Hume Car Insurance Resources

Hume, MO Car Insurance

Cars Insured in Hume

^ There are an estimated 238 vehicles currently insured in Hume. ^[1]

Car Insurance Rates in Hume

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

Uninsured Motorists in Hume

^ There are an estimated 33 uninsured motorists driving in Hume. ^[3]

Hume Car Insurance

Car Insurance Liability Requirements in Hume

Minimum Liability Limits in Hume: 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.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Hume

Hume Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage

Car Insurance Verification Laws in Hume

Insurer Verification of Auto Insurance in Hume ^[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.

Hume Car Insurance Facts, Estimates & Related Laws

Hume Car Insurance Stats

Number of Auto Insurance Policies in Hume
- Based on historical and current data, 238 cars are currently insured in Hume. ^[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 Hume
- Based on historical and current data, Hume has an estimated 33 uninsured drivers. ^[6]
- Missouri cities collectively had the 22nd highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Hume
- Missouri cities collectively had the 33rd highest auto insurance rates in the nation in 2010. ^[2]

Hume 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.

Hume Automotive Laws

Minimum Driving Age in Hume ^[9]
- Hume, MO minimum driving age: 15 years.
Driver's License Renewal Cycle in Hume
- Renewal cycle: 6 years ^[7]
Motorcycle Helmet Laws in Hume
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Hume
- 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

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 Hume, MO

About Hume

Hume (Missouri) is a town with a population of 336 ^[12] that is located in Bates County.

More about Hume auto insurance

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

Did you know?

Some motorcyclists are currently required by law to wear a helmet in 47 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)