Rental Car Insurance in Iowa: Coverage and Cost

Are you planning a trip to Iowa and renting a car? You might be wondering: what kind of rental car insurance coverage do I need, and how much should it cost me?  Let's dive into the world of rental car insurance in Iowa and help you navigate through the options with ease.

Discover the Rich Heritage of Iowa

Before we delve into rental car insurance, let's take a moment to appreciate Iowa's fascinating heritage. Originally a part of French and Spanish Louisiana, Iowa became a prominent agricultural hub after the ‘Louisiana Purchase’ in 1803, which was when the US acquired a large tract of land from France. Back then, what was to become Iowa relied entirely on agriculture for the well-being of its people, and led to the state being dubbed the Heart of the Corn Belt. Initiatives implemented in the second half of the 20th century saw Iowa's economy transformed into the diverse, multi-faceted 21st century success it is today.

Image: Des Moines Night Skyline: Shimo BY Public Domain (Wiki)

Risk Profile Increases While Driving Rental Cars

When you get behind the wheel of your rental vehicle the odds of an incident occurring are higher than normal. This is down to unfamiliar vehicle operation, strange roads and different driving standards. One momentary lapse of concentration is all it takes for you to discover the importance of rental car insurance Iowa. If you have it, you’re covered, if you don’t, you’ll be at the mercy of your rental car company.

Understanding Rental Car Insurance in Iowa 

Rental car insurance is a form of coverage that protects you financially should something happen while driving a rental car. It can include collision damage coverage, liability coverage, and personal accident insurance, among other forms of protection. 

In the state of Iowa, rental car insurance is not legally required, but it is highly recommended. The state minimum liability coverage in Iowa is as follows: 

$20,000 for bodily injury or death of one person in a single accident; 

$40,000 for bodily injury or death of two or more persons in a single accident; and 

$15,000 for injury or damage to others' property in a single accident

Rental car companies in Iowa are mandated to provide the minimum state-required liability insurance coverage. However, you’ll notice that this would not include damage to your own rental car or if you’re at fault, the costs from your own injuries.  

Without coverage, you may be responsible for paying out-of-pocket for damages and injuries in the event of an accident. 

Rental car insurance can offer peace of mind while you are on the road and ensure that you do not face any unexpected financial burdens. So if you plan on renting a car and driving in Iowa, remember to add rental car insurance to your list of must-haves.

Rental Car Insurance Coverage Options

Now that you’re aware of Iowa state liability requirements, it’s essential to know your options for rental car insurance.

There are various types of rental car insurance options available such as primary damage cover, collision damage waiver (CDW) or loss damage waiver (LDW), supplemental liability coverage, personal accident insurance (PAI), and personal effects coverage. Note that we’ve made a distinction between primary damage cover and collision damage waiver (CDW) because the latter technically ins’t insurance. 

Primary Damage Cover Vs. Collision Damage Waiver (CDW)

Primary damage cover is a type of insurance that covers any damages caused to the rental vehicle, regardless of who is at fault. It provides a certain level of protection against accidents, theft, or vandalism. On the other hand, CDW is not technically insurance but an agreement that waives the financial responsibility for any damages incurred during the rental period.

Primary damage cover offers peace of mind by ensuring that you won't be responsible for paying out-of-pocket expenses if something happens to the rental car. In case of an accident or theft, this coverage will take care of most or all repair costs, depending on your policy's limits. It may also include coverage for loss of use fees and administrative charges that could arise from the damaged vehicle being taken off the road temporarily.

Collision damage waiver, although not classified as insurance per se, is an option offered by rental companies that allows you to decline any responsibility in case of damages to the rented vehicle. CDW typically has some exclusions and deductibles based on specific scenarios stated in the rental agreement. While it can significantly reduce your financial liability after an incident, it doesn't usually cover additional expenses such as loss of use fees or administrative costs resulting from an accident.

Supplemental Liability for Rental Car

Meanwhile, supplemental liability insurance is an additional coverage option that you might consider when renting a car. This type of insurance provides you with extra protection in case you cause an accident and are held responsible for any injuries or property damage. 

Getting supplemental liability coverage is a good idea considering that rental car companies only provide you with the state-mandated minimum. By opting for supplemental liability insurance, you can have peace of mind knowing that you have additional financial protection. 

This means that if the damages resulting from an accident exceed the rental company's provided liability coverage, your supplemental policy will kick in to cover the excess costs. It can save you from potential financial burdens and legal consequences that could arise if you were involved in a major accident.

Furthermore, having this extra coverage can also alleviate concerns about potential lawsuits resulting from accidents. If someone decides to take legal action against you due to injuries or property damage inflicted by the rental vehicle, your supplemental liability insurance will typically provide legal defense as well.

Personal Accident and Personal Effects Insurance

PAI provides coverage for medical expenses and accidental death or disability resulting from an accident while driving the rental car. It acts as a supplement to your existing health insurance. Additionally, personal effects insurance covers any theft or damage to your personal belongings within the rental car.

PAI usually covers medical expenses up to a certain limit, allowing you to seek necessary treatment without worrying about the financial burden. In case of accidental death or permanent disability, it offers a lump-sum payout that can provide vital support during difficult times. This coverage extends not only to the driver but also to passengers in the rental vehicle.

On the other hand, personal effects insurance safeguards your belongings from loss due to theft or damage caused by accidents or natural disasters while they are in the rented vehicle. This can include items such as laptops, cameras, mobile phones, or even clothing and valuable accessories.

While these insurances may incur additional costs when renting a car, they offer peace of mind knowing that you are protected against unexpected situations. 

Rental Car Insurance Cost in Iowa

Many rental car companies offer their own insurance policy, but it's not always clear how much it costs. When you rent your vehicle from Hertz, for instance, the cost of CDW/LDW is already built into the rental car price. 

Without explicitly stating how much these insurance policies cost, rental companies create an aura of uncertainty for renters. Hence, individuals may not have a clear understanding of what portion of their total payment pertains to this coverage.

Although bundled insurance provides convenience by eliminating the need for additional research and purchases, it is important for renters to comprehend the associated costs. This transparency allows customers to make an informed decision about whether they should opt for rental company insurance or explore other alternatives. You can learn more about rental car insurance costs in our previous post.  

To avoid surprise charges and ensure full comprehension of expenses involved in renting a car from Hertz or any other company offering bundled insurance, customers should inquire about a breakdown of costs with a representative prior to finalizing their reservation.

Discover Bonzah's Affordable Rental Car Insurance 

Now, let's talk about Bonzah.com – your go-to destination for affordable rental car insurance. 

Over the last five years, the team behind Bonzah.com has sold rental car damage insurance in several markets, including the USA. We provide travelers with an affordable and convenient protection alternative to expensive (and limited) over-the-counter offerings from rental car companies. We call it rental car insurance Iowa because we tailor our products to each state. Isn’t it reassuring to know that Bonzah conforms to the different local licensing requirements relevant in each case?

Bonzah provides comprehensive coverage tailored to each state, including Iowa. With our offerings, you can enjoy peace of mind knowing you're protected on the road without breaking the bank. Starting at just $21.95 a day, Bonzah's rental car insurance plans ensure you're covered for damages, liability, and more. Don't leave your rental car experience to chance – get insured with Bonzah and drive with confidence.

Des Moines is Bonzah.com Territory 

No surprise then that Iowa is one of the safest states in which to live, perhaps thanks to its nickname, the Hawkeye State. Des Moines is Iowa’s capital and largest city, and home base to Bonzah.com, the trading name of Pablow, Inc. The good news is we have approval to trade, and hold cover by insurance licensing in all 50 states, and Washington D.C. Together with our sister operation Pteet.com, we are, the only entities to hold this concession in all states.

Embrace Iowa's Beauty, Stay Protected with Bonzah

Iowa offers stunning landscapes and captivating experiences. Whether you're exploring Des Moines or immersing yourself in Iowa's natural wonders, don't forget to protect yourself and your wallet from unexpected accidents. Click here to learn more about Bonzah's rental car insurance offers. Choose the plan that suits your needs, purchase it before you embark on your journey, and drive off in your rental car with confidence, knowing you're fully covered with zero deductibles.

Enjoy the ride and the enchanting beauty of Iowa, all while staying protected with Bonzah's reliable rental car insurance!