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Auto insurance in Des Moines, Iowa
Auto Insurance

Iowa auto coverage that goes the distance

Trusted auto coverage in central Iowa

Whether you're commuting from Ankeny into downtown, navigating the Mixmaster, or heading out across I-80, you need a policy that has your back when something goes wrong. We help Iowa drivers build auto policies that meet state requirements and protect what you actually own — without paying for coverage you don't need.

Iowa law requires every driver to carry liability coverage. Most drivers need more. We'll walk you through your options and build a policy around how you actually drive.

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Coverage you can count on

Coverage built for Iowa roads

Sideswiped on the way to work? Hailstorm during a Polk County summer? Hit a deer outside Waukee? We help our clients pick coverage that handles whatever Iowa weather and Iowa traffic throws at them — and we're standing by when it's time to file the claim.

  • Personal Auto
  • Commercial Auto
  • Motorcycle
  • Boat
  • ATV
  • Classic Car
FAQ

Frequently Asked Questions

What's the minimum auto insurance required in Iowa?
Iowa requires liability coverage of at least 20/40/15 — meaning $20,000 for injuries per person, $40,000 per accident total, and $15,000 for property damage. That's the legal minimum, not what most Iowa drivers actually need. Anyone with a home, savings, or wages to protect should carry significantly higher limits.
What's the difference between liability and full coverage?
Liability pays for damage you cause to other people and their property. Full coverage adds collision (damage to your own car in an accident) and comprehensive (theft, hail, fallen branches, deer strikes — all common in Iowa). If your car is financed or leased, lenders almost always require full coverage.
Does my auto policy cover hail damage?
Yes — hail is covered under the comprehensive portion of your auto policy. Iowa sees serious hail every spring and summer, so we always recommend keeping comprehensive coverage in place. After a hail event, call us before you call the carrier and we'll walk you through documenting the damage and filing the claim.
How can I lower my Iowa auto insurance premium?
The biggest levers are raising your deductible, bundling auto with home, maintaining a clean driving record, and enrolling in any safe-driving program your carrier offers. Annual policy reviews catch cases where your rate has drifted up or where your coverage no longer matches your life — that's a conversation we have with every client.
Do you cover motorcycles, boats, ATVs, and classic cars?
Yes — we write separate specialty policies for motorcycles, boats, ATVs, and classic cars. These aren't automatically covered by your personal auto policy, so if you own any of them, make sure we know. We'll bundle them with your auto and home for a multi-policy discount.
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