Iowa Car Insurance

Car Insurance for Iowa Drivers

The beautiful state of Iowa offers many reasons to take a road trip. Whether you’re touring a winery, traveling across historic Route 6 or swimming at Big Creek State Park, experienced Iowa drivers like you can have peace of mind that you’ll be protected with the AARP^® Auto Insurance Program from The Hartford.¹ We offer Iowa car insurance that fits your needs.

We’ve been protecting Iowa AARP members and their families since 1984, earning 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 auto insurance quotes for Iowa drivers 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:

New Car Replacement^§§
Accident Forgiveness^‡
Disappearing Deductible^‡
24/7 Claim Service

What Is the Minimum Required Auto Insurance Coverage in Iowa?

Iowa law requires liability insurance at the following state minimums:²

Bodily injury liability: $20,000 per person, $40,000 per accident
Property damage liability: $15,000 per accident

Proof of Car Insurance in Iowa

Iowa state law requires you to show a copy of your car insurance ID card if requested by a police officer or other party if involved in an accident. If you’re a licensed driver in the state of Iowa, it’s smart to keep a copy of your car insurance ID card in your vehicle along with your registration. Iowa is among several states that accept electronic proof of car insurance. With The Hartford mobile app, you can store your car insurance ID cards right on your phone. For more information, visit the Google Play™ or App Store.™

Iowa Uninsured Driver Facts

According to a 2021 Insurance Research Council report, 11.3% of Iowa drivers are uninsured. This is slightly 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 liability coverage to help protect you from financial loss if you’re 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 car insurance coverages from the AARP Auto Insurance Program from The Hartford:

Comprehensive Car Insurance
Roadside Assistance
Transportation Expense

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:

Iowa Seat Belt Laws

It is mandatory 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 teenagers, and Iowa wants to be sure they stay safe in the process. Iowa has implemented graduated licensing laws to ensure that young drivers 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.