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Iowa Car Insurance (IA)

Iowa Car Insurance If you are looking for cheap auto insurance in Iowa, you can start with what you can do right at the comfort of your own home. There are free auto insurance quotes that you can obtain from the sites of each company that caters to potential clients online. All you need to do is fill our out a form which would basically assess the kind of driver that you are as well as your financial capacity to pay the premiums depending on the type of coverage that you prefer.

There are great deals that you can find online so there is really no need to spend too much money on car insurance payments as long as you know exactly where you have to look. Make sure that you are following the minimum requirements set by law for auto insurance in Iowa. Your coverage has to be sufficient to cover a certain amount that needs to be paid in case there is an accident of which you were the cause. Protect yourself as well as your livelihood by making sure that you comply with the minimum insurance coverage requirements which are not as high as compared to other States where there are more stringent laws and steeper fines.

The owner or operator of a vehicle must have minimum liability coverage:
- $20,000 per person for Bodily Injury;
- $40,000 per accident for Bodily Injury;
- $15,000 per accident for Property Damage;

Insurance required:
- Bodily injury liability;
- Property damage liability;

Proof of insurance required:
- At registration (NO)
- At time of accident (YES)
- At all times in vehicle (YES)

(I.I.I.) recommends you carry $100,000 of bodily injury protection per person and $300,000 per accident.

Iowa Car Insurance Requirements, Laws and Coverage

Car owners have to necessarily possess auto insurance. In Iowa, it is mandatory to have auto insurance. Paying for the insurance coverage may cost you heavily, but they are for the auto owner’s as well as the vehicle’s safety.

Minimum Requirements: In Iowa, there are minimum insurance requirements for motorists. These minimum requirements come under the category of liability insurance, which means that they are helpful for the protection of other motorists in case of accidents. Every motorist has to pay a minimum of $20,000 in case of bodily injury coverage for an individual up to $40,000 for all the individuals involved in the accident.

If you are a motorist in Iowa, then you need to have coverage of $15,000 for the purpose of property damage. If you are involved in an accident, then the authorities may remove settlement funds from your insurance. In addition, you may have to pay the outstanding balance.

Teenage Drivers: In Iowa, teen drivers have similar minimum requirements in liability insurance. If you are a teenage driver, then it is essential to remember that you may have to shell more money compared to experienced drivers having good records. However, you may find some insurance companies providing discounts for teenagers in Iowa.

Penalties: If you are involved in an accident in Iowa and you do not have insurance, then you will be responsible for all the damages incurred due to the accident to the other motorist as well yourself. If any party claims for the payment due to the damages or injuries, then you need to give a written statement regarding the payment of money. However, if you fail to make the payment, then you may end up losing your license for one year. If you do not possess auto insurance, then it may certainly lead to the suspension of your license until you do not submit the proofs of possessing auto insurance.

Optional Coverage: There are certain insurance coverage programs, which are not compulsory under the law, but can be greatly helpful for you in case of an accident. The need for this coverage is because of the fact that minimum insurance coverage under the law may not cover the entire loss in the damages. Thus, you may have to pay for the same. You need to go for uninsured coverage or some additional coverage provided by your insurance company for complete coverage.

Enter Your Zip Code to Find Insurance Quotes in Iowa:

Iowa Department of Insurance

  • 330 Maple St.
  • Des Moines, IA 50319
  • Phone: (515) 281-5705
  • Fax: (515) 281-3059

Iowa Department of Transportation

  • 800 Lincoln Way
  • Ames, IA 50010
  • Phone: (515) 239-1101
  • Fax: (515) 239-1639

Iowa Motor Vehicle Division

  • 6310 SE Convenience Blvd.
  • Ankeny, IA 50021
  • Phone: (800) 532-1121
  • Fax: (515) 237-3152
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