Baltimore Auto Insurance


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Baltimore is one of the oldest cities in the United States and is the largest independent city in the county. Baltimore is also one of the busier harbors on the East Coast and handles freight traffic heading to most midwestern cities. With a large metropolitan area extending to Washington D.C., thousands of drivers making the commute each day to and from Baltimore makes for a high likelihood of an auto accident. Here are some automobile-related statistics for Baltimore, Maryland:

  • 8,517 vehicle thefts in 2009
  • Average commute time of 29.2 minutes
  • 12% of drivers are uninsured

Baltimore has a very high commute time relative to other major cities, but has a below average rate of vehicle thefts per capita. With a large number of commuters entering and leaving the city daily, comprehensive Baltimore auto insurance a necessity. The State of Maryland requires all motor vehicle owners to have minimum amounts of insurance. Basic Baltimore auto insurance is comprised of the following policies:

  • Bodily injury liability
  • Property damage liability
  • Personal injury protection
  • Uninsured driver coverage

Maryland requires anyone driving a motor vehicle to have an insurance liability policy to the required limits in order to register the vehicle. This includes bodily injury limits of $40,000 total per accident and a property damage limit of $15,000 per incident. Personal injury protection provides for $2,500 per person, per accident, and uninsured driver protection has a limit of $40,000 per accident. If coverage is not maintained, you may lose license plates/registration, pay a penalty fee, or be prohibited from future registrations. Because of the high prices of vehicles and medical care, minimum insurance coverage may not be enough if you are found liable for causing an accident. Consider purchasing other insurance products if you are an Baltimore driver, such as collision insurance or medical payment coverage, especially because you are liable for any amounts over your coverage limits.

It is important to remember to shop for low prices as well as quality service. Many auto insurance companies will adjust your premium based on the location in which your vehicle is registered. Obtaining as many valid discounts as possible is highly recommended. SmartAutoInsurance.com is dedicated to finding reliable and quality Baltimore automobile insurance quotes.

The Principal Vehicle Administration location in Baltimore is:

  • 2500 Gwynns Falls Parkway, Baltimore 21216

The phone number for the MVA is (800) 950-1682.