- Average car insurance cost in Baltimore is $1,998 per year, which is 27.5% more than the national average rate of $1,567.
- For cheap car insurance in Baltimore, small SUV models like the Mazda CX-5, Nissan Kicks, Nissan Rogue Sport, and Hyundai Venue 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 $1,998 per year, or about $167 per month. When compared to the U.S. overall average rate, Baltimore car insurance cost is 27.5% more expensive per year.
The average car insurance expense in Maryland is $1,374 per year, so Baltimore drivers pay an average of $624 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 $808 per year more than in Frederick, $462 per year more than in Bowie, and $576 per year more expensive than in Rockville.
The chart below shows a summary of auto insurance rates in Baltimore for 2022 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 $1,660 per year for a 40-year-old driver with a great rate thanks to policy discounts to $4,524 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 $138 to $377.
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 – $7,150 per year or $596 per month
- 17 year old – $6,680 per year or $557 per month
- 18 year old – $6,236 per year or $520 per month
- 19 year old – $5,642 per year or $470 per month
- 20 year old – $3,966 per year or $331 per month
- 30 year old – $2,104 per year or $175 per month
- 40 year old – $1,998 per year or $167 per month
- 50 year old – $1,818 per year or $152 per month
- 60 year old – $1,784 per year or $149 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 Mazda CX-5, Chevrolet Trailblazer, Subaru Crosstrek, and Toyota C-HR.
Average auto insurance quotes for those compact SUVs cost $1,666 or less per year, or $139 per month, for full coverage.
A few other models that rank very well in the comparison table below are the Buick Envision, Toyota Corolla Cross, Hyundai Kona, and Kia Seltos. 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 $1,734 or less per year, or $145 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.
| Rank | Make/Model | Annual Cost | Monthly Cost |
|---|---|---|---|
| 1 | Mazda CX-5 | $1,520 | $127 |
| 2 | Nissan Kicks | $1,556 | $130 |
| 3 | Chevrolet Trailblazer | $1,566 | $131 |
| 4 | Subaru Crosstrek | $1,602 | $134 |
| 5 | Honda Passport | $1,604 | $134 |
| 6 | Toyota C-HR | $1,642 | $137 |
| 7 | Chevrolet Colorado | $1,644 | $137 |
| 8 | Buick Encore | $1,652 | $138 |
| 9 | Nissan Rogue Sport | $1,666 | $139 |
| 10 | Hyundai Venue | $1,698 | $142 |
| 11 | Buick Envision | $1,700 | $142 |
| 12 | Kia Seltos | $1,702 | $142 |
| 13 | Ford Maverick | $1,706 | $142 |
| 14 | Acura RDX | $1,710 | $143 |
| 15 | Toyota Corolla Cross | $1,714 | $143 |
| 16 | Subaru Ascent | $1,716 | $143 |
| 17 | Hyundai Kona | $1,726 | $144 |
| 18 | Subaru Forester | $1,728 | $144 |
| 19 | Subaru Impreza | $1,730 | $144 |
| 20 | Mazda MX-5 Miata | $1,732 | $144 |
| 21 | Volkswagen Tiguan | $1,734 | $145 |
| 22 | Chevrolet Spark | $1,740 | $145 |
| 23 | Honda CR-V | $1,748 | $146 |
| 24 | Cadillac XT4 | $1,754 | $146 |
| 25 | Mazda CX-30 | $1,766 | $147 |
| 26 | Ford Ranger | $1,776 | $148 |
| 27 | Honda HR-V | $1,794 | $150 |
| 28 | Ford Edge | $1,800 | $150 |
| 29 | Ford Ecosport | $1,810 | $151 |
| 30 | Chevrolet Trax | $1,830 | $153 |
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 Subaru Impreza, with a cost of $1,730 per year. Second place is the Chevrolet Spark at $1,740 per year, the third cheapest is the Volkswagen Golf, at an average of $1,920 per year, and the fourth most affordable is the Subaru Legacy, costing an average of $1,936 per year.
Other cars that have good average insurance rates include the Toyota Camry, Kia K5, Honda Insight, and Toyota Corolla, with average insurance cost of $1,964 per year or less.
Additional cars that rank well include the Chevrolet Malibu, Toyota Prius, Kia Forte, Kia Rio, and Hyundai Veloster, which cost between $1,964 and $2,076 per year to insure in Baltimore.
From a cost per month standpoint, car insurance on this segment in Baltimore starts at around $144 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 Subaru Impreza at $1,730 per year ($144 per month) and ending with the Chevrolet Malibu at $2,076 per year ($173 per month).
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Subaru Impreza | Compact | $1,730 | $144 |
| Chevrolet Spark | Compact | $1,740 | $145 |
| Volkswagen Golf | Compact | $1,920 | $160 |
| Subaru Legacy | Midsize | $1,936 | $161 |
| Volkswagen Jetta | Compact | $1,940 | $162 |
| Honda Insight | Midsize | $1,942 | $162 |
| Nissan Sentra | Compact | $1,948 | $162 |
| Kia K5 | Midsize | $1,962 | $164 |
| Toyota Corolla | Compact | $1,962 | $164 |
| Toyota Camry | Midsize | $1,964 | $164 |
| Kia Rio | Compact | $1,972 | $164 |
| Volkswagen Passat | Midsize | $1,974 | $165 |
| Honda Civic | Compact | $1,978 | $165 |
| Mazda 3 | Compact | $1,986 | $166 |
| Mazda 6 | Midsize | $1,990 | $166 |
| Toyota Prius | Compact | $1,994 | $166 |
| Hyundai Accent | Compact | $2,024 | $169 |
| Hyundai Veloster | Compact | $2,040 | $170 |
| Kia Forte | Compact | $2,044 | $170 |
| Chevrolet Malibu | Midsize | $2,076 | $173 |
A few of the more popular models that have more expensive auto insurance rates than those above include the Volkswagen GTI at an average of $2,000 per year, the Volkswagen Jetta at an average of $1,902, and the Chrysler 300 at $2,088.
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 Mazda CX-5, with a cost of $1,520 per year. Second place is the Nissan Kicks costing $1,556 per year, third place goes to the Chevrolet Trailblazer, at an average of $1,566 per year, and the fourth cheapest is the Honda Passport, costing an average of $1,604 per year.
Rounding out the top 10 are SUVs like the Buick Encore, Toyota C-HR, Hyundai Venue, and Nissan Rogue Sport, with average insurance cost of $1,700 per year or less.
Some additional SUVs that rank well include the Hyundai Kona, Ford Edge, Mazda CX-30, Kia Seltos, and Toyota Corolla Cross, which cost between $1,700 and $1,800 per year for insurance.
Auto insurance in Baltimore for this segment for a safe driver will start around $127 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 Mazda CX-5 at $1,520 per year, or $127 per month. For midsize 2022 models, the Honda Passport is the cheapest model to insure at $1,604 per year, or $134 per month. And for large SUVs, the Chevrolet Tahoe has the most affordable rates at $2,004 per year, or $167 per month.
The table below ranks the SUVs with the most affordable insurance in Baltimore.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda CX-5 | Compact | $1,520 | $127 |
| Nissan Kicks | Compact | $1,556 | $130 |
| Chevrolet Trailblazer | Compact | $1,566 | $131 |
| Subaru Crosstrek | Compact | $1,602 | $134 |
| Honda Passport | Midsize | $1,604 | $134 |
| Toyota C-HR | Compact | $1,642 | $137 |
| Buick Encore | Compact | $1,652 | $138 |
| Nissan Rogue Sport | Compact | $1,666 | $139 |
| Hyundai Venue | Compact | $1,698 | $142 |
| Buick Envision | Compact | $1,700 | $142 |
| Kia Seltos | Compact | $1,702 | $142 |
| Toyota Corolla Cross | Compact | $1,714 | $143 |
| Subaru Ascent | Midsize | $1,716 | $143 |
| Hyundai Kona | Compact | $1,726 | $144 |
| Subaru Forester | Compact | $1,728 | $144 |
| Volkswagen Tiguan | Compact | $1,734 | $145 |
| Honda CR-V | Compact | $1,748 | $146 |
| Mazda CX-30 | Compact | $1,766 | $147 |
| Honda HR-V | Compact | $1,794 | $150 |
| Ford Edge | Midsize | $1,800 | $150 |
Some of the more popular non-luxury SUVs that did not make the cut include the Toyota Highlander costing an average of $2,008 per year ($167 per month), the Ford Escape at $1,966 ($164 per month), and the Subaru Outback costing an average of $1,832 ($153 per month).
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 ILX at $1,838 per year, the Mercedes-Benz A220 at $1,964 per year, and the BMW 330i at $2,110 per year.
Some other luxury cars that have cheaper rates include the BMW 228i, Lexus RC 300, BMW 230i, and Alfa Romeo Giulia, with an average cost to insure of $2,214 per year or less.
Ranked in the lower half of the top 20, cars like the Audi S3, Cadillac CT5, Audi A3, Mercedes-Benz AMG CLA45, Mercedes-Benz AMG CLA35, and Cadillac CT4 average between $2,214 and $2,320 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 $153 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 ILX at $1,838 per year and ending with the Audi S3 at $2,320 per year.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura ILX | Midsize | $1,838 | $153 |
| Mercedes-Benz A220 | Compact | $1,964 | $164 |
| BMW 330i | Compact | $2,110 | $176 |
| Acura TLX | Compact | $2,122 | $177 |
| Volvo S60 | Compact | $2,142 | $179 |
| BMW 330e | Compact | $2,150 | $179 |
| BMW 228i | Compact | $2,162 | $180 |
| BMW 230i | Compact | $2,176 | $181 |
| Lexus RC 300 | Midsize | $2,212 | $184 |
| Alfa Romeo Giulia | Compact | $2,214 | $185 |
| Cadillac CT4 | Compact | $2,220 | $185 |
| Lexus RC 350 | Compact | $2,224 | $185 |
| Genesis G70 | Compact | $2,254 | $188 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,266 | $189 |
| BMW i4 | Midsize | $2,278 | $190 |
| Cadillac CT5 | Midsize | $2,286 | $191 |
| Audi A3 | Midsize | $2,310 | $193 |
| Audi A4 | Compact | $2,314 | $193 |
| Mercedes-Benz AMG CLA45 | Midsize | $2,318 | $193 |
| Audi S3 | Compact | $2,320 | $193 |
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 $1,710 per year. Second place is the Cadillac XT4 costing $1,754 per year, ranking third is the Volvo XC40, at an average of $1,922 per year, and ranking fourth is the Cadillac XT5, costing an average of $1,964 per year.
Additional models that have good average insurance rates include the BMW X1, Lexus NX 350, Lexus UX 250h, and Lexus UX 200, with average insurance cost of $2,042 per year or less.
Additional luxury SUVs worth mentioning include the Lexus RX 450h, Mercedes-Benz GLB 250, Lexus RX 350, and Lincoln Nautilus, which cost between $2,042 and $2,114 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 $143 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 $1,710 per year. For midsize luxury models, the Cadillac XT5 is cheapest to insure at $1,964 per year. And for large luxury SUV models, the Volvo XC90 is cheapest to insure at $2,162 per year.
The table below ranks the twenty luxury SUVs with the lowest-cost auto insurance rates in Baltimore.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Acura RDX | Compact | $1,710 | $143 |
| Cadillac XT4 | Compact | $1,754 | $146 |
| Volvo XC40 | Compact | $1,922 | $160 |
| Cadillac XT5 | Midsize | $1,964 | $164 |
| Lexus NX 250 | Compact | $1,986 | $166 |
| BMW X1 | Compact | $1,990 | $166 |
| Lexus NX 350h | Compact | $2,000 | $167 |
| Lexus UX 250h | Compact | $2,002 | $167 |
| Lexus NX 350 | Compact | $2,034 | $170 |
| Lexus UX 200 | Compact | $2,042 | $170 |
| Jaguar E-Pace | Midsize | $2,046 | $171 |
| Lexus RX 350 | Midsize | $2,056 | $171 |
| Acura MDX | Midsize | $2,066 | $172 |
| Lincoln Nautilus | Midsize | $2,086 | $174 |
| Lexus NX 450h | Compact | $2,090 | $174 |
| Mercedes-Benz GLB 250 | Compact | $2,100 | $175 |
| Lexus RX 450h | Midsize | $2,104 | $175 |
| Infiniti QX50 | Midsize | $2,112 | $176 |
| Land Rover Evoque | Compact | $2,112 | $176 |
| Lincoln Corsair | Compact | $2,114 | $176 |
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 $1,644 per year, Ford Maverick at $1,706 per year, Ford Ranger at $1,776 per year, and Toyota Tacoma at $1,854 per year.
Not the cheapest, but still in the top 10, are models like the Hyundai Santa Cruz, GMC Canyon, Honda Ridgeline, and Ford F150, with average cost of $1,964 per year or less.
From a cost per month standpoint, full-coverage car insurance in this segment can cost as low as $137 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 $137 per month and ending with the GMC Sierra 3500 at $196 per month.
| Make/Model | Vehicle Size | Annual Cost | Monthly Cost |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,644 | $137 |
| Ford Maverick | Midsize | $1,706 | $142 |
| Ford Ranger | Midsize | $1,776 | $148 |
| Toyota Tacoma | Midsize | $1,854 | $155 |
| Nissan Frontier | Midsize | $1,900 | $158 |
| Hyundai Santa Cruz | Midsize | $1,920 | $160 |
| GMC Canyon | Midsize | $1,922 | $160 |
| Ford F150 | Full-size | $1,930 | $161 |
| Honda Ridgeline | Midsize | $1,944 | $162 |
| Jeep Gladiator | Midsize | $1,964 | $164 |
| GMC Sierra | Full-size | $2,032 | $169 |
| Nissan Titan | Full-size | $2,110 | $176 |
| Chevrolet Silverado | Full-size | $2,146 | $179 |
| Toyota Tundra | Full-size | $2,148 | $179 |
| Ford F350 Super Duty | Heavy Duty | $2,168 | $181 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,184 | $182 |
| Nissan Titan XD | Heavy Duty | $2,242 | $187 |
| Ram Truck | Full-size | $2,282 | $190 |
| GMC Sierra 2500 HD | Heavy Duty | $2,332 | $194 |
| GMC Sierra 3500 | Heavy Duty | $2,348 | $196 |
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 BMW Z4, Toyota GR86, Subaru WRX, Ford Mustang, and Mazda MX-5 Miata. Auto insurance prices for these vehicles average $2,328 or less per year.
Some other sports cars that have good average insurance rates include the BMW M3, Audi TT, Chevrolet Corvette, and Subaru BRZ, with an average car insurance cost of $2,588 per year or less.
From a monthly standpoint, auto insurance on this segment in Baltimore for a safe driver starts at an average of $144 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 $144 per month and ending with the Lexus LC 500 at $274 per month.
| Make/Model | Vehicle Type | Annual Cost | Monthly Cost |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,732 | $144 |
| Ford Mustang | Sports Car | $2,106 | $176 |
| BMW Z4 | Sports Car | $2,150 | $179 |
| Subaru WRX | Sports Car | $2,270 | $189 |
| Toyota GR86 | Sports Car | $2,328 | $194 |
| Toyota GR Supra | Sports Car | $2,382 | $199 |
| Audi TT | Sports Car | $2,434 | $203 |
| Subaru BRZ | Sports Car | $2,506 | $209 |
| Chevrolet Corvette | Sports Car | $2,514 | $210 |
| BMW M3 | Sports Car | $2,588 | $216 |
| Porsche 718 | Sports Car | $2,698 | $225 |
| Chevrolet Camaro | Sports Car | $2,768 | $231 |
| Lexus RC F | Sports Car | $2,836 | $236 |
| Dodge Challenger | Sports Car | $2,840 | $237 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,884 | $240 |
| Jaguar F-Type | Sports Car | $3,018 | $252 |
| Porsche Taycan | Sports Car | $3,098 | $258 |
| Porsche 911 | Sports Car | $3,174 | $265 |
| BMW M4 | Sports Car | $3,182 | $265 |
| Lexus LC 500 | Sports Car | $3,292 | $274 |
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 2022 Toyota Corolla are on the L trim, costing an average of $1,868 per year, or about $156 per month. This model costs $20,175.
The most expensive 2022 Toyota Corolla trim to insure in Baltimore is the XSE Apex Edition model, costing an average of $2,058 per year, or about $172 per month. The sticker price for this trim is $28,460, before destination and documentation charges.
On a monthly basis, auto insurance rates on a Toyota Corolla for the average driver can range from $156 to $172 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 $1,956 per year, ranging from $1,800 per year for the Rogue S 2WD trim up to $2,108 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 $428 to $500 cheaper 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 $1,622 to $4,436 per year, which is a difference of $2,814 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 2022 Honda Pilot are on the Sport trim version, costing an average of $1,890 per year, or about $158 per month. This model has a sticker price of $37,580.
The most expensive 2022 Honda Pilot model to insure in Baltimore is the Black Edition model, costing an average of $2,136 per year, or around $178 per month. The sticker price for this trim level is $51,370, 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 $1,680 to $4,626 per year, which is a cost difference of $2,946 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 $25,395 to $32,920, average Baltimore car insurance rates for a 2022 Toyota Camry cost from $1,834 per year for the Camry LE model up to $2,158 per year for the Camry XSE Hybrid.
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 $432 to $512 less 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 $236 per year for a 40-year-old driver and $456 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 $2,780 per year for a 20-year-old driver and even as much as $602 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 $60 and $208 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 $846 less per year to insure in Baltimore than a Chevrolet Camaro. Lower performance vehicles save money.
