Need Iowa Auto Insurance Quotes?

Purchasing auto insurance in Iowa is an important matter and as such, it deserves significant thought and consideration. Several factors may affect your decision regarding the type and amount of auto insurance that you choose to purchase. Regulations regarding auto insurance vary from one state to the next. Be sure to consider the following facts, when considering the purchase of Iowa auto insurance.

It is extremely important to have car insurance in any state. Most of the states (including Iowa) require at least a liability level of insurance protection. In Iowa the state regulations require the liability insurance to include bodily injury liability protection and property damage liability protection.

The state minimum limits in Iowa are 20/40/15. In other words, limited insurance should have a $25,000 minimum coverage for bodily injury for any one person, $40,000 coverage for bodily injury for all persons injured and $15,000 coverage for property damage.

Verification of insurance is not required during the registration. However, insurance companies are required to notify the Department of Motor Vehicles about Iowa car insurance cancellations and non-renewals. The proof of insurance (insurance policy ID card, for example) is required to be present in a car at all times. Non-compliance will result in a $100 fine.

The average Iowa car insurance cost is very inexpensive. According to the National Association of Insurance Commissioners, Iowa was ranked #49 in the nation in 2003 (#1 being the most expensive). The average insurance expenditures in Iowa were $580.15 in 2003 ($301.04 average liability protection expenditure and $209.55 average collision protection expenditure). We can compare insurance costs in Iowa with the $1,188.42 average insurance expenditure in New Jersey, for example.

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