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Salisbury, MD – Car Insurance Costs

Salisbury, Maryland, is a vibrant and historic city located on the Delmarva Peninsula, where the Wicomico River meets the Chesapeake Bay.

Drivers in Salisbury have multiple cheap car insurance coverage options online when comparing free quotes & rates from local providers. We will break down the average auto insurance policy costs for the city throughout this guide:

Which Company Has the Cheapest Car Insurance in Salisbury?

Here is a breakdown of average costs from the cheapest local insurance providers near you from our data set of used-car drivers who are single, middle aged and have a clean driving record:

Insurance Company:Minimum Liability:Monthly:Fulll Coverage:Monthly:
Erie Insurance$866$72$2,545$212
State Farm$1,031$86$2,604$217
Average Cost:$769$64$2,101$175

Auto Insurance Rates by Vehicle Type

To determine how much you can expect to pay for your insurance based on vehicle type we averaged multiple cost quotes in Maryland and pulled data for used vehicles such as a Toyota Camry, Nissan Titan, Chevrolet Bolt, Honda CR-V and BMW 4 Series:

Vehicle Type:Minimum Liability:Monthly:Full Coverage:Monthly:
Car (4door)$929$77$2,106$176
Hybrid Electric$898$75$2,268$189
Luxury Coupe$828$69$2,892$241

Auto Insurance Rates for Brand New Vehicles

On average the price of car insurance for a brand new vehicle in Maryland would be an annual premium of $2,577 or $215 a month for full coverage.

We pulled insurance cost rates data for new 2022-2023 vehicles to give you an idea of the difference in coverage price for newer cars vs. used vehicles:

Vehicle Type:State Minimum:Monthly:Full Coverage:Monthly:
Car (4door)$891$74$2,439$203
Hybrid Electric$926$77$2,522$210
Luxury Coupe$752$63$3,152$263

How Age Affects Your Car Insurance Premiums

In Maryland, age is a significant factor that influences your auto rates. Generally, younger drivers tend to face higher insurance premiums compared to older, more experienced drivers.

Statistics show that younger drivers, particularly teenagers and individuals in their early twenties, are more likely to be involved in accidents due to their limited driving experience and potential risky behavior on the road.

Here is a breakdown of the average costs for car insurance based on each age in Maryland:

Age:Minimum Liability:Monthly:Full Coverage:Monthly:

How Much Car Insurance Do I Need in Maryland?

Maryland car insurance regulations ensure that all drivers on the state’s roads have the necessary coverage to protect themselves and others in case of accidents or unforeseen events.

Drivers in Maryland are required to carry minimum liability insurance coverage, which includes bodily injury and property damage liability. This coverage helps pay for medical expenses, property repairs, and legal fees if the insured driver is at fault in an accident.

Additionally, Maryland law mandates uninsured motorist coverage to safeguard against accidents involving drivers who lack insurance. The state’s car insurance system operates under a fault-based system, meaning that the party at fault in an accident is responsible for covering the damages.

However, drivers also have the option to choose between limited or full tort coverage, affecting their ability to seek compensation for non-monetary damages like pain and suffering. To legally operate a vehicle in Maryland, drivers must maintain proof of insurance and be prepared to provide it when requested by law enforcement or other relevant authorities. Here is a breakdown of how much insurance you are required to have in MD:

You will have to sign an FR-19 certificate once you get insurance. This document is valid for 30 days and tells the DMV that you are insured. The state also requires insurance agencies to submit your insurance details.

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