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Car Insurance Liability Requirements in Homestead
- Minimum Liability Limits in Homestead: 25/50/10 [4]
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- 25 Required coverage up to $25,000 for one individual injured in an accident
- 50 Required coverage up to $50,000 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 Homestead
- Homestead Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
Car Insurance Verification Laws in Homestead
- Insurer Verification of Auto Insurance in Homestead [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.
- 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.
Homestead Car Insurance Facts, Estimates & Related Laws
Homestead Car Insurance Stats
- Number of Auto Insurance Policies in Homestead
-
- Based on historical and current data, 131 cars are currently insured in Homestead. [5]
- Missouri cities collectively ranked 17th in the nation in auto insurance policies in 2011 with a total of 4,250,331. [1]
- Uninsured Motorist Rate in Homestead
-
- Based on historical and current data, Homestead has an estimated 18 uninsured drivers. [6]
- Missouri cities collectively had the 22nd highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Homestead
-
- Missouri cities collectively had the 33rd highest auto insurance rates in the nation in 2010. [2]
Homestead Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for drivers 21 and younger. [7]
- Young drivers cell phone ban? No
- Bus driver cell phone ban? No
- 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.
Homestead Automotive Laws
- Minimum Driving Age in Homestead [9]
-
- Homestead, MO minimum driving age: 15 years.
- Driver's License Renewal Cycle in Homestead
-
- Renewal cycle: 6 years [7]
- Motorcycle Helmet Laws in Homestead
-
- Motorcycle helmets required for all riders. [7]
- Safety Belt Laws in Homestead
-
- 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 3 years and younger or less than 10 pounds must be in a child restraint; 4 - 7 years between 40 and 80 pounds and 4-feet-9-inches or shorter in booster seat. [7]
Missouri Car & Driver Facts
Missouri Auto Registrations
- Auto Registrations in MO [8]
-
- Registered Cars: 2,440,765
- Registered Trucks: 2,572,195
- Registered Motorcycles: 140,947
- Total Registrations: 5,169,994
- Rank: Missouri ranked 18th in the United States in total auto registrations in 2011.
Missouri Automotive Facts
- Speed Limits in MO
-
- Rural interstates: 70 mph [7]
- Urban interstates: 60 mph [7]
- Other roads: 65 mph [7]
- Missouri Motor Fuel Consumption
-
- Missouri cities collectively ranked 14th in the nation in total motor fuel consumption in 2011. [10]
Missouri Licensed Drivers
- Licensed Drivers in MO [11]
-
- Female Drivers: 2,177,938
- Male Drivers: 2,099,099
- Total Drivers: 4,277,037
- Rank: 18th highest in the U.S.
Additional information about Homestead, MO
About Homestead
Homestead (Missouri) is a village with a population of 185 [12] that is located in Ray County.
Did you know?
As of August 2013, three states (Idaho, Kansas and Minnesota) permit electronic delivery (e-Delivery) of insurance documents.
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)
