Car Insurance in Salisbury, MD

Drive securely with affordable car insurance in Salisbury, MD.

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Stay Safe on Salisbury, MD, Roads

Salisbury is a relatively small Maryland city with just over 33,000 people according to 2022 census estimates. According to City-Data.com. 7,112 of those residents live and work within the city. An additional 14,000 people enter Salisbury for work each day.

Data USA reports that the average commute time in Salisbury is 22.5 minutes each way, with more than 75% of drivers making the trip alone in a private car. The average number of vehicles per household in the city is two. Salisbury public transportation is limited to fixed bus routes and origin-to-destination paratransit service operated by Shore Transit. VIU by HUB can help you find affordable car insurance for your daily Salisbury commute.

Drivers looking to escape the city can head toward the remote reaches of Chincoteague Island. Arrive in under an hour and spend the day viewing the island's iconic ponies before heading back to MD. Head west from Salisbury to visit the Blackwater National Wildlife Refuge, where you can catch a glimpse of various types of waterfowl. A scenic 3.6-mile drive offers excellent views from the comfort of your car.

Secure the Correct Coverage for Your Salisbury Commute

Maryland has specific insurance requirements drivers must meet in order to keep a car on the road. Every driver must maintain the following liability coverage:

$30,000 per person bodily injury
$60,000 bodily injury (2 or more people)
$15,000 property damage

This level of coverage provides basic protection if you cause an accident and someone else is injured or you damage their car. However, it may not be enough to provide you with financial peace of mind. After all, a single trip to the emergency room can easily exceed $30,000, and you will be responsible for any expenses after you reach your coverage limit. For that reason, many drivers choose to increase coverage limits beyond the required minimums.

Paying for damages to your own car is another consideration. Liability insurance does not cover those costs. Instead, you will need to add comprehensive and collision coverage to pay for repairs.

Collision pays for damages after an accident with another car or truck, or if you hit an object like a light pole or fence. It will generally pay up to the value of your car. If damages exceed that, the insurance company will usually declare the car a total loss. Comprehensive pays for other damages, such as a broken windshield or theft.

Know What To Pay for Car Insurance in Salisbury, MD

The average price for car insurance in Salisbury, MD, is $1,459 per year. making it an affordable place to drive. Average rates are based on a specific driver profile, and you may pay more or less depending on various factors.

Insurance premiums are based on how much of a risk companies perceive you to be. A single DUI or at-fault accident can easily increase your premiums by 50% or more. Being married, having a clean driving record with no at-fault accidents and keeping your car in certain zip codes can all help bring rates down. Consider the following factors that can affect how much you pay for car insurance: