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In order for residents of Baltimore, Maryland, to legally posses a valid drivers license, there are many mandatory insurance requirements that are currently in place.  Because Baltimore is considered to be one of the most dangerous places in America to own a car, there are three different forms of auto insurance coverage's that are needed in order to operate a motor vehicle.  In addition, the state of Maryland, specifically the city of Baltimore, is one of the rare US locations that has a "no fault" driving policy with an add-on option for Personal Injury Protection (PIP).  By having Personal Injury Protection, your insurance company will cover your medical expenses even if you are at fault or not.


Three Types of Required Auto Insurance

The first form of auto insurance that is required in the city of Baltimore is liability insurance.  This type of coverage will cover the expenses the are incurred for damages in a car accident that are your fault.  Regardless of your previous driving history, liability insurance coverage is a binding requirement in order to drive in Baltimore.  When deciding on liability insurance, it's important to know that coverage comes in two different forms.  The most common form of liability coverage is referred to as property damage insurance.  Property damage insurance will cover all of the costs that are induced due to any property damage that is directly your fault.  When driving in Baltimore, you must have at least $15,000 worth of this type of insurance per any one accident.  It's important to know that your insurance company will not pay for damage that exceeds this amount.  Any expense over your coverage amount will have to be paid out of pocket.

The second type of liability insurance that is required in Baltimore is bodily harm coverage.  Like its name, this specific type of insurance will cover you against any personal injuries that occur due to a driving accident that is your fault.  Under this form of liability insurance, medical expenses will typically be covered up to the amount that you are insured.  Additionally, if you should unfortunately kill someone due to a car accident, the funeral costs will be fully covered with bodily hard liability insurance.  Depending on the type of accident and who is at fault, lost wages at work and any necessary home healthcare will also be covered under this particular policy.  In Baltimore, you are required by law to carry a minimum of $20,000 worth of bodily harm coverage for one individual that might be injured is a car crash and a minimum if $40,000 per accident.  Like general liability insurance, any cost that exceeds your covered amount will have to be paid out of pocket.

If you are a legal driver in Baltimore, Maryland, you will also be required to have uninsured motorist insurance.  This type of coverage will fully protect you if you should be involved in an accident in which the other driver does not have the required insurance policies.  With an uninsured motorist plan, all of your medical costs and assets will be financially covered.  This form of insurance is necessary because it guarantees that you will get the medical attention that you need while also not having to pay for any damages or repairs out of your own pocket.  To drive in Baltimore, you are legally required to have a minimum of $15,000 in property coverage while having at least $20,000 for any one person involved in a car accident.  The Baltimore, Maryland, law additionally requires you to have $40,000 worth of uninsured motorist insurance coverage per accident.

Proof Of Insurance

Moreover, on top of possessing these types of auto insurance coverage, it is mandatory for all Baltimore drivers to possess proof of insurance on them at all times.  The majority of the time when you are pulled over for a minor traffic violation or get into a car accident, the law enforcement agent on the scene will ask to see your insurance information.  In addition, proof of your auto insurance is needed when you go register your vehicle.  Without proper proof of coverage, your registration will be denied.


We Serve Neighboring Areas To Baltimore Too!

We do not limit our auto insurance quotes to the residents of Baltimore.  We are capable of offering quotes to neighboring cities and counties.  If you don't see your city or county listed please feel free to reach out to us or simply add your cities zip code at the top of this page.

Penalties For Driving Without Insurance in Baltimore Maryland

If you decide to operate a motor vehicle in Baltimore without the correct insurance coverage, it's important for you to know that the penalties are rather tough.  Incredibly, you can be faced with a fine that will cost you up to $1,000 with a potential jail sentence of up to a year.  The Baltimore penalties for driving without the necessary liability, uninsured motorist and bodily harm insurance coverage's are not worth taking the chance of driving without proper insurance coverage.

Looking For More Information? Check Out These Resources.

Maryland official Government website. | Maryland DMV Hours & Information | Filing Insurance complaints in MD.