Iowa Car Insurance

Car Insurance in Iowa

In the state of Iowa you can satisfy the states requirements of financial responsibility two ways. The easiest way is by securing an auto insurance policy through a state licensed insurance company. The other way is by providing the IDOT Office of Driver Services the necessary information listed under the alternatives tab. Below are the corresponding tabs with the minimum requirements to satisfy your financial responsibility to drive. The Penalties tab covers the consequences for not carrying insurance or driving without proof of insurance. Review these tabs and our supplemental insurance pages on purchasing, car insurance discounts, and claims to make sure you are 100 % prepared to take responsibility for driving on the roads. The best insurance of course is to take your Iowa online drivers ed course and learn to be a safe driver with igottadrive.com.

Purchasing auto insurance to meet your financial responsibilities in the state of Iowa requires all drivers to carry the following minimum amounts of insurance. These minimums will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter. Even as a new or returning driver discounts are available to help you better protect you and your vehicle.

Minimum requirements:

$20,000 for bodily injury liability for one person
$40,000 for bodily injury liability for more than one person
$15,000 for property damage liability

Accepted proof of insurance:

An insurance ID card from your insurance carrier and or an electronic proof.
A certificate of self-insurance from your surety bond provider.

Need a quote? Use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Iowa you can contact the Iowa IDOT Office of Driver Services at 515-239-1101 or visit the Iowa IDOT Office of Driver Services web site.

Outside of purchasing auto insurance to meet your financial responsibilities in the state of Iowa you can apply  for the following insurance alternatives. These alternative options will get you on the road however you should consult your insurance agent to make sure you are properly covered for potential incidents that you may encounter.

Approved insurance alternatives:

File with the treasurer of state a fifty-five thousand dollar endorsed certificate of deposit made payable jointly to the person and the treasurer of state. Purchase a bond with at least two individual sureties each owning real estate within this state, and together having equities equal in value to at least twice the amount of the bond, which real estate shall be scheduled in the bond approved by a judge or clerk of the district court, and which bond shall be conditioned for payment of
$20,000 for bodily injury liability for one person
$40,000 for bodily injury liability for more than one person
$15,000 for property damage liability

Want to compare alternative cost with insurance? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Iowa you can contact the Iowa IDOT Office of Driver Services at 515-239-1101 or visit the Iowa IDOT Office of Driver Services web site.

The state of Iowa takes driving with out being properly covered or not having the financial wherewithal to cover an auto accident very seriously. The following  list of penalties are in place to keep people from taking the risk of driving with out coverage. These penalties are to be taken seriously and are here to help protect  you and your automobile in the event you are in an accident.

State Penalties:

Iowa does not have a compulsory insurance law. Instead, the Financial and Safety Responsibility Act protects you from the financially unsound and reckless driver. It does this by:
Suspending the operating and registration privileges of a driver or owner who has not been able to show immediate financial responsibility following an accident; and by requiring anyone whose driver's license has been suspended or revoked because of a conviction, unsatisfied judgment or violation of the OWI law to prove financial responsibility for any future damages or injuries that driver may cause.

Don't be that guy. Get auto insurance and know your covered? use the quote finder in the upper right corner to get started.

For more information about insurance in the state of Iowa you can contact the Iowa IDOT Office of Driver Services at 515-239-1101 or visit the Iowa IDOT Office of Driver Services web site.