Council Bluffs Car Insurance

(And how to find a knowledgeable independent agent)

Council Bluffs Iowa car insurance

Named in 1852, Council Bluffs, Iowa, was known as a player in Pike's Peak Gold Rush and the steamboat trade. Designated by Abraham Lincoln as the starting point of the transcontinental railroad, this town is always moving. 

If you drive the Council Bluffs streets, you'll need car insurance to get you by. An independent insurance agent is local and can shop coverage and rates. Connect with an independent agent on today.

Council Bluffs, IA, Crime Rates and Car Insurance

Your car insurance premiums in Council Bluffs may be more than the average city. The theft rates are higher, and where there is more crime, there is more premium. The more crime your city has, the more money the carriers will charge to insure you. 

Average Theft Rates:

  • National average: 2.37
  • Iowa average: 1.59
  • Council Bluffs average: 2.85

Council Bluffs had a pretty rocky beginning and was known by many travelers as unsafe. It had a lot of mischief due to its size and the number of passersby. The town of Council Bluffs is very different today, but still has a higher theft rate than the state and national averages. Discuss how the crime rates are impacting your auto insurance with an agent.

Car Insurance Requirements in Council Bluffs, IA

Car insurance is required in the state of Iowa. There are minimum limits that IA and its cities mandate every driver to carry. If you're found without coverage, you will have to pay a fine or worse. If you have a lapse in insurance, it will negatively affect your future auto rates. Let's look at what Council Bluffs requires for car insurance:

  • Minimum liability limits of $20,000 per person
  • Minimum liability limits of $40,000 per accident
  • Minimum liability limits of $15,000 property damage

Since Council Bluffs only requires the lowest liability limits, you may want to increase your coverage. Discuss the differences in range with your independent agent to determine which car insurance is right for you.


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Other Auto Insurance Options in Council Bluffs, IA

Car insurance comes in various flavors and can provide more or less coverage depending on your assets. If you are insuring a $200,000 car, you may want more coverage than insuring a $20,000 car. Every policy is relative to the individual purchasing it. What's right for your car insurance may not be suitable for your neighbors. Let's take a look at additional coverage options:

  • Comprehensive: This will pay for property damage to your vehicle should an unavoidable object or animal cause damage.
  • Collision: This will pay for the damage to your car when a collision with another vehicle or property happens.
  • Towing: This will pay for the tow of a scheduled auto.
  • Gap: This will pay for the remaining balance on your car loan when there is a difference in value, and your car is totaled.
  • Rental: Pays for a rental car while a covered auto is being repaired or replaced due to a loss.

To know which optional coverages are right for you, speak with your Council Bluffs independent agent. They can evaluate your specifics and provide individualized choices. 

Additional Liability Insurance in Council Bluffs, IA

Your limits of liability on your auto insurance will be the most used when an accident occurs. If you are involved in a larger car crash, there may not be enough liability to go around without proper limits. All it takes is one bad accident and your Council Bluffs auto policy could be maxed out. This would put a court-ordered garnishment of wages that could last for your lifetime. Let's look at the ways to add liability insurance to your auto policy:

1.) Increase the current liability limits on your car insurance policy

2.) Get an umbrella policy to add another level of protection

Umbrella Insurance:

An umbrella insurance policy is an additional limit of liability that goes above and beyond your underlying home and auto policies. It usually starts with an extra $1,000,000 of liability and will kick in once your primary policy limits are exhausted from a larger claim.

It only takes one accident to change your way of life completely. An umbrella policy is relatively inexpensive to purchase, so speak with your agent on quotes. 

The Number of Uninsured Drivers in Council Bluffs, IA

Uninsured drivers are in all 50 states and can put you and your loved ones at risk. If you happen to get into an accident with an uninsured driver, you'll want coverage that can pick up where their policy lacks. Let's look at the facts:

  • National percentage of uninsured drivers: 13.0%
  • Iowa percentage of uninsured drivers: 8.7%

Iowa has a fairly low percentage of uninsured drivers, which is excellent for you. However, the threat still exists, and you'll want uninsured/underinsured motorist or UM/UIM insurance for the what-ifs.


UM/UIM will pay for medical expenses and property damage resulting from a loss with an uninsured driver. It will protect your finances, so you don't have to pay out of pocket when another driver lacks coverage.

Speak with your independent agent on UM/UIM coverage limits. 

An Independent Insurance Agent in Council Bluffs, IA

If you work with an independent insurance agent, you can save yourself the job of comparison shopping for insurance. An independent agent has access to several carriers and can find different policy options and pricing to fit your budget.

A Council Bluffs independent agent is local and knows what exposures await in this 62,316 resident town. Go to and find an independent agent you can lean on.

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