Car insurance in Baltimore, Maryland Elephant protecting blue car. No one protects like Elephant.

Car insurance in Baltimore, MD

Affordable and reliable car insurance protection for Baltimore drivers

Affordable, reliable car insurance in Baltimore, MD

Baltimore, Maryland, USA Skyline on the Inner Harbor at duskBaltimore is a major city in the Mid-Atlantic region of the United States. It’s the 27th-most populous city in the country and the largest city in Maryland. Baltimore was founded in 1729 and was originally known as “Baltimore Town.” The city quickly grew as a major port city and became an important manufacturing center during the Industrial Revolution. Today, Baltimore is a major center for healthcare, education, and tourism. It’s home to Johns Hopkins University, the University of Maryland, Baltimore, and the Baltimore Museum of Art.

When it comes to car insurance, every state has different requirements. Make sure your car insurance meets Maryland’s insurance requirements. Visit our Maryland car insurance page for more details on coverage requirements.

Elephant offers competitive car insurance rates and great service through the Elephant mobile app, online quote, online agent chat, or talk to an agent by phone. Get your personalized car insurance quote today.


Factors affecting car insurance rates

There are many factors that can affect car insurance premiums, including:

  • Your age: Younger, inexperienced drivers are generally considered to be higher risk drivers and may pay more for insurance.
  • Your driving record: Drivers with a clean driving record will typically pay less for car insurance than drivers with a history of accidents or traffic violations.
  • Your car: The make, model, and year of your car can affect your car insurance premiums. Cars that are more expensive to repair or replace may have higher premiums.
  • Your location: The cost of car insurance varies from state to state and even from city to city. Drivers in urban areas typically pay more for car insurance than drivers in rural areas.
  • Your deductible: The higher your deductible, the lower your monthly premiums will be.
  • The type of coverage you choose: The more coverage you choose, the higher your premiums will be. However, it’s important to have enough coverage to help protect yourself financially in the event of an accident.

How does your vehicle affect your car insurance?


Car insurance and rental vehicles

Before renting a car, it’s important to understand how car insurance coverage works. Check with your insurance provider to determine if your policy extends to rental vehicles.

Rental reimbursement coverage


More questions about Baltimore car insurance?

How can I find affordable car insurance?


A few ways to find affordable car insurance include: maintaining a good driving record, considering higher deductibles, and taking advantage of available car insurance discounts.

How can I lower my car insurance rate?


Here are some tips on how to lower the price of your car insurance:

  • Maintain a good driving record. Your driving record factors into the price of your car insurance. If you have a clean driving record, you’ll likely get a lower rate than someone who has been in accidents or received traffic tickets.
  • Increase your deductible. This is the amount of money you have to pay out of pocket before your insurance company will cover a claim. Increasing your deductible can help save you money on your premiums, but it’s important to make sure you can afford to pay the deductible if you need to make a claim.
  • Bundle your insurance policies. If you have other insurance policies with the same company, such as homeowners insurance or renters insurance, you may be able to get a discount on your car insurance.
  • Get a multi-car discount. If you insure more than one vehicle on one policy with Elephant, you’ll get a multi-car discount.
  • Pay your premiums in full. If you pay your full insurance premiums in one or two payments, you could qualify for Elephant’s pay-in-full discount.
  • Get a discount for driving safely. Safe driving adds up to extra savings with our claims free discount. This discount is automatically applied when all drivers on the policy have avoided causing an accident for at least five years.

Car insurance discounts

How to get car insurance quotes?


Save time getting a car insurance quote by providing the information below.

  • A valid driver’s license.
  • The year, make and model of your car or cars, OR the vehicle identification number/s (VIN).
  • The address where you live and where your car will be kept.

Are there any additional coverage options I should consider for car insurance?


In addition to the insurance requirements in Maryland, consider adding the following coverages for expanded financial protection.

  • Collision coverage: This type of coverage helps pay for the damage to your own car if you are in an accident. It’s not required by law in Maryland, but it’s often required by lenders if you finance the purchase of a new car.
  • Comprehensive coverage: This type of coverage helps pay for the damage to your own car if it’s stolen or damaged by something other than a collision, such as fire, theft, vandalism, or hail. It’s not required by law in Maryland, but it can be a good idea to have, especially if you live in an area where these types of events are common.
  • Rental reimbursement coverage: This type of coverage can help pay for the cost of a rental car if your car is in the shop for repairs after an accident. It’s not required by law in Maryland, but it can be a good idea to have, especially if you need your car for work or other essential activities.
  • Loan/lease payoff coverage: This type of insurance can help pay towards a remaining balance owed on a car loan or a lease after a vehicle is declared a total loss. It’s not required by law in Maryland, but it can be a good idea to have if you have a large car loan or if your car is close to being paid off.
  • Roadside assistance: This coverage provides you with roadside assistance services, such as towing, jump starts, and lockouts. It’s not required by law in Maryland, but it can be a good idea to have to help get you back on the road sooner.

Comprehensive and collision coverage

What happens if I buy a new car? Is it covered?


If you’re an Elephant policy holder, it’s best to promptly add your new car to your policy through your online account, the Elephant mobile app, or by calling to speak to a representative. While your Elephant policy can offer temporary protection, some add-on coverages may not automatically extend to your new vehicle. You will need to adjust your coverage to get the protection you want for your new car. For uninterrupted coverage, check your policy for rules around adding a new vehicle to your policy.

All drivers are required to have car insurance in Maryland. Find competitive rates for car insurance in Baltimore, MD from Elephant Insurance. Start your auto insurance quote anytime.

How to get car insurance before buying a car

Get a personalized Baltimore car insurance quote

Protecting your vehicle with the right car insurance coverage is essential. By understanding the intricacies of car insurance, you can make informed decisions when selecting a policy that suits your needs and budget. Remember to review your coverage regularly and stay informed about any changes in Maryland insurance laws.

Here are some tips for drivers in Maryland drivers looking for car insurance:

  • Make sure you understand the terms of your policy before you sign it.
  • Consider getting additional coverage, such as collision and comprehensive insurance to get the protection you want.
  • Review your policy regularly to make sure it still meets your needs.

By following these tips, drivers can find the best car insurance for their needs and help protect themselves in case of an accident.

Get an auto quote

Coverage Wizard


How does car insurance work?

Which are the most expensive cars to insure?

How to switch car insurance companies