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Car Insurance Liability Requirements in Elk River
- Minimum Liability Limits in Elk River: 30/60/10 [4]
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- 30 Required coverage up to $30,000 for one individual injured in an accident
- 60 Required coverage up to $60,000 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 Elk River
- Elk River 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 Elk River
- Insurer Verification of Auto Insurance in Elk River [4]
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- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify randomly selected insurance policies upon request.
Elk River Car Insurance Facts, Estimates & Related Laws
Elk River Car Insurance Stats
- Number of Auto Insurance Policies in Elk River
-
- Based on historical and current data, 16,623 cars are currently insured in Elk River. [5]
- Minnesota cities collectively ranked 21st in the nation in auto insurance policies in 2011 with a total of 3,837,593. [1]
- Uninsured Motorist Rate in Elk River
-
- Based on historical and current data, Elk River has an estimated 1,862 uninsured drivers. [6]
- Minnesota cities collectively had the 26th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Elk River
-
- Minnesota cities collectively had the 32nd highest auto insurance rates in the nation in 2010. [2]
Elk River 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 holders and provisional license holders during the first 12 months after licensing. [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.
Elk River Automotive Laws
- Minimum Driving Age in Elk River [9]
-
- Elk River, MN minimum driving age: 15 years.
- Driver's License Renewal Cycle in Elk River
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- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Elk River
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- Motorcycle helmets required for 17 and younger. [7]
- Motorcycle helmet laws in Minnesota cover operators with instructional/learner\'s permits. [7]
- Safety Belt Laws in Elk River
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 7 and younger and more than 57 inches in all seats; 8+ in all seats. [7]
- Child restraint law in place for 7 years and younger and less than 57 inches. [7]
Minnesota Car & Driver Facts
Minnesota Auto Registrations
- Auto Registrations in MN [8]
-
- Registered Cars: 2,248,879
- Registered Trucks: 2,402,947
- Registered Motorcycles: 240,289
- Total Registrations: 4,909,634
- Rank: Minnesota ranked 20th in the United States in total auto registrations in 2011.
Minnesota Automotive Facts
- Speed Limits in MN
-
- Rural interstates: 70 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Minnesota Motor Fuel Consumption
-
- Minnesota cities collectively ranked 23rd in the nation in total motor fuel consumption in 2011. [10]
Minnesota Licensed Drivers
- Licensed Drivers in MN [11]
-
- Female Drivers: 1,642,549
- Male Drivers: 1,663,590
- Total Drivers: 3,306,139
- Rank: 24th highest in the U.S.
Additional information about Elk River, MN
About Elk River
Elk River (Minnesota) is a city with a population of 22,974 [12] that is located in Sherburne County.
Did you know?
Penalties for driving without required insurance coverage vary widely by location. Fines can reach into the thousands of dollars.
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)
