Cape May Point Car Insurance Resources

Cape May Point, NJ Car Insurance

Cars Insured in Cape May Point

^ There are an estimated 177 vehicles currently insured in Cape May Point. ^[1]

Car Insurance Rates in Cape May Point

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

Uninsured Motorists in Cape May Point

^ There are an estimated 22 uninsured motorists driving in Cape May Point. ^[3]

Cape May Point Car Insurance

Car Insurance Liability Requirements in Cape May Point

Minimum Liability Limits in Cape May Point: 15/30/5 ^[4]
- 15 Required coverage up to $15,000 for one individual injured in an accident
- 30 Required coverage up to $30,000 for all persons injured in an accident
- 5 Required coverage up to $5,000 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.
- Note: Basic policy (optional) limits are $10,000/$10,000/$5,000. Uninsured and underinsured motorist coverage not available under the basic policy but uninsured motorist coverage is required under the standard policy.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Cape May Point

Cape May Point 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 Cape May Point

Insurer Verification of Auto Insurance in Cape May Point ^[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.

Cape May Point Car Insurance Facts, Estimates & Related Laws

Cape May Point Car Insurance Stats

Number of Auto Insurance Policies in Cape May Point
- Based on historical and current data, 177 cars are currently insured in Cape May Point. ^[5]
- New Jersey cities collectively ranked 12th in the nation in auto insurance policies in 2011 with a total of 5,358,929. ^[1]
Uninsured Motorist Rate in Cape May Point
- Based on historical and current data, Cape May Point has an estimated 22 uninsured drivers. ^[6]
- New Jersey cities collectively had the 31st highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Cape May Point
- New Jersey cities collectively had the 1st highest auto insurance rates in the nation in 2010. ^[2]

Cape May Point Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for all drivers. ^[7]

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 and intermediate license holders. ^[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.

Cape May Point Automotive Laws

Minimum Driving Age in Cape May Point ^[9]
- Cape May Point, NJ minimum driving age: 16 years.
Driver's License Renewal Cycle in Cape May Point
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Cape May Point
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Cape May Point
- Safety belt laws have been in place since 1985 and apply to drivers/passengers 7 years and younger and more than 80 pounds; 8+ in all seats. ^[7]
- Child restraint law in place for 7 years and younger and less than 80 pounds. ^[7]

New Jersey Car & Driver Facts

New Jersey Auto Registrations

Auto Registrations in NJ ^[8]
- Registered Cars: 4,416,631
- Registered Trucks: 3,172,253
- Registered Motorcycles: 330,489
- Total Registrations: 7,939,956
- Rank: New Jersey ranked 9th in the United States in total auto registrations in 2011.

New Jersey Automotive Facts

Speed Limits in NJ
- Rural interstates: 65 mph ^[7]
- Urban interstates: 55 mph ^[7]
- Other roads: 55 mph ^[7]
New Jersey Motor Fuel Consumption
- New Jersey cities collectively ranked 11th in the nation in total motor fuel consumption in 2011. ^[10]

New Jersey Licensed Drivers

Licensed Drivers in NJ ^[11]
- Female Drivers: 3,042,562
- Male Drivers: 2,934,896
- Total Drivers: 5,977,458
- Rank: 12th highest in the U.S.

Additional information about Cape May Point, NJ

About Cape May Point

Cape May Point (New Jersey) is a borough with a population of 291 ^[12] that is located in Cape May County.

More about Cape May Point auto insurance

For more information about Cape May Point car insurance, or for additional resources regarding New Jersey car insurance overall, visit the New Jersey Department of Insurance.

Did you know?

Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.

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)