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Harpers Ferry Car Insurance Resources

Harpers Ferry, IA Car Insurance

Cars Insured in Harpers Ferry

^ There are an estimated 260 vehicles currently insured in Harpers Ferry. [1]

Car Insurance Rates in Harpers Ferry

^ From 2006 to 2010, Iowa cities had the 49th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Harpers Ferry

^ There are an estimated 27 uninsured motorists driving in Harpers Ferry. [3]

IA Car Insurance

Harpers Ferry Car Insurance

Car Insurance Liability Requirements in Harpers Ferry

  • Minimum Liability Limits in Harpers Ferry: 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 Harpers Ferry

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

Car Insurance Verification Laws in Harpers Ferry

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

Harpers Ferry Car Insurance Facts, Estimates & Related Laws

Harpers Ferry Car Insurance Stats

Harpers Ferry Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Harpers Ferry
    • Based on historical and current data, 260 cars are currently insured in Harpers Ferry. [5]
    • Iowa cities collectively ranked 30th in the nation in auto insurance policies in 2011 with a total of 2,412,396. [1]
  • Uninsured Motorist Rate in Harpers Ferry
    • Based on historical and current data, Harpers Ferry has an estimated 27 uninsured drivers. [6]
    • Iowa cities collectively had the 29th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Harpers Ferry
    • Iowa cities collectively had the 49th highest auto insurance rates in the nation in 2010. [2]

Harpers Ferry 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 learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect for learner's permit and intermediate license holders. Secondary enforcement in effect for texting. [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.


Harpers Ferry Automotive Laws

  • Minimum Driving Age in Harpers Ferry [9]
    • Harpers Ferry, IA minimum driving age: 14 years.
  • Driver's License Renewal Cycle in Harpers Ferry
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Harpers Ferry
    • No law in place. [7]
  • Safety Belt Laws in Harpers Ferry
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing child seat; 1 through 5 years. [7]

Iowa Car & Driver Facts

Iowa Auto Registrations

Iowa Car & Driver Facts
  • Auto Registrations in IA [8]
    • Registered Cars: 1,645,916
    • Registered Trucks: 1,667,446
    • Registered Motorcycles: 174,263
    • Total Registrations: 3,496,576
    • Rank: Iowa ranked 27th in the United States in total auto registrations in 2011.

Iowa Automotive Facts

  • Speed Limits in IA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Iowa Motor Fuel Consumption
    • Iowa cities collectively ranked 28th in the nation in total motor fuel consumption in 2011. [10]

Iowa Licensed Drivers

  • Licensed Drivers in IA [11]
    • Female Drivers: 1,111,216
    • Male Drivers: 1,080,499
    • Total Drivers: 2,191,715
    • Rank: 30th highest in the U.S.

Additional information about Harpers Ferry, IA

About Harpers Ferry

Harpers Ferry (Iowa) is a city with a population of 328 [12] that is located in Allamakee County.

IA Car Insurance

More about Harpers Ferry auto insurance

For more information about Harpers Ferry car insurance, or for additional resources regarding Iowa car insurance overall, visit the Iowa Department of Insurance.

Did you know?

Of all U.S. states, Mississippi had the highest uninsured motorist rate (28 percent) when last measured.

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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