Morgan Hill Car Insurance Resources

Morgan Hill, CA Car Insurance

Cars Insured in Morgan Hill

^ There are an estimated 24,630 vehicles currently insured in Morgan Hill. ^[1]

Car Insurance Rates in Morgan Hill

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

Uninsured Motorists in Morgan Hill

^ There are an estimated 3,639 uninsured motorists driving in Morgan Hill. ^[3]

Morgan Hill Car Insurance

Car Insurance Liability Requirements in Morgan Hill

Minimum Liability Limits in Morgan Hill: 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 Morgan Hill

Morgan Hill Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Morgan Hill

Insurer Verification of Auto Insurance in Morgan Hill ^[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.

Morgan Hill Car Insurance Facts, Estimates & Related Laws

Morgan Hill Car Insurance Stats

Number of Auto Insurance Policies in Morgan Hill
- Based on historical and current data, 24,630 cars are currently insured in Morgan Hill. ^[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 Morgan Hill
- Based on historical and current data, Morgan Hill has an estimated 3,639 uninsured drivers. ^[6]
- California cities collectively had the 17th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Morgan Hill
- California cities collectively had the 21st highest auto insurance rates in the nation in 2010. ^[2]

Morgan Hill 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.

Morgan Hill Automotive Laws

Minimum Driving Age in Morgan Hill ^[9]
- Morgan Hill, CA minimum driving age: 15 years, 6 months.
Driver's License Renewal Cycle in Morgan Hill
- Renewal cycle: 5 years ^[7]
Motorcycle Helmet Laws in Morgan Hill
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Morgan Hill
- 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 Morgan Hill, CA

About Morgan Hill

Morgan Hill (California) is a city with a population of 37,882 ^[12] that is located in Santa Clara County.

More about Morgan Hill auto insurance

For more information about Morgan Hill car insurance, or for additional resources regarding California car insurance overall, visit the California Department of Insurance.

Did you know?

Only three states (Illinois, Iowa, and New Hampshire) currently have no motorcycle helmet law at all.

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)