Bay Harbor Islands Car Insurance Resources

Bay Harbor Islands, FL Car Insurance

Cars Insured in Bay Harbor Islands

^ There are an estimated 3,424 vehicles currently insured in Bay Harbor Islands. ^[1]

Car Insurance Rates in Bay Harbor Islands

^ From 2006 to 2010, Florida cities had the 5th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Bay Harbor Islands

^ There are an estimated 977 uninsured motorists driving in Bay Harbor Islands. ^[3]

Bay Harbor Islands Car Insurance

Car Insurance Liability Requirements in Bay Harbor Islands

Minimum Liability Limits in Bay Harbor Islands: 10/20/10 ^[4]
- 10 Required coverage up to $10,000 for one individual injured in an accident
- 20 Required coverage up to $20,000 for all persons injured in an accident
- 10 Required coverage up to $10,000 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: Instead of policy limits, policyholders can satisfy the requirement with a combined single limit policy.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Bay Harbor Islands

Bay Harbor Islands Auto Insurance Coverage Requirements ^[4]
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Bay Harbor Islands

Insurer Verification of Auto Insurance in Bay Harbor Islands ^[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.

Bay Harbor Islands Car Insurance Facts, Estimates & Related Laws

Bay Harbor Islands Car Insurance Stats

Number of Auto Insurance Policies in Bay Harbor Islands
- Based on historical and current data, 3,424 cars are currently insured in Bay Harbor Islands. ^[5]
- Florida cities collectively ranked 3rd in the nation in auto insurance policies in 2011 with a total of 11,439,646. ^[1]
Uninsured Motorist Rate in Bay Harbor Islands
- Based on historical and current data, Bay Harbor Islands has an estimated 977 uninsured drivers. ^[6]
- Florida cities collectively had the 5th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Bay Harbor Islands
- Florida cities collectively had the 5th highest auto insurance rates in the nation in 2010. ^[2]

Bay Harbor Islands 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? No
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.

Bay Harbor Islands Automotive Laws

Minimum Driving Age in Bay Harbor Islands ^[9]
- Bay Harbor Islands, FL minimum driving age: 15 years.
Driver's License Renewal Cycle in Bay Harbor Islands
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Bay Harbor Islands
- Motorcycle helmets required for 20 and younger. ^[7]
- All riders younger than 21 years are required to wear helmets, without exception. Those 21 years and older may ride without helmets only if they can show proof that they are covered by a medical insurance policy. ^[7]
Safety Belt Laws in Bay Harbor Islands
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 6+ years in front seat; 6 through 17 years in all seats. ^[7]
- Child restraint law in place for 3 years and younger. ^[7]

Florida Car & Driver Facts

Florida Auto Registrations

Auto Registrations in FL ^[8]
- Registered Cars: 7,981,816
- Registered Trucks: 6,878,085
- Registered Motorcycles: 574,346
- Total Registrations: 15,469,189
- Rank: Florida ranked 3rd in the United States in total auto registrations in 2011.

Florida Automotive Facts

Speed Limits in FL
- Rural interstates: 70 mph ^[7]
- Urban interstates: 65 mph ^[7]
- Other roads: 65 mph ^[7]
Florida Motor Fuel Consumption
- Florida cities collectively ranked 3rd in the nation in total motor fuel consumption in 2011. ^[10]

Florida Licensed Drivers

Licensed Drivers in FL ^[11]
- Female Drivers: 7,124,172
- Male Drivers: 6,758,251
- Total Drivers: 13,882,423
- Rank: 3rd highest in the U.S.

Additional information about Bay Harbor Islands, FL

About Bay Harbor Islands

Bay Harbor Islands (Florida) is a town with a population of 5,628 ^[12] that is located in Miami-Dade County.

More about Bay Harbor Islands auto insurance

For more information about Bay Harbor Islands car insurance, or for additional resources regarding Florida car insurance overall, visit the Florida Department of Insurance.

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.

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)