Carmel By The Sea Car Insurance Resources

Carmel By The Sea, CA Car Insurance

Cars Insured in Carmel By The Sea

^ There are an estimated 2,420 vehicles currently insured in Carmel By The Sea. ^[1]

Car Insurance Rates in Carmel By The Sea

^ From 2006 to 2010, California cities had the 20th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Carmel By The Sea

^ There are an estimated 358 uninsured motorists driving in Carmel By The Sea. ^[3]

Carmel By The Sea Car Insurance

Car Insurance Liability Requirements in Carmel By The Sea

Minimum Liability Limits in Carmel By The Sea: 15/30/5 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 5 Required coverage up to $5,000 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.
- Note: CA has a California Automobile Assigned Risk Plan for low-income drivers with low-cost policy limits of $10,000/$20,000/$3,000.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Carmel By The Sea

Carmel By The Sea Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Carmel By The Sea

Insurer Verification of Auto Insurance in Carmel By The Sea ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify financial responsibility or insurance after an accident or arrest.
- Insurers must submit entire list of insurance in effect, which may be compared with registrations at a state agency. Also known as a computer data law.

Carmel By The Sea Car Insurance Facts, Estimates & Related Laws

Carmel By The Sea Car Insurance Stats

Number of Auto Insurance Policies in Carmel By The Sea
- Based on historical and current data, 2,420 cars are currently insured in Carmel By The Sea. ^[5]
- California cities collectively ranked 1st in the nation in auto insurance policies in 2011 with a total of 24,221,799. ^[1]
Uninsured Motorist Rate in Carmel By The Sea
- Based on historical and current data, Carmel By The Sea has an estimated 358 uninsured drivers. ^[6]
- California cities collectively had the 17th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Carmel By The Sea
- California cities collectively had the 21st highest auto insurance rates in the nation in 2010. ^[2]

Carmel By The Sea 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, although drivers older than 18 may dictate, send or listen to text-based messages if they're using voice-activated, hands-free devices. ^[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 and transit bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect for hand-held and texting laws. Secondary enforcement in effect for all cell phone use by drivers 17 and younger. ^[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.

Carmel By The Sea Automotive Laws

Minimum Driving Age in Carmel By The Sea ^[9]
- Carmel By The Sea, CA minimum driving age: 15 years, 6 months.
Driver's License Renewal Cycle in Carmel By The Sea
- Renewal cycle: 5 years ^[7]
Motorcycle Helmet Laws in Carmel By The Sea
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Carmel By The Sea
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 16+ years in all seats. ^[7]
- Child restraint law in place for 7 years and younger who are less than 57 inches. ^[7]

California Car & Driver Facts

California Auto Registrations

Auto Registrations in CA ^[8]
- Registered Cars: 14,549,841
- Registered Trucks: 13,771,330
- Registered Motorcycles: 818,650
- Total Registrations: 29,176,697
- Rank: California ranked 1st in the United States in total auto registrations in 2011.

California Automotive Facts

Speed Limits in CA
- Rural interstates: 70 mph (Trucks: 55 mph) ^[7]
- Urban interstates: 65 mph (Trucks: 55 mph) ^[7]
- Other roads: 65 mph (Trucks: 55 mph) ^[7]
California Motor Fuel Consumption
- California cities collectively ranked 1st in the nation in total motor fuel consumption in 2011. ^[10]

California Licensed Drivers

Licensed Drivers in CA ^[11]
- Female Drivers: 11,746,427
- Male Drivers: 12,110,173
- Total Drivers: 23,856,600
- Rank: 1st highest in the U.S.

Additional information about Carmel By The Sea, CA

About Carmel By The Sea

Carmel By The Sea (California) is a city with a population of 3,722 ^[12] that is located in Monterey County.

More about Carmel By The Sea auto insurance

For more information about Carmel By The Sea car insurance, or for additional resources regarding California car insurance overall, visit the California Department of Insurance.

Did you know?

Cell phone use while driving a school bus is currently banned in 21 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)