Saratoga Springs Car Insurance Resources

Saratoga Springs, NY Car Insurance

Cars Insured in Saratoga Springs

^ There are an estimated 12,839 vehicles currently insured in Saratoga Springs. ^[1]

Car Insurance Rates in Saratoga Springs

^ From 2006 to 2010, New York cities had the 4th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Saratoga Springs

^ There are an estimated 831 uninsured motorists driving in Saratoga Springs. ^[3]

Saratoga Springs Car Insurance

Car Insurance Liability Requirements in Saratoga Springs

Minimum Liability Limits in Saratoga 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.
- Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Saratoga Springs

Saratoga Springs Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Saratoga Springs

Insurer Verification of Auto Insurance in Saratoga Springs ^[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.

Saratoga Springs Car Insurance Facts, Estimates & Related Laws

Saratoga Springs Car Insurance Stats

Number of Auto Insurance Policies in Saratoga Springs
- Based on historical and current data, 12,839 cars are currently insured in Saratoga Springs. ^[5]
- New York cities collectively ranked 4th in the nation in auto insurance policies in 2011 with a total of 9,358,429. ^[1]
Uninsured Motorist Rate in Saratoga Springs
- Based on historical and current data, Saratoga Springs has an estimated 831 uninsured drivers. ^[6]
- New York cities collectively had the 49th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Saratoga Springs
- New York cities collectively had the 4th highest auto insurance rates in the nation in 2010. ^[2]

Saratoga Springs 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? 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.

Saratoga Springs Automotive Laws

Minimum Driving Age in Saratoga Springs ^[9]
- Saratoga Springs, NY minimum driving age: 16 years.
Driver's License Renewal Cycle in Saratoga Springs
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Saratoga Springs
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Saratoga Springs
- Safety belt laws have been in place since 1984 and apply to drivers/passengers 16+ years in front seat. ^[7]
- Child restraint law in place for 3 and younger unless more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 - 7 years unless they are seated where there is no available lap/shoulder belt. ^[7]

New York Car & Driver Facts

New York Auto Registrations

Auto Registrations in NY ^[8]
- Registered Cars: 5,866,664
- Registered Trucks: 4,169,695
- Registered Motorcycles: 345,855
- Total Registrations: 10,430,559
- Rank: New York ranked 5th in the United States in total auto registrations in 2011.

New York Automotive Facts

Speed Limits in NY
- Rural interstates: 65 mph ^[7]
- Urban interstates: 65 mph ^[7]
- Other roads: 55 mph ^[7]
New York Motor Fuel Consumption
- New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011. ^[10]

New York Licensed Drivers

Licensed Drivers in NY ^[11]
- Female Drivers: 5,438,554
- Male Drivers: 5,772,229
- Total Drivers: 11,210,783
- Rank: 4th highest in the U.S.

Additional information about Saratoga Springs, NY

About Saratoga Springs

Saratoga Springs (New York) is a city with a population of 26,586 ^[12] that is located in Saratoga County.

More about Saratoga Springs auto insurance

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

Did you know?

Only three states (Illinois, Iowa, and New Hampshire) currently have no motorcycle helmet law at all.

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)