Spotswood Car Insurance Resources

Spotswood, NJ Car Insurance

Cars Insured in Spotswood

^ There are an estimated 5,033 vehicles currently insured in Spotswood. ^[1]

Car Insurance Rates in Spotswood

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

Uninsured Motorists in Spotswood

^ There are an estimated 629 uninsured motorists driving in Spotswood. ^[3]

Spotswood Car Insurance

Car Insurance Liability Requirements in Spotswood

Minimum Liability Limits in Spotswood: 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 Spotswood

Spotswood 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 Spotswood

Insurer Verification of Auto Insurance in Spotswood ^[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.

Spotswood Car Insurance Facts, Estimates & Related Laws

Spotswood Car Insurance Stats

Number of Auto Insurance Policies in Spotswood
- Based on historical and current data, 5,033 cars are currently insured in Spotswood. ^[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 Spotswood
- Based on historical and current data, Spotswood has an estimated 629 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 Spotswood
- New Jersey cities collectively had the 1st highest auto insurance rates in the nation in 2010. ^[2]

Spotswood 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.

Spotswood Automotive Laws

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

About Spotswood

Spotswood (New Jersey) is a borough with a population of 8,257 ^[12] that is located in Middlesex County.

More about Spotswood auto insurance

For more information about Spotswood 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)