Point Arena Car Insurance Resources

Point Arena, CA Car Insurance

Cars Insured in Point Arena

^ There are an estimated 292 vehicles currently insured in Point Arena. ^[1]

Car Insurance Rates in Point Arena

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

Uninsured Motorists in Point Arena

^ There are an estimated 43 uninsured motorists driving in Point Arena. ^[3]

Point Arena Car Insurance

Car Insurance Liability Requirements in Point Arena

Minimum Liability Limits in Point Arena: 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 Point Arena

Point Arena Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Point Arena

Insurer Verification of Auto Insurance in Point Arena ^[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.

Point Arena Car Insurance Facts, Estimates & Related Laws

Point Arena Car Insurance Stats

Number of Auto Insurance Policies in Point Arena
- Based on historical and current data, 292 cars are currently insured in Point Arena. ^[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 Point Arena
- Based on historical and current data, Point Arena has an estimated 43 uninsured drivers. ^[6]
- California cities collectively had the 17th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Point Arena
- California cities collectively had the 21st highest auto insurance rates in the nation in 2010. ^[2]

Point Arena 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.

Point Arena Automotive Laws

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

About Point Arena

Point Arena (California) is a city with a population of 449 ^[12] that is located in Mendocino County.

More about Point Arena auto insurance

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

Did you know?

Driving while text messaging is currently banned for all drivers in 41 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)