How It Works
Enter your ZIP code and tell us what coverage you are looking for in Iowa
See what Iowa requires and compare quotes from licensed carriers
Choose coverage that meets Iowa requirements and get proof of insurance
Coverage Options
Understanding your coverage options helps you build a policy that protects what matters — without paying for what you don't need.
Multi-Car Policy Structure
Two or more vehicles on a single policy, each with its own coverage level. The policy earns the multi-car discount when all vehicles share the same address and policy term.
Liability Insurance Per Vehicle
Every vehicle on a multi-car policy must carry at least your state's minimum liability limits. One car can carry liability only while another carries full coverage on the same policy.
Full Coverage Per Vehicle
Liability plus collision and comprehensive on financed or leased vehicles. Each car on your multi-car policy can carry full coverage independently — the lender requirement applies per vehicle, not per policy.
Uninsured Motorist Coverage
Covers you when an at-fault driver has no insurance or insufficient limits. Required in 22 states. On a multi-car policy, this coverage applies to every vehicle and every driver listed.
