Spirit Lake Car Insurance
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Car Insurance Liability Requirements in Spirit Lake
- Minimum Liability Limits in Spirit Lake: 25/50/15 [4]
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- 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
- 15 Required coverage up to $15,000 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 Spirit Lake
- Spirit Lake Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Spirit Lake
- Insurer Verification of Auto Insurance in Spirit Lake [4]
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Spirit Lake Car Insurance Facts, Estimates & Related Laws
Spirit Lake Car Insurance Stats
- Number of Auto Insurance Policies in Spirit Lake
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- Based on historical and current data, 1,323 cars are currently insured in Spirit Lake. [5]
- Idaho cities collectively ranked 39th in the nation in auto insurance policies in 2011 with a total of 1,066,623. [1]
- Uninsured Motorist Rate in Spirit Lake
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- Based on historical and current data, Spirit Lake has an estimated 106 uninsured drivers. [6]
- Idaho cities collectively had the 45th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Spirit Lake
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- Idaho cities collectively had the 48th highest auto insurance rates in the nation in 2010. [2]
Spirit Lake 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? No
- 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.
Spirit Lake Automotive Laws
- Minimum Driving Age in Spirit Lake [9]
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- Spirit Lake, ID minimum driving age: 14 years, 6 months.
- Driver's License Renewal Cycle in Spirit Lake
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- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Spirit Lake
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- Motorcycle helmets required for 17 and younger. [7]
- Safety Belt Laws in Spirit Lake
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 7+ years in all seats. [7]
- Child restraint law in place for 6 years and younger. [7]
Idaho Auto Registrations
- Auto Registrations in ID [8]
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- Registered Cars: 610,646
- Registered Trucks: 947,382
- Registered Motorcycles: 62,623
- Total Registrations: 1,625,204
- Rank: Idaho ranked 38th in the United States in total auto registrations in 2011.
Idaho Automotive Facts
- Speed Limits in ID
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- Rural interstates: 75 mph (Trucks: 65 mph) [7]
- Urban interstates: 75 mph [7]
- Other roads: 65 mph [7]
- Idaho Motor Fuel Consumption
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- Idaho cities collectively ranked 39th in the nation in total motor fuel consumption in 2011. [10]
Idaho Licensed Drivers
- Licensed Drivers in ID [11]
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- Female Drivers: 539,887
- Male Drivers: 544,105
- Total Drivers: 1,083,992
- Rank: 39th highest in the U.S.
Additional information about Spirit Lake, ID
About Spirit Lake
Spirit Lake (Idaho) is a city with a population of 1,945 [12] that is located in Kootenai County.
Did you know?
Motorcyclists are currently required by law to wear a helmet are in place in 19 states and the District of Columbia.
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)
