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Howard City Car Insurance Resources

Howard City, MI Car Insurance

Cars Insured in Howard City

^ There are an estimated 1,128 vehicles currently insured in Howard City. [1]

Car Insurance Rates in Howard City

^ From 2006 to 2010, Michigan cities had the 12th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Howard City

^ There are an estimated 252 uninsured motorists driving in Howard City. [3]

MI Car Insurance

Howard City Car Insurance

Car Insurance Liability Requirements in Howard City

  • Minimum Liability Limits in Howard City: 20/40/10 [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
    • 10  Required coverage up to $10,000 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 Howard City

Required Car Insurance Coverage in Howard City
  • Howard City Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Howard City

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

Howard City Car Insurance Facts, Estimates & Related Laws

Howard City Car Insurance Stats

Howard City Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Howard City
    • Based on historical and current data, 1,128 cars are currently insured in Howard City. [5]
    • Michigan cities collectively ranked 10th in the nation in auto insurance policies in 2011 with a total of 6,165,963. [1]
  • Uninsured Motorist Rate in Howard City
    • Based on historical and current data, Howard City has an estimated 252 uninsured drivers. [6]
    • Michigan cities collectively had the 7th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Howard City
    • Michigan cities collectively had the 10th highest auto insurance rates in the nation in 2010. [2]

Howard City 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 (level 1 and 2); integrated voice-operated systems excepted. [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.


Howard City Automotive Laws

  • Minimum Driving Age in Howard City [9]
    • Howard City, MI minimum driving age: 14 years, 9 months.
  • Driver's License Renewal Cycle in Howard City
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Howard City
    • Motorcycle helmets required for 20 and younger. [7]
    • All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets 1) if they carry additional insurance and have passed a motorcycle safety course or 2) if they have had their motorcycle endorsement for at least two years. [7]
  • Safety Belt Laws in Howard City
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in front seat. [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]

Michigan Car & Driver Facts

Michigan Auto Registrations

Michigan Car & Driver Facts
  • Auto Registrations in MI [8]
    • Registered Cars: 4,742,808
    • Registered Trucks: 4,111,481
    • Registered Motorcycles: 308,349
    • Total Registrations: 9,182,847
    • Rank: Michigan ranked 8th in the United States in total auto registrations in 2011.

Michigan Automotive Facts

  • Speed Limits in MI
    • Rural interstates: 70 mph (Trucks: 60 mph) [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Michigan Motor Fuel Consumption
    • Michigan cities collectively ranked 10th in the nation in total motor fuel consumption in 2011. [10]

Michigan Licensed Drivers

  • Licensed Drivers in MI [11]
    • Female Drivers: 3,613,751
    • Male Drivers: 3,445,758
    • Total Drivers: 7,059,509
    • Rank: 8th highest in the U.S.

Additional information about Howard City, MI

About Howard City

Howard City (Michigan) is a village with a population of 1,808 [12] that is located in Montcalm County.

MI Car Insurance

More about Howard City auto insurance

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

Did you know?

Novice drivers are prohibited from the use of all cell phones in 37 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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