CostOfCity

How Much Does Car Insurance Cost in Baltimore, MD?

Average annual car insurance premium. Updated March 2026 with data from BLS, U.S. Census Bureau, and industry surveys.

Typical Cost Range
$1.296 – $3.240
+8% vs national average
$1.296$2.268$3.240
LowNational avg: $2.100High

Baltimore vs State & National Average

CategoryBaltimoreMaryland AvgNational Avg
Average cost$2.268$2.260$2.100
Low estimate$1.296$1.695$1.575
High estimate$3.240$2.938$2.730

Detailed Cost Breakdown

ItemLowHigh
Liability only$432$972per year
Full coverage$1.296$3.240per year
Good driver discount$-216$-540savings
Young driver surcharge$540$2.160additional

Car Insurance in Nearby Cities

Columbia, MD
$2.730
+30% vs national
Washington, DC
$3.192
+52% vs national
Harrisburg, PA
$1.890
-10% vs national
Dover, DE
$2.016
-4% vs national
Wilmington, DE
$2.142
+2% vs national

Frequently Asked Questions

How much does car insurance cost in Baltimore?

In Baltimore, MD, car insurance typically costs between $1.296 and $3.240. The average is $2.268, which is 8% above the national average.

Is Baltimore expensive for car insurance?

Baltimore has a cost-of-living index of 108 (100 = national average). Car Insurance costs are 8% higher than the national average of $2.100.

What factors affect car insurance costs in Baltimore?

Key factors include local labor costs, cost of materials, market competition, Maryland state regulations, and Baltimore's overall cost of living (index: 108/100). Prices can also vary by season and specific requirements.