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Best Cheap Auto Insurance in Baltimore 21201

Are you looking for cheap auto insurance in Baltimore? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and help you learn more about your city.

Nicknamed “a city of neighborhoods”, Baltimore is the second largest port city in the Mid-Atlantic region. The city is known as the inspiration for America’s national anthem, “The Star Spangled Banner.”

Established in 1729, Baltimore was named after Lord Baltimore, who was in the Irish House of Lords. Before the American Revolution, Baltimore primarily dealt with shipping tobacco, sugar and grain back to England. During the American Revolution, Baltimore’s population doubled and was also the location for the Continental Congress for a couple of months.

During the War of 1812, Francis Scott Key observed the bombing of Baltimore with the American flag flying the next day. This would inspire the poem and later national anthem of the United States. It was at Fort McHenry where American troops successfully defended the Baltimore harbor.

By the mid 1800s, Baltimore grew into a transportation and shipping hub, and established the Baltimore & Ohio Railroad.

Though a fire would wreak havoc on the city in 1904, it led to better city and building planning. During World War I and World War II, Baltimore served as a major shipbuilding and supply-shipping center.

Baltimore attractions include: Baltimore Museum of Art, Camden Yards, Patterson Park, Fort McHenry, Inner Harbor and Walters Art Museum.

Are you looking for cheap auto insurance in Baltimore? Auto Insurance Center is here to provide you with the best cheap auto insurance rates and help you learn more about your city.

Baltimore has two professional sports teams, the Ravens (NFL) and Orioles (MLB). As the birthplace of baseball great, Babe Ruth, Baltimore has a rich history with baseball. In addition, the Preakness Stakes -- second race in the Triple Crown -- is held at the Pimlico Race Course.

Baltimore Driving Conditions

Baltimore falls under the humid subtropical climate. The annual high temperature is 66.3 degrees and the annual low temperature is 50.6 degrees. Summers are hot and humid while winters are cold and have various levels of snowfall. Some winters see heavy snowstorms while other winters are characterized with mild temperatures. Springtime has the most rainfall.

A recent TRIP report found that six of the top 10 worst bottlenecks in Maryland are in the Baltimore area thanks to a growing city population.

Crime Statistics

According to the 2015 Crime in the United States report, Maryland had 139,048 accounts of property crime and 13,151 accounts of vehicle theft. Within cities and metropolitan areas in Maryland, vehicle theft was reported 13,056 times.

Maryland Driver’s License

As a legal resident of Maryland, you’ll need to obtain a Maryland driver’s license. Those with a valid out-of-state license are required to take a vision test.

When you visit the DMV, bring your valid out-of-state license, proof of U.S. residency (birth certificate, passport, etc.), proof of Maryland residency and proof of your Social Security number.

Seat Belt Laws

Maryland law requires all passengers 16 and older to wear a seat belt. Fines start at $50.

Under the child passenger safety law, children under the age of 8 must be secured in a federally approved child safety seat unless the child is 4 feet 9 inches or taller. In addition, in Maryland, a passenger younger than 16 may not ride in an unenclosed cargo bed of a pickup.

Cell Phone & Texting Laws

It’s against the law to text or use a cell phone while driving in Maryland. Fines for first time offenders is $83, second offense fines is $140. Drivers are permitted to call or text 911 in an emergency.

Odd Law

In Baltimore, it is against the law to wear sleeveless shirts in city parks.

You would be surprised how much insurance rates can vary zip code to zip code even if the zip codes are within the same metropolitan area. This can be for various reasons including higher or lower crime rates in a specific zip code area, accident statistics in that zip code, traffic density in different parts of the city, and even different weather conditions depending on what part of the metro area you are in. This can become even more interesting if you live on the border of a different zip code yet your are paying more for insurance than you would if you lived right across the street. While some people will use this to their advantage and give their insurance company a different address than their actual address to save some money it is not advisable as this may be seen as a form of fraud. 

To find out what your auto insurance rates will be for you zip code either fill out the quick quote form above or call one or more of the local agents below. It is best to call more than one to get them to compete for your business so that you can get the cheapest rates possible. Many people would rather avoid this effort because its more work but its one of the best ways to get cheap auto insurance quotes.

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