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Cheapest Auto Insurance in Baltimore, MD

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CityInsurance Rate

Car Insurance Rates by Segment

SegmentInsurance Rate
All Teens$5456
Female Teens$4885
Male Teen$5922
All Women$2030
Married Women$1924
All Men$3151
Married Men$2897

SR-22 Car Insurance Rates after DUI

CityInsurance Rate
Brooklyn Park$3627

Baltimore is one of the nation’s oldest cities – it sits in the original 13 colonies of the country. Baltimore is famous for its various sports teams and its large port system – the economy is built off trade and general commerce. If you’re someone who lives in the area, you know how important it is to have a car to get around. But vehicle insurance is getting more and more expensive – it’s important that you find a quote that fits your budget.

Our company helps you find cheap auto insurance rates in Baltimore, Maryland. We’ll also provide you with some great tips on local laws and ways to stay safe when driving on the roads in the city. Make sure to check it out below!

Baltimore: Driving Conditions in the City

Traffic is always a risk in Baltimore – it’s a large city and suffers from many of the same congestion issues that many large cities in the country face. If you’re going to drive in Baltimore, make sure that you check how bad the traffic is before you begin your journey. You should always be aware of major problems that can occur on motorways around the city. Be careful when driving through traffic.

In addition, Baltimore can be on the receiving end of extremely harsh winters. If you want to avoid an accident, one of the best things to do is keep an eye on weather reports and warnings from local officials. Snow and ice can create serious problems on the roads in Baltimore – don’t drive in conditions you don’t think you can handle.

Driving Safely in Baltimore, Maryland

If you’re going to drive in Baltimore, it’s important that you’re also aware of local rules and regulations. You don’t want to be in a position where you end up in an accident because you were not aware of local regulations. Following laws don’t only keep you safe, they also prevent you from receiving expensive fines and citations. The cleaner your driving record is, the more likely you will be able to receive a good online car insurance quote. We’ll check out the local road laws below:

Phone/Handheld Laws in Baltimore

Phone and handheld laws in Baltimore are extremely strict. You cannot use a phone for any purpose, no matter how old you are – this includes texting and calling. If you are over the age of 18, you can use audio to speak to people while you are driving. If you are under this age, you cannot.

Distracted driving is an increasingly problematic issue on American roads, so it comes as no surprise that officials in Maryland and Baltimore want to crack down on the problem. Make sure to keep your phone secured while you drive – it’s not worth the risks and can also result in massive fines.

Seatbelt Laws in Baltimore

Seatbelt laws in Baltimore are very straightforward – you must wear a seatbelt anywhere in the state of Maryland. It does not matter how old you are or where you are seated – a seatbelt must be used to secure your while driving. This make Baltimore, and Maryland as a whole, one of the strictest areas in the United States in terms of seatbelt laws.

Helmet Laws in Baltimore

Helmet laws in Baltimore are also very similar to seatbelt laws in the city – you must wear a helmet no matter where you are seated in the vehicle. If you want to avoid getting in trouble, wear a helmet whenever you are riding your motorcycle – the same goes for passengers. In addition, not wearing a helmet can result in a serious injury, so make sure to take this rule seriously.

Alcohol and Drug Laws (Driving)

There are two subsections of impairment laws in Baltimore – they are dictated by the state of Maryland. You can receive a DUI (Driving Under the Influence) and DWI (Driving While Intoxicated).

If you have a blood alcohol content of over .08, you can be given a DUI. This can result in jail for a year and up to $1,000 in fines. There are also the insurance costs that many people don't think about. It will be much more expensive however we can help you get a SR22 car insurance quote. If you have a BAC of .07 or higher, you can receive a DWI. Limits are lowered to .04 for those driving commercial vehicles. This can result in a jail sentence of two months and $500 in fines. Keep in mind, if you have an underage child in your vehicle and you receive a DUI or DWI, punishments can be enhanced severely. In addition, if it is not your first DUI or DWI, punishment will also vary.

Some people choose to refuse breath tests when asked by an officer. If this is the case, you will likely be forced to have an interlock device attached to your car to prevent you from driving if you have alcohol on your breath. People convicted of impaired driving will typically also receive one of these devices.

Cheapest Auto Insurance in Baltimore Maryland

Baltimore Statistics

Maryland actually has safer roads than the average American state, but this isn’t to say that they don’t have their own issues. While numbers appear to be on the decline — perhaps due to how strict local laws are — there are still hundreds of deaths on the roads each year. In fact, in 2014, there were over 400 deaths on roads in Maryland – a significant number given the state is quite small. For this reason, it’s important to be as careful as possible while driving on roads in Maryland.


As you can tell, there are plenty of reasons to exercise safety precautions while driving on roads in Maryland. If you want to avoid any issues while driving, it’s important to follow local rules and regulations – it can increase your chances of avoiding accidents, as well as save money in the long run. If you’re looking cheap car insurance in Maryland, it’s important to compare cheap insurance quotes from multiple different providers. We have a long list of insurance companies that we work with – make sure to check them out on our site.

We also have plenty of other content related to auto insurance and similar subjects – make sure to check out some of the content on our site.

Car Insurance Companies in Baltimore

cheap car insurance companies near me
Map data © 2021 Google.

Baltimore Insurance Network

11 East Lexington Street 3rd floor, Baltimore, MD 21202, United States

(443) 869-6424


Maryland Auto Insurance (the new MAIF)

1215 E Fort Ave #300, Baltimore, MD 21230, USA

(800) 492-7120


Goad Insurance Agency

3229 Erdman Ave, Baltimore, MD 21213, USA

(410) 558-0396


Senate Select Insurance

5417 Reisterstown Rd, Baltimore, MD 21215, USA

(410) 358-0411


Woodhome Insurance

918 S Potomac St, Baltimore, MD 21224, USA

(410) 580-2800


Concrete Insurance

6405 Belair Rd, Baltimore, MD 21206, USA

(410) 433-0313

Auto Body Shops in Baltimore

Auto Body Shops in Baltimore,Maryland
Map data © 2021 Google.

Baltimore Body Shop & Service

2720 Sisson St #1, Baltimore, MD 21211, USA

(410) 889-2262


Leading Edge Auto Body & Mechanical Repair

5807 Falls Rd, Baltimore, MD 21209, USA

(410) 433-6433


Izee Autobody

3023 Hamilton Ave, Baltimore, MD 21214, USA

(443) 467-4889

No website found


Moore's Body Shop

800 W Patapsco Ave # A, Baltimore, MD 21230, USA

(410) 355-6232


Yoon's Body Shop

4423 Belair Rd, Baltimore, MD 21206, USA

(410) 488-8555


Day's Auto Body Inc

7 S Central Ave, Baltimore, MD 21202, USA

(410) 675-4576

No website found

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