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baltimore car insurance

Whether you enjoy watching a game at Oriole Park, discovering ancient treasures along the illustrious Antique Row, or chowing down on some of the best crab cakes in the country — there's a reason Baltimore is nicknamed Charm City.

And here at Esurance, we can truly appreciate Baltimore's other nickname — the City of Firsts. After all, we pioneered online auto insurance and offer cutting-edge technology that makes coverage more convenient and the insurance process more transparent. Get a personalized Baltimore car insurance quote online from Esurance to see how we could help you make smart choices with your protection today.

auto insurance discounts in baltimore

Get ready to pick up a celebratory case of Natty Boh, because our already-affordable coverage paired with a bunch of unique discounts could help put some extra cash back in your wallet for the things you love most.

Savings you could qualify for include:

Switch & Save® discount

Switching to Esurance from another car insurance company? As long as you don't have any coverage lapses in between, you can score this discount automatically!

Homeowners discount

This one's pretty simple. If you own your abode in Baltimore, you automatically qualify for this money-saver.

Multi-Car discount

Another easy one to nab! Just insure more than one vehicle on the same Esurance policy and you could save big.

And that's just the beginning! If you already have an Esurance policy and have questions about your discounts, you can contact us 24/7 at 1-800-ESURANCE (1-800-378-7262). Discounts are subject to eligibility.

car insurance coverages

Required coverages

All motorists in Maryland and the rest of Baltimore are required to carry at least the following liability insurance limits:

  • $30,000 of bodily injury liability per person
  • $60,000 of bodily injury liability per incident
  • $15,000 of property damage liability per incident

Liability coverage helps financially protect you if you're found at fault in an accident that results in injury or property damage to another driver.

Personal injury protection (PIP)

Drivers in Maryland are also required to carry $2,500 of PIP coverage, which helps financially protect you regardless of fault in an accident. It can help pay for things like funeral expenses, medical fees, substitute services (a housecleaner, for example), and lost wages if you can't work due to a covered incident.

For more details on your state's unique PIP coverage, visit our Maryland page.

Uninsured motorist coverage

If you or your passengers are involved in an accident with an uninsured driver that results in injury or property damage, uninsured motorist coverage helps financially safeguard you from medical and repair bills coming out of your pocket.

The Old Line State requires all residents carry uninsured motorist coverage at the same minimum limits as your liability coverage:

  • $30,000 of uninsured motorist bodily injury per person
  • $60,000 of uninsured motorist bodily injury per incident
  • $15,000 of uninsured motorist property damage per incident

This coverage also protects you in hit-and-run situations.

optional coverages

Additional coverages like these can help protect you against whatever the road throws your way.


In Maryland, a car is stolen every 36 minutes. In addition to theft and vandalism, comprehensive coverage can help repair or replace your vehicle after a multitude of disasters, including falling debris and glass damage.


Liability coverage can help protect you from paying to repair another person's car after an at-fault accident, but what about your ride? Once you pay your deductible, collision coverage kicks in to repair or place your vehicle if you caused the accident-related damage.

Towing and labor

Whether you're broken down in the middle of nowhere or you locked your keys in your car (again), towing and labor is generally just a few dollars a month and can help prevent some major headaches.

driving in baltimore

Charm City's crash conundrum

Baltimore ranked fifth in a 2013 list of the worst drivers in American cities by Slate. According to the data, there's an average of just over 5 years between accidents for each Baltimorean, which is the fourth-worst rate of recurrence in the country.

The good news, however, is that your city ranked significantly lower than other top offenders for things like pedestrian strikes, fatalities, and DWI deaths.

Backup in Baltimore

The Baltimore area was crammed with an average of almost 1.5 million commuters during peak rush hours in 2011, according to the Texas Transportation Institute's 2012 Urban Mobility Report.

The congestion added up to an average of 41 hours of annual delay per commuter, along with 19 gallons of wasted gas and more than $900 in congestion costs.

local repair shops

A little bumper blunder shouldn't have to set Baltimoreans back, which is why we offer our extensive E-Star® network of repair shops. With repairs that are guaranteed the entire time you own your car, you'll be back on the road (for good) in no time.

A sampling of listings in Baltimore include:

Baltimore Collision Center
2302 N. Howard St.
Phone: 410-889-2991

Service King Collision Repair — Glen Burnie
112 Holsum Way
Phone: 773-227-8300

Jeff & Bud Dansicker
1310 Racquet Rd.
Phone: 410-821-5056

Gerber Collision & Glass of Laurel
1047 Maryland Rt. 3 North
Phone: 410-721-3700

Gerber Collision & Glass of Ellicott City
3420 Ellicott Center Dr.
Phone: 410-418-4600

Gerber Collision & Glass of Laurel
9943 N. Washington Blvd.
Phone: 301-953-1086

And there's more where these came from. You can find even more nearby shops by entering your ZIP Code — simple as that!

Related links

Maryland Insurance Administration
Find important information about car insurance in Maryland.

Maryland homeowners insurance
While you're at it, bundle your Baltimore car insurance with homeowners coverage for a Multi-Policy discount.

Wonder if you could be saving on car insurance?

Get your free quote online.

Or call 1-800-378-7262.