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Spencer Car Insurance Resources

Spencer, SD Car Insurance

Cars Insured in Spencer

^ There are an estimated 130 vehicles currently insured in Spencer. [1]

Car Insurance Rates in Spencer

^ From 2006 to 2010, South Dakota cities had the 50th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Spencer

^ There are an estimated 10 uninsured motorists driving in Spencer. [3]

SD Car Insurance

Spencer Car Insurance

Car Insurance Liability Requirements in Spencer

  • Minimum Liability Limits in Spencer: 25/50/25 [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
    • 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 Spencer

Required Car Insurance Coverage in Spencer
  • Spencer Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage

Car Insurance Verification Laws in Spencer

  • Insurer Verification of Auto Insurance in Spencer [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Spencer Car Insurance Facts, Estimates & Related Laws

Spencer Car Insurance Stats

Spencer Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Spencer
    • Based on historical and current data, 130 cars are currently insured in Spencer. [5]
    • South Dakota cities collectively ranked 44th in the nation in auto insurance policies in 2011 with a total of 687,592. [1]
  • Uninsured Motorist Rate in Spencer
    • Based on historical and current data, Spencer has an estimated 10 uninsured drivers. [6]
    • South Dakota cities collectively had the 43rd highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Spencer
    • South Dakota cities collectively had the 51st highest auto insurance rates in the nation in 2010. [2]

Spencer Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for learner's permit and intermediate license holders. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Secondary 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.


Spencer Automotive Laws

  • Minimum Driving Age in Spencer [9]
    • Spencer, SD minimum driving age: 14 years.
  • Driver's License Renewal Cycle in Spencer
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in Spencer
    • Motorcycle helmets required for 17 and younger. [7]
  • Safety Belt Laws in Spencer
    • Safety belt laws have been in place since 1995 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 4 years and younger and less than 40 pounds. [7]

South Dakota Car & Driver Facts

South Dakota Auto Registrations

South Dakota Car & Driver Facts
  • Auto Registrations in SD [8]
    • Registered Cars: 384,573
    • Registered Trucks: 538,595
    • Registered Motorcycles: 69,670
    • Total Registrations: 995,423
    • Rank: South Dakota ranked 44th in the United States in total auto registrations in 2011.

South Dakota Automotive Facts

  • Speed Limits in SD
    • Rural interstates: 75 mph [7]
    • Urban interstates: 75 mph [7]
    • Other roads: 70 mph [7]
  • South Dakota Motor Fuel Consumption
    • South Dakota cities collectively ranked 45th in the nation in total motor fuel consumption in 2011. [10]

South Dakota Licensed Drivers

  • Licensed Drivers in SD [11]
    • Female Drivers: 300,232
    • Male Drivers: 303,026
    • Total Drivers: 603,258
    • Rank: 46th highest in the U.S.

Additional information about Spencer, SD

About Spencer

Spencer (South Dakota) is a city with a population of 154 [12] that is located in McCook County.

SD Car Insurance

More about Spencer auto insurance

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

Did you know?

Cell phone use while driving a school bus is currently banned in 21 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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