Liberty Car Insurance Resources

Liberty, NY Car Insurance

Cars Insured in Liberty

^ There are an estimated 2,121 vehicles currently insured in Liberty. ^[1]

Car Insurance Rates in Liberty

^ From 2006 to 2010, New York cities had the 4th highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Liberty

^ There are an estimated 137 uninsured motorists driving in Liberty. ^[3]

Liberty Car Insurance

Car Insurance Liability Requirements in Liberty

Minimum Liability Limits in Liberty: 25/50/10 ^[4]
- 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.
- Note: In addition, policyholders must have $50,000/$100,000 for wrongful death coverage.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Liberty

Liberty Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Personal injury protection coverage

Car Insurance Verification Laws in Liberty

Insurer Verification of Auto Insurance in Liberty ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- 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.

Liberty Car Insurance Facts, Estimates & Related Laws

Liberty Car Insurance Stats

Number of Auto Insurance Policies in Liberty
- Based on historical and current data, 2,121 cars are currently insured in Liberty. ^[5]
- New York cities collectively ranked 4th in the nation in auto insurance policies in 2011 with a total of 9,358,429. ^[1]
Uninsured Motorist Rate in Liberty
- Based on historical and current data, Liberty has an estimated 137 uninsured drivers. ^[6]
- New York cities collectively had the 49th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Liberty
- New York cities collectively had the 4th highest auto insurance rates in the nation in 2010. ^[2]

Liberty Distracted Driving Laws

Hand-held phone ban? Yes

hand-held phone ban in place for all drivers. ^[7]

Texting-while-driving ban? Yes

Texting-while-driving ban in place for all drivers. ^[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.

Liberty Automotive Laws

Minimum Driving Age in Liberty ^[9]
- Liberty, NY minimum driving age: 16 years.
Driver's License Renewal Cycle in Liberty
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Liberty
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Liberty
- Safety belt laws have been in place since 1984 and apply to drivers/passengers 16+ years in front seat. ^[7]
- Child restraint law in place for 3 and younger unless more than 40 pounds and are seated where there is no available lap/shoulder belt; 4 - 7 years unless they are seated where there is no available lap/shoulder belt. ^[7]

New York Car & Driver Facts

New York Auto Registrations

Auto Registrations in NY ^[8]
- Registered Cars: 5,866,664
- Registered Trucks: 4,169,695
- Registered Motorcycles: 345,855
- Total Registrations: 10,430,559
- Rank: New York ranked 5th in the United States in total auto registrations in 2011.

New York Automotive Facts

Speed Limits in NY
- Rural interstates: 65 mph ^[7]
- Urban interstates: 65 mph ^[7]
- Other roads: 55 mph ^[7]
New York Motor Fuel Consumption
- New York cities collectively ranked 4th in the nation in total motor fuel consumption in 2011. ^[10]

New York Licensed Drivers

Licensed Drivers in NY ^[11]
- Female Drivers: 5,438,554
- Male Drivers: 5,772,229
- Total Drivers: 11,210,783
- Rank: 4th highest in the U.S.

Additional information about Liberty, NY

About Liberty

Liberty (New York) is a village with a population of 4,392 ^[12] that is located in Sullivan County.

More about Liberty auto insurance

For more information about Liberty car insurance, or for additional resources regarding New York car insurance overall, visit the New York Department of Insurance.

Did you know?

Only three states (Illinois, Iowa, and New Hampshire) currently have no motorcycle helmet law at all.

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)