Specialized Insurance Group
301 S Main Street, Suite 195, Salisbury, NC 28144
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301 S Main Street, Suite 195, Salisbury, NC 28144
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125 S Long St, Salisbury, NC 28144
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Learn about insurance coverage options specific to Salisbury residents.
Maryland requires 30/60/15 liability coverage ($30,000 per person for bodily injury, $60,000 per accident for bodily injury, $15,000 for property damage), uninsured motorist coverage at 30/60/15 limits, and $2,500 in Personal Injury Protection (PIP). These minimums apply statewide, including Salisbury, and you must carry proof of insurance at all times.
Salisbury drivers pay an average of $2,011 annually for full coverage auto insurance, which is lower than many Maryland cities like Baltimore or College Park. Minimum liability-only coverage can cost as little as $44-50 per month with some providers. Your actual rate depends on factors like your driving record, age, vehicle type, and credit score.
Yes, Maryland operates under an at-fault system for auto insurance. This means the driver who causes an accident is financially responsible for damages and injuries. While Maryland requires Personal Injury Protection (PIP) that pays regardless of fault, you can still be held liable for damages that exceed your coverage limits if you cause an accident.
Salisbury's lower insurance rates compared to urban areas like Baltimore reflect the area's lower population density, reduced traffic congestion, and statistically lower accident and theft rates. However, seasonal traffic on US-13 and US-50 during beach season and active resurfacing projects can still impact local rates.
Most insurance experts recommend higher liability limits than Maryland's 30/60/15 minimum because medical and repair costs often exceed these amounts. If you cause a serious accident, you're personally liable for costs beyond your coverage limits, putting your savings and assets at risk. Consider at least 100/300/100 coverage if financially feasible.
Maryland law doesn't require comprehensive or collision coverage, but your lender will if you're financing or leasing your vehicle. Even if you own your car outright, these coverages protect you from repair or replacement costs after accidents, theft, vandalism, or events like hitting a deer on rural Wicomico County roads. Consider whether you could afford to replace your vehicle out of pocket.
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