Car Insurance in Baltimore

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Joel Ohman
Founder, CFP®https://res.cloudinary.com/quotellc/image/upload/insurance-site-images/ciccom-live/41b5e36b-joel-ohman.jpg

UPDATED: May 23, 2016

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Here's what you need to know...

  • The city of Baltimore has a rich history and a currently thriving economy
  • Because Baltimore is a popular place, the large population plays a part in higher insurance costs
  • Maryland uses the Tort System
  • The state upholds minimum requirements for car insurance coverage

If you are a Baltimore resident, comparing car insurance is important in order for you to save money. Formerly a tobacco shipyard, Baltimore used to not have a need for cars as it was accessible only by boat.

A vigorous trade in corn, tomatoes, and tobacco sprang up from the surrounding areas’ fertile farmlands, making Baltimore a hub even in those early days.

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About Baltimore

Trade by sea made Baltimore a boomtown.

During the War of 1812, when the British tried to shut down Baltimore, an attorney named Francis Scott Key was aboard a British warship, attempting to free a prisoner.

Watching the Battle of Baltimore from that vantage point, he wrote a poem about the battle which later was put to music and became the national anthem.

Since then, Baltimore has spread over the countryside, been rebuilt several times, and burned to the ground.

Its urban renewal efforts have won the praise of presidents, and its concentration on the Inner Harbor beauty and utility has won home offices of such big business as Legg Mason, T. Rowe Price, and Black and Decker.

Baltimore has more to offer tourists than they might have time to see.

It is the home of the Baltimore Orioles and the Baltimore Ravens. Two huge sports complexes named after them make Baltimore “Birdland.”

Entertainment acts such as Jeff Dunham have appeared in Raven Stadium.

The National Aquarium is located in Baltimore, along with zoos, museums, the Inner Harbor, and lots of shopping. The food is exquisite and varied, catering to many tastes.

The neighborhoods are set like jewels among the scenery and the people are friendly and charming.

Baltimore Auto Insurance Requirements

Businessman Making Phone Call After Traffic Accident

Maryland’s population is on the healthy side of a half million, which is one facet that affects Baltimore city car insurance rates.

Speed limits, cell phone use while driving, type of car driven, age of the driver, and driving infractions all combine to make the average Baltimore driver pay around $86 per month, or a little over $1,000 per year for car insurance policies.

Maryland uses the Tort system, meaning there will always be a party at fault in an accident.

This party and its Baltimore carrier would be required to pay for damages incurred in the accident.

If the individual at fault is uninsured or underinsured, the other person involved in the accident and his car insurance company would jump in to cover damages from the accident.

Everyone should check the differences between limited tort and full tort car insurance.

Baltimore has a minimum requirement for car insurance coverage. Motorists may use only these minimums, but a little more, especially in the case of medical coverage, is recommended.

  • Bodily Injury Liability – a minimum of $20,000 per injured person in the accident and up to $40,000 per accident
  • Property Damage Liability – a minimum of $15,000 is necessary
  • Uninsured and Underinsured – a minimum of $20,000 per person and $40,000 per accident to cover damages caused by uninsured motorists
  • Personal Injury Protection – $2,500 is deemed minimum for medical coverage for driver and passengers

Car Insurance Laws for Baltimore

Baltimore and the state of Maryland realize that not every state requires drivers to use automobile insurance.

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Baltimore also recognizes that not everyone is rich and can afford unlimited benefits in their auto insurance policies. This is why minimum requirements are available.

Baltimore’s car insurance laws are simple:

  • You must purchase the minimum coverage in liability, property damage, medical, and uninsured car insurance.
  • Maryland is a no-fault state. This means that each driver is responsible for his own medical coverage, regardless of coverage by at-fault drivers in an accident.
  • Stiff fines and possibly jail time await the uninsured driver in Baltimore. For those hit by an uninsured motorist, their own coverage will take care of the accident.

Baltimore Driving and Car Insurance Statistics

Driving, Text Messaging, Telephone.

Car insurance rates for Baltimore drivers take into account such points as dangerous intersections, median speed limit, time driving to work, and driver safety precautions.

These things cause a hike in premiums, in addition to some new points to consider as technology advances.

  • Distractions – In 2007, 65% of accidents among 18 to 34-year-olds involved distractions such as cell phone use, loud music, and adjusting seats and mirrors. 65% of these accidents occurred less than five miles from home.
  • Sheer Numbers -Baltimore spans ninety-two square miles, and over half a million people drive its roads, spending 28.9 minutes per day driving. In 2007, forty-one fatal car crashes were reported involving 105 people and fifty-five cars. The average speed was roughly 30 MPH.
  • Popularity – Certain makes and years of cars are stolen with alarming regularity. This, too, makes rates go up, because insurance companies factor this into the premium along with other important points. If you don’t drive one of these cars, you might pay lesser premiums.
  • Proposed Law for Baltimore – The geographical area is one way Baltimore companies have of figuring rates. The proposed law will enable those living in suburban areas to get Baltimore insurance rates different from city dwellers.

Many drivers have wondered if a car’s color increases car insurance rates. Drivers of red cars are said to be speed demons and red cars are hit more often than cars of any other color.

Rates are not affected by the color the vehicle, but by the owner’s driving record, the car’s safety features, and its geographical location.

Statistics cannot show any correlation between car color and driver performance. So get a red car if you like; just drive safely to keep your rates down.

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