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Car Insurance Liability Requirements in Ottawa
- Minimum Liability Limits in Ottawa: 20/40/15 [4]
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- 20 Required coverage up to $20,000 for one individual injured in an accident
- 40 Required coverage up to $40,000 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 Ottawa
- Ottawa Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
Car Insurance Verification Laws in Ottawa
- Insurer Verification of Auto Insurance in Ottawa [4]
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- 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.
Ottawa Car Insurance Facts, Estimates & Related Laws
Ottawa Car Insurance Stats
- Number of Auto Insurance Policies in Ottawa
-
- Based on historical and current data, 11,618 cars are currently insured in Ottawa. [5]
- Illinois cities collectively ranked 7th in the nation in auto insurance policies in 2011 with a total of 7,942,599. [1]
- Uninsured Motorist Rate in Ottawa
-
- Based on historical and current data, Ottawa has an estimated 1,825 uninsured drivers. [6]
- Illinois cities collectively had the 20th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Ottawa
-
- Illinois cities collectively had the 24th highest auto insurance rates in the nation in 2010. [2]
Ottawa Distracted Driving Laws
- Hand-held phone ban? Yes
- hand-held phone ban in place for drivers in construction and school speed zones or within 500 feet of an emergency scene (exemption applies for drivers reporting an emergency situation or communicating with emergency personnel during an emergency situation). [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 19 and learner's permit holders younger than 19. [7]
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers. [7]
- 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.
Ottawa Automotive Laws
- Minimum Driving Age in Ottawa [9]
-
- Ottawa, IL minimum driving age: 15 years.
- Driver's License Renewal Cycle in Ottawa
-
- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Ottawa
-
- Safety Belt Laws in Ottawa
-
- Safety belt laws have been in place since 1988 and apply to drivers/passengers 16+ years in all seats. [7]
- Child restraint law in place for 7 years and younger. [7]
Illinois Car & Driver Facts
Illinois Auto Registrations
- Auto Registrations in IL [8]
-
- Registered Cars: 5,563,757
- Registered Trucks: 4,497,731
- Registered Motorcycles: 350,292
- Total Registrations: 10,445,208
- Rank: Illinois ranked 4th in the United States in total auto registrations in 2011.
Illinois Automotive Facts
- Speed Limits in IL
-
- Rural interstates: 65 mph [7]
- Urban interstates: 55 mph [7]
- Other roads: 55 mph [7]
- Illinois Motor Fuel Consumption
-
- Illinois cities collectively ranked 7th in the nation in total motor fuel consumption in 2011. [10]
Illinois Licensed Drivers
- Licensed Drivers in IL [11]
-
- Female Drivers: 4,251,141
- Male Drivers: 4,122,828
- Total Drivers: 8,373,969
- Rank: 6th highest in the U.S.
Additional information about Ottawa, IL
About Ottawa
Ottawa (Illinois) is a city with a population of 18,768 [12] that is located in LaSalle County.
Did you know?
Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.
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)
