Car Insurance Liability Requirements in Harmony
- Minimum Liability Limits in Harmony: 30/60/25 
- 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
- 25 Required coverage up to $25,000 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 Harmony
- Harmony Auto Insurance Coverage Requirements 
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Note: Underinsured motorist coverage is mandatory in policies with uninsured motorist limits exceeding 30/60.
Car Insurance Verification Laws in Harmony
- Insurer Verification of Auto Insurance in Harmony 
- 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.
Harmony Car Insurance Facts, Estimates & Related Laws
Harmony Car Insurance Stats
- Number of Auto Insurance Policies in Harmony
- Based on historical and current data, 399 cars are currently insured in Harmony. 
- North Carolina cities collectively ranked 8th in the nation in auto insurance policies in 2011 with a total of 7,168,023. 
- Uninsured Motorist Rate in Harmony
- Based on historical and current data, Harmony has an estimated 49 uninsured drivers. 
- North Carolina cities collectively had the 23rd highest uninsured motorist rate in the nation in 2009. 
- Average Car Insurance Rates in Harmony
- North Carolina cities collectively had the 45th highest auto insurance rates in the nation in 2010. 
Harmony Distracted Driving Laws
- Hand-held phone ban? No
- Texting-while-driving ban? Yes
- Texting-while-driving ban in place for all drivers. 
- Young drivers cell phone ban? Yes
- Ban applies to drivers younger than 18. 
- Bus driver cell phone ban? Yes
- Ban applies to school bus drivers. 
- Enforcement of laws:
- Primary enforcement in effect. 
- 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.
Harmony Automotive Laws
- Minimum Driving Age in Harmony 
- Harmony, NC minimum driving age: 15 years.
- Driver's License Renewal Cycle in Harmony
- Renewal cycle: 8 years 
- Motorcycle Helmet Laws in Harmony
- Motorcycle helmets required for all riders. 
- Safety Belt Laws in Harmony
- Safety belt laws have been in place since 1985 and apply to drivers/passengers 16+ years in all seats. 
- Child restraint law in place for 7 years and younger and less than 80 pounds. 
North Carolina Car & Driver Facts
North Carolina Auto Registrations
- Auto Registrations in NC 
- Registered Cars: 3,264,444
- Registered Trucks: 2,743,261
- Registered Motorcycles: 223,305
- Total Registrations: 6,249,592
- Rank: North Carolina ranked 12th in the United States in total auto registrations in 2011.
North Carolina Automotive Facts
- Speed Limits in NC
- Rural interstates: 70 mph 
- Urban interstates: 70 mph 
- Other roads: 55 mph 
- North Carolina Motor Fuel Consumption
- North Carolina cities collectively ranked 9th in the nation in total motor fuel consumption in 2011. 
North Carolina Licensed Drivers
- Licensed Drivers in NC 
- Female Drivers: 3,382,446
- Male Drivers: 3,186,895
- Total Drivers: 6,569,341
- Rank: 10th highest in the U.S.
Additional information about Harmony, NC
Harmony (North Carolina) is a town with a population of 531  that is located in Iredell County.
Did you know?
Some motorcyclists are currently required by law to wear a helmet in 47 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)