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Maschoff Insurance Agency LLC

1451 NE 69th Place
Suite 45
Ankeny, IA 50023

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Iowa Autoowners with auto insurance coverage

Auto Insurance in Iowa

Accidents happen every day. It is an unexpected event that can be a financial burden if you are not insured properly. At Maschoff Insurance Agency LLC, we can help you stay protected while on the road.

How much auto insurance is required in Iowa?

The state of Iowa requires drivers to show proof of auto insurance that pays at least $20,000 per person ($40,000 per incident) for bodily injury and $15,000 for property damage. The punishment for driving around Ankeny, IA, while either uninsured or underinsured is severe.

Not only will you be subject to a fine of no less than $250, but you also run the risk of having your license suspended if you drive without proper insurance. The consequences become even greater if you have an at-fault accident. The victim can sue you for damages, which could lead to thousands in financial losses along with time away from work to attend court sessions.

Should you stick with the bare minimum?

You can avoid the possibility of license suspension and state fines by keeping the minimum required for auto insurance. The bare minimum, however, does not fully protect against a lawsuit.

As an at-fault state, the driver “at-fault” is responsible for all financial costs associated with an accident. A victim can file suit if the insurance policy is not enough to cover the damages, which means you are at risk of significant financial losses even if you remain compliant with the law.

How much auto insurance should you buy?

Many Iowans do not stop at the bare minimum when it comes to auto insurance. It is best to purchase an indemnity plan that you believe will cover all costs in an accident.

The agents at Maschoff Insurance Agency LLC can help you fully understand how auto insurance works in Iowa. Call us today to request a quote for coverage in Ankeny, IA.

Servicing States

  • Iowa
  • Missouri
  • Kansas


Partner Carriers

  • Columbia Insurance
  • Donegal
  • First Comp
  • Hagerty
  • Lemars
  • Liberty Mutual
  • Markel
  • Metlife
  • Nationwide
  • Progressive
  • Safeco
  • State Auto
  • Wellmark
  • West Bend
  • Zurich-US Assure