Maryland is one of the more expensive states in which to buy auto insurance. Therefore, it is very important you make good use of Baltimore car insurance quotes. You can get started instantly with the zip code form above.
Remember, driving without auto insurance coverage is unlawful. This is true whether you are in Baltimore or in any other part of the United States. So if you’re living in Baltimore, Maryland, you must make sure to have that necessary Baltimore car insurance policy. So either use the form above or keep reading to learn more.
Car Insurance Agents In Baltimore
There are many insurance companies to pick from in Baltimore. Moreover, these days with the internet you can pick from a whole slew of online insurers as well. Still many people prefer the personal contact that only an agent or broker can provide. For that reason we present links to the largest insurance companies with agents in Baltimore.
You will find 31 Allstate car insurance agents in Baltimore proper. On top of this, you’ll also find 55 more agents in nearby areas such as Millersville, Ellicott City, Owings Mills, Glen Burnie, Pikesville and Catonsville.
Geico, in keeping with its focus on internet auto insurance policies, has only 1 agent in Baltimore.
Progressive works with 9 different insurance brokers, agencies and agents in Baltimore.
The king of local agents, State Farm has 48 agents working Baltimore itself, far more than any other insurance company.
Your insurance agency not listed? If you own an insurance agency that operates in Baltimore and would like to be included in our listings above please use our contact form. At the current time we do not accept individual agent listings except as part of our paid featured listing option.
Baltimore Auto Insurance Rates
Driving and owning a car in Baltimore is expensive. In fact for 2011 the Insurance Information Institute has found that the city is the 6th most expensive Metro area in the whole country. They claim that average annual premiums for Baltimore car insurance are a mind blowing $2,851 per year.
The primary reason for the sky-high rates is Baltimore’s high crime rate. Adding theft and damage coverage to your policy is going to cost a lot. That is why it is so important for you to shop around for insurance before buying. The easiest way to do that of course is to use our site and get your free quotes today.
Baltimore Driving Help
A second reason why Baltimore auto insurance rates are so high has to do with traffic. The city is worse than average when it comes to traffic related issues. In 2010 the INRIX National Traffic Scorecard found that Baltimore had the 14th worst traffic in the country, but was only the 20th biggest metro area.
The MD-140, US-1 and the I-97 were all found to be among the 1,000 worst stretches of road in the country. So watch out where you’re driving. Overall, Maryland is a safer state than average to drive in, but Baltimore county and Baltimore city have among the most accidents in state.
You should always consider checking traffic conditions before leaving for your destination and you can even check live traffic cameras from the Department of Transportation’s Coordinated Highways Action Response Team. Prepare and drive safe and you’re more likely to stay accident free.
Maryland Car Insurance Laws
As Baltimore is in Maryland it follows its laws. Maryland is one of the majority of states that follow the Tort system of liability; more commonly known as ‘fault’ based insurance. This means that when an accident happens, someone must be found to be at fault and that person and his or her insurance company are jointly responsible for the damages committed.
This should be the main basis in obtaining a Baltimore car insurance policy. Just keep in mind that the actual operation of fault based insurance varies from state to state. So if you’re new to Maryland you might want to get in contact with either the Maryland Insurance Administration and/or the Maryland Motor Vehicle Administration if you have any questions.
The basic car insurance liability coverage required in Maryland includes a minimum Bodily Injury Liability amount of $30,000 per injured person up to a total of $60,000 per accident and Property Damage Liability coverage with a minimum limit of $15,000. This is what you refer to as the 30/60/15 coverage and you’ll need at least this if you want to drive in the state.
You’ll also need to look at getting uninsured motorist coverage and Personal Injury Protection (PIP) coverage as well. All other forms of auto insurance are optional in the state. However, comprehensive coverage in particular is strongly recommended due to the high theft and vanadium rates in Baltimore.
Instant Baltimore Car Insurance Quotes
To be able to get the best Baltimore car insurance, you must shop around and check out the auto insurance quotes that are offered by different car insurance companies. To obtain a price that will suit you and your budget, do not rush! Take the time to compare notes regarding the details of insurance coverage options that are available with every company.
There is yet another way of acquiring the best auto insurance for you. For instant quotes, you just have to check the Internet and find companies, brokers or agents in your locality. Car insurance quotes online should always be free of charge.
Car insurance companies in Maryland are aware of the insurance laws that are enforced in the state. As a result, any quote you get should provide at least the minimum amount of coverage listed above. If not, then don’t buy from them. Start now with instant Baltimore car insurance quotes below.
Maryland Insurance Administration Automobile Insurance Publications