Best Iowa Car Insurance Quotes – Auto Insurance in the Hawkeye State
The plains of Iowa are such an incredible place to live and to drive. We love taking care of our Iowa car insurance customers with some of the best rates in the industry. Whether you have no coverage auto insurance and are just getting started, or you’re looking into some better insurance rates, Insurance Geek can help you.
With densely populated cities such as Des Moines and Sioux City, you’ll encounter other drivers in Iowa on the road who aren’t always as safe, even if you’re at your best. Between texting and driving, eating behind the wheel, or all sorts of things that can keep drivers distracted, it’s best to make sure you have the right protection when you’re on the road by yourself or with your family.
Drivers in Iowa will find info on the most affordable auto insurance coverage in Iowa below.
Iowa Auto Insurance Minimum Required Coverage
Pretty much every state has some type of minimum insurance requirement, and Iowa law is no different. Though Iowa drivers may decide on just the minimum levels for coverage in Iowa, read more below to find out why it’s best to beef up on auto coverage if possible.
At Insurance Geek, we can help you find the best and cheapest car insurance policy by getting quotes from several different insurance companies, all of who are ready to help you find coverage.
Here’s what’s obligatory in Iowa:
BI (Bodily Injury Liability): $20,000, $40,000 max accident bodily liability coverage
If you or a driver in your car injure someone else in another vehicle or injure a person, BI will cover you up to $20,000 if you get the basic coverage in Iowa.
Property damage protection: $20,000 minimum coverage
Likewise, an accident where you or a driver of your car damage someone else’s property can cost you. Iowa state minimum requires a $20,000 property damage protection minimum for an insured person in this situation.
Uninsured or UIM: $20,000 minimum coverage
The state of Iowa also requires Iowa drivers to have $20,000 in uninsured or underinsured motorist protection. If someone without insurance hits you, this part of your coverage will help pay the bills.
How Much Will I Pay for Auto Insurance in Iowa?
National averages for auto policy in Iowa are around $599 per year, which is lower than the average rates in other states. However, drivers in Iowa should acknowledge that average rates only serve to give them a broad estimate of how much they’d pay for their auto policy.
In reality, auto insurance rates are determined by more factors and will vary from one person to another, depending on the insurer. Take a look at the determining factors for auto insurance rates:
Age
Young drivers will get higher average rates than other drivers in Iowa because they are more inexperienced when it comes to being on the road. This also applies to those Iowa drivers who have obtained their driving license more recently.
Driving Behavior
A clean driving record and exhibiting safe driving will earn good drivers lower average rates. On the contrary, “bad drivers” with a recent speeding ticket or an at-fault accident may pay more per year.
Financial Responsibility
Insurance companies also pay attention to your good credit or poor credit score to assess your financial responsibility. A poor credit score will also mean a higher rate, but you can always improve it to get cheap car insurance coverage in Iowa!
Your Vehicle
When it comes to insurance, everything counts – from the model and make of your car to its power and color.
Insurance Company
Car insurance companies in Iowa will offer different coverages, and not all are equally affordable. Insurance Geek can help you find the best insurance company for you by providing you with free quotes from multiple insurers.
Discounts
There’s plenty of possibilities to save on your car insurance. Good drivers will get a discount compared to “bad drivers” who have recent at-fault accidents.
That said, it’s always possible to get the cheapest rates if you compare multiple insurance companies, which we can help you with if you use our quote calculator.
What’s more, you can get bundle discounts. For example, if your immediate family member gets car insurance with the same insurance company, you can get a discount on multiple policies, or you can get bundle discounts for other insurance products, such as home or life insurance.
Get Cheapest Auto Insurance Iowa Quotes
Drivers who want to find cheap car insurance in Iowa can get free quotes from multiple insurance companies on this page.
To compare quotes, you only need to enter your basic info into our quote calculator. It only takes a couple of minutes until we contact the carriers and generate instant quotes for you.
Our carriers are top names in the industry, with Nationwide and Safeco being the most recommended.
We write insurance in Des Moines and other large cities in Iowa. Know that population density matters, and the more motorists you have the potential to run into, the higher your premiums may be.
Are Discounts Available?
Carriers love giving customers the biggest and best discounts possible to keep you loyal and using them year after year, and most drivers in Iowa can get one.
One of the carriers’ preferred methods of giving you a discount is to help you save by bundling. If you get several different types of insurance at once – or even a couple of different types – you could save on your premium month after month. You could opt for auto, life, health, motorcycle, boat – anything you can think to insure, if you’re able to do it through the same carrier, you’ll save.
Carriers also provide discounts for good drivers or if you’re a student, military or senior. You can also save by doing a defensive driving course, which will cut the cost of your monthly premium.
What Does Car Insurance in Iowa Include?
The basic policy in Iowa includes policy obligations and minimum coverages stated above.
However, there’s more to it, and you can always get more protection.
You may see these types of coverage on your policy as well:
Medical liability or PIP (Personal Injury Protection):
This type of protection covers injury in your own car. If you and/or your passengers are injured in an accident, PIP will cover you, even if it was an at-fault crash.
Collision coverage
Collision will protect you if you damage your own vehicle. This isn’t just applicable to damages when you hit another auto, but any damage – backing into a pole, a garage door, hitting a pothole too hard, etc. Collision is one of the most recommended additional coverages for full coverage and complete protection in case of any sort of accident.
Comprehensive coverage
Comprehensive is “everything else” insurance, just like the meaning of the word comprehensive suggests. If you dent your car or get a crack in your windshield, this type of coverage can help you get these things repaired. You can also use comprehensive as part of your full coverage to replace contents stolen from your vehicle.
Bodily injury liability coverage
Bodily injury full coverage steps in for an at-fault crash in which another driver of their passengers have been insured. That said, it’s recommended to get higher limits for bodily injury than the state limits.
Property damage liability coverage
Property damage is another one of the obligatory coverages, and it pays for the damage you caused to another driver’s vehicle in an at-fault accident. It’s recommended to get higher limits to ensure that you have enough for any needed repair or replacement, which can get quite costly.
Uninsured or underinsured motorist bodily injury
If another driver does not have insurance or doesn’t have enough bodily injury liability to cover your expenses in the event of an accident, this part of your policy will kick in.
How Much Iowa Auto Insurance Coverage Should I Get?
To get full coverage and make sure you are completely protected, you’ll need higher limits than the minimums.
We typically recommend the 100/300/100 balance for our customers – meaning, $100,000 in bodily injury liability, $100,000 in personal property protection, and $300,000 max per accident. This distribution will ensure you have more than enough coverage for serious accidents on the road. Though this is more than the state minimum coverage, you’ll find this type of coverage is still affordable and is well worth it in the event of a catastrophe.
After all, an auto accident can happen at any time. Wet and winter weather increase the likelihood of an accident, so it’s always good to be prepared no matter the situation.
FAQ: Iowa Car Insurance
Q: What car insurance companies have the most affordable car insurance in Iowa?
A: Car insurance companies that have the cheapest insurance rates and the best offer in Iowa are Nationwide and Safeco.
Q: How much is car insurance in Iowa?
A: You should expect an average cost of $599 per year for an auto insurance policy in Iowa. There’s more than the average cost to it, though – many different things determine premiums, including how old the driver is, the age of the car as well as the color, the make year, and model, whether or not the car has low mileage, safety features, etc. Perhaps one of the biggest determining factors is whether or not you’ve had recent accidents, tickets, or claims. All these things can cost you, so a clean driving record is your best bet if you want to save on your monthly premium costs. We can help you get the cheapest premium by comparing quotes on this page.
Calculate Iowa Auto Insurance Rates
If you’re a driver in the state of Iowa looking for the best insurance quotes, we can help! Insurance Geek wants to make the process as simple and easy as possible for you by giving you several different options for coverage. All you have to do is fill out one quote form, and we’ll use that form to get quotes from several different carriers, all of who will give you competitive quotes to get your business.
Keeping your family safe on the road is one of the most important things you can do for your family. The state minimums may not be enough for all your family’s needs – it’s better to work with an agent who has your best interests in mind so you can get the right policies for the right price.
Insurance Geek can’t wait to show you how it works! Simply fill out our one quote form – it’s the only form you’ll need to fill out online – and we’ll get back to you to give you the best rates we can find for your particular situation. It only takes a few minutes to calculate your premiums, and we’re excited to help!