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We say “car insurance,” you say… If the words aren’t safe for little ones’ ears that’s what we’re here to fix. We’ve broken down Iowa’s state minimums, auto insurance laws, and more to make it easier for you to understand and find in one place. Prefer talking with a real person? Licensed experts are ready to help. Call [mapi-phone /].

What are the car insurance requirements in Iowa?

Driving without insurance is dangerous, it’s also illegal. Iowa law requires that at minimum, you have the following coverage limits on your policy:

  • $15,000 in property damage liability
  • $20,000 in liability insurance for injury or death of one person
  • $40,000 in liability insurance for bodily injury or death of two or more

Bodily injury liability coverage pays for injuries sustained by other parties in an accident you cause, and property damage liability covers damage to the other party’s vehicle or other property in the accident. This minimum coverage not only protects other Iowa drivers, but also helps you avoid any unnecessary financial headaches you may find yourself in after an accident.

What kind of additional protection coverage is available?

Liability car insurance does not offer you a lot of protection. For a little extra cost, you can usually get a lot more coverage. Depending on whether you have teen drivers, a new car, or drive on dangerous roads, you should consider popular optional coverage add-ons for additional peace of mind:

Medical payments coverage– If anyone is hurt in an accident—including you, passengers, or another party this type of coverage can help pay for medical bills. In the worst case scenario that someone is killed, it can help pay for funeral expenses too.

Collision coverage– If your car knocks into something, you’ll be covered.

Comprehensive coverage– Comprehensive insurance does everything that collision coverage does and then some. If your car is vandalized, hits and animal, or is damaged from practically any other incident, you’ll be protected.

Rental reimbursement coverage– Need a loaner vehicle? If you have this type of coverage your insurance company will pay for a rental car so you can continue your daily routine.

Towing and labor coverage– Roadside assistance and towing are covered by this type of coverage. You never know what will happen on the road, so for a little bit extra, this provides a lot of coverage.

Uninsured/underinsured motorist coverage- This type of coverage protects you if you are involved in an accident with a driver who is not insured or whose liability limits are too low to pay for all of your damages.

GAP insurance- GAP coverage will pay for the difference between what you still owe on your car loan and what the vehicle is worth after it is totaled.

What do drivers spend on car insurance in Iowa?

According to our research, Iowa is the 6th most affordable state to purchase auto insurance coverage in–with average rates roughly $1,118 a year. While the rate for your auto insurance policy will vary based on a number of factors, on average, the most affordable rates are offered through the following companies:

 Average Annual Rates
IMT Insurance$575
Farmers$741
Nationwide$767
Allied$785
Pekin Insurance$928
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Comparison shopping can help you save. We recommend requesting quotes from at least three different providers so you ensure you’re getting the best rates. Don’t forget to check back in every year too because auto insurance rates are often on the move as much as your car.

Why Your Insurance Premium Is Unique

How your premiums are determined can be complicated. Companies use a number of factors to help decide your risk factor, but the different factors are not always weighted the same way. For example, one insurance company may think if you have a PhD, you are a low risk driver, while another may not even use your education level to calculate premiums. Here are some factors that may cause your premium to go up or down, including:

  • Driving record
  • Claims history
  • Age, gender, marital status
  • Make, model, year of vehicle
  • Prior coverage
  • Credit history

If you have a clean driving record, a good credit history, and a vehicle with safety features, you should have no trouble finding cheap car insurance.

Save With Auto Insurance Discounts

The best way to ensure you get the cheapest car insurance rates is to shop around and compare different insurance companies. Getting a quote from three auto insurance providers is ideal, as is asking about discounts you may qualify for. If you have a bad driving record or poor credit score, discounts can help offset your high rates. Many insurance companies offer discounts for:

  • Insuring multiple cars
  • Paying premium in full
  • Owning a home
  • Switching providers
  • Accident-free record
  • Good grades
  • Paperless billing
  • Usage-based insurance

Usage-based insurance, also called telematics programs, offer you a discount for installing a mobile app on your phone that monitors your driving habits. The safer you drive, the higher your discount will be.

In addition to insurance discounts, make sure to ask if your potential insurance carrier offers accident forgiveness.

Don’t overpay for car insurance in Iowa. Call an agent at [mapi-phone /] to get quotes from companies that offer the best coverage for you.

How can you avoid violations and penalties?

Driving without a license will increase your insurance rates. Hopefully, it’s not too late and you are just taking precautions in understanding the violations and penalties tied to it. If not, what we can do is show you how to get out of the pickle you’re in. If you drive without a license and are caught, you’ll need to:

  • Have your insurance company file an SR-22 form with the DOT Office of Driver Services
  • Provide proof of insurance for the state minimums or file a surety bond, securities, or cash order for $55,000 to prove you can cover the cost if you cause an accident.

Did You Know?

Thieves are the worst, but they seem to have good taste in Iowa. Here are the cars that are stolen most often in the state. If you drive one, that fact could cause your premium to go up*:

  1. Chevrolet Pickup (full size)
  2. Ford Pickup (full size)
  3. Dodge Pickup (full size)
  4. Honda Accord
  5. Ford Taurus
  6. Chevrolet Impala
  7. Chevrolet Pickup (small size)
  8. Jeep Cherokee/Grand Cherokee
  9. Honda Civic
  10. GMC Pickup (full size)

*According to www.nicb.org

Ready to consult an expert insurance agent?

You don’t have to be an expert when it comes to auto insurance. We have professionals who know all there is to know about car insurance in Iowa and are connected to the companies that provide the best coverage. If you want to talk to an agent, call [mapi-phone /].

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