Baltimore Car Insurance

Your Complete Car Insurance Guide for Baltimore

Meg Stefanac | May 23, 2018

Baltimore is located 40 miles northeast of Washington DC, with a population of just under 2.8 million people. Founded in 1729, Baltimore has the second-largest seaport in the mid-Atlantic, and at one time, the city’s Inner Harbor was the second leading port of entry for immigrants.

Today, Baltimore suffers from the decades-long decline in manufacturing, and it has been plagued with a high crime rate in recent years.

Driving in Baltimore can be challenging. Older, narrow roads can become congested and dangerous. And with an average of over 30 inches of snow each winter and frequent freezing rain and sleet, crashes are inevitable.

Every Baltimore driver should be protected with affordable, quality auto insurance to make sure they can recover financially if something goes wrong.

Trusted Choice® Independent Insurance Agents can assess the unique risks you face as a Maryland driver. Our local agents will work hard to find you a Baltimore auto insurance policy that meets your family’s needs and budget.

Cost of Car Insurance in Baltimore 

Did You Know? The average cost of Baltimore car insurance is $250 per month.

Baltimore car insurance costs around $250 per month, on average. But everyone’s car insurance rates are different.

The cost of your Baltimore car insurance policy is based on personal characteristics like the year, make and model of your car; your ZIP code; and your daily commute time. Insurance companies also consider the crime rate in your city as well as other factors.

If your car insurance premiums seem higher than most, it may be because the car you drive costs more to insure. Or your city might have a high rate of auto theft.

But if you think you are paying too much, the best thing you can do is shop around. A local independent insurance agent can get quotes from multiple insurance companies so you can find coverage that is better for your budget.

What does Baltimore car insurance actually do for me? 

Roads in Baltimore can be crowded and congested at any time of day, making car insurance a necessity.

Car insurance helps you pay for vehicle damage and medical bills if you cause an accident. And it can help you repair or replace your car if it is stolen or is damaged in some other way.

The following are types of situations where a Baltimore auto policy can help.

  • Bodily Injury Liability: $30,000 per person, $60,000 per accident required
  • Property Damage Liability: $15,000 required
  • Personal Injury Protection (PIP): $2,500 required

Who pays if the accident wasn’t my fault?

The driver who caused the accident, of course. Approximately 12.4% of Maryland drivers are uninsured. People who drive without insurance likely cannot pay for the damage or injuries if they cause an accident. If a driver who has no car insurance hits you, uninsured motorist coverage pays to fix your vehicle and handle your medical bills. Some states require all drivers to purchase uninsured motorist coverage, and Maryland is included in this list.

What affects the cost of Baltimore auto insurance?

Insurance companies decide how much to charge you for car insurance by evaluating several of your personal characteristics, or risk factors. They want to know how likely you are to get into an accident or file a claim.

The most important factors in calculating the cost of Baltimore car insurance are the following:

  •  Your age
  •  Your gender
  •  Your marital status
  • ·Your driving record
  •  The type of car you drive
  •  Your ZIP code 

More City factors that will Affect Your Rate:

Commute Time

The more time you spend on the road, the more likely it is that you'll be in an accident. For that reason, drivers with longer commute times may pay more for car insurance.

Baltimore drivers spend more time on the road than most, which may lead to higher insurance rates.

  • National average 25.4 minutes
  • Baltimore average 30.4 minutes

Number of Auto Thefts in Baltimore

  • National number of thefts for 1,000 vehicles: 2.94
  • Number of thefts for 1,000 vehicles in Baltimore: 8.96 

Car theft is a serious concern for insurance companies. Car insurance can protect you from the financial consequences of vehicle theft or a break-in. If your car is stolen, you’ll need help replacing your car and everything in it.

Baltimore has a high rate of auto theft compared to the U.S. overall average. This can have an impact on your Baltimore car insurance rates.

If you are a victim of auto theft, your Baltimore car insurance can reimburse you quickly and minimize your worry. But don’t wait until it’s too late to think about auto theft. Take precautions now to secure your car.

  • Always park in safe, well-lit areas.
  • Never leave your car running while unattended.
  • Consider installing a car alarm or another anti-theft device.
  • Always lock your car, even in your own driveway or garage.

 Find Affordable Car Insurance in Baltimore

Trusted Choice Independent Insurance Agents take pride in offering quality, affordable car insurance for Baltimore drivers.

Our agents aren't tied down to one carrier. They can get quotes from numerous insurance companies, so you have a variety of options for affordable coverage.

No matter where you live or what you drive, a Trusted Choice independent agent can help you find affordable Baltimore car insurance today.

Now, who's ready to get their insurance problems solved?