Iowa Auto Insurance

Driving in the Hawkeye State

If you’re commuting to work in Des Moines, heading up U.S. Route 75 out of Sioux City, running errands around Cedar Rapids or on Interstate 80 back to Davenport, wherever you’re driving in Iowa it’s a good idea to be covered by auto liability insurance. Talk to your local Safeco insurance agent about coverage that is right for you and to get your Iowa auto insurance quote today.

Iowa Car Insurance Laws

Car Insurance in Iowa

Is car insurance required in Iowa?

If you are involved in an accident in Iowa you must be able to show proof of financial responsibility.

Proof of Financial Responsibility in Iowa

What is proof of financial responsibility?

It’s evidence that you have the have the ability to pay for potential damages caused by your car.

Is Proof of Financial Responsibility Required in Iowa?

Yes. Both the owner and driver of a vehicle must be able to prove financial responsibility following an accident unless no damage occurred to other people or their property, your car was driven without your permission or you were legally stopped or parked.

The most common and easiest way to meet the financial responsibility requirements in Iowa is to buy auto liability insurance.

Iowa Auto Insurance Requirements

What is the minimum car insurance coverage in Iowa?

Auto insurance requirements vary by state. Most states require you to have both bodily injury liability and property damage liability coverage. Some states require personal injury protection and/or uninsured and underinsured motorist coverage.

Talk to your Iowa Safeco agent for personal advice about product availability in your area and how much coverage is right for you.

Proof of Insurance in Iowa

What is proof of insurance?

It’s documentation that verifies a current insurance policy or other form of financial responsibility.

Is proof of insurance required in Iowa?

Proof of insurance in Iowa is required if you are involved in an accident in Iowa and auto liability insurance is your form of financial responsibility.

Is electronic proof of insurance accepted in Iowa?
Yes.

What is electronic proof of insurance?

Electronic proof of insurance allows drivers in Iowa to use your smartphone or mobile electronic device to display a digital version of your insurance ID as valid proof of insurance.

Mobile Phones and Texting While Driving in Iowa

Everyone is prohibited from texting and driving in Iowa.

Recommended Auto Insurance Coverage in Iowa

If you’re involved in an accident, the minimum car insurance requirements in Iowa may not be enough to protect you financially from expensive repair and medical costs. Liability insurance will only help pay for the other driver’s expenses. It will not help pay for your own expenses. As a safe, responsible driver, consider raising your liability limits and adding collision, comprehensive, medical payments and uninsured and underinsured motorist to your policy.

All car insurance companies in Iowa offer coverage to meet Iowa minimum finacial responsibility requirements. Talk to your local Safeco insurance agent about a level of coverage that is right for you and to get an Iowa car insurance quote.

Iowa Auto Insurance Coverage Options

In addition to our popular auto insurance coverage options, drivers in Iowa have even more coverage choices.

Safeco Optimum Package Plus™

For as little as $8 a month get a diminishing collision deductible that decreases $50 every six months or $100 with an annual policy renewal, for a maximum of up to $500. Plus increase your personal property coverage up to $1,000 for items stolen from your vehicle, enjoy electronic lock and key replacement coverage with no deductible and much more.

OEM Parts

For cars, vans and pickups less than 10 years old, original replacement parts coverage helps with the cost to use new original equipment manufactured parts for repairs and replacement. If you prefer to use OEM car parts instead of aftermarket car parts, OEM parts coverage allows you to use original equipment manufactured parts when they’re available.

Iowa Auto Insurance Discounts

There are numerous ways to save and lower your car insurance rate in Iowa. In addition to our popular car insurance discounts, Iowa drivers have even more opportunities to save.

More Than One Policy

Qualify for a multiple policy discount when you also have an active home, condominium or renters policy with Safeco.

Keep a Clean Driving Record

Iowa drivers who maintain a good driving record for at least 34 months may qualify for accident-free and violation-free discounts on their auto insurance rate.

Advance Quote

New Safeco customers with a policy that starts at least one day after receiving a quote are eligible for a discount. Get your Iowa auto insurance quote today and start saving tomorrow.

Young Drivers in Iowa

Getting Your First Driver’s License

Minimum age to get an instructional driver permit in Iowa: 14
Minimum age to get an intermediate driver’s license in Iowa: 16
Minimum age to get a full driver’s license in Iowa: 17

Teens, Mobile Phones and Texting While Driving

All Iowa drivers are prohibited from texting while driving. Iowa drivers with an instructional or intermediate driver’s license are prohibited from using an electronic communication device or an electronic entertainment device unless permanently installed in the vehicle or operated through permanently installed equipment.

© 2014 Liberty Mutual Insurance, 175 Berkeley Street, Boston, Massachusetts, 02116

Insurance is offered by Safeco Insurance Company of America and/or its affiliates, with their principal place of business at 175 Berkeley Street, Boston, Massachusetts, 02116. This website provides a simplified description of coverage. Nothing stated herein creates a contract. All statements made are subject to the provisions, exclusions, conditions and limitations of the applicable insurance policy. Please refer to actual policy forms for complete details regarding the coverage discussed. If the information in these materials conflicts with the policy language that it describes, the policy language prevails. Coverages and features not available in all states. Eligibility is subject to meeting applicable underwriting criteria.