Auto Insurance Baltimore
GEICO can help you find the right car insurance in Baltimore, MD to meet your needs. There are also great benefits by switching to GEICO, including:
- Affordable & competitive auto insurance rates for Baltimore drivers
- Getting an online, fast, and free car insurance quote
- Great customer service
- Here for you 24/7 through the award winning GEICO Mobile app
- Local insurance agents here to assist with your auto insurance questions
Baltimore is the most populous city in Maryland and is home to the National Aquarium and Inner Harbor. Many other tourist attractions draw visitors to this area. There are also several major sports teams that call Baltimore home. With the attractions Baltimore has, the normal traffic can be worse during high tourism season. You'll want to have the right car insurance in Baltimore to protect you. GEICO makes it easy to get great car insurance coverage at a low rate. Get an auto insurance quote online today.
Baltimore Car Insurance Coverage Requirements
Baltimoreans need to make sure their car insurance meets the minimum coverage requirements for the state of Maryland. Minimum auto coverage requirements for Maryland include:
| Coverage Type | Minimum Requirement | What It Covers |
|---|---|---|
| Bodily Injury Liability | $30,000 per person / $60,000 per accident | Helps cover medical expenses for others if you're at fault in an accident. |
| Property Damage Liability | $15,000 | Helps pay for damage you cause to someone else’s property, like their car or fence. |
| Uninsured Motorist Bodily Injury | $30,000 per person / $60,000 per accident | Help cover your medical costs if you're hit by an uninsured driver. |
| Uninsured Motorist Property Damage | $15,000 | Helps pay for your vehicle or property damage caused by an uninsured driver. |
| Personal Injury Protection (PIP) | $2,500* | Helps cover your medical expenses regardless of who’s at fault. |
*Note: Maryland allows you to waive personal injury protection (PIP) and choose a limited PIP option. Please speak with a GEICO representative to discuss this option.
While Maryland requires you to have these minimum limits, everyone's insurance needs are different. Visit our Coverage Calculator to get a personalized recommendation to fit your insurance needs. Additionally, any traffic violation can impact your insurance premiums.
Factors Affecting Car Insurance Rates in Baltimore
Your car insurance premium depends on several factors, including
- your driving history
- the type of vehicle you drive
- how often you’re on the road and
- where you live
In Baltimore, drivers often see higher rates than the Maryland average due to the city’s dense traffic, higher likelihood of accidents, and elevated vehicle theft rates. More congestion and claims activity in urban areas can increase the overall cost of coverage. That said, GEICO offers a variety of car insurance discounts to help Baltimore drivers save.
Baltimore Car Insurance Discounts
Baltimore drivers should have auto insurance that delivers exceptional service along with great value. GEICO offers a variety of Maryland car insurance discounts. Discounts on auto premiums available in the state of Maryland include:
- New Vehicle Discount
- Defensive Driving Discount
- Good Student Discount
- Multi-Policy Discount
- Military Discount
- DriveEasy Discount
As of 2025, Maryland drivers may also qualify for the following Go-Ahead Pricing Program (GAPP) discounts:
- Clean Driving Record Discount
- Auto Pay Discount
- Early Shopper Discount
- Paperless Discount
- Homeownership Discount (not to be confused with the Multi-Policy Discount)
- Internet Quote Discount
Learn how to save more with car insurance discounts that are available to eligible GEICO policyholders in Baltimore, MD.
Baltimore Insurance Agents
We have dedicated insurance agents across Baltimore, ready to answer any questions you have about a GEICO Car Insurance policy. They can also tell you about other great products GEICO offers. You can also reach us 24/7 using GEICO Mobile, our award winning app. Check out how we're making insurance easier in the app with:
- 1 click bill pay
- Digital ID cards
- Emergency Roadside Service, and more
More info on Maryland Car Insurance
To learn more about Maryland auto insurance, please visit our Maryland insurance page. You'll find helpful information about vehicle registration, inspection, and coverage requirements.
