Smithfield Car Insurance Resources

Smithfield, VA Car Insurance

Cars Insured in Smithfield

^ There are an estimated 6,201 vehicles currently insured in Smithfield. ^[1]

Car Insurance Rates in Smithfield

^ From 2006 to 2010, Virginia cities had the 32nd highest auto insurance rates in the nation. ^[2]

Uninsured Motorists in Smithfield

^ There are an estimated 597 uninsured motorists driving in Smithfield. ^[3]

Smithfield Car Insurance

Car Insurance Liability Requirements in Smithfield

Minimum Liability Limits in Smithfield: 25/50/20 ^[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
- 20 Required coverage up to $20,000 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.

Chart: Required coverage in the U.S.

Required Car Insurance Coverage in Smithfield

Smithfield Auto Insurance Coverage Requirements ^[4]
- Bodily injury liability coverage
- Property damage liability coverage
- Uninsured motorist coverage
- Underinsured motorist coverage
- Note: It is compulsory to buy physical damage insurance or pay an Uninsured Motorists Vehicle (UMV) fee to the state Department of Motor Vehicles.

Car Insurance Verification Laws in Smithfield

Insurer Verification of Auto Insurance in Smithfield ^[4]
- Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.
- Insurer must verify financial responsibility or insurance after an accident or arrest.
- 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.

Smithfield Car Insurance Facts, Estimates & Related Laws

Smithfield Car Insurance Stats

Number of Auto Insurance Policies in Smithfield
- Based on historical and current data, 6,201 cars are currently insured in Smithfield. ^[5]
- Virginia cities collectively ranked 11th in the nation in auto insurance policies in 2011 with a total of 6,133,687. ^[1]
Uninsured Motorist Rate in Smithfield
- Based on historical and current data, Smithfield has an estimated 597 uninsured drivers. ^[6]
- Virginia cities collectively had the 36th highest uninsured motorist rate in the nation in 2009. ^[3]
Average Car Insurance Rates in Smithfield
- Virginia cities collectively had the 34th highest auto insurance rates in the nation in 2010. ^[2]

Smithfield 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 18. ^[7]

Bus driver cell phone ban? Yes

Ban applies to school bus drivers. ^[7]

Enforcement of laws:

Primary enforcement in effect for texting. Secondary enforcement in effect for drivers younger than 18. ^[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.

Smithfield Automotive Laws

Minimum Driving Age in Smithfield ^[9]
- Smithfield, VA minimum driving age: 15 years, 6 months.
Driver's License Renewal Cycle in Smithfield
- Renewal cycle: 8 years ^[7]
Motorcycle Helmet Laws in Smithfield
- Motorcycle helmets required for all riders. ^[7]
Safety Belt Laws in Smithfield
- Safety belt laws have been in place since 1988 and apply to drivers/passengers 18+ years in front seat. ^[7]
- Child restraint law in place for 7 years and younger unless they have a physician exemption19. ^[7]

Virginia Car & Driver Facts

Virginia Auto Registrations

Auto Registrations in VA ^[8]
- Registered Cars: 3,827,026
- Registered Trucks: 2,954,336
- Registered Motorcycles: 195,829
- Total Registrations: 6,998,385
- Rank: Virginia ranked 11th in the United States in total auto registrations in 2011.

Virginia Automotive Facts

Speed Limits in VA
- Rural interstates: 70 mph ^[7]
- Urban interstates: 70 mph ^[7]
- Other roads: 55 mph ^[7]
Virginia Motor Fuel Consumption
- Virginia cities collectively ranked 12th in the nation in total motor fuel consumption in 2011. ^[10]

Virginia Licensed Drivers

Licensed Drivers in VA ^[11]
- Female Drivers: 2,820,210
- Male Drivers: 2,646,835
- Total Drivers: 5,467,045
- Rank: 13th highest in the U.S.

Additional information about Smithfield, VA

About Smithfield

Smithfield (Virginia) is a town with a population of 8,089 ^[12] that is located in Isle of Wight County.

More about Smithfield auto insurance

For more information about Smithfield car insurance, or for additional resources regarding Virginia car insurance overall, visit the Virginia 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)