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Car Insurance Quotes in Iowa

To help you find car insurance in Iowa, we have provided you with information on key aspects that you will need to consider. As you read below, you will see information regarding state insurance laws, how to find auto insurance and many other important tips.

Iowa Auto Insurance Legal Requirements

The state sets the minimum requirements for liability coverage at the following: $20,000 per person per bodily injury, a maximum of $40,000 for everyone for a single accident and $15,000 for property damage coverage. Liability coverage takes care of the costs for the other individual in an accident that you are at fault for causing. This coverage only takes care of expenses up to the limits outlined in the policy. It does not pay any damages incurred to you or your vehicle.

You do have the option to add Uninsured Motorist Coverage to your policy, which can be a very wise decision. This takes care of expenses incurred to you and your vehicle if you are in an accident caused by another driver who has no car insurance. This gives you protection from huge costs from hospital care and to repair your vehicle. This is not required to be in your policy by state law, but it is a good option to consider.

For newer vehicle, full comprehensive coverage is offered by insurers but is not required by Iowa law. If you are leasing a vehicle or is there is a lean against it at the bank, you will probably have to carry full coverage according to their requirements.

Motor Vehicle Division of Iowa (MVD)

The Iowa Motor Vehicle Division, or MVD, handles registration, licensing and related functions that have to do with any type of vehicle ownership. The contact information for the MVD is provided below along with their website. Online you can access various information and resources regarding Iowa state law, when the MVD is open, where to go to take a driving test and what information you will need a registration and licensing. There are also additional resources for drivers who want to obtain a commercial drivers license or requirements.

Iowa Department of Transportation
Euclid Avenue, P.O. Box 9204
Des Moines, IA 50306-9204
Toll Free: 1-800-532-1121

http://www.dot.state.ia.us/mvd

Iowa Insurance Division

The Iowa Insurance Division offers services to both the insurance industry and to consumers in the state. Consumers can go to their website and you will find information regarding fraud, their rights as an insurance customer, learn about insurance scams and file a complaint. Those who work with the insurance industry can explore information regarding licensing requirements and locate personal records. The contact information for The Iowa Insurance Division is provided below along with their website.

Iowa Insurance Division
330 Maple Street
Des Moines, IA 50319-0065
Phone: 515-281-5705
Toll Free: 1-877-955-1212

http://www.iid.state.ia.us

 

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