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Howard Lake Car Insurance Resources

Howard Lake, MN Car Insurance

Cars Insured in Howard Lake

^ There are an estimated 1,420 vehicles currently insured in Howard Lake. [1]

Car Insurance Rates in Howard Lake

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

Uninsured Motorists in Howard Lake

^ There are an estimated 159 uninsured motorists driving in Howard Lake. [3]

MN Car Insurance

Howard Lake Car Insurance

Car Insurance Liability Requirements in Howard Lake

  • Minimum Liability Limits in Howard Lake: 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 Howard Lake

Required Car Insurance Coverage in Howard Lake
  • Howard Lake 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 Howard Lake

  • Insurer Verification of Auto Insurance in Howard Lake [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.

Howard Lake Car Insurance Facts, Estimates & Related Laws

Howard Lake Car Insurance Stats

Howard Lake Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Howard Lake
    • Based on historical and current data, 1,420 cars are currently insured in Howard Lake. [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 Howard Lake
    • Based on historical and current data, Howard Lake has an estimated 159 uninsured drivers. [6]
    • Minnesota cities collectively had the 26th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Howard Lake
    • Minnesota cities collectively had the 32nd highest auto insurance rates in the nation in 2010. [2]

Howard Lake 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.


Howard Lake Automotive Laws

  • Minimum Driving Age in Howard Lake [9]
    • Howard Lake, MN minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Howard Lake
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Howard Lake
    • 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 Howard Lake
    • 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 Howard Lake, MN

About Howard Lake

Howard Lake (Minnesota) is a city with a population of 1,962 [12] that is located in Wright County.

MN Car Insurance

More about Howard Lake auto insurance

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

Did you know?

As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.

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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