Orchard Lake Village Car Insurance Resources

Orchard Lake Village, MI Car Insurance

Cars Insured in Orchard Lake Village

^ There are an estimated 1,482 vehicles currently insured in Orchard Lake Village. ^[1]

Car Insurance Rates in Orchard Lake Village

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

Uninsured Motorists in Orchard Lake Village

^ There are an estimated 331 uninsured motorists driving in Orchard Lake Village. ^[3]

Orchard Lake Village Car Insurance

Car Insurance Liability Requirements in Orchard Lake Village

Minimum Liability Limits in Orchard Lake Village: 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.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Orchard Lake Village

Orchard Lake Village Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Orchard Lake Village

Insurer Verification of Auto Insurance in Orchard Lake Village ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Orchard Lake Village Car Insurance Facts, Estimates & Related Laws

Orchard Lake Village Car Insurance Stats

Number of Auto Insurance Policies in Orchard Lake Village
- Based on historical and current data, 1,482 cars are currently insured in Orchard Lake Village. ^[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 Orchard Lake Village
- Based on historical and current data, Orchard Lake Village has an estimated 331 uninsured drivers. ^[6]
- Michigan cities collectively had the 7th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Orchard Lake Village
- Michigan cities collectively had the 10th highest auto insurance rates in the nation in 2010. ^[2]

Orchard Lake Village 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.

Orchard Lake Village Automotive Laws

Minimum Driving Age in Orchard Lake Village ^[9]
- Orchard Lake Village, MI minimum driving age: 14 years, 9 months.
Driver's License Renewal Cycle in Orchard Lake Village
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Orchard Lake Village
- 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 Orchard Lake Village
- 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

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 Orchard Lake Village, MI

About Orchard Lake Village

Orchard Lake Village (Michigan) is a city with a population of 2,375 ^[12] that is located in Oakland County.

More about Orchard Lake Village auto insurance

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

Did you know?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).

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)