Iowa is known for a long line of brilliant inventions, like the bread-slicing machine and the trampoline. While Root Insurance wasn’t invented in Iowa, we’re still proud to honor that spirit of innovation by bringing a new, better kind of car insurance to the Hawkeye State. With Root, great drivers save up to 52% on car insurance. And that’s the best thing since sliced—well, you know.
We base rates primarily on how you actually drive, not just on some statistical profile of your age, credit score, marital status, and ZIP code.
Here’s how it works:
Root is disrupting the broken insurance industry by bringing fairness and ease to customers across the Hawkeye State.
Since Iowa is an electronic proof of insurance state, you’ll always have legal, hassle-free proof of coverage on hand through the Root app on your phone. Root’s competitive quotes and simple app prove that car insurance can be easy and affordable for the state’s best drivers—from Des Moines to Sioux City, Cedar Rapids to Davenport, and all points between (we’re looking at you, Iowa City).
Unlike most states, Iowa does not have a mandatory insurance requirement. However, you are required to prove financial responsibility in the event of an accident. For most drivers, auto insurance is the best way to make sure you’re covered. To meet Iowa’s minimum requirements for auto insurance, you must carry liability insurance and uninsured/underinsured motorist protection (which can be declined in writing). If you’re unable to prove financial responsibility in the event of an accident, you can face fines.
Liability coverage helps to pay for property damage or bodily injuries that occur from a car accident you cause. It does not cover harm to you or your family members (that’s what Medical Payments and Personal Injury Protection coverages are for) or your vehicle (but Collision and Comprehensive coverages do). These additional coverages can help you avoid serious expenses in the event of a major accident.
You can always opt for higher limits if you want more coverage.
Uninsured and underinsured motorist coverage will help pay for your expenses when you've been in a car accident with a driver who doesn’t have car insurance, or whose car insurance amounts won't adequately cover your costs. Insurance companies in Iowa are required to offer this coverage as part of your policy. However, you can reject this coverage in writing and still be in compliance with car insurance laws.
Again, you can always opt for more coverage.
You must show proof of insurance if you’re stopped by a police officer or involved in a car accident, or when you register your vehicle or renew your registration. Acceptable forms include:
Failure to present proof of insurance to a police officer at a traffic stop may result in fines. If you’re insured with Root, you can avoid that trouble. As long as you’ve got your phone, you have legal proof through the Root app.
Learn all about Root’s coverage options here:Our Coverages
If you’re found driving without proof of financial responsibility, you could face:
Under certain circumstances, the state may require you to file an SR-22 with the State Drivers License Division.
An SR-22 Financial Responsibility filing, often referred to as SR-22 Insurance, is a type of proof of insurance that certifies that you will maintain your car insurance for one year. Your car insurance company must file an SR-22 for you. (Root does this for free.)
The average Iowan pays $1,0172per year for their auto policy, but many people pay much more—often to make up for their bad-driving counterparts. Because Root doesn’t insure high-risk drivers, Root customers save up to $100/month on average—all while enjoying fair and simple car insurance.