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Spruce Pine Car Insurance Resources

Spruce Pine, NC Car Insurance

Cars Insured in Spruce Pine

^ There are an estimated 1,635 vehicles currently insured in Spruce Pine. [1]

Car Insurance Rates in Spruce Pine

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

Uninsured Motorists in Spruce Pine

^ There are an estimated 202 uninsured motorists driving in Spruce Pine. [3]

NC Car Insurance

Spruce Pine Car Insurance

Car Insurance Liability Requirements in Spruce Pine

  • Minimum Liability Limits in Spruce Pine: 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 Spruce Pine

Required Car Insurance Coverage in Spruce Pine
  • Spruce Pine 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 Spruce Pine

  • Insurer Verification of Auto Insurance in Spruce Pine [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.

Spruce Pine Car Insurance Facts, Estimates & Related Laws

Spruce Pine Car Insurance Stats

Spruce Pine Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Spruce Pine
    • Based on historical and current data, 1,635 cars are currently insured in Spruce Pine. [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 Spruce Pine
    • Based on historical and current data, Spruce Pine has an estimated 202 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 Spruce Pine
    • North Carolina cities collectively had the 45th highest auto insurance rates in the nation in 2010. [2]

Spruce Pine 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.


Spruce Pine Automotive Laws

  • Minimum Driving Age in Spruce Pine [9]
    • Spruce Pine, NC minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Spruce Pine
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Spruce Pine
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Spruce Pine
    • 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 Spruce Pine, NC

About Spruce Pine

Spruce Pine (North Carolina) is a town with a population of 2,175 [12] that is located in Mitchell County.

NC Car Insurance

More about Spruce Pine auto insurance

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

Did you know?

California has a program that offers low-cost auto policies to low-income drivers (California Assigned Risk Program).

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)

Additional Cities in NC