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Lock Springs Car Insurance Resources

Lock Springs, MO Car Insurance

Cars Insured in Lock Springs

^ There are an estimated 40 vehicles currently insured in Lock Springs. [1]

Car Insurance Rates in Lock Springs

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

Uninsured Motorists in Lock Springs

^ There are an estimated 6 uninsured motorists driving in Lock Springs. [3]

MO Car Insurance

Lock Springs Car Insurance

Car Insurance Liability Requirements in Lock Springs

  • Minimum Liability Limits in Lock Springs: 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 Lock Springs

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

Car Insurance Verification Laws in Lock Springs

  • Insurer Verification of Auto Insurance in Lock Springs [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.

Lock Springs Car Insurance Facts, Estimates & Related Laws

Lock Springs Car Insurance Stats

Lock Springs Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Lock Springs
    • Based on historical and current data, 40 cars are currently insured in Lock Springs. [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 Lock Springs
    • Based on historical and current data, Lock Springs has an estimated 6 uninsured drivers. [6]
    • Missouri cities collectively had the 22nd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Lock Springs
    • Missouri cities collectively had the 33rd highest auto insurance rates in the nation in 2010. [2]

Lock Springs 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.


Lock Springs Automotive Laws

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

About Lock Springs

Lock Springs (Missouri) is a village with a population of 57 [12] that is located in Daviess County.

MO Car Insurance

More about Lock Springs auto insurance

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

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.

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 MO