Car Insurance for Iowa Drivers
The beautiful state of Iowa offers many reasons to take a road trip. Whether you’re touring the numerous wineries, traveling across the historic US Route 6, or swimming at Big Creek State Park, experienced Iowa drivers like you can rest assured that you’ll be protected with the AARP® Auto Insurance Program from The Hartford.1 We’ve been protecting AARP members in Iowa and their families since 1984, and have earned a reputation for integrity and trust, as well as high customer ratings for claims services. You can count on The Hartford to be there when you need us most.
If you’re looking to get a car insurance quote or just need information about buying car insurance in the state of Iowa, you’ve come to the right place.
Car Insurance Benefits Offered to Iowa Drivers
Iowa drivers could receive valuable car insurance benefits from the AARP Auto Insurance Program from The Hartford, including:
12-month Rate Protection
New Car Replacement§§
24/7 Claim Service
Required Car Insurance Coverages in Iowa
Iowa state law requires liability car insurance at the following minimum limits:2
$20,000 for bodily injury, per person per accident.
$40,000 for bodily injury, total per accident.
$15,000 for property damage per accident.
Proof of Car Insurance in Iowa
Iowa state law requires you to furnish a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. That’s why it’s a good idea to keep a copy of your car insurance ID card in the vehicle with your registration. For added convenience, Iowa is now among the states that will accept an electronic copy of your ID card. With The Hartford’s mobile app, you can store your ID card right on your mobile device. Visit the App Store™ or Google Play™ for more information.
Iowa Uninsured Driver Facts
According to a 2012 Insurance Research Council report, 9.7 percent of Iowa drivers are uninsured. This is significantly below the national average of 12.6%.3
The state of Iowa does not require drivers to carry uninsured/underinsured motorist coverage, but The Hartford offers this coverage which will protect you from financial loss if you are involved in an accident with an uninsured motorist.
Additional Car Insurance Coverages and Benefits Available to Iowa Drivers
For added protection, Iowa drivers may also be eligible for the following coverages from the AARP Auto Insurance Program from The Hartford:
Staying Safe on Iowa Roads
As you travel through Iowa, there are a number of safe driving laws meant to protect you on the Iowa’s highways and byways. Here are just a few:4
Iowa Seat Belt Laws:
It is a mandatory law to wear a seat belt while driving the roads of Iowa.
Iowa Distracted Driving Laws:
Texting while driving is banned for all drivers in the State of Iowa.
Iowa Teen Driver Laws:
Getting a driver’s license is a rite of passage for all teenagers, and Iowa wants to be sure they stay safe in the process! Iowa has implemented graduated licensing laws to ensure that teenagers gain the experience and maturity that’s required to be safe behind the wheel. Graduated licensing laws limit nighttime driving, restrict teen passengers and ensure an adequate amount of supervised driving practice.