Happy couple driving safely with Auto Insurance in Des Moines, IA from The Insurance Specialists Inc.

Protect What Matters with Auto Insurance in Iowa

When you’re behind the wheel in Iowa, unexpected moments can turn into major headaches—icy roads in January, hailstorms in April, or a minor fender-bender during rush hour on I-235.

That’s why having the right auto insurance isn’t just about meeting Iowa’s state minimums—it’s about driving with true peace of mind.

At The Insurance Specialists Inc., we help Des Moines drivers stay protected with coverage plans that match real local risks.

Whether it’s an accident, weather damage, or theft, we make sure you’re supported and back on the road—fast.

Our auto insurance policies help protect you from:

  • 1

    Collision-related accidents

  • 2

    Vehicle theft or vandalism

  • 3

    Severe weather events like hail, snow, and ice

  • 4

    Sudden hazards like falling trees or debris

With The Insurance Specialists Inc., you get personalized service from a local team that understands Iowa roads, laws, and weather patterns.

🚗 Serving Des Moines and surrounding areas since 1991. Get a fast, personalized quote today and drive with confidence.

Smart, Flexible Auto Coverage Built for Des Moines Drivers

At The Insurance Specialists, Inc., we don’t believe in one-size-fits-all policies. Whether you’re a daily commuter, a college student at Drake, or a retiree exploring Iowa’s backroads, we’ll help tailor the right protection for your needs — and your budget.

Here’s a breakdown of the coverage options we offer:

  • Liability Coverage:

    Required by Iowa law, this coverage helps pay for costs if you’re found responsible for harming someone or damaging their property in a crash. We help you choose limits that protect your assets — not just the legal minimum.

  • Collision Coverage:

    Covers repairs to your car after an at-fault accident, whether you struck another vehicle, a pole, or a pothole on a snowy Des Moines street.

  • Comprehensive Coverage:

    Protects against non-collision risks — like hailstorms, falling tree limbs, vandalism, or even deer on rural roads.

  • Uninsured/Underinsured Motorist Protection:

    If you’re hit by a driver without enough coverage (or none at all), this kicks in to cover your expenses. Unfortunately, uninsured drivers are more common than you’d think — even in Iowa.

  • Medical Payments (MedPay):

    Covers healthcare costs for you and your passengers — no matter who caused the accident. Get treated without worrying about upfront costs.

  • Roadside Assistance:

    Flat tire on I-80? Battery dead during a winter storm? We’ve got your back with towing, jump-starts, lockout help, and more — 24/7.

📞 Not sure what you need? Talk to our local agent today for a coverage review and quote.

Why Choose The Insurance Specialists, Inc.

Find out why Iowa drivers trust us. From expert advice to competitive rates and flexible plans, we deliver dependable coverage, including comprehensive car insurance tailored to your needs.

Expert Advice

Receive trusted guidance from our seasoned Iowa insurance professionals with decades of experience.

Flexible Coverage

Tailor your insurance plan to perfectly match your unique needs and circumstances.

Competitive Pricing

We collaborate with top carriers to bring you the most competitive rates available.

Reliable Partnerships

Our strong connections with leading insurers guarantee dependable coverage.

Car Coverage FAQs

We know that Car insurance policies can be complex, so we’ve compiled answers to some of the most frequently asked questions to help you navigate your options with confidence.

Car insurance policies are designed to help drivers manage the financial burdens that can arise after accidents, thefts, or other incidents involving their vehicles.

These costs might include repairs to your car, medical expenses due to injuries, or even legal obligations you may have to others.

With the right policy in place, many of these expenses can be covered on your behalf, helping you avoid significant financial strain from unexpected accidents.

In Iowa, being an at-fault insurance state means that if you cause an accident, you are responsible for both your own damages and those inflicted on others. Car insurance is the tool that helps you fulfill these legal responsibilities. That’s why Iowa mandates that all registered drivers, including you, carry a minimum amount of coverage.

Drivers in Iowa must have at least the following liability coverage:

  • $20,000 in bodily injury/death liability per person
  • $40,000 in bodily injury/death liability per accident (when two or more people are injured)
  • $15,000 in property damage liability per accident

Liability insurance doesn’t cover your own injuries or vehicle damage. Instead, if you are found at fault in an accident, others involved—whether they are drivers, pedestrians, or property owners—can file a claim against your liability coverage to seek compensation for their losses.

It’s important to understand that a policy limited to liability coverage won’t protect your own vehicle in the event of an accident. This can leave you financially vulnerable when faced with some of the most costly outcomes of a crash. We suggest collaborating with your insurance agent to expand and tailor your coverage, ensuring you’re fully protected.

Consider adding these coverages to your policy:

  • Higher Liability Limits
  • Collision Insurance
  • Comprehensive Physical Damage Insurance
  • Uninsured/Underinsured Motorist Coverage
  • Roadside Assistance Benefits
  • Medical Payments/Personal Injury Protection (PIP)

Additionally, you can enhance your protection with options like custom parts coverage, umbrella liability insurance, gap insurance, and replacement cost car insurance. We provide coverage for high-risk drivers, SR-22 holders, and others, ensuring your plan fits within your budget while meeting your needs.

Auto coverage includes several types of protection, such as coverage for liability, accidents, comprehensive events, and uninsured drivers. Each kind serves a specific purpose, helping you stay covered in various scenarios.

While liability coverage focuses on damages to others, comprehensive and collision insurance help safeguard your own vehicle. Comprehensive covers situations like theft or weather-related incidents, while collision handles repairs after an accident with another vehicle or object.

You can lower your auto coverage expenses by choosing a higher deductible, maintaining a clean driving record, and bundling your policies. Additionally, you might qualify for discounts if you drive safely, have low mileage, or own a vehicle with advanced safety features.

Driving uninsured can lead to serious consequences, including fines, loss of your driver’s license, or even legal trouble. Moreover, if you’re involved in an accident, you’ll need to cover all costs yourself, which can be financially overwhelming.

Yes, it’s possible to get insurance even with a poor driving history, though it may come at a higher cost. Special policies for high-risk drivers are available, and improving your driving habits can help lower your rates over time.

After an accident, it’s essential to gather all necessary details, including what happened, photos of the scene, and contact information from those involved. Reach out to your insurer promptly to file a claim, ensuring you provide all the required documentation to facilitate a smooth process.

Yes — you’re allowed to change providers at any time, even before your current policy expires. Just make sure there’s no gap in coverage by starting your new policy before canceling the old one. The Insurance Specialists, Inc. can walk you through a seamless switch with no lapse in protection.

Often, yes. Bundling your policies with The Insurance Specialists, Inc. can unlock valuable multi-policy discounts and simplify your billing. Whether you’re a homeowner or renter in Des Moines, our team can help you maximize savings with one streamlined plan.

Timing can vary. After your policy is confirmed by The Insurance Specialists, Inc., you may receive digital proof via email or an online account.

However, depending on factors like vehicle inspection requirements or policy changes, activation (and documentation) may take some time. Contact your agent to understand the timeline specific to your plan.

First, check for injuries and contact emergency services if needed. Then, document the scene, exchange contact and insurance details, and avoid discussing fault. When you’re ready, contact The Insurance Specialists, Inc. or use our 24/7 claims support to get help filing a claim quickly and accurately.

It depends on your policy. Some cover personal-use rental vehicles automatically. The Insurance Specialists, Inc. can help you review your current coverage and recommend temporary rental car protection if needed for trips or while your car is in the shop.

Getting the best rate isn’t just about paying less — it’s about getting more value. The Insurance Specialists, Inc. compares coverage from multiple insurers to find a policy that fits your driving habits, risk level, and budget — not just the lowest price tag.

Our Car Insurance Services

Explore our range of tailored vehicle coverage services designed to meet the unique needs of every vehicle owner.

Click on the links below to learn more about each service and find the coverage that best suits your situation.

Looking for the Right Insurance Coverage?

Ensure your peace of mind with the right coverage. Get in touch with us, and we’ll help you explore insurance options that match your priorities and fit your budget.

Customer Ratings & Reviews

Why our clients love us