Car Insurance in Laurel
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Drive With Confidence in Maryland
Laurel, Maryland, is a mid-sized city with a local workforce that is split between education, government services, healthcare and technology. There are over 16,000 workers in this city of slightly fewer than 30,000 people, and they spend an average of 34.5 minutes on a morning commute. Long commute times make rush hour one of the biggest risks for drivers, and the right car insurance in Laurel lets you drive with peace of mind during those daily drives. There are a number of public transportation options, including the Metro Bus and the RTA Transit, but many people still choose to drive.
Protection in Hazardous Weather
Laurel is not a coastal city, but most of Maryland is still relatively close to the coast. That means the city does get some landfall storms that can create hazardous driving conditions. Strong insurance helps protect you financially when weather-related accidents occur.
Luckily, snowstorms are not common in the area. While Laurel does see some snowfall. blizzard conditions do not happen often enough to be a big concern for local drivers.
Car Insurance Prices in and Near Laurel, MD
Car insurance in Laurel is about 17% higher than Maryland's average at $137 per month for minimum coverage. Full coverage is only about 5% more expensive on average, which makes the upgrade worthwhile for most drivers. When estimating your own insurance costs, it is important to remember that location is only one factor, and it might not even be an important one.
Age, driving record and vehicle value are also weighed heavily in auto insurance quotes. Use a tool like VIU by HUB to compare quotes that are based on your driving record and vehicle.
Maryland State Auto Insurance Requirements
Maryland has mandatory auto insurance requirements. and they are fairly straightforward. Drivers who purchase minimum coverage can expect to see these three items:
- $30,000 in bodily injury coverage for an individual
- $60,000 in coverage for accidents affecting two or more people
- $15,000 in property damage coverage
Most drivers in the state opt to purchase coverage above the minimum requirement for a primary vehicle, but minimal coverage is popular for drivers who are storing a vehicle that is used occasionally or insuring a fallback car in a multi-vehicle household.
Full Coverage and Additional Options for Drivers in Laurel
Full coverage refers to insurance that has protection for damage caused during collisions, but there are additional options beyond collision protection that are also lumped into the full coverage category.
- Comprehensive damage protection for parking lots and other places where your vehicle might encounter hazards while it is off the road
- Roadside assistance, including towing, lockout services and battery charging
- Rental car coverage for those times when your vehicle is in the shop
- Optional rideshare coverage for drivers who make a living with a personal vehicle
When you see the average cost of full coverage, it includes everything from drivers with basic collision to those with comprehensive damage protection and every additional coverage option included. That makes it easy to overestimate what it will cost you for sensible protection. However you can get firm answers on real prices for the coverage you want when you shop for car insurance in Laurel with VIU by HUB. Inputting information about your car and location will give you a variety of options from various insurers. With the options listed side by side, it is easy to choose what works best for you and your budget.
This information is intended for general informational purposes only and is not intended to constitute legal advice.