Baltimore Car Insurance Cost – 2025 Rates + Cheapest to Insure

• Average car insurance cost in Baltimore is $2,944 per year, which is 25.6% more than the national average rate of $2,276.
• For cheap car insurance in Baltimore, small SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, Hyundai Venue, and Mazda CX-5 cost less than most other makes and models.
• Auto insurance quotes in Baltimore can range from as low as $38 per month for liability-only insurance to well over $673 per month for drivers requiring a high-risk policy.

How much is car insurance in Baltimore?

Average car insurance rates in Baltimore cost $2,944 per year, or about $245 per month. When compared to the U.S. overall average rate, Baltimore car insurance cost is 25.6% more expensive per year.

The average car insurance expense in Maryland is $2,394 per year, so Baltimore drivers pay an average of $550 more per year than the overall Maryland state-wide average rate. When compared to other cities in Maryland, the cost of insurance in Baltimore is approximately $828 per year more than in Frederick, $472 per year more than in Bowie, and $590 per year more expensive than in Rockville.

The chart below shows a summary of auto insurance rates in Baltimore for 2024 model year vehicles, averaged based on a number of different driver ages, policy physical damage deductibles, and risk scenarios.

Average car insurance rates in the chart range from $2,444 per year for a 40-year-old driver with a great rate thanks to policy discounts to $6,768 per year for a 30-year-old driver who has a few accidents and violations and has to buy a high risk policy.

From a monthly budgeting standpoint, the average cost of car insurance per month in Baltimore ranges from $204 to $564.

Car insurance rates are different for every driver and can also be very different depending on the company. The likelihood of significant rate variability increases the need to get accurate auto insurance quotes when shopping online for a cheaper policy.

Driver age is the one factor that has the largest impact on the cost of auto insurance. The list below illustrates this point by breaking down average car insurance rates in Baltimore for drivers from 16 to 60.

Average car insurance cost for Baltimore drivers age 16 to 60

• 16 year old – $10,483 per year or $874 per month
• 17 year old – $10,156 per year or $846 per month
• 18 year old – $9,104 per year or $759 per month
• 19 year old – $8,291 per year or $691 per month
• 20 year old – $5,924 per year or $494 per month
• 30 year old – $3,140 per year or $262 per month
• 40 year old – $2,944 per year or $245 per month
• 50 year old – $2,610 per year or $218 per month
• 60 year old – $2,444 per year or $204 per month

What vehicles have the cheapest car insurance in Baltimore?

When rates are compared for all models, the vehicles with the cheapest car insurance rates in Baltimore tend to be crossovers and compact SUVs like the Subaru Crosstrek, Kia Soul, Nissan Kicks, and Buick Envision.

Average auto insurance quotes for those compact SUVs cost $2,390 or less per year, or $199 per month, for full coverage.

A few other models that rank very well in the comparison table below are the Volkswagen Tiguan, Subaru Outback, Buick Envista, and Acura RDX. Insurance is somewhat higher for those models than the cheapest small SUVs and crossovers that rank near the top, but they still have average rates of $2,558 or less per year, or $213 per month.

The following table ranks the top 30 models with the cheapest car insurance rates in Baltimore, sorted by annual and monthly insurance cost.

A table of 30 ranked vehicles is great if you just want the lowest rates. A more thorough way to group rates in a logical manner is by sorting them by automotive segment. The following sections break out the vehicles with the cheapest insurance rates for the most popular segments.

Cheapest car insurance rates in Baltimore

The #1 ranking in Baltimore for the lowest-cost insurance in the 2-door and 4-door sedan and hatchback segment is the Toyota GR Corolla, with a cost of $2,558 per year. Second place is the Nissan Leaf at $2,576 per year, the third cheapest is the Honda Civic, at an average of $2,604 per year, and the fourth most affordable is the Nissan Sentra, costing an average of $2,698 per year.

Other cars that have good average insurance rates include the Toyota Corolla, Honda Accord, Toyota Prius, and Chevrolet Malibu, with average insurance cost of $2,868 per year or less.

Additional cars that rank well include the Mazda 3, Mitsubishi Mirage G4, Hyundai Sonata, Volkswagen Arteon, and Toyota Crown, which cost between $2,868 and $3,042 per year to insure in Baltimore.

From a cost per month standpoint, car insurance on this segment in Baltimore starts at around $213 per month, depending on the company and where you live. The rate comparison table below ranks the cars with the most affordable insurance rates in Baltimore, starting with the Toyota GR Corolla at $2,558 per year ($213 per month) and ending with the Mazda 3 at $3,042 per year ($254 per month).

See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.

Don’t see insurance rates for your vehicle? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Baltimore car insurance quotes from the best auto insurance companies in Maryland.

Cheapest SUVs to insure in Baltimore

The top-ranked model in Baltimore for cheapest auto insurance rates in the SUV segment is the Subaru Crosstrek, with a cost of $2,176 per year. Second place is the Chevrolet Trailblazer costing $2,214 per year, third place goes to the Kia Soul, at an average of $2,296 per year, and the fourth cheapest is the Nissan Kicks, costing an average of $2,316 per year.

Rounding out the top 10 are SUVs like the Toyota Corolla Cross, Buick Envision, Mazda CX-5, and Hyundai Venue, with average insurance cost of $2,412 per year or less.

Some additional SUVs that rank well include the Subaru Outback, Subaru Ascent, Kia Niro, Volkswagen Tiguan, and Buick Encore, which cost between $2,412 and $2,562 per year for insurance.

Auto insurance in Baltimore for this segment for a safe driver will start around $181 per month, depending on the company and your location.

When SUV size is factored in, the cheapest compact SUV to insure in Baltimore is the Subaru Crosstrek at $2,176 per year, or $181 per month. For midsize 2024 models, the Honda Passport is the cheapest model to insure at $2,344 per year, or $195 per month. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,764 per year, or $230 per month.

The table below ranks the SUVs with the most affordable insurance in Baltimore.

See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to compare rates for all makes and models.

Is your SUV missing from the table above? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Baltimore car insurance quotes from the best auto insurance companies in Maryland.

Cheapest luxury cars to insure in Baltimore

The three top-ranked luxury cars with the cheapest average auto insurance rates in Baltimore are the Acura Integra at $2,618 per year, the BMW 330i at $2,998 per year, and the Mercedes-Benz CLA250 at $3,030 per year.

Some other luxury cars that have cheaper rates include the Lexus ES 350, Mercedes-Benz AMG CLA35, Genesis G70, and Lexus RC 300, with an average cost to insure of $3,096 per year or less.

Ranked in the lower half of the top 20, cars like the Audi S3, BMW 330e, BMW 228i, Lexus ES 300h, Lexus ES 250, and Lexus IS 350 average between $3,096 and $3,300 per year for auto insurance in Baltimore.

From a cost per month standpoint, car insurance rates in this segment for a good driver will start around $218 per month, depending on your company and location.

The next table ranks the luxury cars with the most affordable auto insurance rates in Baltimore, starting with the Acura Integra at $2,618 per year and ending with the Audi S3 at $3,300 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Maryland.

Cheapest luxury SUV insurance rates in Baltimore

Ranking #1 in Baltimore for the lowest-cost average insurance in the luxury SUV segment is the Acura RDX, costing $2,462 per year. Second place is the Lexus NX 250 costing $2,608 per year, ranking third is the Cadillac XT4, at an average of $2,658 per year, and ranking fourth is the Jaguar E-Pace, costing an average of $2,752 per year.

Additional models that have good average insurance rates include the Lexus NX 350h, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 450h, with average insurance cost of $2,838 per year or less.

Additional luxury SUVs worth mentioning include the Acura MDX, Mercedes-Benz AMG GLB35, Mercedes-Benz GLA250, and Mercedes-Benz GLA35 AMG, which cost between $2,838 and $2,956 to insure per year.

From a cost per month standpoint, full-coverage auto insurance in Baltimore on this segment for a middle-age safe driver can cost as low as $205 per month, depending on your company and location.

When ranked by vehicle size, the cheapest compact luxury SUV to insure in Baltimore is the Acura RDX at $2,462 per year. For midsize luxury models, the Jaguar E-Pace is cheapest to insure at $2,752 per year. And for large luxury SUV models, the Infiniti QX80 is cheapest to insure at $3,300 per year.

The table below ranks the twenty luxury SUVs with the lowest-cost auto insurance rates in Baltimore.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different luxury SUV? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Maryland.

Cheapest pickup truck insurance rates in Baltimore

The four cheapest pickups to insure in Baltimore are the Chevrolet Colorado at $2,592 per year, Nissan Titan at $2,752 per year, Nissan Frontier at $2,782 per year, and Ford Ranger at $2,812 per year.

Not the cheapest, but still in the top 10, are models like the Honda Ridgeline, Hyundai Santa Cruz, GMC Sierra 2500 HD, and Toyota Tacoma, with average cost of $3,026 per year or less.

From a cost per month standpoint, full-coverage car insurance in this segment can cost as low as $216 per month, depending on the company.

The next table ranks the pickups with the cheapest average car insurance rates in Baltimore, starting with the Chevrolet Colorado at $216 per month and ending with the Ram Truck at $284 per month.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see your pickup model? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Maryland.

Cheapest sports car insurance rates in Baltimore

Ranking highest for the cheapest Baltimore car insurance rates in the sports car and performance segment are the Ford Mustang, Subaru WRX, BMW Z4, Toyota GR86, and Mazda MX-5 Miata. Auto insurance prices for these vehicles average $3,300 or less per year.

Some other sports cars that have good average insurance rates include the Subaru BRZ, BMW M2, Lexus RC F, and Nissan Z, with an average car insurance cost of $3,520 per year or less.

From a monthly standpoint, auto insurance on this segment in Baltimore for a safe driver starts at an average of $227 per month, depending on where you live. The rate comparison table below ranks the sports cars with the most affordable auto insurance rates in Baltimore, starting with the Mazda MX-5 Miata at $227 per month and ending with the Porsche Taycan at $415 per month.

Is your vehicle not in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best auto insurance companies in Maryland.

Examples of car insurance price variation

To stress the importance of the amount that auto insurance premiums can vary from one person to the next, the charts below visualize a large range of rates for four popular models in Baltimore: the Toyota Corolla, Nissan Rogue, Honda Pilot, and Toyota Camry.

Each illustration uses a range of risk profiles to illustrate the difference in rates based on minor driver risk profile changes.

Toyota Corolla insurance rates

In Baltimore, the least-expensive insurance quotes for a 2024 Toyota Corolla are on the LE trim, costing an average of $2,610 per year, or about $218 per month. This model costs $21,900.

The most expensive 2022 Toyota Corolla trim to insure in Baltimore is the XSE Hatchback model, costing an average of $3,242 per year, or about $270 per month. The sticker price for this trim is $26,655, before destination and documentation charges.

On a monthly basis, auto insurance rates on a Toyota Corolla for the average driver can range from $218 to $270 per month, depending on the company you’re using in Baltimore.

The next chart visualizes how auto insurance quotes on a Toyota Corolla can change for different driver ages, policy deductibles, and potential risk scenarios.

The Toyota Corolla is part of the compact car segment, and other similar models that are popular in Baltimore include the Honda Civic, Chevrolet Cruze, and Hyundai Elantra.

Nissan Rogue insurance rates

Nissan Rogue insurance in Baltimore costs an average of $2,644 per year, ranging from $2,506 per year for the Rogue S 2WD trim up to $2,770 per year on the Rogue Platinum AWD trim.

When Baltimore car insurance rates on the Nissan Rogue are compared to the national average cost on the same vehicle, the cost is anywhere from $462 to $512 more expensive per year in Baltimore, depending on which trim level is insured.

The next rate chart shows how insurance quotes on a Nissan Rogue can range significantly based on a variety of different driver ages and policy risk profiles. For our example drivers, rates range from $2,196 to $6,044 per year, which is a difference of $3,848 just for changes in rated drivers.

The Nissan Rogue is part of the compact SUV segment, and additional models from the same segment that are popular in Baltimore include the Toyota RAV4, Mazda CX-5, Ford Escape, and Chevrolet Equinox.

Honda Pilot insurance rates

In Baltimore, the cheapest insurance rates on a 2024 Honda Pilot are on the LX trim version, costing an average of $2,680 per year, or about $223 per month. This model has a sticker price of $37,090.

The most expensive 2022 Honda Pilot model to insure in Baltimore is the Elite AWD model, costing an average of $3,044 per year, or around $254 per month. The sticker price for this trim level is $52,480, before documentation and delivery charges.

The next chart visualizes how the cost to insure a Honda Pilot can range considerably based on different driver ages, physical damage coverage deductibles, and driver risk profiles.

For this example, rates range from $2,380 to $6,626 per year, which is a cost difference of $4,246 just for changes in rated drivers.

The Honda Pilot is part of the midsize SUV segment, and other popular same-segment models include the Kia Sorento, Ford Edge, Jeep Grand Cherokee, and Toyota Highlander.

Toyota Camry insurance rates

Costing from $26,420 to $33,120, average Baltimore car insurance rates for a 2024 Toyota Camry cost from $2,910 per year for the Camry LE model up to $3,322 per year for the Camry XSE AWD.

When Baltimore auto insurance rates on a Toyota Camry are compared to the average cost for the entire U.S. on the same model, rates are anywhere from $538 to $614 more per year in Baltimore, depending on which trim level is insured.

The next rate chart might be helpful in explaining how the cost of insurance for a Toyota Camry can be very different based on driver age and common risk profiles.

The Toyota Camry belongs to the midsize car segment, and other models from that segment that are popular in Baltimore include the Nissan Altima, Hyundai Sonata, and Chevrolet Malibu.

Saving money on auto insurance

Baltimore drivers are always searching for ways to reduce the monthly expense for car insurance So study the tips below and it’s very likely you can save a little dough on your next policy.

• Save money by raising deductibles. Raising your physical damage coverage deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
• Avoid filing small claims. Most auto insurance companies offer a discount for not having any claims. Auto insurance should be used for larger claims, not small claims.
• Shop around anytime. Taking the time to get a few free car insurance quotes is the best way to save money. Rates change quite often and you can switch companies very easily.
• Safe drivers have lower car insurance rates. Causing frequent accidents will increase insurance cost, potentially by an extra $4,202 per year for a 20-year-old driver and even as much as $718 per year for a 60-year-old driver. So drive safe and save!
• Compare insurance cost before you buy the car. Different models, and even different trim levels of the same model, have very different costs for insurance, and auto insurance companies can sell policies with a wide range of costs. Get plenty of car insurance quotes before you buy in order to prevent price shock when you receive your bill.
• Get a discount from your job. Most car insurance companies offer discounts for being employed in professions like police officers and law enforcement, emergency medical technicians, doctors, scientists, accountants, high school and elementary teachers, and others. If you qualify, you may save between $88 and $286 on your annual car insurance premium, depending on the age of the driver.
• Choose a vehicle with lower insurance rates. The vehicle you drive has a huge impact on the cost of car insurance in Baltimore. As an example, a Volvo XC40 costs $864 less per year to insure in Baltimore than a Chevrolet Camaro. Lower performance vehicles save money.