Iowa Car Insurance
According to Ripley's Believe It Or Not, the most crooked street in the world is located in Iowa. Fortunately for you, not all roads in the state are as crooked, and driving in the state is pretty easy to do. Only one town in the state is located on an island, and that is Sabula. Even so, there are many places to travel and visit, and the people of the state are fantastic. Iowa is the home of more golf courses per capita than any other state. It is also the place where sliced bread was invented. Next time you hear somebody talking about something being the best thing since sliced bread, you can let them know sliced bread was invented in Davenport.
Iowa is an incredibly interesting state, but in some ways, it falls in line with most other states in the country. One of the ways it does this is through its requirement for automobile insurance in order to drive legally.
Auto Insurance Requirements In Iowa
Driving legally in Iowa means meeting specific requirements for automobile coverage. These minimum requirements include both bodily injury liability coverage and property damage liability coverage. For bodily injury coverage, the requirement is a minimum of $20,000 per person in an accident and a minimum of $40,000 minimum per accident. This type of insurance policy will pay each injured person in the other driver’s car up to these amounts if you are found at fault in an accident. This insurance coverage, however, does not cover your own injuries if you are involved in an accident. Many people choose to purchase higher limits to better cover themselves, as well as other types of automobile insurance coverages.
Even though there are numerous optional insurance coverages, property damage liability coverage is also required by law in the state. The minimum limits for this type of car insurance in Iowa are $15,000 for each accident.
Average Cost Of Coverage In Iowa
On average, people pay between $1,100 and $1,200 per year on automobile insurance if they have a good driving record. This is lower than the national average. Each person has a different and unique situation, however, meaning that their rates may be higher or lower than average. Numerous variables affect what people pay for automobile insurance plans in Iowa. This includes their driving record, age, marital status, and the details about their vehicle.
Cheapest Car Insurance Companies In Iowa
Some of the cheapest auto insurance providers in Iowa include Progressive, Hastings, and Partner Mutual. Geico and State Farm are also on the lower and in terms of pricing. Getting quotes from multiple companies is essential when it comes to finding the top car insurance rates in Iowa that suit your needs. .
Cheapest Car Insurance In Iowa By City
Some cities are more expensive than others when it comes to automobile insurance. On average, people in the cities of Iowa City, Mason City, and Ames pay lower rates on automobile insurance. Even though Iowa City is the fifth-largest city in the state, it beats the average car insurance rates for Iowa by over 10%.
Most Expensive Car Insurance In Iowa By City
Some of the other largest cities have not fared as well as Iowa City in terms of automobile insurance costs. The capital of Des Moines, as an example, is up to 30% or more higher on average. Other pricier cities for car insurance include Council Bluffs, Glenwood, and Diagonal.
Laws, Rules, And Penalties In Iowa
Penalties for driving without insurance in the state of Iowa can include hefty fines up to $250 or more. In some cases, community service may be assigned instead of this fee. A person’s vehicle is also at risk of being impounded, as well as their registration and/or driver’s license being suspended. After proof of fine payment or community service, and along with proof of insurance and an administrative fee, a person may be able to have their driving privileges reinstated.
The best way to avoid these penalties, as well as more severe penalties for repeat offenders, is to maintain a valid automobile insurance policy that meets the minimum requirements of the state.
How to Save Money On Car Insurance In Iowa
Saving money on car insurance is often easier than people think. The tools located here can help direct you to the best insurance quotes, and people who get free car insurance quotes and compare policies find themselves saving the most money on average. Also, there are many discounts that are available for drivers in the state of Iowa. Double-check and make sure that all of the discounts you qualify for are being applied. This is another fantastic way to keep your wallet more full.