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Excelsior Estates Car Insurance Resources

Excelsior Estates, MO Car Insurance

Cars Insured in Excelsior Estates

^ There are an estimated 104 vehicles currently insured in Excelsior Estates. [1]

Car Insurance Rates in Excelsior Estates

^ From 2006 to 2010, Missouri cities had the 34th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Excelsior Estates

^ There are an estimated 14 uninsured motorists driving in Excelsior Estates. [3]

MO Car Insurance

Excelsior Estates Car Insurance

Car Insurance Liability Requirements in Excelsior Estates

  • Minimum Liability Limits in Excelsior Estates: 25/50/10 [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
    • 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 Excelsior Estates

Required Car Insurance Coverage in Excelsior Estates
  • Excelsior Estates Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage

Car Insurance Verification Laws in Excelsior Estates

  • Insurer Verification of Auto Insurance in Excelsior Estates [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.
    • 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.

Excelsior Estates Car Insurance Facts, Estimates & Related Laws

Excelsior Estates Car Insurance Stats

Excelsior Estates Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Excelsior Estates
    • Based on historical and current data, 104 cars are currently insured in Excelsior Estates. [5]
    • Missouri cities collectively ranked 17th in the nation in auto insurance policies in 2011 with a total of 4,250,331. [1]
  • Uninsured Motorist Rate in Excelsior Estates
    • Based on historical and current data, Excelsior Estates has an estimated 14 uninsured drivers. [6]
    • Missouri cities collectively had the 22nd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Excelsior Estates
    • Missouri cities collectively had the 33rd highest auto insurance rates in the nation in 2010. [2]

Excelsior Estates Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for drivers 21 and younger. [7]
  • Young drivers cell phone ban? No
  • Bus driver cell phone ban? No
  • 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.


Excelsior Estates Automotive Laws

  • Minimum Driving Age in Excelsior Estates [9]
    • Excelsior Estates, MO minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Excelsior Estates
    • Renewal cycle: 6 years [7]
  • Motorcycle Helmet Laws in Excelsior Estates
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Excelsior Estates
    • 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 3 years and younger or less than 10 pounds must be in a child restraint; 4 - 7 years between 40 and 80 pounds and 4-feet-9-inches or shorter in booster seat. [7]

Missouri Car & Driver Facts

Missouri Auto Registrations

Missouri Car & Driver Facts
  • Auto Registrations in MO [8]
    • Registered Cars: 2,440,765
    • Registered Trucks: 2,572,195
    • Registered Motorcycles: 140,947
    • Total Registrations: 5,169,994
    • Rank: Missouri ranked 18th in the United States in total auto registrations in 2011.

Missouri Automotive Facts

  • Speed Limits in MO
    • Rural interstates: 70 mph [7]
    • Urban interstates: 60 mph [7]
    • Other roads: 65 mph [7]
  • Missouri Motor Fuel Consumption
    • Missouri cities collectively ranked 14th in the nation in total motor fuel consumption in 2011. [10]

Missouri Licensed Drivers

  • Licensed Drivers in MO [11]
    • Female Drivers: 2,177,938
    • Male Drivers: 2,099,099
    • Total Drivers: 4,277,037
    • Rank: 18th highest in the U.S.

Additional information about Excelsior Estates, MO

About Excelsior Estates

Excelsior Estates (Missouri) is a village with a population of 147 [12] that is located in Ray County.

MO Car Insurance

More about Excelsior Estates auto insurance

For more information about Excelsior Estates car insurance, or for additional resources regarding Missouri car insurance overall, visit the Missouri Department of Insurance.

Did you know?

Cell phone use while driving a school bus is currently banned in 21 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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