Baltimore has the highest car insurance rates in Maryland. Here’s what you can do about it.

If you received an auto insurance renewal notice in July with higher rates, you weren’t alone. Car owners across Maryland saw their premiums soar. Rates in the state are going up, in part, because of a surge in car thefts. National data shows half a million vehicles were reported stolen in the first half of the year — a 2% increase compared to the first half of 2022. In Baltimore, the number of vehicles stolen this year has tripled to rates not seen since the mid-’90s.