Non-owner car insurance in Baltimore, MD

Estimated cost in Baltimore

For comparison, a clean-record driver in their 30s pays about $830 for minimum coverage and $1,970 for full coverage in Baltimore by our estimate.

Non-owner policies carry liability only; our figure uses Maryland's minimum liability estimate, which is an upper bound because non-owner policies are usually priced below owner policies.

Maryland rules that apply

Any policy you buy must meet Maryland's minimum of 30/60/15 liability coverage and uninsured motorist coverage.

In Baltimore, 26.7% of households don't have a vehicle (Census ACS). A non-owner policy covers your liability when you drive a borrowed or rented car and can carry an SR-22 filing if you need one.

All Maryland car insurance rules →

How to lower the cost

• Keep continuous coverage. A lapse, especially with an SR-22, restarts problems with the state and raises future prices.
• Compare several insurers — companies weigh violations very differently, and some specialize in high-risk drivers.
• Take a state-approved defensive-driving course where it earns a discount or removes points.
• Consider higher deductibles or liability-only coverage on an older car to offset the surcharge.
• Violations age off: most surcharges fade after three to five clean years.

Read our guide · Car insurance in Baltimore

Insurance offices in Baltimore

There are 54 insurance offices listed near Baltimore. See the full list with directions on the Baltimore car insurance page.

• Stephanie Jameson - State Farm 1120 N Charles Street
• Maury, Donnelly & Parr, Inc. 400 Water Street
• Michael F. DiLello &sons 406 South High Street
• Ugele Insurance Agency 408 East 25th Street
• Carlos Sanchez - Allstate 1609 Eastern Ave
• Erie Insurance 900 S Charles Street
• State Farm
• Progressive
• Eve Hamper - State Farm 1118 Light Street
• Erie Insurance 1414 Key Hwy
• Erie Insurance 2501 Boston Street
• State Farm