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Car Insurance Liability Requirements in Gem Lake
- Minimum Liability Limits in Gem Lake: 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 Gem Lake
- Gem Lake 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 Gem Lake
- Insurer Verification of Auto Insurance in Gem Lake [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.
Gem Lake Car Insurance Facts, Estimates & Related Laws
Gem Lake Car Insurance Stats
- Number of Auto Insurance Policies in Gem Lake
-
- Based on historical and current data, 284 cars are currently insured in Gem Lake. [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 Gem Lake
-
- Based on historical and current data, Gem Lake has an estimated 32 uninsured drivers. [6]
- Minnesota cities collectively had the 26th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Gem Lake
-
- Minnesota cities collectively had the 32nd highest auto insurance rates in the nation in 2010. [2]
Gem Lake 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.
Gem Lake Automotive Laws
- Minimum Driving Age in Gem Lake [9]
-
- Gem Lake, MN minimum driving age: 15 years.
- Driver's License Renewal Cycle in Gem Lake
-
- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Gem Lake
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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 Gem Lake
-
- 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 Gem Lake, MN
About Gem Lake
Gem Lake (Minnesota) is a city with a population of 393 [12] that is located in Ramsey County.
Did you know?
Motorcyclists are currently required by law to wear a helmet are in place in 19 states and the District of Columbia.
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)
