Car Insurance in 01063 (Northampton, MA)
Car Insurance Liability Requirements in 01063
- Minimum Liability Limits in 01063: 20/40/5 [4]
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- 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
- 5 Required coverage up to $5,000 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 01063
- 01063 Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Personal injury protection coverage
Car Insurance Verification Laws in 01063
- Insurer Verification of Auto Insurance in 01063 [4]
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- 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.
Car Insurance Facts, Estimates & Related Laws for ZIP Code 01063
Car Insurance Stats for 01063
- Number of Auto Insurance Policies in 01063
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- Based on historical and current data, 280 cars are currently insured in 01063. [5]
- Massachusetts cities collectively ranked 16th in the nation in auto insurance policies in 2011 with a total of 4,256,127. [1]
- Uninsured Motorist Rate in 01063
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- Based on historical and current data, ZIP Code 01063 has an estimated 14 uninsured drivers. [6]
- Massachusetts cities collectively had the 50th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in 01063
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- All Massachusetts ZIP Codes collectively had the 12th highest auto insurance rates in the nation in 2010. [2]
01063 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 drivers younger than 18. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers and passenger 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.
Automotive Laws in ZIP Code 01063
- Minimum Driving Age in 01063 [9]
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- 01063 minimum driving age: 16 years.
- Driver's License Renewal Cycle in 01063
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- Renewal cycle: 5 years [7]
- Motorcycle Helmet Laws in 01063
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- Motorcycle helmets required for all riders. [7]
- Safety Belt Laws in 01063
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- Safety belt laws have been in place since 1994 and apply to drivers/passengers 13+ years in all seats. [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
Massachusetts Car & Driver Facts
Massachusetts (including 01063) Auto Registrations
- Auto Registrations in MA [8]
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- Registered Cars: 3,180,009
- Registered Trucks: 2,344,721
- Registered Motorcycles: 159,007
- Total Registrations: 5,695,327
- Rank: Massachusetts ranked 15th in the United States in total auto registrations in 2011.
Massachusetts (including 01063) Automotive Facts
- Speed Limits in MA
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- Rural interstates: 65 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Massachusetts (including 01063) Motor Fuel Consumption
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- Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011. [10]
Massachusetts Licensed Drivers
- Licensed Drivers in MA [11]
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- Female Drivers: 2,369,052
- Male Drivers: 2,314,271
- Total Drivers: 4,683,323
- Rank: 15th highest in the U.S.
Additional information about Massachusetts
About 01063
The region that is made up by ZIP Code 01063 has a population of approximately 430 and is located in Hampshire County in Massachusetts (Northampton, MA). [4]
Did you know?
As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.
Car Insurance Resources for Other ZIP Codes in Massachusetts
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)
