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Detroit Lakes Car Insurance Resources

Detroit Lakes, MN Car Insurance

Cars Insured in Detroit Lakes

^ There are an estimated 6,200 vehicles currently insured in Detroit Lakes. [1]

Car Insurance Rates in Detroit Lakes

^ From 2006 to 2010, Minnesota cities had the 30th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Detroit Lakes

^ There are an estimated 694 uninsured motorists driving in Detroit Lakes. [3]

MN Car Insurance

Detroit Lakes Car Insurance

Car Insurance Liability Requirements in Detroit Lakes

  • Minimum Liability Limits in Detroit Lakes: 30/60/10 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 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 Detroit Lakes

Required Car Insurance Coverage in Detroit Lakes
  • Detroit Lakes Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Detroit Lakes

  • Insurer Verification of Auto Insurance in Detroit Lakes [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.

Detroit Lakes Car Insurance Facts, Estimates & Related Laws

Detroit Lakes Car Insurance Stats

Detroit Lakes Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Detroit Lakes
    • Based on historical and current data, 6,200 cars are currently insured in Detroit Lakes. [5]
    • Minnesota cities collectively ranked 21st in the nation in auto insurance policies in 2011 with a total of 3,837,593. [1]
  • Uninsured Motorist Rate in Detroit Lakes
    • Based on historical and current data, Detroit Lakes has an estimated 694 uninsured drivers. [6]
    • Minnesota cities collectively had the 26th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Detroit Lakes
    • Minnesota cities collectively had the 32nd highest auto insurance rates in the nation in 2010. [2]

Detroit Lakes 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 holders and provisional license holders during the first 12 months after licensing. [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.


Detroit Lakes Automotive Laws

  • Minimum Driving Age in Detroit Lakes [9]
    • Detroit Lakes, MN minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Detroit Lakes
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Detroit Lakes
    • Motorcycle helmets required for 17 and younger. [7]
    • Motorcycle helmet laws in Minnesota cover operators with instructional/learner\'s permits. [7]
  • Safety Belt Laws in Detroit Lakes
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 7 and younger and more than 57 inches in all seats; 8+ in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 57 inches. [7]

Minnesota Car & Driver Facts

Minnesota Auto Registrations

Minnesota Car & Driver Facts
  • Auto Registrations in MN [8]
    • Registered Cars: 2,248,879
    • Registered Trucks: 2,402,947
    • Registered Motorcycles: 240,289
    • Total Registrations: 4,909,634
    • Rank: Minnesota ranked 20th in the United States in total auto registrations in 2011.

Minnesota Automotive Facts

  • Speed Limits in MN
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Minnesota Motor Fuel Consumption
    • Minnesota cities collectively ranked 23rd in the nation in total motor fuel consumption in 2011. [10]

Minnesota Licensed Drivers

  • Licensed Drivers in MN [11]
    • Female Drivers: 1,642,549
    • Male Drivers: 1,663,590
    • Total Drivers: 3,306,139
    • Rank: 24th highest in the U.S.

Additional information about Detroit Lakes, MN

About Detroit Lakes

Detroit Lakes (Minnesota) is a city with a population of 8,569 [12] that is located in Becker County.

MN Car Insurance

More about Detroit Lakes auto insurance

For more information about Detroit Lakes car insurance, or for additional resources regarding Minnesota car insurance overall, visit the Minnesota 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)

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