Coverage guide, Des Moines
Auto
Liability for damage you cause, plus collision and comprehensive. Iowa’s 20/40/15 minimum is rarely enough.
Premium from
$62/mo
Carriers quoted
11
Policy term
6 or 12 months
Every Iowa driver needs liability insurance of at least $20,000 per person and $40,000 per accident for injuries and $15,000 for property damage. Those minimums rarely cover a serious accident, so most of our clients carry 100/300/100 or 250/500/100.
Collision pays to fix your car after a crash; comprehensive covers hail, deer, theft and glass. If you finance or lease, the lender requires both.
Uninsured and underinsured motorist coverage, which pays you when the other driver cannot
Six- or twelve-month terms, depending on the carrier
Discounts for bundling, safe driving and good grades
What it covers
Injuries and damage you cause to others
Your own car after a collision, at its actual cash value
Hail, deer, theft and glass under comprehensive
Medical payments for you and your passengers
Common gaps
State minimum limits can leave you paying the rest of a serious claim
Rideshare and delivery driving need an endorsement
A loan larger than the car’s value needs gap coverage
Is this the right policy for you?
A 15-minute call tells you whether you need it, roughly what it costs and what to have ready. No obligation and no fee.
Coverage varies by carrier and policy form. Example premiums only, not a quote or an offer of coverage. Iowa license # 0000000 (demo).
Other policies worth a look.
12 months
Home
The house, your belongings and your liability. We match your roof and deductible to the carrier that wants it.
See the details
10 to 30 years, or permanent
Life
Term life replaces your income for the years people depend on it, compared across several life carriers.
See the details
12 months
Business
One business owner’s policy for property and liability, plus workers’ comp and commercial auto when needed.
See the details