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Auto Insurance in Iowa

Iowa has a financial responsibility law that is very similar to other states. In order to drive legally in Iowa, drivers must carry the following minimum amounts of insurance:

•     $20,000 injury coverage per person
•     $40,000 injury coverage per accident
•     $15,000 property damage coverage per incident

When you shop for auto insurance in Iowa, you need to be sure to compare rates and coverage amounts to ensure that you're getting the best deal. You should also look into purchasing higher coverage limits and different types of coverage so that you are financially secure. Think of it this way: would you rather pay an extra $25 a month for insurance or $60,000 out of pocket from a lawsuit for not being properly insured?

Another important rule is to never choose a policy based solely on cost. The cheapest policy isn't always the best, and neither is the most expensive one. You need to compare the rates to the coverage amounts and find the balance that works for you. You also need to make sure that you choose an insurance company that will actually help you out when and if you ever need to file a claim.

Your auto insurance rates will be calculated on a variety of factors, including your driving record and the car you're insuring, and you may be eligible for discounts on your insurance. For more information, consult the Department of Insurance in Iowa.