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Gibson City Car Insurance Resources

Gibson City, IL Car Insurance

Cars Insured in Gibson City

^ There are an estimated 2,109 vehicles currently insured in Gibson City. [1]

Car Insurance Rates in Gibson City

^ From 2006 to 2010, Illinois cities had the 26th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Gibson City

^ There are an estimated 331 uninsured motorists driving in Gibson City. [3]

IL Car Insurance

Gibson City Car Insurance

Car Insurance Liability Requirements in Gibson City

  • Minimum Liability Limits in Gibson City: 20/40/15 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 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 Gibson City

Required Car Insurance Coverage in Gibson City
  • Gibson City Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Gibson City

  • Insurer Verification of Auto Insurance in Gibson City [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.
    • Insurer must verify randomly selected insurance policies upon request.

Gibson City Car Insurance Facts, Estimates & Related Laws

Gibson City Car Insurance Stats

Gibson City Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Gibson City
    • Based on historical and current data, 2,109 cars are currently insured in Gibson City. [5]
    • Illinois cities collectively ranked 7th in the nation in auto insurance policies in 2011 with a total of 7,942,599. [1]
  • Uninsured Motorist Rate in Gibson City
    • Based on historical and current data, Gibson City has an estimated 331 uninsured drivers. [6]
    • Illinois cities collectively had the 20th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Gibson City
    • Illinois cities collectively had the 24th highest auto insurance rates in the nation in 2010. [2]

Gibson City Distracted Driving Laws


  • Hand-held phone ban? Yes
    • hand-held phone ban in place for drivers in construction and school speed zones or within 500 feet of an emergency scene (exemption applies for drivers reporting an emergency situation or communicating with emergency personnel during an emergency situation). [7]
  • 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 19 and learner's permit holders younger than 19. [7]
  • Bus driver cell phone ban? Yes
    • Ban applies to school bus drivers. [7]
  • 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.

Gibson City Automotive Laws

  • Minimum Driving Age in Gibson City [9]
    • Gibson City, IL minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Gibson City
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Gibson City
    • No law in place. [7]
  • Safety Belt Laws in Gibson City
    • Safety belt laws have been in place since 1988 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger. [7]

Illinois Car & Driver Facts

Illinois Auto Registrations

Illinois Car & Driver Facts
  • Auto Registrations in IL [8]
    • Registered Cars: 5,563,757
    • Registered Trucks: 4,497,731
    • Registered Motorcycles: 350,292
    • Total Registrations: 10,445,208
    • Rank: Illinois ranked 4th in the United States in total auto registrations in 2011.

Illinois Automotive Facts

  • Speed Limits in IL
    • Rural interstates: 65 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Illinois Motor Fuel Consumption
    • Illinois cities collectively ranked 7th in the nation in total motor fuel consumption in 2011. [10]

Illinois Licensed Drivers

  • Licensed Drivers in IL [11]
    • Female Drivers: 4,251,141
    • Male Drivers: 4,122,828
    • Total Drivers: 8,373,969
    • Rank: 6th highest in the U.S.

Additional information about Gibson City, IL

About Gibson City

Gibson City (Illinois) is a city with a population of 3,407 [12] that is located in Ford County.

IL Car Insurance

More about Gibson City auto insurance

For more information about Gibson City car insurance, or for additional resources regarding Illinois car insurance overall, visit the Illinois Department of Insurance.

Did you know?

Cell phone use while driving a school bus is currently banned in 21 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)

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