Palos Heights Car Insurance Resources

Palos Heights, IL Car Insurance

Cars Insured in Palos Heights

^ There are an estimated 7,747 vehicles currently insured in Palos Heights. ^[1]

Car Insurance Rates in Palos Heights

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

Uninsured Motorists in Palos Heights

^ There are an estimated 1,217 uninsured motorists driving in Palos Heights. ^[3]

Palos Heights Car Insurance

Car Insurance Liability Requirements in Palos Heights

Minimum Liability Limits in Palos Heights: 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.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Palos Heights

Palos Heights Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage

Car Insurance Verification Laws in Palos Heights

Insurer Verification of Auto Insurance in Palos Heights ^[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.

Palos Heights Car Insurance Facts, Estimates & Related Laws

Palos Heights Car Insurance Stats

Number of Auto Insurance Policies in Palos Heights
- Based on historical and current data, 7,747 cars are currently insured in Palos Heights. ^[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 Palos Heights
- Based on historical and current data, Palos Heights has an estimated 1,217 uninsured drivers. ^[6]
- Illinois cities collectively had the 20th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Palos Heights
- Illinois cities collectively had the 24th highest auto insurance rates in the nation in 2010. ^[2]

Palos Heights 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.

Palos Heights Automotive Laws

Minimum Driving Age in Palos Heights ^[9]
- Palos Heights, IL minimum driving age: 15 years.
Driver's License Renewal Cycle in Palos Heights
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Palos Heights
- No law in place. ^[7]
Safety Belt Laws in Palos Heights
- 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

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 Palos Heights, IL

About Palos Heights

Palos Heights (Illinois) is a city with a population of 12,515 ^[12] that is located in Cook County.

More about Palos Heights auto insurance

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

Did you know?

Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.

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)