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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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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.

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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.

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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.

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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.

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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.

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