Iowa Auto Insurance
There are quite a few advantages to living in Iowa, as all Iowans know - close-knit communities, excellent schools, and a high quality of life that doesn't come with an exorbitant price tag. This is especially true when it comes in insuring your vehicle. Did you know that Iowa has some of the lowest auto insurance rates in the nation? Given that fact, there's no reason why you shouldn't protect yourself from the potential financial difficulties that tend to go hand-in-hand with auto accidents.
Auto insurance rates in Iowa can vary more than you might think from one insurance company to another. That’s where Auto Insurance Specialists can help!
Try our simple form for an AIS Instant Quote®. This quote will be a range of our auto insurance partners' rates for the coverage you select and you can pick the price you like, too.
Required Auto Insurance in Iowa
One of the ways that Iowa drastically differs from most other states is that there is no law which mandates the purchase of auto insurance by the state's drivers. All that is needed is for each driver to maintain financial responsibility and to show proof of that responsibility after an accident. Drivers can meet this requirement by depositing a cashier's check with the Iowa Office of Driver's Services or by reaching an agreement with anyone who is injured or sustains damage as the result of the driver's actions. However, the simplest way to demonstrate financial responsibility is to obtain an auto insurance policy.
To learn more about specific auto insurance coverage, visit our Car Insurance Coverage page.
Optional Coverage in Iowa to Consider
Just because you are free to drive without auto insurance doesn't mean that it's a good idea. If you get into in a collision, you may be held responsible for paying for the damage and injuries sustained by others who are involved. That can eat into your finances and cause you undue financial hardship - unless you have the proper insurance.
Below are some examples you may want to consider:
- Liability Coverage: This type of coverage will pay out any claims made by people who suffer injuries or property damage as a result of an accident that you cause. A liability policy also covers injuries to those who are inside your vehicle at the time of a collision.
- Collision Coverage: This policy provides a means for you to repair your vehicle in case it is damaged in a collision that is your fault. Since the average auto repair bill in the U.S. is around $3,000, it's quite possible that you could be left unable to pay a mechanic to restore your vehicle back to its original condition. Collision coverage protects you against this potential problem.
- Comprehensive Coverage: In Iowa, auto theft, hailstorms, flooding, and tornadoes are not uncommon. If your car falls victim to any of these mishaps, neither liability nor collision insurance will cover it. Comprehensive insurance will pay to fix the damage to your car - or compensate you for the value of your vehicle if it is totaled or stolen.
Again, there is no Iowa law that forces you to purchase auto insurance. But for most people, it's the most affordable and hassle-free way to demonstrate financial responsibility while driving in the state.
Iowa Auto Insurance Discounts
In addition, there's no rule or regulation that states you have to pay an excessive amount for auto insurance. Chances are, you are eligible for one or more discounts on your annual auto insurance premiums. These discounts can leave you with even more money in your pocket - which you can spend on more important things.
Some of the available discounts include:
- Safe driver
- Good student
- Accident free
- And more…
To learn more about specific discounts, visit our Discounts page.
As great as it is to live in the Hawkeye State, there are plenty of dangers which can strike Iowa drivers at any time. If you fall victim to one of these perils, you could be left with a stack of bills that can completely wreck your financial situation. Auto insurance can help protect you from fiscal hardship while also satisfying Iowa's financial responsibility requirement. Auto Insurance Specialists has been assisting drivers in obtaining adequate coverage at an affordable price. Let the experts at AIS provide you with the essential Iowa auto insurance coverage that you deserve!
Start an Iowa Insurance Quote Today: (888) 772-4247