The Ultimate Iowa Car Insurance Guide (Costs + Coverage)

Iowa offers plenty of open vistas and beautiful drives. Whether it is the urban areas of Des Moines, or you are driving through the vast farmlands to Lake Okoboji.

But with thousands of miles of roadway comes the possibility of accidents that also aplenty in Iowa.

It is critical that you have the best protection against accidental damage and injury.

We have developed this comprehensive guide to help you choose the best auto insurance coverage.

You can start by comparing insurance quotes. You can enter your zip code in our FREE tool to get started.

Iowa Car Insurance Coverage and Rates

You should purchase the best protection for complete peace of mind.

What is the best coverage for you?

We understand that it can be confusing given the different coverages, options, laws, and much more.

That is why we have created this guide to help you optimize your car insurance policy for the best coverage at the cheapest rate.

Iowa’s Car Culture

Iowans take pride in maintaining their cars in good working order. As Iowa is the foremost farming state in the country, Iowans consider their car as a necessary tool.

Pick up trucks are much liked in the Hawkeye State as Chevy Silverado, and Ford F150 are the most sold vehicles.

Minimum Auto Insurance Required in Iowa

According to the Iowa government, it is mandatory to carry auto insurance while driving in Iowa. Failure to carry the minimum mandatory insurance may attract harsh penalties.

Iowa requires you to carry the following liability insurance:

Bodily Injury: You are required to carry a minimum of $20,000 per person per accident for bodily injury and $40,000 for all persons per accident

Property Damage: You are also required to purchase a minimum of $15,000 liability protection per accident against property damage of others

However, it is the MINIMUM liability protection required by the law. In case of an accident, you may end up paying out of pocket.

Expenses in case of an accident can quickly hurt your savings. Therefore, we strongly recommend that you purchase more than the minimum insurance required by the law.

Remember – The liability protection does not cover your own injuries or damages sustained by your property. So, in case of an accident resulting from your fault, you may end up paying all of the expenses out of pocket.

In Iowa, you do not need to carry a physical copy of the proof of insurance. As per Allstate Insurance, a digital copy is sufficient proof of insurance for law enforcement.

Liability protection is designed to protect the third party against damages. E.g., if you failed to stop at a stop sign and rear-end a car, your insurer may cover the damages to the third party up to the coverage limit of your policy.

See this brief video from Allstate to understand liability protection:

However, there may be other ways to show financial responsibility in case of an accident in Iowa. Continue reading to learn more about the options you may have in case of an accident.

In the next section, we will review the various forms of financial responsibility acceptable in Iowa.

Required Forms of Financial Responsibility in Iowa

According to NOLO, if you are not carrying the minimum required insurance in case of an accident, you can still be compliant with the Motor Vehicle Financial and Safety Responsibility Act by opting for any of the following:

• bond or certified deposit of $55,000 posted with Driver & Identification Services
• obtain a legal release from every involved party in an accident
• file an agreement with the third party that you will pay for the damages in installment
• get a decision in a civil suit that excuses you of any liability
• complete a warrant for confession of judgment promising to pay the other parties’ damages on an installment plan
• submit evidence of complete damage settlement

However, it would be more prudent to carry adequate insurance that meets requirements rather than looking to meet the financial responsibility clause to avoid liability. You may have to end up paying all the costs out of pocket.

According to the Iowa DOT, if you do not meet the requirements mentioned in the Motor Vehicle Financial and Safety Responsibility Act, you may attract penalties, including fines and suspension.

Premiums as Percentage of Income in Iowa

Instead of avoiding insurance premium, why not look for discounted rates.

But to do that you need to understand what is the average expenditure for car insurance premium in Iowa.

Understanding the average premium rate will enable you to evaluate your insurance quote.

According to the National Association Of Insurance Commissioners, on average, Iowans spend $683 on full coverage insurance premium annually compared to the national average of $981.

This makes Iowa the second cheapest state in the country for full coverage insurance premium.

Because of the low premium rates, Iowans spend only 1.7 percent of their annual income on full car insurance premium compared to the national average of 2.4 percent.

On average, Iowans spend the least in the country on car insurance. However, these are average numbers and may not reflect the premium applicable for you.

Core Car Insurance Coverage in Iowa

On average, Iowans spend nearly $300 less annually than the national average on full coverage car insurance.

But, what is full coverage car insurance?

Full coverage – Full coverage car insurance includes liability protection along with collision and comprehensive coverage.

Liability and collision coverage is cheaper in Iowa compared to the national average. However, comprehensive coverage in Iowa is slightly more expensive compared to the rest of the states.

Let us learn more about how collision and comprehensive coverage helps you.

Collision and comprehensive coverage are designed to protect you against damage or loss to your vehicle.

Coverage provided to your vehicle can include accidental damage, theft, fire and many more.

Collision coverage – If you cause an accident, your insurance will reimburse the third party for damages. But who pays for the damages your car sustained in the crash?

In the absence of collision coverage, you will have to pay the cost of repair out of pocket.

If your car was totaled, your insurer might pay you the depreciated value of your car minus the policy deductible.

You can watch this brief video by Allstate insurance to learn about collision coverage:

Comprehensive coverage – Comprehensive insurance is designed to protect you against damage or loss to your vehicle for reasons other than driving.

For example, theft.

A comprehensive policy usually includes protection against theft, fire, natural hazards, and more.

See this brief video from Allstate to understand comprehensive insurance:

Tip – Windshield protection is usually covered under comprehensive coverage.

Additional Liability Coverage in Iowa

In addition to collision and comprehensive coverages, you can also supplement the mandatory liability insurance with MedPay and uninsured coverages.

Let us review each of these coverages so that you can decide if you would want to add these to your car insurance.

MedPay

Medical Payments or MedPay is an optional coverage that pays for injuries sustained by you or your passengers in case of an accident. You get the benefit without insurer ascertaining fault.

You can read more about Medical Payments in our FAQ section.

Uninsured / Underinsured Coverage

What happens if someone without adequate insurance hits you. Who would pay for the damage?

The answer is uninsured or underinsured coverage. The coverages are expected to pay for damages caused by an uninsured motorist. With over 8 percent of uninsured drivers in Iowa, it might be prudent to purchase this coverage for complete peace of mind.

If you want to learn more about uninsured coverage, please read the FAQ section.

However, how to determine if insures in Iowa settle such claims.

The answer is, Loss Ratio.

Loss ratio is a metric to understand if an insurer will settle your claim. It is the ratio of payouts compared to premiums earned.

A higher than average loss ratio might indicate that the premium may increase soon. However, a lower than average loss ratio may indicate that the insurer is not efficient in settling such claims.

In Iowa, on average, the loss ratio for both MedPay and Uninsured coverage are lower to the national average. This may indicate that some insurance providers do not settle claims at a rate comparable to the national average.

You should identify a few of the national and other large insurance providers in Iowa and evaluate the individual loss ratio to ascertain a company that provides comparable coverage.

Add-ons, Endorsements, and Riders

Apart from the coverages already mentioned in the article, you may also consider adding the following add-ons and riders depending on your specific requirements.

• Guaranteed Auto Protection (GAP)
• Personal Umbrella Policy (PUP)
• Rental Reimbursement
• Emergency Roadside Assistance
• Mechanical Breakdown Insurance
• Non-Owner Car Insurance
• Modified Car Insurance Coverage
• Classic Car Insurance
• Pay-As-You-Drive or Usage-Based Insurance

Insurance Premium Rates by Gender: Male vs. Female Rates

In Iowa, gender is a factor that insurers consider while determining premium rates.

We partnered with Quadrant Data Solutions to understand the factors impacting the insurance rate. According to the data, males, especially teen males, have a higher insurance premium than females.

However, different insurers value factors differently, and therefore, there is a variety of insurance rates. It is highly advisable that you shop around for the best rates.

Cheapest Rates by Zip Code in Iowa

Zipcodes are also a factor in determining your premium rates. Use the following table to find the average rate applicable to your zip code.

However, these are average figures and may differ from the rate quoted for your specific case.

Cheapest Rates by City in Iowa

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Best Car Insurance Companies in Iowa

By now, you have a fair idea of what coverages are the most relevant for you.

But the critical question is which insurer can you depend on to provide you the peace of mind.

In this section, we will help you understand how to compare different insurers. Primarily, what factors to keep in mind while making the decision.

The obvious solution for many of us is the cheapest insurer. However, there are different factors to consider while making the decision.

Let us review the factors that can help us figure out the best insurance providers in Iowa.

Financial Ratings of the Leading Insurance Companies in Iowa

The first factor to consider while finalizing your insurer is to analyze the financial strength of the insurer.

Of course, most of us may not have the time or the training to analyze the finances of all the insurers. Therefore, we leveraged the financial ratings provided by A.M. Credit Ratings.

A.M Credit Ratings in one of the most reputed credit rating agency in the insurance industry.

A sound financial rating indicates that an insurer has the financial strength to settle future claim obligations.

Customer Satisfaction Ratings of Car Insurance Companies in Iowa

While the financial rating is a good objective metric to analyze an insurer. However, there are other subjective differences between insurers, such as quality of service.

For such subjective assessments such as quality of service, response time, claim settlement process, customer reviews might be the most relevant source of information.

J.D. Power Customer Satisfaction Ratings is the best source to understand customer reviews.

Iowa Car Insurance Companies with the MOST Customer Complaints

Another factor to consider while choosing your insurer is the complaints received against an insurer. Analyzing complaints data will help you understand the service quality of an insurer.

Complaints Ratio – The ratio of complaints received against per 100k policies written. A high complaints ratio might indicate unsatisfactory service quality.

You can file a complaint against your insurer with the Iowa Insurance Division.

Cheapest Car Insurance Companies in Iowa

As per the data from Quadrant Information Services, USAA is the cheapest insurance provider followed up by State Farm.

Premium Rates by Annual Commute in Iowa

Some insurers do give a discount for driving less, whereas some insurers do not differentiate between reasonable annual mileage.

Premium Rates by Coverage Level in Iowa

USAA, State Farm, and Geico are the cheapest insurers in Iowa. However, rates differ by coverage level, and therefore, it is imperative that you shop around for the best premium rate.

Premium Rates by Credit History in Iowa

Your credit history is an important factor in determining your insurance premium rate.

If you have a poor credit score, you can seek quotes from USAA, Geico, Farmers, or Progressive for the most reasonable rates.

Credit Score – According to the State of the Credit Report by Experian, Iowa, with an average credit score of 695, is among the top ten states in the country.

Premium Rates by Driving Record in Iowa

Insurance companies consider your driving record in determining your premium rate.

If you have a DUI conviction or an at-fault accident, your premium rate might increase.

However, it is imperative that shop around for the best rate. E.g., Progressive and State Farm might be the cheapest options for you if you have a DUI conviction.

Largest Car Insurance Companies in Iowa

Number of Insurance Companies in Iowa

Iowa has 73 domestic and 860 foreign property and casualty insurers.

A domestic insurer is based out of Iowa, while a foreign insurer is an out-of-state insurer operating in Iowa.

State Laws in Iowa

Between licensing, driving, and insurance laws, it can get overwhelming. That’s why we have developed this easy-to-understand guide to give you a summary of all the relevant laws that you should know while driving in Iowa.

After all, a clean driving record can earn you safe-driver discounts on your auto insurance.

Do you qualify for a https://www.autoinsuranceez.com/car-insurance-discounts/safe-driver-discount/? Read this article to learn how you can save on your insurance premium.

Car Insurance Laws in Iowa

According to the National Association of Insurance Commissioners, states decide the type of tort rule applicable, the minimum liability insurance required, and also decide on the system of approval for insurers.

In Iowa, the Iowa Insurance Division is the primary regulator of auto insurance.

According to the National Association of Insurance Commissioners, insurers in Iowa can use and file insurance rates with the Iowa Insurance Division.

Windshield Coverage Laws in Iowa

According to carwindshields.info, there is no specific provision on windshield coverage in your insurance policy.

Insurers are allowed to use aftermarket parts equal in kind and quality to the original equipment manufacturer to replace your windshield. You can opt for an OEM part but may have to pay the difference out of pocket.

Comprehensive coverage usually includes windshield coverage.

Please check with your insurer for the exact coverage in your policy.

High-Risk Insurance in Iowa

Remember, we mentioned that a clean driving record helps you get discounts? Well, having a clean driving record is extremely important from another perspective.

If you multiple DUI convictions or at-fault accidents, an insurer can deny you coverage.

What can you do if you an insurer denies you coverage?

Well, luckily in Iowa law, you can get coverage through the Iowa Automobile Insurance Plan (IAAIP).

IAAIP is a high-risk insurance plan that would assign you to an insurer based on a quota.

The coverage and options available to you remain the same. However, the premium will be expensive compared to similar coverage in the voluntary market.

Your coverage will last three years during which time you can improve your driving record and move out of IAAIP.

You would also have to satisfy a few conditions to qualify for IAAIP.

• You should have a valid driver’s license
• A car registered in Iowa
• Able to prove that you searched for insurance for at least 60 days
• No outstanding payment on previous auto insurance

Low-Cost Insurance in Iowa

Iowa does not have a specific Low-Cost insurance plan. You are encouraged to shop around for the cheapest insurance premium that fits your requirements.

You can save on your premium by following these steps:

Auto Insurance Fraud in Iowa

Committing an auto insurance fraud is considered a crime in Iowa. You can be fined and jailed for committing fraud.

Here are the broad types of insurance fraud:

Auto insurance fraud is not only expensive for the companies but also for the users as premium rates increase on account of insurance fraud.

Therefore, we should report any auto insurance fraud that we may face or observe.

You can report auto insurance fraud by filing up an online reporting form.

You can reach out to the Iowa Insurance Division’s Fraud Bureau at the following address:

Iowa Insurance Fraud Bureau
601 Locust, 4th Floor
Des Moines, IA 50309-3738
Phone: 515-242-5304
FAX: 515-242-5303
E-Mail: [email protected]

Remember, the penalties are harsh if you commit auto insurance fraud:

Statute of Limitations in Iowa

As per the Iowa state law, the statute of limitations in Iowa is two years for personal injury and five years for property damage.

What is the statute of limitation?

It is the time after an accident until which you can file a claim against a third party for injury or property damage.

Vehicle Licensing Laws in Iowa

Is your driver’s license expiring soon? Or, are you moving to Iowa and looking to understand how to get an Iowa driver’s license?

We aim to answer these questions along with a lot of relevant information to licensing laws in The Hawkeye State.

First, please remember driving without a valid driver’s license is illegal, and you can be fined or jailed for the offense.

REAL ID implementation in Iowa

Congress passed the REAL ID Act that sets the requirement for a federally acceptable identification document that you will require to board a domestic flight or federal facilities.

As per the Iowa Department of Transportation, beginning Oct. 1, 2020, you will not be able to enter a federal facility or board a domestic flight without a REAL ID-compliant identification document.

However, according to the Transportation Security Administration, there are different acceptable forms of REAL ID-compliant identification document. You can board a domestic flight or enter the federal facility with any of the following:

• Driver’s licenses or other state photo identity cards issued by Department of Motor Vehicles (or equivalent)
• U.S. passport
• U.S. passport card
• DHS trusted traveler cards (Global Entry, NEXUS, SENTRI, FAST)
• U.S. Department of Defense ID, including IDs issued to dependents
• Permanent resident card
• Border crossing card
• DHS-designated enhanced driver’s license
• Federally recognized, tribal-issued photo ID
• HSPD-12 PIV card
• Foreign government-issued passport
• Canadian provincial driver’s license or Indian and Northern Affairs Canada card
• Transportation worker identification credential
• U.S. Citizenship and Immigration Services Employment Authorization Card (I-766)
• U.S. Merchant Mariner Credential

However, if you are up for renewal or moving into Iowa, it would be prudent for you to apply for a REAL ID-compliant driver’s license.

You can apply with the Iowa Department of Transportation, and the fee will be identical to a standard license.

If you decide to apply for a REAL ID driver’s license, you will have to visit a nearby Department of Transportation Service Center. Online applications for REAL ID are not acceptable in Iowa.

Penalties for Driving Without Insurance in Iowa

According to the Iowa Financial and Safety Responsibility Act, you are required to show the required forms of financial responsibility in case of an accident.

The DOT can suspend your license and registration if you are unable to show them that you have adequate financial coverage.

Moreover, causing an accident while driving with no insurance coverage can have serious financial consequences for you.

You will have to pay out of pocket for all the damages. Additionally, you will have to sign an agreement with all the parties involved in the accident, and also submit proof that you met your obligation.

Don’t make the mistake of driving without insurance. Use our easy and FREE to use tool to compare automobile quotes. Just enter your zip code to start.

Teen Driving Laws in Iowa

Like other states, Iowa also allows for a multi-stage licensing process for teen drivers.

According to the IowaDOT, a teen can apply for an instruction permit at the age of 14 and pass a written and vision test.

The next stage is the intermediate driver’s license for which a teen can apply for at the age of 16.

To successfully obtain the intermediate driver’s license, the teen must have held the instruction permit for a minimum of 12 months and keep a clean driving record.

The teen must also complete an IowaDOT-approved driver education course and complete 20 hours of supervised driving that includes a minimum of two hours of nighttime driving experience.

A teen can apply for a full driver’s license at the age of 17 if she or he has maintained a clean driving record.

License Renewal Procedure in Iowa

According to the Iowa Department of Transportation, if you are under the age of 66, you can get a license with an eight-year validity.

You can renew your driver license online by visiting the Department of Transportation website. However, if you want to get a REAL ID-compliant driver’s license, you will have to visit a DOT service center near you.

New Resident Licensing Procedure on Iowa

As per the Iowa DOT, if you can exchange a valid out-of-state driver’s license with an Iowa driver’s license by passing a vision test and paying the licensing fees.

Rules of the Road in Iowa

Knowing the rules of the road is critical as it not only keeps you and others safe but also helps you keep a clean driving road.

A clean driving record can mean discounts on your auto insurance premium.

So let us quickly review the relevant rules and regulations for Iowa.

Fault vs. No-Fault

Iowa is an at-fault state. Therefore in Iowa, the at-fault driver is responsible for paying for any damage or injury to the third party.

Therefore it is vital that you purchase adequate auto insurance; otherwise, an at-fault accident can have serious financial consequences.

Seat belt and Car Seat Laws in Iowa

In case of a crash, https://www.michigan.gov/difs/0,5269,7-303-13648_60666_77606-391035–,00.html are known to be critical in passenger safety.

According to the Insurance Institute for Highway Safety (IIHS), driver and front-seat passengers of age 18 years and older should wear seat belts.

The rule can attract primary enforcement by the police and attract a $25 fine.

Primary enforcement – primary enforcement of seat belt law means that the police can stop and fine you for not wearing a seat belt.

We all want our children to be safe. Here are a few tips on how to install an infant car seat:

For children below the age of one or weighing less than 20 pounds should be in a rear-facing child restraint seat. For children between one and five should be in a child restraint or a booster seat.

Children between the age of six and 17 can use the adult seat belts.

However, it is the responsibility of the driver to fasten children before driving.

Keep Right and Move Over Laws in Iowa

According to the Iowa Department of Transportation, you should move over to an empty lane or slow down for stopped emergency or maintenance vehicles when the flashing lights are switched on.

Speed Limits in Iowa

These are indicative speed limits. Please adhere to the road signs for the specified speed limits.

Ridesharing Laws in Iowa

Iowa passed legislation in 2016, regulating the ridesharing industry in the state.

According to the legislation, your personal car insurance is not in effect when you are driving for rideshare providers.

When you are driving for the ridesharing company, the company should provide insurance coverage. The bodily injury liability coverage of the company policy should be of at least one million dollars.

Automation on the Road in Iowa

University of Iowa’s National Advanced Driving Simulator tests automated vehicles for deployment. The facility is only one of 10 such testing facilities in the country.

In April 2019, Iowa’s Senate approved a bill regulating autonomous vehicles on the roads.

According to the legislation, the automated vehicles will be required to follow the current motor vehicles laws, and vehicles owners are required to have adequate liability insurance.

Safety Laws in Iowa

Iowa has stiff laws to discourage reckless and intoxicated driving on the roads. After all, no one wants a reckless driver endangering the lives of others.

Let us review the significant safety laws in Iowa.

DUI Laws in Iowa

According to Responsibility.org, there were 88 alcohol-related driving fatalities in 2017 in Iowa.

Possibly due to the stiff penalties in place, the fatality rate due to DUI in Iowa is low compared to the national average.

Let us look the penalties associated with DUI offense in Iowa:

The lookback period for DUI offense in Iowa is 12 years.

According to responsibility.org, lookout period is the length of time in which any repeated offense is counted as subsequent offense and attracts harsher penalties.

Marijuana-Impaired Driving Laws in Iowa

As per responsibility.org, Iowa has a zero-tolerance policy for THC impaired driving. Any THC related offense will attract similar punishments under the DUI law.

However, here is the most alarming part of ‘cannabis’ usage:

Even if you have used marijuana week before, police can still charge you for DUI using a urine test.

Why?

Because marijuana remains in your system long after you used it, therefore, even though you were not high, but police can still book you for DUI.

Therefore, do not drive under the influence of marijuana!

Distracted Driving Laws in Iowa

While the usage of electronics has recently become all-pervasive in our lives. However, we should avoid using our cellphones while driving for everyone’s safety.

Statistically, 64 percent of all car accidents in the country involve cell phone usage.

While it is illegal to text while driving for all drivers, it is acceptable for adult drivers to use handheld devices.

Driving in Iowa

Insurers also consider external factors such as vehicle theft, fatalities, and traffic congestion in your neighborhood to determine your premium rate.

Let us review these factors for Iowa.

Vehicle Theft in Iowa

As per the National Insurance Crime Bureau, Chevrolet Pickup is the most stolen car in Iowa. In 2016, a total of 265 Chevrolet Pickups were stolen in state and the most stolen model year for the car was 2005.

You can refer to the city-wise car theft data from the FBI::

Road Fatalities in Iowa

Road fatalities are an important factor in determining premium rates. Let us review the fatality rates and causes in Iowa.

Fatal Crashes by Weather Condition and Light Condition in Iowa

Fatalities (All Crashes) by County in Iowa

In the following table, you can search for the number of fatalities in your county. According to the National Highway Traffic Safety Administration, Polk County saw the most number of fatalities in 2017.

Fatalities by Road Type in Iowa

As per the National Highway Traffic Safety Administration Crash Report, rural roads in Iowa are more dangerous than its urban counterparts.

Fatalities by Person Type in Iowa

Fatalities by Crash Type in Iowa

Five-Year Fatality Trend for the top ten Counties in Iowa

As per the National Highway Traffic Safety Administration Crash Report, Polk County has seen the highest number of traffic fatalities in the last five years.

Fatalities Involving Speeding by County in Iowa

Fatalities in Crashes Involving an Alcohol-Impaired Driver (BAC=.08+) by County in Iowa

Teen Drinking and Driving in Iowa

Drunk driving can be fatal, especially for teen drivers. As per the Federal Bureau of Investigations (FBI), law enforcement arrested 71 teens in 2016 for DUI.

Consequent of the stern action, we see that Iowa has a lower teen DUI fatality rate than the national average. As per Responsibility.org, Iowa has a teen DUI fatality rate of 0.8 per 100,000, whereas the national average is 1.2.

EMS Response Time in Iowa

As per the National Highway Traffic Safety Administration (NHTSA), EMS response time in Iowa is faster than the national average.

Transportation in Iowa

As per the data from datausa.io, an average Iowan drives alone to work and spends less time in commute.

Car Ownership in Iowa

As per datausa.io, an average Iowan household owns two cars.

Commute Time in Iowa

On average, commuters in Iowa spend only 18.4 minutes on their daily commute compared to 25.5 minutes of commute for their national counterparts.

The super commute time is also substantially lower in Iowa compared to the national average.

Commuter Transportation in Iowa

More than 81 percent of commuters in Iowa prefer to drive alone to work compared to the national average of 76 percent.

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FAQs

– What is liability insurance?

Liability insurance compensates the third party for damages and injuries in case you were at fault. Read the article below to understand the bit more on liability insurance.

For example, if you hit another driver and they sustain an injury or their car is damaged, your liability insurance would compensate them for their damages up to your policy limit.

Remember – The liability insurance only covers the third party for damages and injuries. It does not cover the damage or injury sustained by you in case of an accident. 

– What is full coverage insurance?

Full coverage insurance includes the various mandatory and optional coverages that help you safeguard against financial injury. Full coverage offered by major providers includes bodily injury, property damage, uninsured motorist, PIP, collision, and comprehensive.

– What is Medical Payment Coverage?

Medical Payments is an optional coverage that can pay for your injuries in case of an accident. It can work in sync with your health insurance and help offset the deductibles.

– What is uninsured/underinsured Coverage?

What if you are hit by a driver who is not insured or inadequately insured. Who will compensate you for the damages?

Uninsured/underinsured coverage is designed to protect you in case you are hit by an illegal driver.

– What is the difference at-fault and no-fault car insurance?

Do you know the difference between no-fault and at-fault insurance? How would it change your insurance policy? Read our coverage on Fault vs. No-Fault Auto Insurance Laws to learn more.