🏠 Home insurance cost in Baltimore, MD (2026)
Estimated average: $1,739 per year — -24% vs. the U.S. average of $2,300.
$1,739
Est. home insurance in Baltimore
per year
$1,610
Maryland average
$2,300
U.S. average
569,931
Population
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Baltimore home insurance estimator
Estimated$1,096/year
Starts from the Baltimore estimate. Get quotes to confirm your price.
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.