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Louisville Car Insurance Resources

Louisville, MS Car Insurance

Cars Insured in Louisville

^ There are an estimated 4,098 vehicles currently insured in Louisville. [1]

Car Insurance Rates in Louisville

^ From 2006 to 2010, Mississippi cities had the 22nd highest auto insurance rates in the nation. [2]

Uninsured Motorists in Louisville

^ There are an estimated 1,206 uninsured motorists driving in Louisville. [3]

MS Car Insurance

Louisville Car Insurance

Car Insurance Liability Requirements in Louisville

  • Minimum Liability Limits in Louisville: 25/50/25 [4]
    • 25  Required coverage up to $25,000 for one individual injured in an accident
    • 50  Required coverage up to $50,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 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 Louisville

Required Car Insurance Coverage in Louisville
  • Louisville Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Louisville

  • Insurer Verification of Auto Insurance in Louisville [4]
    • 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.

Louisville Car Insurance Facts, Estimates & Related Laws

Louisville Car Insurance Stats

Louisville Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Louisville
    • Based on historical and current data, 4,098 cars are currently insured in Louisville. [5]
    • Mississippi cities collectively ranked 33rd in the nation in auto insurance policies in 2011 with a total of 1,833,956. [1]
  • Uninsured Motorist Rate in Louisville
    • Based on historical and current data, Louisville has an estimated 1,206 uninsured drivers. [6]
    • Mississippi cities collectively had the 1st highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Louisville
    • Mississippi cities collectively had the 22nd highest auto insurance rates in the nation in 2010. [2]

Louisville Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for learner's permit and intermediate license holders and school bus drivers. [7]
  • Young drivers cell phone ban? No
  • 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.


Louisville Automotive Laws

  • Minimum Driving Age in Louisville [9]
    • Louisville, MS minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Louisville
    • Renewal cycle: 4 or 8 years, at the option of the driver [7]
  • Motorcycle Helmet Laws in Louisville
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Louisville
    • Safety belt laws have been in place since 1994 and apply to drivers/passengers 7+ years in front seat. [7]
    • Child restraint law in place for 3 years and younger must be in a child restraint; 4 - 6 years and either less than 57 inches or less than 65 pounds must be in a booster seat. [7]

Mississippi Car & Driver Facts

Mississippi Auto Registrations

Mississippi Car & Driver Facts
  • Auto Registrations in MS [8]
    • Registered Cars: 1,050,978
    • Registered Trucks: 948,456
    • Registered Motorcycles: 28,078
    • Total Registrations: 2,036,524
    • Rank: Mississippi ranked 34th in the United States in total auto registrations in 2011.

Mississippi Automotive Facts

  • Speed Limits in MS
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 65 mph [7]
  • Mississippi Motor Fuel Consumption
    • Mississippi cities collectively ranked 29th in the nation in total motor fuel consumption in 2011. [10]

Mississippi Licensed Drivers

  • Licensed Drivers in MS [11]
    • Female Drivers: 1,007,017
    • Male Drivers: 919,586
    • Total Drivers: 1,926,603
    • Rank: 33rd highest in the U.S.

Additional information about Louisville, MS

About Louisville

Louisville (Mississippi) is a city with a population of 6,631 [12] that is located in Winston County.

MS Car Insurance

More about Louisville auto insurance

For more information about Louisville car insurance, or for additional resources regarding Mississippi car insurance overall, visit the Mississippi Department of Insurance.

Did you know?

Motorcyclists are currently required by law to wear a helmet are in place in 19 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)

Additional Cities in MS