North Miami Beach Car Insurance Resources

North Miami Beach, FL Car Insurance

Cars Insured in North Miami Beach

^ There are an estimated 25,265 vehicles currently insured in North Miami Beach. ^[1]

Car Insurance Rates in North Miami Beach

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

Uninsured Motorists in North Miami Beach

^ There are an estimated 7,205 uninsured motorists driving in North Miami Beach. ^[3]

North Miami Beach Car Insurance

Car Insurance Liability Requirements in North Miami Beach

Minimum Liability Limits in North Miami Beach: 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 North Miami Beach

North Miami Beach Auto Insurance Coverage Requirements ^[4]
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in North Miami Beach

Insurer Verification of Auto Insurance in North Miami Beach ^[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.

North Miami Beach Car Insurance Facts, Estimates & Related Laws

North Miami Beach Car Insurance Stats

Number of Auto Insurance Policies in North Miami Beach
- Based on historical and current data, 25,265 cars are currently insured in North Miami Beach. ^[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 North Miami Beach
- Based on historical and current data, North Miami Beach has an estimated 7,205 uninsured drivers. ^[6]
- Florida cities collectively had the 5th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in North Miami Beach
- Florida cities collectively had the 5th highest auto insurance rates in the nation in 2010. ^[2]

North Miami Beach 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.

North Miami Beach Automotive Laws

Minimum Driving Age in North Miami Beach ^[9]
- North Miami Beach, FL minimum driving age: 15 years.
Driver's License Renewal Cycle in North Miami Beach
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in North Miami Beach
- 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 North Miami Beach
- 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 North Miami Beach, FL

About North Miami Beach

North Miami Beach (Florida) is a city with a population of 41,523 ^[12] that is located in Miami-Dade County.

More about North Miami Beach auto insurance

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

Did you know?

As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.

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)