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Ouray Car Insurance Resources

Ouray, CO Car Insurance

Cars Insured in Ouray

^ There are an estimated 752 vehicles currently insured in Ouray. [1]

Car Insurance Rates in Ouray

^ From 2006 to 2010, Colorado cities had the 24th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Ouray

^ There are an estimated 111 uninsured motorists driving in Ouray. [3]

CO Car Insurance

Ouray Car Insurance

Car Insurance Liability Requirements in Ouray

  • Minimum Liability Limits in Ouray: 25/50/15 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 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.

Required Car Insurance Coverage in Ouray

Required Car Insurance Coverage in Ouray
  • Ouray Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Ouray

  • Insurer Verification of Auto Insurance in Ouray [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • 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.

Ouray Car Insurance Facts, Estimates & Related Laws

Ouray Car Insurance Stats

Ouray Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Ouray
    • Based on historical and current data, 752 cars are currently insured in Ouray. [5]
    • Colorado cities collectively ranked 22nd in the nation in auto insurance policies in 2011 with a total of 3,780,070. [1]
  • Uninsured Motorist Rate in Ouray
    • Based on historical and current data, Ouray has an estimated 111 uninsured drivers. [6]
    • Colorado cities collectively had the 16th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Ouray
    • Colorado cities collectively had the 25th highest auto insurance rates in the nation in 2010. [2]

Ouray Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect. [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.


Ouray Automotive Laws

  • Minimum Driving Age in Ouray [9]
    • Ouray, CO minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Ouray
    • Renewal cycle: 10 years [7]
  • Motorcycle Helmet Laws in Ouray
    • Motorcycle helmets required for 17 and younger and passengers 17 and younger. [7]
  • Safety Belt Laws in Ouray
    • Safety belt laws have been in place since 1987 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing infant seat; 1 - 3 years and 20-40 pounds in a child safety seat; 4 - 7 years in a booster seat. [7]

Colorado Car & Driver Facts

Colorado Auto Registrations

Colorado Car & Driver Facts
  • Auto Registrations in CO [8]
    • Registered Cars: 1,798,922
    • Registered Trucks: 2,350,093
    • Registered Motorcycles: 173,231
    • Total Registrations: 4,332,251
    • Rank: Colorado ranked 22nd in the United States in total auto registrations in 2011.

Colorado Automotive Facts

  • Speed Limits in CO
    • Rural interstates: 75 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 65 mph [7]
  • Colorado Motor Fuel Consumption
    • Colorado cities collectively ranked 26th in the nation in total motor fuel consumption in 2011. [10]

Colorado Licensed Drivers

  • Licensed Drivers in CO [11]
    • Female Drivers: 1,843,108
    • Male Drivers: 1,826,708
    • Total Drivers: 3,669,816
    • Rank: 22nd highest in the U.S.

Additional information about Ouray, CO

About Ouray

Ouray (Colorado) is a city with a population of 1,000 [12] that is located in Ouray County.

CO Car Insurance

More about Ouray auto insurance

For more information about Ouray car insurance, or for additional resources regarding Colorado car insurance overall, visit the Colorado 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)

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