Car Insurance in 01225 (Cheshire, MA)
Car Insurance Liability Requirements in 01225
- Minimum Liability Limits in 01225: 20/40/5 [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
- 5 Required coverage up to $5,000 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 01225
- 01225 Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Personal injury protection coverage
Car Insurance Verification Laws in 01225
- Insurer Verification of Auto Insurance in 01225 [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- 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.
Car Insurance Facts, Estimates & Related Laws for ZIP Code 01225
Car Insurance Stats for 01225
- Number of Auto Insurance Policies in 01225
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- Based on historical and current data, 2,026 cars are currently insured in 01225. [5]
- Massachusetts cities collectively ranked 16th in the nation in auto insurance policies in 2011 with a total of 4,256,127. [1]
- Uninsured Motorist Rate in 01225
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- Based on historical and current data, ZIP Code 01225 has an estimated 100 uninsured drivers. [6]
- Massachusetts cities collectively had the 50th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in 01225
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- All Massachusetts ZIP Codes collectively had the 12th highest auto insurance rates in the nation in 2010. [2]
01225 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 and passenger 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.
Automotive Laws in ZIP Code 01225
- Minimum Driving Age in 01225 [9]
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- 01225 minimum driving age: 16 years.
- Driver's License Renewal Cycle in 01225
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- Renewal cycle: 5 years [7]
- Motorcycle Helmet Laws in 01225
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- Motorcycle helmets required for all riders. [7]
- Safety Belt Laws in 01225
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- Safety belt laws have been in place since 1994 and apply to drivers/passengers 13+ years in all seats. [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
Massachusetts Car & Driver Facts
Massachusetts (including 01225) Auto Registrations
- Auto Registrations in MA [8]
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- Registered Cars: 3,180,009
- Registered Trucks: 2,344,721
- Registered Motorcycles: 159,007
- Total Registrations: 5,695,327
- Rank: Massachusetts ranked 15th in the United States in total auto registrations in 2011.
Massachusetts (including 01225) Automotive Facts
- Speed Limits in MA
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- Rural interstates: 65 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Massachusetts (including 01225) Motor Fuel Consumption
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- Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011. [10]
Massachusetts Licensed Drivers
- Licensed Drivers in MA [11]
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- Female Drivers: 2,369,052
- Male Drivers: 2,314,271
- Total Drivers: 4,683,323
- Rank: 15th highest in the U.S.
Additional information about Massachusetts
About 01225
The region that is made up by ZIP Code 01225 has a population of approximately 3,117 and is located in Berkshire County in Massachusetts (Cheshire, MA). [4]
Did you know?
Under secondary laws, a police officer must have some other reason to stop a vehicle before citing a driver for that offense.
Car Insurance Resources for Other ZIP Codes in Massachusetts
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)
