Auto insurance rules differ by state. Iowa car insurance has unique rules, costs and responsibilities to follow as a resident. Our knowledgeable insurance agents at David Pope Insurance Services, LLC also know you have your own experiences, needs and budget plans.
Whatever kind of vehicle you own, you can choose from various coverage options and personalize them to meet your needs and state law requirements. With that in mind, this guide explores all you need to know about auto insurance in Iowa, legal requirements and how you can customize policies to align with your situation — with help from a reputable Iowa insurance broker.
Car insurance in Iowa functions similarly to some other states in the U.S. because it has an at-fault insurance claims system. Some states have no-fault insurance state laws, which require both drivers to file a claim with their own insurance company, regardless of who is at fault. In contrast, Iowa’s at-fault system requires drivers involved in an accident to show or prove whether the other party is at fault. If so, the innocent party gains the right to seek compensation from the driver who was at fault.
Still, whether you were at fault or another driver was, it’s important to meet the minimum law requirements with particular insurance policies and have additional coverage to ensure complete financial security. When working with a reputable Iowa insurance broker like David Pope Insurance, you’ll receive help understanding local insurance laws and selecting policy compensation limits that support you best in these situations.
Whether you drive a motorcycle or a car, David Pope Insurance offers various auto insurance policies to Iowa residents. As a family-owned business, we make it our duty to help Iowa residents and their loved ones feel safe and secure financially. That’s why we work to personalize the numerous auto insurance services we offer:
Do you have any unique vehicle or policy needs? David Pope Insurance offers a range of specialized options for you to choose from:
Many states have requirements regarding PIP, uninsured or underinsured motorist protection and liability coverage. Iowa state law has very particular requirements when it comes to auto insurance.
Coverage like uninsured and underinsured motorist protection is recommended but not mandatory for vehicle owners in Iowa. Iowa residents may also negate PIP insurance because it is an at-fault state and requires the at-fault driver to cover the expenses of the other driver and their passengers. This is contrary to the function of PIP insurance, which protects you and your passengers regardless of who’s at fault.
In contrast, Iowa law requires auto liability coverage. Drivers need this coverage to prove they can compensate for injuries or damages if they cause an accident. Vehicle owners can easily verify this if they have minimum liability coverage limits of the following amounts:
Whether you’re at fault for an accident or the other driver is, it’s important to discuss with an insurance agent in Iowa how much insurance liability is best for you and whether you need additional coverage. Once you have liability coverage, you may include other, more specific insurance that aligns with your unique situation.
Want to know Iowa insurance laws in more detail? Our local agents at David Pope Insurance are always ready to assist and help you understand your rights and responsibilities as a car owner in Iowa. Knowing the Iowa vehicle insurance requirements can make your coverage options more understandable.
We understand that everyone’s experience and situations vary. That’s why we listen to your driving history and consider your budgeting and insurance goals to create a flexible and tailored auto insurance policy that meets insurance law requirements and your needs.
With David Pope Insurance, you can be sure you’ll receive personalized services and policies with the best prices. Choosing auto insurance is a big decision, and we help you make the best choice by using our vast insurance knowledge and considering your budget. We’ll even inform you if something will work out cheaper out-of-pocket.
You can also trust that our local experts are highly responsive and respond with Iowa car insurance quotes within the same day. For flexible payment schedules and affordable vehicle coverage, request an Iowa auto insurance quote with us today!
Rick BaileyVery helpful and knowledgeable staff. Answered all my questions in a timely fashion.Always finds me the best rates and coverage.
Robbie BaileyDavid Pope and his son are wonderful people 10 outta 10.
George HodakNever had a bad experience. Every time I have called with a question or update they have been accommodating. Proactively they have contacted us with better insurance ideas.
Philip GerberYour insurance brokerage always finds me the best rates, unlike going with just an agent for an insurance company. When my rate went up with another insurer, you immediately found a better price with a different carrier. The transition was seamless.
Jim ArnoVery helpful with giving me options for insurance. Helped with transition from my past insurance company.
Jonathan MitchellMy home and auto insurance kept going up and my old insurance agency just said that’s the way it is. They saved me about 40% on my home insurance while keeping coverage the same and still saving me money on my auto. VERY happy I made the move.
Kristy HulseyCustomer service is exceptional! Anytime I have a question or need help with anything, whether by phone or email communication, they get back with me promptly and always have an answer. Excellent at finding a way to get the best rate possible as well – which is important!
Travis OwensThe staff is very knowledgeable and the rate I received was excellent. Got BIG savings compared to my last insurance provider.
Yvonne HeinzThe customer service is fantastic and the price is a great value.
Union AmbulanceVery knowledgeable and gets us the best price on insurance.
Justin HulseyI could not be more happy with the service my family and I receive with David Pope Insurance. They are always very helpful and prompt. I highly recommend!
Pauli AnschutzI am very happy with the service my family receives with David Pope Insurance. I highly recommend!
Brandon BealIt has been a great experience. I have received help when needed and have never been bothered with a lot of phone calls or mail/emails. Friendly people doing a good job!
Jaron BondIt was easy and simple to setup my home and auto insurance. No complaints here at all.
Oakley CorbinGreat! I’ve gotten good service and they found me an amazing deal on issuance for both my business and vehicles!
Alan EakerDavid was very easy to work with and get switched over to the new insurance wit great pricing!!
Andrew CapkovicThis guy just keeps saving me more and more money. Last year he saved me 500 dollars on my car insurance alone and a couple hundred on homeowners. I call him because the rates went up on my renewal. Before I could even say anything Zach (guy who answers the phone) says yeah we already found you someone lower. Come in to set up the new provider. The best service for insurance broker I’ve ever had in my life. I guarantee I will never go to anyone else but David Pope insurance.
Jacqueline WardWhen I was reviewing the options for auto and home insurance with coverage for four teen drivers, myself and my husband- David Pope was able to find the best option to craft an affordable plan for our family; no one else even came close to the options this agency was able to design.
Ali KExcellent rates and coverage but that’s just the beginning. The service is absolutely outstanding! Every time I have a question, I get a thorough and prompt response. Every time my coverage needs change, my needs are taken care of immediately. I can’t recommend David Pope highly enough!
Gayle BDavid Pope Insurance Services is a great firm to work with. Very knowledgeable and fast to respond to all of your needs. They had my quotes ready in no time and I was able to sign on the dotted line that same day. Very convenient. I work with David initially, then had the pleasure of working with Zack. Both took great care of my needs. Highly recommend these professionals.
Mary FI have been doing business with David Pope for many years. He’s reliable & absolutely looks out for us every time we need him. He always goes the extra mile. My daughter and my brother also use him & have been satisfied also. I recommend him whole heartedly.
Steve KThis agency is very responsive. Had insurance with one company who substantially raised our home owners rates. They came to me saying they could find a better package rate that would save us money on home and auto. It is a breath of fresh air to have agents who do so without being asked! Further, had a question that wasn’t urgent on Easter Sunday. Sent it via email and received a reply that day. Can’t ask for better than that!
Nicole BMy experience with your company was amazing! From my first call requesting a quote to my most recent call requesting your company to print out our vehicle insurance cards. Employees were always positive, never made me feel rushed, customer service was superb! Thank you for making a new customer to your company feel so welcome!