CostOfCity

How Much Does Home Insurance Cost in Baltimore, MD?

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

Typical Cost Range
$1.080 – $3.780
+8% vs national average
$1.080$2.430$3.780
LowNational avg: $2.250High

Baltimore vs State & National Average

CategoryBaltimoreMaryland AvgNational Avg
Average cost$2.430$2.421$2.250
Low estimate$1.080$1.816$1.688
High estimate$3.780$3.147$2.925

Detailed Cost Breakdown

ItemLowHigh
Low estimate$1.000$1.200
Average$2.025$2.475
High estimate$2.800$3.500

Home Insurance in Nearby Cities

Columbia, MD
$2.925
+30% vs national
Washington, DC
$3.420
+52% vs national
Harrisburg, PA
$2.025
-10% vs national
Dover, DE
$2.160
-4% vs national
Wilmington, DE
$2.295
+2% vs national

Frequently Asked Questions

How much does home insurance cost in Baltimore?

In Baltimore, MD, home insurance typically costs between $1.080 and $3.780. The average is $2.430, which is 8% above the national average.

Is Baltimore expensive for home insurance?

Baltimore has a cost-of-living index of 108 (100 = national average). Home Insurance costs are 8% higher than the national average of $2.250.

What factors affect home 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.