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Last updated: November 12, 2025Best Cheap Car Insurance in Baltimore
GEICO has the cheapest auto insurance in Baltimore at $1,844 annually for full coverage and $905 for minimum coverage.
Cheapest
Editor's Rating:
4.2/5
4.2/5
Average Cost in Baltimore
- Full Coverage Monthly: $154
- Minimum Coverage Monthly: $74
Best for Military/Veterans
Editor's Rating:5/5
5/5
Average Cost in Baltimore
- Full Coverage Monthly: $161
- Minimum Coverage Monthly: $78
Best for Households with Teens
Editor's Rating:5/5
5/5Key Takeaways
- Car insurance in Baltimore costs more than the Maryland average. Drivers in the city can expect to pay an average of $2,976 annually for full coverage and $1,705 for minimum coverage.
- GEICO has the cheapest rates for both full coverage and minimum coverage in Baltimore, while Erie and NJM have the strongest customer service records.
- While average rates can give you an idea of which companies it makes sense to get a quote from, your individual rate will vary based on your driving record, age, vehicle make and model, and other factors.
Our Top Picks for the Best Cheap Auto Insurance in Baltimore
- Cheapest: GEICO
- Best for Military/Veterans: USAA
- Best for Households with Teens: Erie
- Best Major Insurer: State Farm
- Best for Customer Satisfaction: New Jersey Manufacturer (NJM)
Compare the Best Cheap Auto Insurance in Baltimore
| Company | Full Coverage Annual Avg. | Minimum Coverage Annual Avg. | Mid-Atlantic Customer Satisfaction (J.D. Power) |
|---|---|---|---|
| GEICO | $1,844 | $905 | Below average |
| USAA | $1,928 | $934 | Above average |
| Erie | $2,653 | $1,450 | Above average |
| State Farm | $2,831 | $1,537 | Above average |
| NJM Insurance | Data not available | Data not available | Above average |
| Baltimore | $2,976 | $1,705 | – |
Detailed List of the Best Cheap Providers in Baltimore
1. GEICO - Cheapest
4.2
Editor's Rating:
- Average Rate for Minimum Coverage
- $46 mo.
- Average Rate for Full Coverage
- $156 mo.
- Affordable rates for most drivers
- Wide selection of discounts
- Nationwide availability
Limited agent presence- Doesn't underwrite home insurance
Why we chose it
GEICO offers cheap rates across the country, including in Baltimore, where it offers the lowest rates for both full and minimum coverage. It also has a very user-friendly quote and purchase process, which can be done quickly and entirely online. This is ideal for drivers who prefer not to have to speak to an agent. GEICO has a wide variety of discounts to help policyholders save more on premiums, including for new vehicles, homeowners, and safety equipment, as well as its DriveEasy telematics program.
Who it’s best for
Drivers looking for the most affordable rates and who want to be able to purchase a policy online. Military-affiliated drivers and federal employees are also eligible for specific discounts. Drivers who prioritize the personalized service of an agent will likely have a better experience with State Farm, Erie or NJM.
GEICO Baltimore Pricing
| GEICO | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $154 | $75 |
| Annually | $1,844 | $905 |
| Difference from Baltimore average | -38% | -47% |
2. USAA - Best for Military/Veterans
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $36 mo.
- Average Rate for Full Coverage
- $128 mo.
- Exceptional customer service
- Affordable rates
- Military-specific coverages and discounts
- Military eligibility required
- Limited to members
- Fewer branch locations
Why we chose it
USAA is one of the most consistently highly-rated insurers when it comes to customer service, and it also has some of the cheapest average rates in Baltimore. To become a USAA member and access its insurance products, you must be a member of the military, a veteran, or an eligible family member. USAA customers also have access to its support and resources designed for those who are currently serving or have served in the U.S. Armed Forces.
Who it’s best for
Active duty military members, veterans, and family members who are eligible for membership.
USAA Baltimore Pricing
| USAA | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $161 | $78 |
| Annually | $1,928 | $934 |
| Difference from Baltimore average | -35% | -45% |
3. Erie - Best for Households with Teens
5
Editor's Rating:
- Average Rate for Minimum Coverage
- $47 mo.
- Average Rate for Full Coverage
- $153 mo.
- Below-average premiums
- Option to lock in rate
- Online quotes
- Agent-only
- Fewer online features
Why we chose it
Erie is a popular regional provider that offers affordable rates and great customer service. In Baltimore, its rates are below average for full and minimum coverage, and it ranked second for Mid-Atlantic customer satisfaction in J.D. Power’s customer satisfaction study. It’s a particularly good option for families with teen drivers, as it has the cheapest average rates in Maryland for teens (after USAA), as well as a young driver discount. Notably, unlike most providers, its young driver discount does not require teens to maintain a certain GPA.
Who it’s best for
Those with a young driver or drivers on their policy, homeowners looking to bundle home and auto insurance, and drivers who want more unique coverages like new/better car replacement.
Erie Baltimore Pricing
| Erie | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $221 | $121 |
| Annually | $2,653 | $1,450 |
| Difference from Baltimore average | -11% | -15% |
4. State Farm - Best Major Insurer
4.9
Editor's Rating:
- Average Rate for Minimum Coverage
- $54 mo.
- Average Rate for Full Coverage
- $169 mo.
- Local Baltimore agents deliver personalized service
- Highly-rated digital experience
- Great telematics programs
- Must complete quotes by phone
- No accident forgiveness
Why we chose it
State Farm is the only national insurer that ranked above average for the Mid-Atlantic region in J.D. Power’s report, and it also offers below-average rates in Baltimore. It works through local agents, ensuring that customers can easily get questions answered and get help managing their policy if needed. State Farm has two telematics programs, Drive Safe & Save and Steer Clear, the latter of which is designed for drivers under 25. Unlike some other telematics programs, neither of State Farm’s will ever raise your rates — they can only work to get you a discount.
Who it’s best for
Drivers prioritizing customer service who prefer to work with a national insurer, and prefer to work with a local agent.
State Farm Baltimore Pricing
| State Farm | Full coverage | Minimum coverage |
|---|---|---|
| Monthly | $236 | $128 |
| Annually | $2,831 | $1,537 |
| Difference from Baltimore average | -5% | -10% |
5. New Jersey Manufacturer (NJM) - Best for Customer Satisfaction
4.5
Editor's Rating:
- Excellent customer service record
- Strong financial stability ratings
- Many discount opportunities
- New Jersey-focused
- Limited expansion
- Agent-based sales
Why we chose it
NJM is available only in a handful of states, including Maryland. It scored very highly on J.D. Power’s Auto Insurance Study with a score of 721 out of 1,000, ranking first in the Mid-Atlantic region. It also ranked first in J.D. Power’s Claims Satisfaction Study, even surpassing USAA’s score, and has a low NAIC Complaint Index of 0.27. While pricing data is not available for Baltimore specifically, it tends to offer below-average rates in the areas it operates, so it’s worth getting a quote.
Who it’s best for
Customers who prioritize customer satisfaction and claims handling, and who do not need more than standard coverages.
Baltimore Best Cheap Picks — Detailed Customer Satisfaction Summary
| Company | J.D. Power Auto Insurance Study – Mid-Atlantic1 | CRASH Network Report Card2 | J.D. Power Claims Satisfaction3 | NAIC Complaint Index4 |
|---|---|---|---|---|
| GEICO | 643 | C- | 692 | 1.95 |
| NJM Insurance | 721 | C+ | 782 | 0.27 |
| Erie | 706 | A- | 733 | 1.13 |
| State Farm | 639 | C- | 710 | 2.13 |
| USAA | 743 | D+ | 726 | 2.74 |
| Average | 656 (out of 1,000) | C+ | 697 (out of 1,000) | 1 |
| What the study measures | Customer satisfaction regionally, based on responses from over 40,000 customers | Claims handling and payment practices, based on an annual survey of collision repair shops | Satisfaction with the claims process, based on responses from nearly 10,000 customers who recently filed a claim | Consumer complaints relative to market share. The lower the score, the better |
Cheapest Full Coverage Car Insurance in Baltimore
GEICO offers the cheapest full coverage auto insurance for Baltimore drivers, with an average annual premium of $1,844 — 38 percent below the city average. Travelers and USAA also have rates that are significantly below average, at $1,847 per year and $1,928 per year, respectively.
| Company | Annual Baltimore Average | Monthly Baltimore Average |
|---|---|---|
| GEICO | $1,844 | $154 |
| Travelers | $1,847 | $154 |
| USAA | $1,928 | $161 |
| Nationwide | $2,639 | $220 |
| Erie | $2,653 | $221 |
| State Farm | $2,831 | $236 |
| Progressive | $3,356 | $280 |
| Baltimore average | $2,976 | $248 |
| Maryland average | $2,380 | $198 |
| U.S. average | $2,399 | $200 |
Cheapest Minimum Coverage Car Insurance in Baltimore
Drivers in Baltimore looking for minimum coverage can find the lowest average rates from GEICO at $905 per year. USAA and Travelers are once again the next-cheapest options, at $934 annually and $1,026 annually.
| Company | Annual Baltimore Average | Monthly Baltimore Average |
|---|---|---|
| GEICO | $905 | $75 |
| USAA | $934 | $78 |
| Travelers | $1,026 | $86 |
| Erie | $1,450 | $121 |
| State Farm | $1,537 | $128 |
| Nationwide | $1,730 | $144 |
| Progressive | $1,784 | $149 |
| Baltimore average | $1,705 | $142 |
| Maryland average | $1,016 | $85 |
| U.S. average | $635 | $53 |
How Many Car Accidents Happen in Baltimore?
In 2024, there were 15,211 car accidents in Baltimore, according to data from the Maryland Department of State Police.5 Of those, 62 were fatal. Another 5,073 involved injuries, and the remaining 10,076 involved property damage only. The month with the most crashes was October, with 507, followed by May, with 490.
As of August 2025, there have been 8,214 crashes in the city, with 9 fatal accidents and 2,847 that involved injuries.
Minimum Auto Insurance Requirements in Maryland
Maryland drivers are required by law to carry auto insurance with at least the following coverages and limits:
- Bodily injury liability: $30,000 per person/$60,000 per accident
- Property damage liability: $15,000 per accident
- Uninsured/underinsured motorist bodily injury liability: $30,000 per person/$60,000 per accident
- Uninsured/underinsured motorist property damage liability: $15,000 per accident
- PIP: $2,500
Maryland’s minimum coverage limits are a bit higher than some other states, but they still may not be enough to cover damages if you cause an accident. It’s wise to increase your limits and get full coverage if you can afford to.
FYI
Maryland is technically an at-fault state, but it still requires personal injury protection. This can help pay for your own medical expenses after a car accident, regardless of fault.
Frequently Asked Questions
GEICO has the cheapest car insurance in Baltimore, Maryland, with an average annual premium of $1,844 for full coverage and $905 for minimum coverage.
In Baltimore, GEICO is significantly cheaper than Progressive. In fact, GEICO has the cheapest average rates, while Progressive has some of the most expensive. However, you may still get cheaper rates from Progressive based on your individual factors, so it’s always worth getting multiple quotes.
To shop for cheaper car insurance, get quotes from several different companies to see which provides the best bang for your buck. You may consider lowering your liability limits or add-on coverages, which will decrease your quoted rates, but only if you are confident you don’t need them. Then, be sure to ask about any and all discounts you may be eligible for. It’s a good idea to shop around regularly to make sure you’re still getting the best rate.
No, you cannot negotiate your car insurance price. Insurers calculate premiums based on complex, proprietary rating systems that take many factors into account, including your driving history, credit record (in most states), age, location, and more. This lets them assess the risk of insuring you, which impacts how much they charge you. In order to quickly lower your rate, try asking about discounts that could be applied to your policy.
Methodology
At AutoInsurance.com, we evaluate auto insurance providers based on four key factors:
- Price (40%): We analyzed average premiums for full and minimum coverage in Baltimore, Maryland, for good drivers with good credit. Full coverage averages use the following limits:
- Bodily injury liability: $100,000 per person/$300,000 per accident
- Property damage liability: $50,000 per accident
- PIP: $2,500
- Uninsured and underinsured motorist bodily injury: $50,000 per person/$100,000 per accident
- Uninsured/underinsured motorist property damage liability: $15,000 per accident
- Comprehensive and collision: $500 deductible
- Claims Handling (25%): A good claims handling process from an auto insurer is prompt, transparent, and efficient, with clear communication throughout, fair evaluation of damages, and timely payment or resolution. We assess claims practices through sources like the CRASH Network Insurer Report Card and J.D. Power’s Claims Satisfaction Report, and financial strength from sources like AM Best and S&P Ratings. Real-life customer experiences are included when available.
- Customer Experience (25%): We evaluate the ease of the customer journey, from getting a quote and purchasing a policy to making changes or accessing documents. We consider the availability and quality of both online and agent interactions, as well as the functionality of the company’s website and mobile app. Our sources include J.D. Power studies, the NAIC complaint index, BBB ratings, and app store reviews.
- Coverage Options (10%): We review each company’s coverage offerings and value providers with options beyond the state required minimums, like accident forgiveness, gap coverage, rideshare coverage, and more.
Read more about our ratings and methodology.
Citations
It’s Now a Buyer’s Market for Auto Insurance, J.D. Power Finds. J.D. Power. (2025, June 10).
https://www.jdpower.com/business/press-releases/2025-us-auto-insurance-studyInsurer Report Card – Top Rated U.S. Car Insurance Companies for 2025. CRASH Network. (2025).
https://www.crashnetwork.com/irc/Auto Insurance Repair Cycle Times Improve but Price Increases Take a Toll, J.D. Power Finds. J.D. Power. (2024, October 29).
https://www.jdpower.com/business/press-releases/2024-us-auto-claims-satisfaction-studyConsumer Insurance Search Results. NAIC. (2025).
https://content.naic.org/cis_refined_results.htm?TABLEAU=CIS_COMPLAINTS&COCODE=24112&:refreshMaryland Crash Data 2024-Present. Maryland State Police. (2025).
https://mdsp.maryland.gov/Pages/Dashboards/CrashDataDashboard.aspx
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