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Car Insurance Liability Requirements in Oak Harbor
- Minimum Liability Limits in Oak Harbor: 12.5/25/7.5 [4]
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- 12.5 Required coverage up to $12,500 for one individual injured in an accident
- 25 Required coverage up to $25,000 for all persons injured in an accident
- 7.5 Required coverage up to $7,500 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 Oak Harbor
- Oak Harbor Auto Insurance Coverage Requirements [4]
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- Bodily injury liability coverage
- Property damage liability coverage
Car Insurance Verification Laws in Oak Harbor
- Insurer Verification of Auto Insurance in Oak Harbor [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.
Oak Harbor Car Insurance Facts, Estimates & Related Laws
Oak Harbor Car Insurance Stats
- Number of Auto Insurance Policies in Oak Harbor
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- Based on historical and current data, 1,937 cars are currently insured in Oak Harbor. [5]
- Ohio cities collectively ranked 6th in the nation in auto insurance policies in 2011 with a total of 8,100,690. [1]
- Uninsured Motorist Rate in Oak Harbor
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- Based on historical and current data, Oak Harbor has an estimated 300 uninsured drivers. [6]
- Ohio cities collectively had the 14th highest uninsured motorist rate in the nation in 2009. [3]
- Average Car Insurance Rates in Oak Harbor
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- Ohio cities collectively had the 43rd highest auto insurance rates in the nation in 2010. [2]
Oak Harbor 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 drivers younger than 185. [7]
- Bus driver cell phone ban? No
- Enforcement of laws:
- Primary enforcement in effect for drivers younger than 18. Secondary enforcement in effect for for texting. [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.
Oak Harbor Automotive Laws
- Minimum Driving Age in Oak Harbor [9]
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- Oak Harbor, OH minimum driving age: 15 years, 6 months.
- Driver's License Renewal Cycle in Oak Harbor
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- Renewal cycle: 4 years [7]
- Motorcycle Helmet Laws in Oak Harbor
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- Motorcycle helmets required for 17 and younger. [7]
- Ohio\'s motorcycle helmet use law covers all operators during the first year of licensure and all passengers of operators who are covered by the law. [7]
- Safety Belt Laws in Oak Harbor
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- Safety belt laws have been in place since 1986 and apply to drivers/passengers 8 through 14 in all seats; 15+ years in front seat. [7]
- Child restraint law in place for 3 years and younger or less than 40 pounds in child restraint; 4 - 7 years who weigh 40 pounds or more and who are shorter than 57 inches in booster seat. [7]
Ohio Auto Registrations
- Auto Registrations in OH [8]
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- Registered Cars: 5,412,188
- Registered Trucks: 4,386,240
- Registered Motorcycles: 390,522
- Total Registrations: 10,217,277
- Rank: Ohio ranked 7th in the United States in total auto registrations in 2011.
Ohio Automotive Facts
- Speed Limits in OH
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- Rural interstates: 70 mph [7]
- Urban interstates: 65 mph [7]
- Other roads: 55 mph [7]
- Ohio Motor Fuel Consumption
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- Ohio cities collectively ranked 6th in the nation in total motor fuel consumption in 2011. [10]
Ohio Licensed Drivers
- Licensed Drivers in OH [11]
-
- Female Drivers: 4,118,031
- Male Drivers: 3,864,118
- Total Drivers: 7,982,149
- Rank: 7th highest in the U.S.
Additional information about Oak Harbor, OH
About Oak Harbor
Oak Harbor (Ohio) is a village with a population of 2,759 [12] that is located in Ottawa County.
Did you know?
Under primary laws, an officer can ticket a driver for the offense (such as texting) without another traffic violation occurring.
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)
