🏠 Home insurance cost in Baltimore, MD (2027)
Estimated average: $1,739 per year — -24% vs. the U.S. average of $2,300.
With about 569,931 residents, Baltimore is a major metro and the largest city in Maryland. Home insurance rates here are estimated at $1,739 per year, above the Maryland average of $1,610 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Baltimore with other Maryland cities.
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Baltimore home insurance estimator
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Baltimore home insurance FAQ
How much is home insurance in Baltimore, MD?
The estimated average is $1,739 per year — above the state average (+8% vs. the Maryland average of $1,610, and -24% vs. the U.S. average).
Is home insurance more expensive in Baltimore than elsewhere in Maryland?
Baltimore has about 569,931 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Baltimore?
Compare at least three quotes from insurers active in Baltimore, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.