Comparing rates for budget car insurance is not always easy, and deciding which company offers the cheapest insurance rates for inexperienced drivers requires even more perseverance.
Each insurance company has a proprietary formula for determining prices, so we need to take a look at the insurance companies with the most affordable rates in Baltimore. It’s important to know that Maryland insurance rates are influenced by many factors that may substantially change the cost of coverage. Simply turning a year older, increasing deductibles, or getting a driving violation can trigger rate changes resulting in some rates now being more affordable than competitors.
Lowest Insurance Price Quotes for Newbies
USAA generally has some of the lowest car insurance rates in Baltimore at around $920 each year. Erie, Liberty Mutual, Penn National, and State Auto would also be considered some of the best Baltimore, MD car insurance companies.
As illustrated above, if you have coverage with Erie and switched to USAA, you could earn an annual savings of in the neighborhood of $195. Insureds with Liberty Mutual could save as much as $205 a year, and Penn National policyholders might realize rate reductions of up to $206 a year.
To compare your rates to other Maryland insurance companies, click here to begin a quote or click several companies below for low rates.
Bear in mind that those prices are averages for all drivers and vehicles in Maryland and and are not figured with a vehicle location for inexperienced drivers. So the car insurance company that fits your situation best may not even be in the list above. That emphasizes why you need to get quotes using your own driver information and specific vehicle type.
The vehicle model to be insured is one of the largest factors when quoting low-priced auto insurance for inexperienced drivers. Vehicles with economical engines, advanced safety features, or a low likelihood of liability claims will cost less to insure than fast, unsafe models. The next table ranks coverage premiums for a handful of the most budget-friendly vehicles to insure in Maryland.
| Vehicle | Estimated Cost for Full Coverage |
|---|---|
| Hyundai Elantra GLS Touring Station Wagon | $2,551 |
| Chevrolet Malibu Hybrid | $3,022 |
| GMC Sierra SL Extended Cab 2WD | $3,027 |
| Toyota RAV4 Sport 4WD | $3,022 |
| Chevrolet Equinox LS 2WD | $3,027 |
| Nissan Altima 2.5 4-Dr Sedan | $3,022 |
| Dodge Grand Caravan Hero | $3,030 |
| Jeep Wrangler Unlimited Sport Islander Package 4WD 4-Dr | $3,128 |
| Honda CR-V LX 2WD | $3,135 |
| Ford Escape Limited 4WD | $3,175 |
| Chevrolet Silverado LS Extended Cab 2WD | $3,240 |
| Ford F-150 XL Regular Cab 2WD | $3,250 |
| Ford Explorer XLT AWD | $3,284 |
| Chevrolet Silverado 3500HD LT Crew Cab 2WD | $3,302 |
| Ford Edge Limited 2WD | $3,400 |
| Ford Focus SES 2-Dr Coupe | $3,409 |
| Volkswagen Jetta SE 2.5 Station Wagon | $3,421 |
| Honda Accord EX-L 2-Dr Coupe | $3,458 |
| Hyundai Sonata Limited 4-Dr Sedan | $3,465 |
| Kia Optima SX | $3,458 |
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Premium data assumes single female driver age 40, no speeding tickets, no at-fault accidents, $1,000 deductibles, and Maryland minimum liability limits. Discounts applied include multi-vehicle, multi-policy, claim-free, safe-driver, and homeowner. Information does not factor in specific garaging location which can impact coverage rates greatly.
Based upon the table data, we can tell that cars like the Hyundai Elantra, Chevrolet Malibu, and GMC Sierra will be some of the cheapest vehicles to insure for new drivers.
Tickets and at-fault accidents raise rates
The ideal way to snag the best insurance prices for new drivers is to be a safe driver and have a clean driving record. The diagram below shows how traffic citations and at-fault claims drive up yearly insurance costs for different age groups of insureds. Data assumes a married female driver, comp and collision included, $250 deductibles, and no other discounts are factored in.
In the example above, the average cost of a car insurance policy per year with no accidents and a clean driving record is $1,641. Receive two speeding tickets and the average cost surges to $2,334, an increase of $693 each year. Now add two accidents along with the two speeding tickets and the 12-month cost of insurance for inexperienced drivers increases to an average of $4,882. That’s an increase of $3,241, or $270 per month, just for not being a responsible driver!
Best insurance in Baltimore
Finding a high-quality auto insurance provider is hard considering how many different companies there are to choose from in Maryland. The company rank data shown next may help you pick which companies to look at comparing rates from. The ratings below include large insurance companies, so companies with more of a regional focus are not taken into consideration for these rankings.
| Company | Value | Customer Service | Claims | Customer Satisfaction | A.M Best Rating | Overall Score |
|---|---|---|---|---|---|---|
| Travelers | 93 | 98 | 99 | 88% | A++ | 95.1 |
| USAA | 83 | 99 | 100 | 91% | A++ | 94.1 |
| AAA Insurance | 91 | 95 | 92 | 90% | A | 93.3 |
| Nationwide | 85 | 95 | 97 | 89% | A+ | 92.4 |
| Allstate | 77 | 100 | 97 | 88% | A+ | 90.7 |
| State Farm | 80 | 94 | 96 | 88% | A++ | 90.6 |
| The Hartford | 88 | 93 | 91 | 87% | A+ | 90.4 |
| Safeco Insurance | 91 | 95 | 85 | 88% | A | 90.2 |
| Progressive | 88 | 94 | 83 | 88% | A+ | 90.1 |
| American Family | 91 | 86 | 95 | 83% | A | 89.7 |
| Esurance | 86 | 90 | 94 | 90% | A+ | 89.5 |
| The General | 86 | 93 | 89 | 84% | A- | 88.2 |
| GEICO | 79 | 89 | 95 | 87% | A++ | 87.8 |
| Titan Insurance | 86 | 82 | 92 | 86% | A+ | 86.5 |
| 21st Century | 86 | 82 | 90 | 84% | A | 86.4 |
| Compare Rates Now Go | ||||||
Data Source: Insure.com Best Car Insurance Companies
The Baltimore, MD, insurance agents below can aid you in deciding which is the best policy, since lots of drivers aren’t clear which coverage they need and would like to have some advice when shopping for the best coverage for inexperienced drivers. It can be time-consuming to find the cheapest auto insurance company, and insurance agents licensed in the state of Maryland can bring peace of mind knowing your policy gives you adequate protection in case of an accident or claim. To find a Baltimore insurance agent close to where you live, click the button link following the list.
- Nationwide Insurance: Robert Frank Stastny
6822 Harford Rd – Baltimore, MD 21234 – (410) 254-1500 - Austen’s Insurance Inc
3407 Eastern Blvd – Baltimore, MD 21220 – (410) 686-4700 - Scott Garvey – State Farm Insurance Agent
211 Key Hwy – Baltimore, MD 21230 – (667) 309-3792 - John C Bugg III – State Farm Insurance Agent
6711 Belair Rd – Baltimore, MD 21206 – (410) 661-4949
View map of Baltimore, MD insurance agents
How to find cheaper insurance for inexperienced drivers
Lowering your rates is not difficult, and here are some of the recommended money-saving suggestions that can help drivers locate lower-cost auto insurance.
- Higher physical damage deductibles lower rates
- Increase your credit rating
- Buy your auto and home insurance from the same company and save
- Having at-fault accidents will increase rates
- Do not get traffic tickets
- Frequent claims will increase rates
- Compare prices frequently to find the best deal
The last suggestion is very vital, as was noted in the prior information. Coverage rates change frequently, so don’t hesitate to buy a policy from a new company if a better deal can be had.
Brand loyalty is not necessarily bad, but it isn’t a good idea if that devotion results in you overpaying a wad of cash every year. If you have a few minutes, now is a great time to compare prices and find cheaper insurance for inexperienced drivers in Baltimore.