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Iowa Auto Insurance
Iowa is a “tort” state with regard to car insurance laws, which means in the case of an accident, fault will be decided and the at-fault driver will be held liable for the damages. For this reason, Iowa requires drivers to carry at least a minimum amount of liability insurance for medical and property expenses arising from an at-fault accident.
Insurance is mandatory in Iowa and you must show proof of Iowa auto insurance to peace officers and other sanctioned officers of the state when requested.
Iowa Auto Insurance Coverage
The required minimums for Iowa liability insurance are 20/40/15, or $20,000 for a single person, $40,000 for all persons, and $15,000 for property damages caused in an at-fault accident. Iowa insurance providers will additionally offer collision coverage, comprehensive coverage, and uninsured motorist protection coverage in addition to liability insurance. It is advisable to purchase additional coverage to safeguard yourself against uninsured motorists and the unforeseen accident which can cause expensive hospital bills.
Iowa Auto Insurance Rates
Auto insurance in Iowa is cheap - very cheap. In fact, the State ranked the lowest in the nation for auto insurance expenditures in 1999, and only went up to 49th overall in 2003. On average, Iowa residents paid $580.15 for their auto insurance during 2003. The total paid by type of insurance was on average $301.04 for liability, $209.55 for collision, and $168.68 for comprehensive coverage in 2003.
Iowa auto insurance premium rates are determined by a number of factors, including age, car type, driving record, location, and marital status. The insurance company takes this information and figures in the average cost to insure all drivers in the state in order to derive individual costs. This means that not everyone spends the same amount on their car insurance. Those who have better driving records pay less than those with a accidents or tickets.
Iowa Auto Insurance Companies
Most of the major national auto insurance carriers operate in Iowa. The level of service and price can vary widely from company to company, so you should compare several carriers to make sure you're getting a combination of quality and price that fits your individual needs.
Additional Information and Resources for Iowa
Iowa Department of Insurance
330 Maple St.
Des Moines, IA 50319-0065
Phone: (877) 955-1212
For other Iowa Insurance Resources, See:
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