Aussie Agencies

1249 W Larson Sr, Suite A
Knoxville, IA 50138

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Auto Insurance in Iowa


From Davenport to Sioux City, Iowa has thousands of miles of roadways. Iowa’s roads are used by around 2.1 million licensed drivers daily who travel about 10,000 miles per year. During those countless trips, drivers are involved in thousands of accidents, some of which result in death or severe injury. Wherever you live in the state, having car insurance is a legal requirement and a sensible protection option.

Iowa State Auto Insurance Minimums

Iowa requires you to carry a minimum policy of auto insurance, and failure to follow the law results in severe penalties that could include jail time and fines. The Iowa tort system could cause you to be liable for property damage, medical costs, emotional and physical pain and suffering, and economic damages such as lost wages. To protect against these liabilities, you must carry bodily injury per person per accident, bodily injury for all persons in the accident, and uninsured/underinsured motorist coverage. The law does not require additional coverage like collision, comprehensive, and personal liability, but it is always advisable to include these in your policy.

Factors for Premiums and Discounts

Regulated by the Iowa Insurance Division, insurance companies can charge premiums but also award discounts based on the following factors:

  • Age
  • Car type to be insured
  • Driving miles
  • Driving record
  • Gender
  • Geographic location
  • If the automobile is being used for business
  • Length of time driving
  • Marital status
  • Previous coverage

Also, some insurance companies consider your credit history as an additional factor to determine the premium. Their thought process is that the better your credit, the more responsible of a driver you are, so there is a lower chance of an accident occurring.

If you are searching for reliable automobile coverage, consider Aussie Agencies in Knoxville, IA. Our professional staff at Aussie Agencies is here to work with you to find the most affordable policy limits to protect you in case of an accident financially. Call us to or stop by our office in Knoxville, IA to discuss the available options for your automobile!

Our Partners


  • American Specialty Express
  • Bristol West
  • CNA
  • Danish Mutual
  • Foremost
  • Grinnell Mutual
  • Hagertys
  • Hiscox
  • Kemper
  • K & K
  • Liberty Mutual Commercial
  • Marion County Mutual
  • MetLife
  • MFS Mutual Ins.Co.
  • Progressive
  • RPS
  • Safeco
  • State Auto
  • Stillwater
  • Travelers