Ruston Car Insurance Resources

Ruston, LA Car Insurance

Cars Insured in Ruston

^ There are an estimated 13,891 vehicles currently insured in Ruston. ^[1]

Car Insurance Rates in Ruston

^ From 2006 to 2010, Louisiana cities had the 3rd highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Ruston

^ There are an estimated 1,982 uninsured motorists driving in Ruston. ^[3]

Ruston Car Insurance

Car Insurance Liability Requirements in Ruston

Minimum Liability Limits in Ruston: 15/30/25 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 25 Required coverage up to $25,000 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 Ruston

Ruston Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage

Car Insurance Verification Laws in Ruston

Insurer Verification of Auto Insurance in Ruston ^[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.

Ruston Car Insurance Facts, Estimates & Related Laws

Ruston Car Insurance Stats

Number of Auto Insurance Policies in Ruston
- Based on historical and current data, 13,891 cars are currently insured in Ruston. ^[5]
- Louisiana cities collectively ranked 26th in the nation in auto insurance policies in 2011 with a total of 2,880,946. ^[1]
Uninsured Motorist Rate in Ruston
- Based on historical and current data, Ruston has an estimated 1,982 uninsured drivers. ^[6]
- Louisiana cities collectively had the 27th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Ruston
- Louisiana cities collectively had the 3rd highest auto insurance rates in the nation in 2010. ^[2]

Ruston Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for all learner's permit holders, irrespective of age, and all intermediate license holders. ^[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 all novice drivers, see footnote for detail4. ^[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.

Ruston Automotive Laws

Minimum Driving Age in Ruston ^[9]
- Ruston, LA minimum driving age: 15 years.
Driver's License Renewal Cycle in Ruston
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Ruston
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Ruston
- Safety belt laws have been in place since 1986 and apply to drivers/passengers 13+ years in all seats. ^[7]
- Child restraint law in place for younger than 1 year or less than 20 pounds in a child safety seat; 1 - 3 years or 20-39 pounds in a forward-facing child safety seat; 4 - 5 years or 40-60 pounds in a child booster seat. ^[7]

Louisiana Car & Driver Facts

Louisiana Auto Registrations

Auto Registrations in LA ^[8]
- Registered Cars: 1,801,488
- Registered Trucks: 2,169,221
- Registered Motorcycles: 68,460
- Total Registrations: 4,052,596
- Rank: Louisiana ranked 23rd in the United States in total auto registrations in 2011.

Louisiana Automotive Facts

Speed Limits in LA
- Rural interstates: 75 mph ^[7]
- Urban interstates: 70 mph ^[7]
- Other roads: 65 mph ^[7]
Louisiana Motor Fuel Consumption
- Louisiana cities collectively ranked 24th in the nation in total motor fuel consumption in 2011. ^[10]

Louisiana Licensed Drivers

Licensed Drivers in LA ^[11]
- Female Drivers: 1,646,556
- Male Drivers: 1,539,671
- Total Drivers: 3,186,227
- Rank: 25th highest in the U.S.

Additional information about Ruston, LA

About Ruston

Ruston (Louisiana) is a city with a population of 21,859 ^[12] that is located in Lincoln County.

More about Ruston auto insurance

For more information about Ruston car insurance, or for additional resources regarding Louisiana car insurance overall, visit the Louisiana Department of Insurance.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.

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)