About Us

    We are a full-service insurance agency that gives you the peace of mind you deserve. Our services span from Auto, Home, Recreational Vehicles, Water Sports, Commercial Business, General Liability, Professional Liability, Transportation, Workers Comp, Farm and Crop Insurance. We also have markets for specialty products. Our office locations include Sigourney, Kalona, and Fairfield, Iowa. We can find a solution for any individual, family, or business to put you on the path to exceed your goals! View all of our services for more in-depth descriptions on the insurance provided.

    The experts at Century Insurance are licensed in 14 states and expanding, so please contact us to meet your insurance needs and exceed your expectations.


    Century Insurance was an absolute delight to work with when we signed up for our home owners insurance. We were so impressed with their professionalism and the service that Century offers we switched all of our insurance with them. Century is smart, easy to work with and goes above and beyond to find the best coverage for you and your family at an affordable rate.

    Kasi C.

    Very willing to go above and beyond for people!

    Candi H.

    Gary and his team at Century Insurance have been wonderful to work with! Not only do I get great service with him and his company but I also get great coverage at a great price. They walked through the policies to make sure I had adequate coverage and thoroughly answered any questions I had. Gary is an excellent insurance agent and I would highly recommend Century for all of your insurance needs!

    Hayley H.

    Car Insurance Iowa City


    Types of Car Insurance You May Want to Consider

    Finding an auto policy for your vehicle can seem like a shot in the dark to many people. That’s because there are so many options available. Thankfully, the best car insurance Iowa City, Iowa has to offer can help. Read through these unique policy options to see what your insurer has to offer. And make sure to choose the options that work the best for your overall needs. Doing so can save you a lot of cash

    Basic Liability Options

    When you’re seeking out car insurance for your needs, you need to get a few different types of liability policies. For example, bodily injury liability helps to cover injuries to other people with whom you may get into an accident. It also stretches to people who may be riding in your car or those who drive your car while you are not in it. This policy is an excellent choice for those who travel a lot or who lend their car out to others.
    Beyond this option, you should also consider property damage liability. This coverage will go into play if you cause any property damage during a crash. This does not cover your personal property, though you can get collision coverage to manage these costs. Expect to get coverage of anywhere from $10,000 to $25,000 or so. You may need to upgrade your policy depending on where you live and what kind of car you drive.

    Uninsured and Underinsured Coverage

    When you’re on the road, there are a large number of people sharing it who don’t have an insurance policy. Or they may not have an excellent plan that leaves you in a problematic place if they cause a car accident. However, if you get this type of coverage, you are protected. That’s because it will pay for medical costs and property damage caused by a driver with inadequate insurance.
    Talk to your provider to learn more about whether or not they package these deals together or prefer you to buy separate options. If buying individual plans for each, you need to make sure that they have the same amount of coverage. Thankfully, most insurance companies try to balance these options reasonably. Try to adjust your premiums and deductibles as needed to get the best results.

    Protection on Your Vehicle

    It may seem obvious, but you should find the car insurance that covers your vehicle as much as possible. You might be surprised to learn that this policy type is usually not mandated by state law. That’s because they are more concerned about the damage caused by others and not types that may occur to the vehicle of those who cause damage. In this situation, you need vehicle protection.
    For example, collision coverage will pay for fixing your car in an accident. This type was briefly discussed earlier. However, we failed to mention that it will also help manage damage from issues such as potholes and other types of road damage. However, you should get comprehensive coverage to protect against damage not caused by collisions, such as fires, earthquakes, and glass breakage. If you can afford it, this type is your best plan option.

    Medical Payments Coverage

    Any car accident is likely to cause some physical injury to either you or others in your vehicle. Medical payments coverage, or MPC, plans can help you out here. These car insurance plans will cover medical payments, lost wages, and funeral costs for those who are injured in your car while you drive. You will typically be included with this type of insurance, though you may not need it if your health insurance covers auto accidents.
    This policy option is also suitable for covering incidents when you get hurt. For example, it should include you if you are a pedestrian struck by a driver and injured. Again, you should check your health insurance to make sure that there isn’t a conflict in policies. Most of the time, you should be able to pick the full level of coverage that you want on your vehicle and which types of injury it covers for your needs.

    Excess Medical Payments

    All personal injury protection liability plans provide protection and coverage in a broad array of different medical expenses. However, these plans – like all coverage – have limitations on how much they will pay. Therefore, you may want to get excess medical coverage if you are worried about paying out of your pocket. This protection may help in many situations.
    For example, if you are driving a car full of people, and each person gets hurt, excess medical payments can help by giving you extra fees. You may also need to get this type of policy if you transport a large number of people as part of your business. Make sure to read through the limitations on each plan to get a better idea of what to expect and how much you will pay for this total care option.

    Gap Insurance Policies

    Lastly, you may want to consider gap car insurance options if you own an expensive car and want to make sure that you don’t end up unable to pay for repairs or replacement. Typically, this type of policy kicks in when you’ve totaled your car and need to replace it. In a sense, it will pay the difference between what the car is actually worth and the money that you still owe on it.
    This gap policy is critical because your car will start losing value the moment that you start driving it. As a result, your loan may be higher than the value of your car when you crash, making it very hard to get a replacement. Thankfully, gap policies will kick in and cover the difference. In this way, you don’t lose out too much financially trying to get the vehicle that you want after an accident.

    Let Us Help You Out

    As you can see, your Iowa City, Iowa car insurance options are very diverse. Therefore, you need to make sure that you contact us at Century Insurance to learn more. We can help you find policies that work the best for your needs. Then, we will do what we can to ensure that you don’t pay too much. Our goal is to give you the high-quality help you need to keep your car protected as much as possible.