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What type of insurance do you need?
On average, Iowa drivers pay just $886 per year for their car insurance. This is significantly lower than the national average cost of $1,311 per year and makes Iowa one of the least expensive states for buying automotive coverage.
As a vehicle owner in Iowa, you can find the best rates by comparison shopping with a local independent insurance agent. These agents can help you by obtaining customized car insurance quotes from multiple insurance companies on your behalf. That way, you can be sure you are getting the coverage you need at a competitive price.
Accidents can happen to anyone. Especially when road conditions are hazardous such as in the winter or during a torrential rainstorm.
If you are at fault for an accident, you can be held liable for other people’s property damage and the cost of medical treatment for their injuries. Given the high cost of health care in this country, an accident that involves injuries can be extremely expensive and could cause you a great deal of financial harm if you are not properly insured.
If you are involved in a collision, here are a few of the ways that your Iowa auto insurance can help.
You can also opt to include other coverage with your car insurance policy including uninsured motorist insurance, gap insurance, roadside assistance and towing, and rental car reimbursement. Talk to your local insurance agent to learn more.
The driver who caused the accident is responsible for covering the cost of damage.
If you are caught driving without insurance in Iowa, your car can be impounded, your registration may be suspended, and you can face faces of $250. Additionally, if you are responsible for a collision while driving without insurance, you may lose your driving privileges for up to one year. Despite this, an estimated 8.7% of vehicle owners in this state are driving while uninsured.
If you are in an accident that was caused by an uninsured driver, that person is responsible for covering your damage and any related medical bills. However, if the uninsured driver simply doesn’t have the funds available, you may be forced to hire a lawyer and take legal action just to collect a fraction of what is due to you.
That is why uninsured motorist coverage can prove so beneficial. This optional coverage pays for your vehicle repairs and medical expenses if you are in an accident and the at-fault driver is uninsured or underinsured. It also covers damage caused by uninsured drivers. Your insurance company will then take on the time-consuming responsibility of trying to collect the money owed by the at-fault driver.
Yes! There are currently 720 independent insurance agencies in Iowa who are ready to help.
These experienced agents are free to work with several different insurance providers to help you find the best rate for auto coverage. That way, you can buy a policy that meets all your coverage needs at a price you can afford.
The best insurance company for one person might not be the best choice for another. Independent insurance agents compare coverage and prices from a variety of highly rated insurance companies to find the policy that is best for you.
National average time spent commuting 25.4 Min
National average car thefts per 1,000 2.94 Year
National average car insurance cost $1318 Year
|City||Commute time (min)||Auto thefts / 1,000||Annual insurance cost|
|West Des Moines||16.8||1.07||$836|