Factors that impact the cost of your car insurance policy in Baltimore
There are three primary factors that impact the cost of car insurance in Baltimore:
Commuters and accidents: Many Baltimore residents make the daily commute down I-95 to Washington, D.C. Traffic is very congested along this route, and there is a large number of accidents daily.
Crime statistics: certain areas of Baltimore have high crime rates, including theft and vandalism. Living and working in one of these areas will cause your rates to increase above the city’s average.
Uninsured motorists: almost 1/3rd of drivers on the streets of Baltimore are uninsured. Because of this, responsible individuals should carry comprehensive and collision insurance, which costs substantially more because of the higher limits and protection.
Of course, the type of vehicle you drive and your driving record will also impact your rates.