Pismo Beach Car Insurance Resources

Pismo Beach, CA Car Insurance

Cars Insured in Pismo Beach

^ There are an estimated 4,977 vehicles currently insured in Pismo Beach. ^[1]

Car Insurance Rates in Pismo Beach

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

Uninsured Motorists in Pismo Beach

^ There are an estimated 735 uninsured motorists driving in Pismo Beach. ^[3]

Pismo Beach Car Insurance

Car Insurance Liability Requirements in Pismo Beach

Minimum Liability Limits in Pismo Beach: 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 Pismo Beach

Pismo Beach Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Pismo Beach

Insurer Verification of Auto Insurance in Pismo Beach ^[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.

Pismo Beach Car Insurance Facts, Estimates & Related Laws

Pismo Beach Car Insurance Stats

Number of Auto Insurance Policies in Pismo Beach
- Based on historical and current data, 4,977 cars are currently insured in Pismo Beach. ^[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 Pismo Beach
- Based on historical and current data, Pismo Beach has an estimated 735 uninsured drivers. ^[6]
- California cities collectively had the 17th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Pismo Beach
- California cities collectively had the 21st highest auto insurance rates in the nation in 2010. ^[2]

Pismo Beach 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.

Pismo Beach Automotive Laws

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

About Pismo Beach

Pismo Beach (California) is a city with a population of 7,655 ^[12] that is located in San Luis Obispo County.

More about Pismo Beach auto insurance

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

Did you know?

Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.

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)