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Ridgeway Car Insurance Resources

Ridgeway, VA Car Insurance

Cars Insured in Ridgeway

^ There are an estimated 569 vehicles currently insured in Ridgeway. [1]

Car Insurance Rates in Ridgeway

^ From 2006 to 2010, Virginia cities had the 32nd highest auto insurance rates in the nation. [2]

Uninsured Motorists in Ridgeway

^ There are an estimated 55 uninsured motorists driving in Ridgeway. [3]

VA Car Insurance

Ridgeway Car Insurance

Car Insurance Liability Requirements in Ridgeway

  • Minimum Liability Limits in Ridgeway: 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 Ridgeway

Required Car Insurance Coverage in Ridgeway
  • Ridgeway Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Note: It is compulsory to buy physical damage insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

Car Insurance Verification Laws in Ridgeway

  • Insurer Verification of Auto Insurance in Ridgeway [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
    • Insurer must verify financial responsibility or insurance after an accident or arrest.
    • Insurer must verify randomly selected insurance policies upon request.
    • 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.

Ridgeway Car Insurance Facts, Estimates & Related Laws

Ridgeway Car Insurance Stats

Ridgeway Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Ridgeway
    • Based on historical and current data, 569 cars are currently insured in Ridgeway. [5]
    • Virginia cities collectively ranked 11th in the nation in auto insurance policies in 2011 with a total of 6,133,687. [1]
  • Uninsured Motorist Rate in Ridgeway
    • Based on historical and current data, Ridgeway has an estimated 55 uninsured drivers. [6]
    • Virginia cities collectively had the 36th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Ridgeway
    • Virginia cities collectively had the 34th highest auto insurance rates in the nation in 2010. [2]

Ridgeway 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 for texting. Secondary enforcement in effect for drivers younger than 18. [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.


Ridgeway Automotive Laws

  • Minimum Driving Age in Ridgeway [9]
    • Ridgeway, VA minimum driving age: 15 years, 6 months.
  • Driver's License Renewal Cycle in Ridgeway
    • Renewal cycle: 8 years [7]
  • Motorcycle Helmet Laws in Ridgeway
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in Ridgeway
    • Safety belt laws have been in place since 1988 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for 7 years and younger unless they have a physician exemption19. [7]

Virginia Car & Driver Facts

Virginia Auto Registrations

Virginia Car & Driver Facts
  • Auto Registrations in VA [8]
    • Registered Cars: 3,827,026
    • Registered Trucks: 2,954,336
    • Registered Motorcycles: 195,829
    • Total Registrations: 6,998,385
    • Rank: Virginia ranked 11th in the United States in total auto registrations in 2011.

Virginia Automotive Facts

  • Speed Limits in VA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 70 mph [7]
    • Other roads: 55 mph [7]
  • Virginia Motor Fuel Consumption
    • Virginia cities collectively ranked 12th in the nation in total motor fuel consumption in 2011. [10]

Virginia Licensed Drivers

  • Licensed Drivers in VA [11]
    • Female Drivers: 2,820,210
    • Male Drivers: 2,646,835
    • Total Drivers: 5,467,045
    • Rank: 13th highest in the U.S.

Additional information about Ridgeway, VA

About Ridgeway

Ridgeway (Virginia) is a town with a population of 742 [12] that is located in Henry County.

VA Car Insurance

More about Ridgeway auto insurance

For more information about Ridgeway car insurance, or for additional resources regarding Virginia car insurance overall, visit the Virginia 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)

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