Iowa Car Insurance

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Here's what you need to know...
  • The major national insurance companies all have offices in Iowa
  • Make sure to compare local companies with national companies
  • Consider additional coverage than the state-required minimum liability insurance

How do you find the best Iowa car insurance rates?

These days it can seem like every time you turn on the television or radio, there is an advertisement for a car insurance company claiming that they can offer you the lowest possible rates the most amount of coverage.

Of course, all of these claims can’t be true, but can you tell right away who’s not being truthful? The fact is that rates vary depending on location, age of the driver, type of car, and number of accidents or tickets.

If you’re shopping around for Iowa car insurance, it’s important to keep a couple of things in mind before you purchase a policy.

Read through the below for tips on finding the best Iowa auto insurance rates and then enter your zip code into the free tool for a free Iowa car insurance comparison!

Things to Look For in Iowa Insurance Companies

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  • Affordable policies that provide adequate coverage for you and any other drivers
  • A highly-ranked customer service department
  • Quick claims processing that is convenient for your lifestyle (online, over the phone, in person)
  • A history of providing adequate coverage in Iowa
  • Potential discounts for a safe driving record, good grades, home ownership, or online ordering

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Comparing Iowa Car Insurance Quotes

Although there can be many local options for insuring your vehicle in Iowa, it is always a good idea to start your search with the top national companies, including:

These companies are well-established and usually have conveniently located agents in all major cities and towns. Because they are large, it’s likely that they have the purchasing power to offer you the best deals, but this is not always so.

That’s why it’s important to get quotes from at least three national companies and one local company to see who can offer you the best deal.

Choosing Adequate Iowa Auto Insurance Coverage

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When shopping around for auto insurance quotes, it’s important that you make sure you’re getting a quote for the same level of coverage from every company. This means you need to be familiar with the minimum requirements for insurance in Iowa.

The state requires that all drivers have a liability policy with:

  • $20,000 in coverage for bodily injury suffered by a car carrying only a driver
  • $40,000 in coverage for the cost of treating bodily injuries sustained by all of the car’s passengers
  • $15,000 in coverage to pay for the property damage resulting from the accident, including repairs that must be made to other cars involved

If your Iowa car insurance budget has room for additional coverage, it’s always a good idea to purchase more than just the minimum insurance liability requirements.

This is because medical costs and car repairs are often far more than what a liability policy will cover, and you run the risk of getting saddled with expensive fees that you must pay out of pocket. Supplemental insurance includes:

  1. Collision or comprehensive insurance (which covers the cost of damages to your own vehicle)
  2. Uninsured motorist insurance (which covers the cost of damages caused by a driver with no liability coverage)
  3. Gap insurance (which covers the difference between Blue Book value and the balance of your loan, if the car is totaled before you own it)

Finding Free Iowa Car Insurance Rates

It’s easy to find and compare free Iowa auto insurance rates online — just enter your zip to start!

FREE Car Insurance Comparison

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