Auto Insurance

Why Choose Barrett Insurance Group for Auto Insurance?

• Tailored Policies
  Every driver has unique needs, from new drivers to seasoned ones, and from single vehicles to fleets. Our agents customize auto coverage to fit your driving habits and lifestyle.

• Local Knowledge
  We understand local laws, weather risks, traffic patterns, and regional factors that influence your coverage and premiums in each state we serve.

• Competitive Rates
  Our partnerships with top carriers allow us to negotiate comprehensive coverage at competitive prices.

• Responsive Claims Handling
  When accidents happen, our knowledgeable claims team ensures smooth, prompt resolution and support.

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Auto Insurance Coverage by State

Maryland

• Minimum liability: $30,000 per person / $60,000 per accident for bodily injury

• Property damage liability: $15,000 per accident

• Additional mandatory coverages include personal injury protection (PIP) for medical expenses and uninsured motorist protection

• Maryland requires drivers to carry proof of insurance and report insurance information after accidents.

Washington D.C.

• Bodily injury liability: $25,000 per person / $50,000 per accident

• Property damage liability: $10,000 minimum

• Uninsured motorist bodily injury and property damage coverages require minimum limits, though some coverages are not legally required but may be lender-required

• Personal injury protection (PIP) available but not mandatory

• Digital insurance cards are accepted as proof of coverage.

Pennsylvania

• Bodily injury liability: $15,000 per person / $30,000 per accident

• Property damage liability: $5,000 per accident

• Personal injury protection (PIP): minimum $5,000 per person

• Optional choice between limited and full tort coverage for injury compensation

• Pennsylvania is a no-fault state, meaning PIP covers medical expenses regardless of fault.

Delaware

• Bodily injury liability: $25,000 per person / $50,000 per accident

• Property damage liability: $10,000 minimum

• Personal injury protection (PIP): $15,000 per person / $30,000 per accident, including funeral expenses coverage

• Strict enforcement against uninsured driving to keep premiums manageable.

Virginia

• Bodily injury liability: $30,000 per person / $60,000 per accident

• Property damage liability: $20,000 per accident

• Uninsured motorist coverage required matching bodily injury limits

• Virginia requires all drivers to maintain basic liability insurance with increasing minimums enforced since 2022 and 2024 reforms

• Insurance proof must be carried while driving.

North Carolina

• New minimum liability limits effective July 1, 2025: $50,000 per person / $100,000 per accident bodily injury

• Property damage liability: $50,000 minimum

• Uninsured/underinsured motorist coverage also set at $50,000/$100,000

• Enhanced limits and protections provide greater coverage but may affect premiums

• All drivers must carry valid auto insurance to operate vehicles legally in the state.