Car Insurance in Waukee, IA

Even the most careful drivers in Waukee are sometimes involved in accidents. A good car insurance policy can shield you from large financial losses whether you cause a serious crash on I-80, get rear-ended at a traffic light on Hickman Road, are in a fender-bender in a parking lot, or anything in between.

Local independent agents are free to work with some of the area’s most highly rated insurance companies as they shop around to find you the coverage you want at the most competitive price. Contact an independent insurance agent near you to start comparing customized car insurance quotes.

How Much Does Car Insurance Cost in Waukee, IA?

The average cost of car insurance in Waukee, Iowa is much lower than the national average. This is excellent news for area drivers looking for an affordable policy.

• National average annual car insurance cost: $1,311
• Iowa’s average annual car insurance cost: $886

Car insurance premiums can vary significantly between different drivers because car insurance companies calculate rates according to several factors, such as:

• The number of vehicles you are insuring
• The year, make, model, and condition of each vehicle
• Your age, occupation, driving record, claims history, and credit score
• Details about any other licensed drivers in your household
• The amount of liability insurance you are buying
• Which, if any, coverage options you want to include in your policy
• The size of your deductible
• Whether you qualify for any offered car insurance discounts

Every insurance company has a different method for calculating rates, so every quote you get will likely be different. Comparison shopping to find the policy that offers the coverage you want at the best price has the potential to save you hundreds of dollars a year.

Independent insurance agents make this comparison shopping easy.

Is Car Insurance Required in Waukee, IA?

As a vehicle owner in Waukee, you are required to carry a policy that meets or exceeds the minimum coverage requirements set forth by the state of Iowa.

By law, car insurance policies in Iowa need only include liability coverage. This is designed to pay for injuries and property damage you may cause others if you are at fault for a collision. Your auto liability coverage must meet or exceed the following minimums:

• $20,000 in bodily injury liability coverage per person
• $40,000 in bodily injury liability coverage per accident
• $15,000 in property damage liability coverage per accident

Some vehicle owners also need to include physical damage coverage in their car insurance policies. Though it is not required by law, this coverage is usually required by lenders or dealerships if you are financing or leasing your car. Physical damage coverage includes:

• Collision insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled in a collision, regardless of fault.
• Comprehensive insurance: This covers the cost to repair or replace your vehicle if it is damaged or totaled by a non-collision event such as a hailstorm or theft.

If you own your vehicle outright, collision and comprehensive coverage are considered optional coverage, but are useful to consider.

Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Request a Quote

What Else Does Car Insurance Cover in Waukee, IA?

In addition to the liability and physical damage coverage mentioned above, your insurance company is likely to offer various coverage options. These typically include things like:

• Uninsured/underinsured motorist insurance: This covers property damage and the treatment of injuries sustained by you and your passengers if you are involved in a collision caused by an uninsured or underinsured driver.
• Medical payments insurance: This can work with your health insurance policy to help cover the cost of medical treatments if you or your passengers are injured in a collision, regardless of fault. It is typically used to cover things like copays, deductibles, and ambulance services.
• Glass replacement coverage: This covers the cost of replacing the safety glass in your vehicle’s windshield, sunroof, or windows if it is cracked, broken, or otherwise damaged.
• Towing and roadside assistance: This can pay for assistance and/or towing services if your vehicle breaks down and you need to call for help. Examples of times it can come in handy are if you get a flat tire, your engine overheats, or you have a blown gasket.
• Gap insurance: This can pay off your car loan or buy out your lease if your vehicle is totaled in a covered event, but you still owe more for it than it is worth.
• Rental reimbursement coverage: This is designed to cover the cost of renting a car while yours is being repaired for damage sustained in a covered event.
• Umbrella insurance: This is a separate policy that enables you to significantly boost your liability coverage beyond the primary coverage provided by your car insurance policy.

Take the time to review the details and costs of each of the coverage options available to you to make an informed decision about whether any are a good fit for you and your family.

What Is the Penalty for Driving without Car Insurance in Waukee, IA?

It is illegal to drive an uninsured vehicle in Iowa. If caught, uninsured drivers can face penalties including:

• A fine of $250 or community service
• Suspension of their vehicle’s registration
• Reinstatement and administrative fees
• Possible vehicle impoundment
• The requirement to file an SR-22 (proof of insurance)
• Higher car insurance rates

Additionally, if an uninsured driver causes an accident that results in at least $1,500 in damages, they can have their driver’s license suspended for one year. Additionally, the at-fault driver will be responsible for paying for any property damage and injuries they may have caused in the collision.

Fortunately, the rate of uninsured drivers is much lower in Iowa than throughout much of the United States.

• Percentage of US drivers who are uninsured: 13.0%
• Percentage of Iowa drivers who are uninsured: 8.7%

If your car insurance policy includes uninsured motorist insurance, your insurance company can reimburse you for losses incurred in a collision caused by an uninsured driver.

Your insurance company will then attempt to collect from the at-fault driver, saving you the trouble of doing it yourself.

How High Is Waukee, IA’s Auto Theft Rate?

The auto theft rate in Iowa is lower than the national average, and in Waukee, the risk is even lower. Residents of this city report an average of 9 auto thefts a year, though it should be noted that in 2017, this city experienced a whopping 38 car thefts.

• National auto theft rate per 1,000 people: 2.29
• Iowa auto theft rate per 1,000 people: 1.49
• Waukee auto theft rate per 1,000 people: 0.54

Though the risk is relatively low, you should know that you can only be reimbursed for a stolen car if your auto policy includes comprehensive coverage.

Comprehensive insurance covers a wide range of non-collision loss and damage, such as if your vehicle is destroyed in a tornado or a tree falls on it.

If you are leasing or financing your vehicle, chances are good you have comprehensive coverage already. If not, you may want to look into how much it would cost to add it to your car insurance policy so you can determine whether this optional coverage is of good value to you.

What Are the Best Car Insurance Companies in Waukee, Iowa?

Attributes that make insurance companies stand out above the rest include consistent reliability, responsive customer service, timely claims processing, and competitive prices.

Independent insurance agents have partnerships with some of the best car insurance companies in Iowa. This lets you be sure that any policies your agent recommends to you are offered by insurance providers you can count on if you ever have to file a claim.

How Can an Independent Agent in Waukee, IA Help Me Find the Best Car Insurance Policy?

Independent agents in Waukee make it easy to find the best car insurance policy. These agents are available to answer your coverage-related questions and can help you obtain and compare rates from some of the area’s most highly rated insurance providers.

Best of all, working with one of these experienced insurance professionals won’t cost you a thing. Arrange an obligation-free consultation with an independent insurance agent near you to start comparing customized car insurance quotes.