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Lincoln City Car Insurance Resources

Lincoln City, OR Car Insurance

Cars Insured in Lincoln City

^ There are an estimated 5,563 vehicles currently insured in Lincoln City. [1]

Car Insurance Rates in Lincoln City

^ From 2006 to 2010, Oregon cities had the 28th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Lincoln City

^ There are an estimated 597 uninsured motorists driving in Lincoln City. [3]

OR Car Insurance

Lincoln City Car Insurance

Car Insurance Liability Requirements in Lincoln City

  • Minimum Liability Limits in Lincoln City: 25/50/20 [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
    • 20  Required coverage up to $20,000 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 Lincoln City

Required Car Insurance Coverage in Lincoln City
  • Lincoln City Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage
    • Note: Underinsured motorist coverage is mandatory when uninsured motorist liability limit is greater than the required financial responsibility.

Car Insurance Verification Laws in Lincoln City

  • Insurer Verification of Auto Insurance in Lincoln City [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.

Lincoln City Car Insurance Facts, Estimates & Related Laws

Lincoln City Car Insurance Stats

Lincoln City Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Lincoln City
    • Based on historical and current data, 5,563 cars are currently insured in Lincoln City. [5]
    • Oregon cities collectively ranked 28th in the nation in auto insurance policies in 2011 with a total of 2,687,350. [1]
  • Uninsured Motorist Rate in Lincoln City
    • Based on historical and current data, Lincoln City has an estimated 597 uninsured drivers. [6]
    • Oregon cities collectively had the 38th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Lincoln City
    • Oregon cities collectively had the 26th highest auto insurance rates in the nation in 2010. [2]

Lincoln City 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 drivers younger than 18. [7]
  • 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.

Lincoln City Automotive Laws

  • Minimum Driving Age in Lincoln City [9]
    • Lincoln City, OR minimum driving age: 15 years.
  • Driver's License Renewal Cycle in Lincoln City
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Lincoln City
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Lincoln City
    • Safety belt laws have been in place since 1990 and apply to drivers/passengers 16+ years in all seats. [7]
    • Child restraint law in place for younger than 1 year or less than 20 pounds in rear facing child safety seat; 7 or younger and 40 pounds or less in child safety seat; more than 40 pounds but 4-feet-9 inches or less in booster. [7]

Oregon Car & Driver Facts

Oregon Auto Registrations

Oregon Car & Driver Facts
  • Auto Registrations in OR [8]
    • Registered Cars: 1,472,348
    • Registered Trucks: 1,542,955
    • Registered Motorcycles: 108,317
    • Total Registrations: 3,128,120
    • Rank: Oregon ranked 29th in the United States in total auto registrations in 2011.

Oregon Automotive Facts

  • Speed Limits in OR
    • Rural interstates: 65 mph (Trucks: 55 mph) [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Oregon Motor Fuel Consumption
    • Oregon cities collectively ranked 31st in the nation in total motor fuel consumption in 2011. [10]

Oregon Licensed Drivers

  • Licensed Drivers in OR [11]
    • Female Drivers: 1,392,461
    • Male Drivers: 1,381,495
    • Total Drivers: 2,773,956
    • Rank: 28th highest in the U.S.

Additional information about Lincoln City, OR

About Lincoln City

Lincoln City (Oregon) is a city with a population of 7,930 [12] that is located in Lincoln County.

OR Car Insurance

More about Lincoln City auto insurance

For more information about Lincoln City car insurance, or for additional resources regarding Oregon car insurance overall, visit the Oregon 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 OR