County risk profile
Baltimore City, Maryland
AutoRiskIQ explains the forces that shape auto insurance pressure in Baltimore City. Scores are informational and describe location trends, not individual outcomes.
Score status
80
/ 100
Percentile-based relative to national average.
Updated 2025-12-29.
Risk scale
Relative risk pressure levels used across AutoRiskIQ.
Risk readiness
Core risk signals for Baltimore City
Accident & Exposure Risk
Crash frequency is above the national distribution. Fatality severity is below the national distribution. Traffic exposure is above the national distribution.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.
Claim Friction & Legal Context
NAIC complaints, DOI enforcement, and litigation environment signals tied to claims.
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Market Structure Context
Rate filing cadence and market concentration context for pricing power.
Live traffic context
Local incident feeds for Baltimore City
County pages highlight DOT or city incident feeds when they are available for major metros.
Counts reflect active incidents reported to public traffic systems, not a full crash census.
Active incidents
33
Feeds monitored: 1. Source: State DOT 511 incident feeds + TomTom traffic incidents (third-party).
Top incident types
Risk spotlight
Theft & Fraud Exposure in Baltimore City
We highlight the highest-pressure risk signal in Baltimore Cityand show the public inputs that drive the score.
100
/ 100
Vehicle theft rates are above the national distribution.
Vehicle theft rate
Auto thefts per 100k vehicles with trend direction.
Sources: FBI UCR/NIBRS, NICB reports
Fraud environment
Fraud prevalence signal (low / medium / high).
Sources: NICB fraud reports, State DOI fraud unit summaries
Premium pressure context
How premiums compare with risk in Baltimore City
County premium data is limited, so we use statewide NAIC average premiums for context. This does not represent a quote or a recommendation.
82
/ 100
Statewide average premium: $1,602
Premium pressure is roughly aligned with the current risk baseline.
County context
What will be explained for Baltimore City
AutoRiskIQ surfaces the most influential signals behind the score, explains changes from prior periods, and compares Baltimore City to state and national benchmarks.
Leading signals
Theft & Fraud Exposure
Vehicle theft rates are above the national distribution.
Weather & Environmental Risk
Severe weather exposure is above the national distribution based on FEMA hazard signals.
Cost & Repair Pressure
Repair cost levels are above the national distribution, with inflation pressure below the national distribution.