- Booster seats for kids until the age of 7
- Restrictions on text messaging
- Helmets required of all motorcycle riders
- Making front and back seatbelts a primary offense so officers can pull people over and ticket for that offense only
- Numerous restrictions on teen drivers
- Installation of an interlock system on all first-time drunken drivers
- Rhode Island
- New Hampshire
- North Dakota
- South Dakota
Do more laws make insurance cheaper?While laws that prevent accidents and injuries undeniably make insurance cheaper for everyone, there is no direct correlation between states that scored well and more affordable car insurance rates.
In fact, the list of top-ranking states includes states that appear at both ends of the most- and least-affordable spectrum. Car insurance rates in Maine are routinely among the cheapest, with average rates a fraction of what the same driver might pay in, say, Louisiana or Rhode Island. But all are on the green list.The poor-scoring red states are mostly rural, and their rates tend to fall in between the two extremes. (Here's a map of car insurance rates by state and ZIP code.) In addition to ranking the states, the report offers hundreds of statistics as proof that the recommend laws would save lives.
Statistics drive the point homeAccording to the National Highway Traffic Safety Administration (NHTSA), an estimated 12,174 lives were saved in 2012 due to seat belt use. A study by the Insurance Institute for Highway Safety (IIHS) found that when states strengthened their seatbelt laws from secondary to primary, death rates dropped by roughly 7 percent. Statistics also highlight the importance of wearing a helmet when cruising on a motorcycle. The NHTSA estimated that 1,699 motorcyclists are still alive thanks to their helmets and an additional 781 lives could have been saved if all states required helmets. Despite the persuasive stats, only 19 states and D.C. have helmet laws that require helmets for all riders. In 2013 there were 19 attempts in 11 states to repeal existing laws. According to Jacqueline Gillan, president of AHAS , helmet laws are very difficult to get passed without strong support from a governor and legislative leaders. "Motorcycling groups like ABATE (an alliance of motorcycle rights groups) are very effective at activating their grassroots network in both opposing new laws and attempting to repeal existing laws," says Gillan.
Still have a lot of work to doIn 2013 only 10 laws in eight states were passed that met the criteria of the report. Hawaii and West Virginia both mandated primary enforcement of seat belt and Maryland, Utah, Texas and Hawaii all passed recommended laws pertaining to teen drivers.
There is still a long way to go. The report reveals that in order to bring all states up to full compliance, a total of 333 new laws would have to be passed.There are a number of things that concerned citizens and parents can do to get their red state on the path to green or at least yellow. "Contact your state elected officials, schedule personal meetings, show up at town hall meetings, and use social media to broaden support," recommends Gillan.