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East Spencer Car Insurance Resources

East Spencer, NC Car Insurance

Cars Insured in East Spencer

^ There are an estimated 1,153 vehicles currently insured in East Spencer. [1]

Car Insurance Rates in East Spencer

^ From 2006 to 2010, North Carolina cities had the 45th highest auto insurance rates in the nation. [2]

Uninsured Motorists in East Spencer

^ There are an estimated 143 uninsured motorists driving in East Spencer. [3]

NC Car Insurance

East Spencer Car Insurance

Car Insurance Liability Requirements in East Spencer

  • Minimum Liability Limits in East Spencer: 30/60/25 [4]
    • 30  Required coverage up to $30,000 for one individual injured in an accident
    • 60  Required coverage up to $60,000 for all persons injured in an accident
    • 25  Required coverage up to $25,000 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 East Spencer

Required Car Insurance Coverage in East Spencer
  • East Spencer Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Note: Underinsured motorist coverage is mandatory in policies with uninsured motorist limits exceeding 30/60.

Car Insurance Verification Laws in East Spencer

  • Insurer Verification of Auto Insurance in East Spencer [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.

East Spencer Car Insurance Facts, Estimates & Related Laws

East Spencer Car Insurance Stats

East Spencer Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in East Spencer
    • Based on historical and current data, 1,153 cars are currently insured in East Spencer. [5]
    • North Carolina cities collectively ranked 8th in the nation in auto insurance policies in 2011 with a total of 7,168,023. [1]
  • Uninsured Motorist Rate in East Spencer
    • Based on historical and current data, East Spencer has an estimated 143 uninsured drivers. [6]
    • North Carolina cities collectively had the 23rd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in East Spencer
    • North Carolina cities collectively had the 45th highest auto insurance rates in the nation in 2010. [2]

East Spencer Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to drivers younger than 18. [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.


East Spencer Automotive Laws

  • Minimum Driving Age in East Spencer [9]
    • East Spencer, NC minimum driving age: 15 years.
  • Driver's License Renewal Cycle in East Spencer
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in East Spencer
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in East Spencer
    • Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for 7 years and younger and less than 80 pounds. [7]

North Carolina Car & Driver Facts

North Carolina Auto Registrations

North Carolina Car & Driver Facts
  • Auto Registrations in NC [8]
    • Registered Cars: 3,264,444
    • Registered Trucks: 2,743,261
    • Registered Motorcycles: 223,305
    • Total Registrations: 6,249,592
    • Rank: North Carolina ranked 12th in the United States in total auto registrations in 2011.

North Carolina Automotive Facts

  • Speed Limits in NC
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • North Carolina Motor Fuel Consumption
    • North Carolina cities collectively ranked 9th in the nation in total motor fuel consumption in 2011. [10]

North Carolina Licensed Drivers

  • Licensed Drivers in NC [11]
    • Female Drivers: 3,382,446
    • Male Drivers: 3,186,895
    • Total Drivers: 6,569,341
    • Rank: 10th highest in the U.S.

Additional information about East Spencer, NC

About East Spencer

East Spencer (North Carolina) is a town with a population of 1,534 [12] that is located in Rowan County.

NC Car Insurance

More about East Spencer auto insurance

For more information about East Spencer car insurance, or for additional resources regarding North Carolina car insurance overall, visit the North Carolina Department of Insurance.

Did you know?

Driving while talking on a hand-held cell phone is currently prohibited in in 11 states and the District of Columbia.

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)

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