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Car Insurance Liability Requirements in Bay City
- Minimum Liability Limits in Bay City: 20/40/10 [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
- 10 Required coverage up to $10,000 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 Bay City
- Bay City Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Personal injury protection coverage
Car Insurance Verification Laws in Bay City
- Insurer Verification of Auto Insurance in Bay City [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
Bay City Car Insurance Facts, Estimates & Related Laws
Bay City Car Insurance Stats
- Number of Auto Insurance Policies in Bay City
-
- Based on historical and current data, 21,793 cars are currently insured in Bay City. [5]
- Michigan cities collectively ranked 10th in the nation in auto insurance policies in 2011 with a total of 6,165,963. [1]
- Uninsured Motorist Rate in Bay City
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- Based on historical and current data, Bay City has an estimated 4,865 uninsured drivers. [6]
- Michigan cities collectively had the 7th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Bay City
-
- Michigan cities collectively had the 10th highest auto insurance rates in the nation in 2010. [2]
Bay City 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 learner's permit and intermediate license holders (level 1 and 2); integrated voice-operated systems excepted. [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.
Bay City Automotive Laws
- Minimum Driving Age in Bay City [9]
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- Bay City, MI minimum driving age: 14 years, 9 months.
- Driver's License Renewal Cycle in Bay City
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- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Bay City
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- Motorcycle helmets required for 20 and younger. [7]
- All riders younger than 21 years are required to wear helmets, without exception. Those 21 and older may ride without helmets 1) if they carry additional insurance and have passed a motorcycle safety course or 2) if they have had their motorcycle endorsement for at least two years. [7]
- Safety Belt Laws in Bay City
-
- Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in front seat. [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
Michigan Car & Driver Facts
Michigan Auto Registrations
- Auto Registrations in MI [8]
-
- Registered Cars: 4,742,808
- Registered Trucks: 4,111,481
- Registered Motorcycles: 308,349
- Total Registrations: 9,182,847
- Rank: Michigan ranked 8th in the United States in total auto registrations in 2011.
Michigan Automotive Facts
- Speed Limits in MI
-
- Rural interstates: 70 mph (Trucks: 60 mph) [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Michigan Motor Fuel Consumption
-
- Michigan cities collectively ranked 10th in the nation in total motor fuel consumption in 2011. [10]
Michigan Licensed Drivers
- Licensed Drivers in MI [11]
-
- Female Drivers: 3,613,751
- Male Drivers: 3,445,758
- Total Drivers: 7,059,509
- Rank: 8th highest in the U.S.
Additional information about Bay City, MI
About Bay City
Bay City (Michigan) is a city with a population of 34,932 [12] that is located in Bay County.
Did you know?
As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.
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)
