Baltimore Car Insurance (MD)

The population of Maryland is over 635,000 people, and they pay an average of $1030 for their auto insurance premiums annually, or an average of $86 per month.

Between 2003 and 2004, the average car insurance premium increased by 6.1%. Factors that affect car insurance in Baltimore and throughout the state of Maryland include an urban and highway speed limit of 65 miles per hour, having no state wide ban on cell phone use while driving, as well as typical car insurance factors such as location, type of car driven, and driving record of drivers using the vehicle. In Maryland, teenagers as young as 15 are able to get their licenses.

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Car Insurance Requirements in Baltimore, Maryland

The state of Maryland uses the Tort System, which requires that there always be a person found at fault in an accident. That person and his or her insurance company is then the responsible party for covering all damages caused during the accident. If the person found at fault doesn't have enough insurance, or is driving without insurance, the other people involved in the accident's “Uninsured/Underinsured” motorist coverage would kick in to cover bodily injuries.

Ways to Save on Baltimore Car Insurance

If you are living in or relocating to Baltimore, Maryland, you are required to carry certain minimums for your car insurance. You need a minimum of $20,000 per injured person under Bodily Injury Liability coverage and up to $40,000 per accident. The Property Damage Liability requires a minimum coverage of $15,000. While many states stop there with required minimum coverages, Maryland also requires Personal Injury Protection coverage of $2,500 - which helps pay for reasonable and necessary medical expenses for yourself and passengers. It is also required that everyone carry UnInsured/UnderInsured motorist coverage of $20,000 per person and $40,000 per accident to cover bodily injury that is caused by an uninsured driver. These are simply minimum requirements though, and it's very possible that you will also want to include comprehensive, collision, medical payments and other insurance coverage options.

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