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Charlestown Car Insurance Resources

Charlestown, MD Car Insurance

Cars Insured in Charlestown

^ There are an estimated 803 vehicles currently insured in Charlestown. [1]

Car Insurance Rates in Charlestown

^ From 2006 to 2010, Maryland cities had the 10th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Charlestown

^ There are an estimated 118 uninsured motorists driving in Charlestown. [3]

MD Car Insurance

Charlestown Car Insurance

Car Insurance Liability Requirements in Charlestown

  • Minimum Liability Limits in Charlestown: 30/60/15 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in Charlestown

Required Car Insurance Coverage in Charlestown
  • Charlestown Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage
    • Note: Personal Injury Protection (PIP) may be waived for the policyholder but is compulsory for passengers.

Car Insurance Verification Laws in Charlestown

  • Insurer Verification of Auto Insurance in Charlestown [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Charlestown Car Insurance Facts, Estimates & Related Laws

Charlestown Car Insurance Stats

Charlestown Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Charlestown
    • Based on historical and current data, 803 cars are currently insured in Charlestown. [5]
    • Maryland cities collectively ranked 20th in the nation in auto insurance policies in 2011 with a total of 3,920,707. [1]
  • Uninsured Motorist Rate in Charlestown
    • Based on historical and current data, Charlestown has an estimated 118 uninsured drivers. [6]
    • Maryland cities collectively had the 18th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Charlestown
    • Maryland cities collectively had the 9th highest auto insurance rates in the nation in 2010. [2]

Charlestown Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for all drivers. [7]
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers (hand-held ban). [7]
  • Enforcement of laws:
    • Primary enforcement in effect. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.

Charlestown Automotive Laws

  • Minimum Driving Age in Charlestown [9]
    • Charlestown, MD minimum driving age: 15 years, 9 months.
  • Driver's License Renewal Cycle in Charlestown
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Charlestown
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Charlestown
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats (effective 10/01/13). [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]

Maryland Car & Driver Facts

Maryland Auto Registrations

Maryland Car & Driver Facts
  • Auto Registrations in MD [8]
    • Registered Cars: 2,088,130
    • Registered Trucks: 1,682,819
    • Registered Motorcycles: 120,122
    • Total Registrations: 3,905,629
    • Rank: Maryland ranked 24th in the United States in total auto registrations in 2011.

Maryland Automotive Facts

  • Speed Limits in MD
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Maryland Motor Fuel Consumption
    • Maryland cities collectively ranked 22nd in the nation in total motor fuel consumption in 2011. [10]

Maryland Licensed Drivers

  • Licensed Drivers in MD [11]
    • Female Drivers: 1,981,313
    • Male Drivers: 1,875,291
    • Total Drivers: 3,856,604
    • Rank: 20th highest in the U.S.

Additional information about Charlestown, MD

About Charlestown

Charlestown (Maryland) is a town with a population of 1,183 [12] that is located in Cecil County.

MD Car Insurance

More about Charlestown auto insurance

For more information about Charlestown car insurance, or for additional resources regarding Maryland car insurance overall, visit the Maryland Department of Insurance.

Did you know?

Some motorcyclists are currently required by law to wear a helmet in 47 states and the District of Columbia.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in MD