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Saint Charles Car Insurance Resources

Saint Charles, MI Car Insurance

Cars Insured in Saint Charles

^ There are an estimated 1,281 vehicles currently insured in Saint Charles. [1]

Car Insurance Rates in Saint Charles

^ From 2006 to 2010, Michigan cities had the 12th highest auto insurance rates in the nation. [2]

Uninsured Motorists in Saint Charles

^ There are an estimated 286 uninsured motorists driving in Saint Charles. [3]

MI Car Insurance

Saint Charles Car Insurance

Car Insurance Liability Requirements in Saint Charles

  • Minimum Liability Limits in Saint Charles: 20/40/10 [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
    • 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 Saint Charles

Required Car Insurance Coverage in Saint Charles
  • Saint Charles Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage
    • Personal injury protection coverage

Car Insurance Verification Laws in Saint Charles

  • Insurer Verification of Auto Insurance in Saint Charles [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

Saint Charles Car Insurance Facts, Estimates & Related Laws

Saint Charles Car Insurance Stats

Saint Charles Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in Saint Charles
    • Based on historical and current data, 1,281 cars are currently insured in Saint Charles. [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 Saint Charles
    • Based on historical and current data, Saint Charles has an estimated 286 uninsured drivers. [6]
    • Michigan cities collectively had the 7th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in Saint Charles
    • Michigan cities collectively had the 10th highest auto insurance rates in the nation in 2010. [2]

Saint Charles 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.


Saint Charles Automotive Laws

  • Minimum Driving Age in Saint Charles [9]
    • Saint Charles, MI minimum driving age: 14 years, 9 months.
  • Driver's License Renewal Cycle in Saint Charles
    • Renewal cycle: 4 years [7]
  • Motorcycle Helmet Laws in Saint Charles
    • 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 Saint Charles
    • 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

Michigan Car & Driver Facts
  • 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 Saint Charles, MI

About Saint Charles

Saint Charles (Michigan) is a village with a population of 2,054 [12] that is located in Saginaw County.

MI Car Insurance

More about Saint Charles auto insurance

For more information about Saint Charles car insurance, or for additional resources regarding Michigan car insurance overall, visit the Michigan Department of Insurance.

Did you know?

As of July 2013, 26 U.S. states had laws that allow drivers to show proof of insurance electronically on smartphones.

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)

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