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Spencerville Car Insurance Resources

Spencerville, OH Car Insurance

Cars Insured in Spencerville

^ There are an estimated 1,561 vehicles currently insured in Spencerville. [1]

Car Insurance Rates in Spencerville

^ From 2006 to 2010, Ohio cities had the 41st highest auto insurance rates in the nation. [2]

Uninsured Motorists in Spencerville

^ There are an estimated 241 uninsured motorists driving in Spencerville. [3]

OH Car Insurance

Spencerville Car Insurance

Car Insurance Liability Requirements in Spencerville

  • Minimum Liability Limits in Spencerville: 12.5/25/7.5 [4]
    • 12.5  Required coverage up to $12,500 for one individual injured in an accident
    • 25  Required coverage up to $25,000 for all persons injured in an accident
    • 7.5  Required coverage up to $7,500 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 Spencerville

Required Car Insurance Coverage in Spencerville
  • Spencerville Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in Spencerville

  • Insurer Verification of Auto Insurance in Spencerville [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify randomly selected insurance policies upon request.

Spencerville Car Insurance Facts, Estimates & Related Laws

Spencerville Car Insurance Stats

Spencerville Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Spencerville
    • Based on historical and current data, 1,561 cars are currently insured in Spencerville. [5]
    • Ohio cities collectively ranked 6th in the nation in auto insurance policies in 2011 with a total of 8,100,690. [1]
  • Uninsured Motorist Rate in Spencerville
    • Based on historical and current data, Spencerville has an estimated 241 uninsured drivers. [6]
    • Ohio cities collectively had the 14th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Spencerville
    • Ohio cities collectively had the 43rd highest auto insurance rates in the nation in 2010. [2]

Spencerville 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 185. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect for drivers younger than 18. Secondary enforcement in effect for for texting. [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.


Spencerville Automotive Laws

  • Minimum Driving Age in Spencerville [9]
    • Spencerville, OH minimum driving age: 15 years, 6 months.
  • Driver's License Renewal Cycle in Spencerville
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Spencerville
    • Motorcycle helmets required for 17 and younger. [7]
    • Ohio\'s motorcycle helmet use law covers all operators during the first year of licensure and all passengers of operators who are covered by the law. [7]
  • Safety Belt Laws in Spencerville
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 8 through 14 in all seats; 15+ years in front seat. [7]
    • Child restraint law in place for 3 years and younger or less than 40 pounds in child restraint; 4 - 7 years who weigh 40 pounds or more and who are shorter than 57 inches in booster seat. [7]

Ohio Car & Driver Facts

Ohio Auto Registrations

Ohio Car & Driver Facts
  • Auto Registrations in OH [8]
    • Registered Cars: 5,412,188
    • Registered Trucks: 4,386,240
    • Registered Motorcycles: 390,522
    • Total Registrations: 10,217,277
    • Rank: Ohio ranked 7th in the United States in total auto registrations in 2011.

Ohio Automotive Facts

  • Speed Limits in OH
    • Rural interstates: 70 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Ohio Motor Fuel Consumption
    • Ohio cities collectively ranked 6th in the nation in total motor fuel consumption in 2011. [10]

Ohio Licensed Drivers

  • Licensed Drivers in OH [11]
    • Female Drivers: 4,118,031
    • Male Drivers: 3,864,118
    • Total Drivers: 7,982,149
    • Rank: 7th highest in the U.S.

Additional information about Spencerville, OH

About Spencerville

Spencerville (Ohio) is a village with a population of 2,223 [12] that is located in Allen County.

OH Car Insurance

More about Spencerville auto insurance

For more information about Spencerville car insurance, or for additional resources regarding Ohio car insurance overall, visit the Ohio Department of Insurance.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.

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 OH