Urbandale Office (515) 334-5286   
Polk City Office (515) 984-9090

Cupp Insurance

Over 70 years of experience serving Des Moines, Urbandale, and Ankeny. Let us shop for you.

Start With a Free Custom Quote

What You Get

Liability Package

  • Liability to Others (per person/per accident total)
  • Property damage Limit
  • Uninsured Motorist Coverage
  • Under Insured Motorist Coverage
  • Medical Payments
  • Optional
  • Roadside Assistance

Physical Damage Package

  • Liability to Others
  • Property Damage Limit
  • Uninsured Motorist Coverage
  • Underinsured Motorist Coverage
  • Medical Payments
  • Plus

  • Comprehensive Coverage (Physical damage deductible applies)
  • Collision (Physical Damage Deductible Applies)


  • Roadside Assistance
  • Rental Reimbursement
  • Full Glass Coverage
  • GAP Coverage
  • Custom Equipment Coverage

Frequently Asked Questions

What is Car Insurance?

Car insurance helps you cover the cost of damage, injuries and other expenses related to an accident or other auto incident. It is not designed for you to come out ahead financially but rather it is designed to make you “whole again” and keep you from major financial hardships due to an accident, regardless of fault. State law requires all drivers carry liability insurance which covers the other party’s injuries and property. You may also purchase physical damage coverage which covers your own vehicle when involved in a covered incident.

What is liability coverage?

Liability insurance is required by state law and is the coverage that pays for the property damage and injuries to the other party when you are at fault in an accident.

What is a deductible?

A deductible is coverage you should carry when you want damages to your own vehicle to be covered in the event of an accident. The deductible is the portion of the damage you are responsible for to repair your vehicle after an accident. If you have a $500 deductible on your policy and an accident causes $5000 in damage to your vehicle. You would pay $500 and the insurance company would pay the remaining $4500. The higher the deductible on your policy, the lower the insurance cost.

Will getting a speeding ticket affect my rate?

Yes. Getting a speeding ticket or other moving violation will increase your rate. Accidents will also increase your insurance rates. Most companies will surcharge your policy for tickets and accidents for 3 years.

When do I need to add my child to my auto insurance?

Most companies require a youthful driver be added to an auto insurance policy once they are legal to be in the car driving by themselves. In the state of Iowa, this would be when they get a school permit or their 16-yr old license. Some carriers may have different requirements than this so you should contact your agent/carrier to find out when they require a youthful driver be added.

Does auto insurance cover repairs to my vehicle when it breaks down or needs service work done?

Car insurance does not cover repairs that result from regular wear and tear or general maintenance issues. Auto insurance will only covers repairs related to a covered incident.

Will my auto insurance cover me when I rent a vehicle?

Most companies will extend coverage to a rental car and provide you the same coverage as if you were driving your own vehicle. There are, however, likely some coverage gaps and depending on where you are renting the vehicle, you may not have coverage. You should contact your agent/carrier for details on how your policy handles coverage for a car you rent.

How can I lower my auto insurance costs?
  1. Keep your driving record clean – Tickets and accidents on your driving record mean increased insurance costs
  2. Raise your deductibles or remove physical damage coverage from older vehicles – The higher the deductible the lower the insurance cost. It might make financial sense to change to liability coverage on an older vehicle.
  3. Package your auto and home insurance with the same carrier – Most carriers offer 15-25% discounts on both policies if you have your home and auto insurance with the same carrier.
  4. Compare insurance costs before buying a new vehicle – Insurance costs can vary dramatically between different types of vehicles.
  5. Take advantage of telematics – More and more companies are offering potentially large discounts for drivers who are willing to use an app or device to monitor driving habits such as time of day you are driving, accelerating and breaking habits, and distance driven.
  6. Shop Around – Independent agents like Cupp Insurance have contracts with several carriers and can shop them all to find the policy and price that are right for you.

Our Customers

We were looking for an insurance company that really understood our needs. Jeff met with us and asked the questions to get a better understanding of what we were looking for and took the time to point out coverage that would benefit us the most. Cupp Insurance went above and beyond to take care of our needs in a timely manner! Great Job Team Cupp!

—  Gwen K, Customer since 2019

​You all are all about customer service. It’s nice to have everyone being on the same page and knowing us personally to know our business truly does matter and we’re not just another number. And whenever there is a chance to save us money, you guys always keep us in the loop to get us the best deal possible. It’s reassuring to know we’re in good hands and why we do all our business through Cupp Insurance.

—  Jamie M, customer since 2012

Anytime we have a change or an update to our insurance policy I can easily send an email, make a quick phone call, and my updates are quickly made. I never have to worry as I know Cupp Insurance has taken very good care of us.

—  Brenda G, customer since 2017