For a 40-year-old driver with a clean record, Baltimore car insurance averages about $273 a month ($3,270 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 39% above the Maryland average of $197 a month. GEICO has the lowest full-coverage average in Baltimore among insurers open to all drivers, at about $194 a month.
Baltimore is the most expensive large city in Maryland for car insurance, and in our data only Gwynn Oak, just outside the city line, costs more. Our benchmark driver pays about $76 a month more here than the state average, and Baltimore City is the only jurisdiction in our data where full coverage averages more than $3,000 a year.
Our 20 ZIP codes cover the city itself, from Roland Park and Hampden in the north to Canton and Federal Hill on the harbor. Use them as a benchmark for your neighborhood, then compare quotes for your own car.
Cost data comes from the auto rates insurers file with state regulators, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Sept. 29, 2026.
Full coverage in Baltimore averages $3,270 a year, or about $273 a month, for our benchmark driver. Minimum liability at 20/40/15 limits averages $1,530 a year ($128 a month), and 50/100/50 liability with comprehensive and collision averages $3,114 ($260 a month).
GEICO’s Baltimore average is 15% below Progressive’s, which saves our driver about $415 a year. Travelers and Nationwide aren’t in the Quadrant rate data we analyze. Every published 2026 Maryland rate study we reviewed ranks GEICO cheapest statewide, with Travelers or Nationwide often next; our Baltimore estimates are about $211 a month for Travelers and $251 for Nationwide. Minimum-liability averages run from $73 to $245 a month across the insurers we rank.
Full-coverage averages by insurer in Baltimore
Monthly, for the same driver and car. Estimated insurers are in the table below, not the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| USAA (military families) | $608 | $51 | $1,973 | $164 |
| GEICO | $870 | $73 | $2,327 | $194 |
| Progressive | $1,663 | $139 | $2,742 | $229 |
| Erie | $1,364 | $114 | $2,955 | $246 |
| State Farm | $1,735 | $145 | $3,521 | $293 |
| Allstate | $2,937 | $245 | $6,099 | $508 |
| Travelers* | $1,344 | $112 | $2,533 | $211 |
| Nationwide* | $1,749 | $146 | $3,014 | $251 |
| Baltimore average | $1,530 | $128 | $3,270 | $273 |
This table uses Baltimore City ZIP codes only. See how we calculated these rates.
Across the 20 Baltimore ZIP codes we price, full coverage for our driver ranges from about $236 a month in 21210 to $323 in 21216, a gap of $1,039 a year. North Baltimore ZIP codes such as 21210 (Roland Park) and 21211 (Hampden) are the cheapest in our data, while West Baltimore ZIP codes 21216 and 21223 cost the most, about $1,000 a year more for the same driver.
Lowest-priced Baltimore ZIP codes
Highest-priced Baltimore ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Baltimore’s average.
| ZIP Code: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 21201 | $1,459 | $122 | $3,132 | $261 | -4% |
| 21202 | $1,524 | $127 | $3,291 | $274 | About average |
| 21205 | $1,586 | $132 | $3,342 | $279 | +2% |
| 21206 | $1,626 | $136 | $3,457 | $288 | +5% |
| 21209 | $1,405 | $117 | $2,952 | $246 | -10% |
| 21210 | $1,340 | $112 | $2,835 | $236 | -14% |
| 21211 | $1,352 | $113 | $2,878 | $240 | -12% |
| 21212 | $1,368 | $114 | $2,913 | $243 | -11% |
| 21213 | $1,749 | $146 | $3,742 | $312 | +14% |
| 21214 | $1,567 | $131 | $3,327 | $277 | +1% |
| 21215 | $1,694 | $141 | $3,608 | $301 | +10% |
| 21216 | $1,806 | $151 | $3,874 | $323 | +18% |
| 21217 | $1,697 | $141 | $3,657 | $305 | +12% |
| 21218 | $1,588 | $132 | $3,413 | $284 | +4% |
| 21223 | $1,762 | $147 | $3,809 | $317 | +16% |
| 21224 | $1,395 | $116 | $2,988 | $249 | -9% |
| 21229 | $1,443 | $120 | $3,108 | $259 | -5% |
| 21230 | $1,352 | $113 | $2,911 | $243 | -11% |
| 21231 | $1,387 | $116 | $3,015 | $251 | -8% |
| 21239 | $1,495 | $125 | $3,139 | $262 | -4% |
Your ZIP code matters
Raising liability limits from 50/100/50 to 100/300/100 adds about $156 a year in our Baltimore data, with the same $500 deductibles. That buys three times the injury protection per crash and double the property damage limit, which matters in a city where crashes are frequent and injury claims are expensive to settle.
Not for our benchmark driver. Comparing the same insurers in the same Baltimore ZIP codes, full coverage averaged $2,745 a year in rates as of Nov. 30, 2025 and $2,704 as of Aug. 31, 2026, a 1.5% drop. Progressive and Erie each cut their Baltimore averages by more than 8%, and GEICO’s didn’t change. State Farm went the other way: its Baltimore average rose 10.7%, even as it fell elsewhere in Maryland. Allstate isn’t part of that comparison because it joined our Maryland data in 2026.
Insurers price each ZIP code on the claims they expect there. Baltimore’s dense streets and heavy traffic mean more crashes per car, injury claims in the city tend to cost more, and theft and break-ins raise the price of comprehensive coverage.
The jurisdiction data shows how far the city stands apart. Baltimore City averages $3,228 a year for full coverage in our data. Next is Prince George’s County at $2,747, then Baltimore County at $2,651, and 21 of Maryland’s 24 jurisdictions average less than $2,400.
Within the city, your ZIP code moves the price by about $87 a month. The insurer matters even more: Allstate’s Baltimore average is about $314 a month higher than GEICO’s for the same driver and car.
More Maryland cities and towns are in the Maryland rates by city table, and you can compare states on our car insurance rates by state page.
The suburbs cost less. In our data, Towson averages about $209 a month for full coverage, Glen Burnie $201 and Ellicott City $185, and Columbia is about $89 a month cheaper than the city.
Drivers in Baltimore follow Maryland’s rules. To register and drive a car, your policy must include at least:
That’s often written as 30/60/15. You can waive PIP in writing for a lower premium, but you’d give up no-fault coverage for your own medical bills and lost wages. Our Maryland requirements guide covers the details, including the penalties for letting your coverage lapse.
Ready to compare
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
Coverage requirements come from the Maryland Insurance Administration and the Maryland MVA. We refresh these figures when new rate data is released.
For our benchmark driver, full coverage in Baltimore averages about $273 a month ($3,270 a year) and minimum liability about $128 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is 39% above the Maryland average of $197 a month.
GEICO has the lowest full-coverage average among insurers open to all drivers in our Baltimore rate data, at about $194 a month, followed by Progressive at $229. USAA is lower at about $164 a month, but only for military members, veterans and their families. Rates vary by driver, so compare quotes for your own car and ZIP code.
Dense traffic means more crashes, injury claims cost more to settle, and theft and break-ins raise the price of comprehensive coverage. In our data, Baltimore full coverage averages about $273 a month, 39% above the Maryland average, and Baltimore City is the most expensive jurisdiction in the state.
In our data, 21210 has the lowest full-coverage average in Baltimore, at about $236 a month, and 21216 the highest, at about $323. The ZIP code table on this page lists all 20.
In our Baltimore data, full coverage (100/300/100 with $500 deductibles) averages about $273 a month and minimum liability at 20/40/15 limits about $128, a difference of about $145 a month ($1,740 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Baltimore full coverage fell 1.5% between November 2025 and August 2026, from about $2,745 to $2,704 a year.
