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Car Insurance in ZIP Code 01938

Car Insurance in ZIP Code 01938 (Ipswich, MA)

Cars Insured in 01938

^ An estimated 8,564 vehicles are currently insured in ZIP Code 01938. [1]

Car Insurance Rates in 01938

^ From 2006 to 2010, Massachusetts ZIP codes had the 11th highest car insurance rates in the country. [2]

Uninsured Motorists in 01938

^ An estimated 424 uninsured motorists are currently driving in ZIP Code 01938. [3]

Massachusetts Car Insurance

Car Insurance in 01938 (Ipswich, MA)

Car Insurance Liability Requirements in 01938

  • Minimum Liability Limits in 01938: 20/40/5 [4]
    • 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 01938

Required Car Insurance Coverage in 01938
  • 01938 Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Uninsured motorist coverage
    • Underinsured motorist coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in 01938

  • Insurer Verification of Auto Insurance in 01938 [4]
    • 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 01938

Car Insurance Stats for 01938

01938 Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in 01938
    • Based on historical and current data, 8,564 cars are currently insured in 01938. [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 01938
    • Based on historical and current data, ZIP Code 01938 has an estimated 424 uninsured drivers. [6]
    • Massachusetts cities collectively had the 50th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in 01938
    • All Massachusetts ZIP Codes collectively had the 12th highest auto insurance rates in the nation in 2010. [2]

01938 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 01938

  • Minimum Driving Age in 01938 [9]
    • 01938 minimum driving age: 16 years.
  • Driver's License Renewal Cycle in 01938
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in 01938
    • Motorcycle helmets required for all riders. [7]
  • Safety Belt Laws in 01938
    • 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 01938) Auto Registrations

Massachusetts Car & Driver Facts
  • Auto Registrations in MA [8]
    • 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 01938) Automotive Facts

  • Speed Limits in MA
    • Rural interstates: 65 mph [7]
    • Urban interstates: 65 mph [7]
    • Other roads: 55 mph [7]
  • Massachusetts (including 01938) Motor Fuel Consumption
    • Massachusetts cities collectively ranked 21st in the nation in total motor fuel consumption in 2011. [10]

Massachusetts Licensed Drivers

  • Licensed Drivers in MA [11]
    • 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 01938

The region that is made up by ZIP Code 01938 has a population of approximately 13,175 and is located in Essex County in Massachusetts (Ipswich, MA). [4]

MA Car Insurance

Car Insurance in 01938

For more information about 01938 Car Insurance, or for additional resources regarding car insurance overall, visit the Massachusetts Department of Insurance.

Did you know?

Driving while text messaging is currently banned for all drivers in 41 states and the District of Columbia.

Car Insurance Resources for Other ZIP Codes in Massachusetts


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Cities in Massachusetts

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)