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Iowa Auto Insurance

If you own a car in Iowa, consider yourself fortunate, because Iowa car insurance quotes are among the lowest in the US.  Nevertheless, since it’s your money, it’s still very important to search for cheap Iowa auto insurance, so here is some information you’ll need as you shop for the lowest automobile insurance rates in Iowa.

Minimum Iowa Auto Insurance Requirements

It’s very important to remember that in Iowa if you drive a motor vehicle, you must carry a financial liability coverage card as proof on insurance in the vehicle.  Insurance carriers are also required to file a copy of your insurance coverage with the Iowa Insurance Division.

The minimum requirements for car insurance in Iowa are consistent with those of most other states.  Specifically, if you own a motor vehicle in Iowa, you are required to carry:

  • Bodily Injury Liability Coverage:  $20,000/single person injured, $40,000/incident
  • Property Damage Liability Coverage:  $15,000

Recommended Coverage for Iowa Drivers

As a state, Iowa does not require you to carry comprehensive insurance or collision insurance coverage, but if you have a loan on the vehicle, or if your car is leased, your lender will most probably requires both types of coverage. 

Iowa also does not require coverage for accidents involving uninsured or underinsured drivers. However Iowa laws are based on the Tort system, which requires someone to be found at fault and thus be responsible for damages, this type of coverage is usually well worth the cost to protect you in case of an accident with an uninsured/underinsured driver.

Saving Money on Iowa Car Insurance

There are several things you can do to help reduce your auto insurance premiums, and keep them low.

Begin by maintaining a good driving record.  Insurance companies look very closely at your driving record because it is a good indicator whether you will be a safe driver (low risk/low premiums) or an unsafe driver likely to get into an accident (high risk/high premiums).

Compare quotes from multiple insurance companies.  When doing so, compare “apples to apples”.  Make sure that the amounts of each type of coverage and the deductibles involved are identical, as well as extra items, such as optional uninsured/underinsured motorist insurance or towing insurance.  This is actually easy to do; by entering your zip code in the box below you’ll instantly learn which top auto insurance companies offer coverage in your area, and you can choose several to consider and compare.

Choose your vehicle wisely.  Avoid cars which are on the top ten list of stolen vehicle models, and high performance vehicles, such as sports cars, which are expensive to repair and thus a higher risk for insurance companies.

Finally, keep your credit record clean as well, by paying your bills on time.  Statistics have shown that people with poor credit tend to be higher driving risks too, so avoid becoming part of that high risk group.  Keeping good credit will help you in many ways in addition to lowering your Iowa car insurance quotes.

For more ideas on how to save money on Iowa auto insurance, check out the information contained in our Insurance Shopping Tips.

More Information on Iowa Automobile Insurance

Additional information on auto insurance in Iowa is available through the Iowa Insurance Division, 330 Maple St, Des Moines, IA 50319, 877-955-1212, or visit the Iowa Insurance Division website.

Time to Save On Your Iowa Car Insurance

Comparison shopping is the best way to find the lowest rates on automobile insurance.  That’s why we’ve collected a list of insurance carriers offering auto insurance in Iowa.  To access this list, simply enter your zip code below, and you’ll be matched with the top car insurance companies in your area.  Choose the three or four which sound best to you, and request a quote through their websites.  Before you know it, you’ll have the auto insurance coverage you need at a great price.  So type in your zip code now, and start saving immediately!

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