Harvey Cedars Car Insurance Resources

Harvey Cedars, NJ Car Insurance

Cars Insured in Harvey Cedars

^ There are an estimated 205 vehicles currently insured in Harvey Cedars. ^[1]

Car Insurance Rates in Harvey Cedars

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

Uninsured Motorists in Harvey Cedars

^ There are an estimated 26 uninsured motorists driving in Harvey Cedars. ^[3]

Harvey Cedars Car Insurance

Car Insurance Liability Requirements in Harvey Cedars

Minimum Liability Limits in Harvey Cedars: 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 Harvey Cedars

Harvey Cedars 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 Harvey Cedars

Insurer Verification of Auto Insurance in Harvey Cedars ^[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.

Harvey Cedars Car Insurance Facts, Estimates & Related Laws

Harvey Cedars Car Insurance Stats

Number of Auto Insurance Policies in Harvey Cedars
- Based on historical and current data, 205 cars are currently insured in Harvey Cedars. ^[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 Harvey Cedars
- Based on historical and current data, Harvey Cedars has an estimated 26 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 Harvey Cedars
- New Jersey cities collectively had the 1st highest auto insurance rates in the nation in 2010. ^[2]

Harvey Cedars 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.

Harvey Cedars Automotive Laws

Minimum Driving Age in Harvey Cedars ^[9]
- Harvey Cedars, NJ minimum driving age: 16 years.
Driver's License Renewal Cycle in Harvey Cedars
- Renewal cycle: 4 years ^[7]
Motorcycle Helmet Laws in Harvey Cedars
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Harvey Cedars
- 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 Harvey Cedars, NJ

About Harvey Cedars

Harvey Cedars (New Jersey) is a borough with a population of 337 ^[12] that is located in Ocean County.

More about Harvey Cedars auto insurance

For more information about Harvey Cedars 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)