A great example is ZIP code 21218, which has Interstate 83 running through it as well as the Howard Street corridor connecting northern and south central Baltimore. Car insurance in this area costs an average of $200 more per year than neighborhoods like Canton or Federal Hill where walking, biking and scooters are the transportation of choice for many residents.

Car Insurance Reviews


Progressive is a popular choice for auto insurance in Baltimore because of their consistently low rates. They offer discounts for multi-line policies, signing up online, paperless billing, automatic payments and safe driving. Since Progressive works with independent insurance agents, there aren’t any local Progressive offices. However, at the claims center in Glen Burnie you can drop your car off for repairs rather than needing to get estimates from other shops.


Liberty Mutual

Liberty Mutual has a small presence in Baltimore, with only one office in the suburb of Towson. Based on customer reviews at both the local and national level, they have a poor reputation for delaying payouts and denying claims for things that should be covered. However, they offer a comprehensive list of discounts, including multi-policy and hybrid vehicle, as well as discounts for the newly graduated, married and retired.

Liberty Mutual

Baltimore Insurance Network

The Baltimore Insurance Network is a local broker that works with a network of insurers to provide customized policies and packages to Maryland residents. They receive consistently high reviews from Baltimore customers who praise their helpfulness and local knowledge.

Baltimore Insurance Network

Pinning Insurance

Pinning Insurance is a small, locally-owned insurance provider in the Clifton neighborhood of Baltimore. They offer guaranteed auto insurance, meaning they’ll cover anyone regardless of their driving history or credit score. Though they only have one office, Pinning Insurance has a reputation for fantastic customer service, and they have some of the lowest rates for the Maryland minimum coverage.

Pinning Insurance