State Street Insurance, Inc.

State Street Insurance, Inc. We are a Trusted Choice Independent Insurance agency representing several property and casualty insurance companies writing personal, business and farm ins

We are a locally owned independent insurance agency providing Guthrie Center, it's surrounding communities, and many areas throughout the state of Iowa with auto, home, farm, and business insurance coverage. The companies we represent are Nationwide, Allied Insurance, The IMT Group, EMC Insurance, Progressive, Farmers Mutual Fire Insurance Association of Guthrie County and many others. CALL US FOR A FREE COMPARISON QUOTE TODAY!

Never underestimate the power of storms!  Take warnings seriously!
08/08/2026

Never underestimate the power of storms! Take warnings seriously!

A tree branch was driven directly through the siding of a building in Tripoli, Iowa, during the severe thunderstorms that rolled through the area Friday afternoon.

The photo is a striking example of the damage these storms were capable of producing as strong winds moved through portions of Iowa.

๐Ÿ“ธ Photo Credit: Andy Mildenstein

07/14/2026

We will be closed Monday, July 20 when RAGBRAI comes to town. Normal hours resume on Tuesday. ๐Ÿšดโ€โ™‚๏ธ

An important read if you have any of these items or are thinking of purchasing any of themโ€ฆ
07/08/2026

An important read if you have any of these items or are thinking of purchasing any of themโ€ฆ

๐Ÿšฒ ๐ˆ๐จ๐ฐ๐š ๐„-๐›๐ข๐ค๐ž ๐‹๐š๐ฐ: ๐–๐ก๐š๐ญ ๐๐š๐ซ๐ž๐ง๐ญ๐ฌ ๐š๐ง๐ ๐‘๐ข๐๐ž๐ซ๐ฌ ๐๐ž๐ž๐ ๐ญ๐จ ๐Š๐ง๐จ๐ฐ

We have received some questions and concerns about E-bikes and other motorized devices being used around Tama County, especially by younger riders.

We want to help clear up what Iowa law allows, what it does not, and why it matters.

Not every electric device is a legal E-bike. Some devices may look like E-bikes, but under Iowa law they may actually fall into a different category, such as a motorized bicycle, motorcycle, or another type of motor vehicle.

Under Iowa Code ยง 321.1(36A) and ยง 321.235B, a legal low speed electric bicycle must meet certain requirements.

To qualify as a legal E-bike under Iowa law, the device must:

โ€ข Have a seat or saddle
โ€ข Have two or three wheels
โ€ข Have fully operable pedals
โ€ข Have an electric motor of less than 750 watts
โ€ข Fit into Class 1, Class 2, or Class 3
โ€ข Have a permanent label from the manufacturer or distributor showing the class, top assisted speed, and motor wattage
โ€ข Be designed so the motor assist stops when the rider stops pedaling, applies the brakes, or disengages the motor
โ€ข Have a working speedometer if it is a Class 3 E-bike

Iowa law recognizes three classes of legal E-bikes:

Class 1: The motor only helps while the rider is pedaling. The motor assist stops at 20 mph.
Class 2: The motor can move the bike without pedaling. The motor assist stops at 20 mph.
Class 3: The motor only helps while the rider is pedaling. The motor assist stops at 28 mph.

A person under age 16 may not operate a Class 3 E-bike.

๐๐š๐ซ๐ž๐ง๐ญ๐ฌ: ๐€ ๐’๐ข๐ฆ๐ฉ๐ฅ๐ž ๐๐ฎ๐ฒ๐ข๐ง๐  ๐†๐ฎ๐ข๐๐ž

Before buying an E-bike for your child, here are a few simple things to check.

A legal E-bike should have:
โ€ข Real working pedals
โ€ข A motor of less than 750 watts
โ€ข A label showing Class 1, Class 2, or Class 3
โ€ข A listed top assisted speed of 20 mph for Class 1 or Class 2, or 28 mph for Class 3
โ€ข A motor that cuts off as required by law
โ€ข A bicycle style design, not something built to operate like a small motorcycle

Be cautious if the device:
โ€ข Has no pedals
โ€ข Has pedals that are only there for looks
โ€ข Has a motor of 750 watts or more
โ€ข Is advertised as a dirt bike, pit bike, mini bike, or electric motorcycle
โ€ข Goes faster than the legal E-bike limits
โ€ข Does not have a class label showing wattage and top assisted speed

A simple rule for parents is this:

If it does not have real working pedals, does not have the proper label, or is built to run like a small motorcycle, do more checking before buying it.

Just because a product can be purchased does not mean it is legal for a child to ride on streets, sidewalks, trails, parks, or other public areas.

๐–๐ก๐š๐ญ ๐š ๐‹๐ž๐ ๐š๐ฅ ๐„-๐›๐ข๐ค๐ž ๐Œ๐ž๐š๐ง๐ฌ ๐”๐ง๐๐ž๐ซ ๐ˆ๐จ๐ฐ๐š ๐‹๐š๐ฐ

If a device meets Iowaโ€™s E-bike requirements, it is generally treated like a bicycle.

That means it does not require:
โ€ข A driverโ€™s license
โ€ข Registration
โ€ข Title
โ€ข Inspection
โ€ข Proof of insurance

A legal E-bike may generally be used where bicycles are allowed. This includes streets, shoulders, bike lanes, bikeways, and multi use paths, unless local rules say otherwise.

Class 3 E-bikes have one extra rule. They cannot be operated on a bicycle lane or multi use path faster than the posted speed limit. If no speed limit is posted, the limit is 20 mph.

๐–๐ก๐š๐ญ ๐ƒ๐จ๐ž๐ฌ ๐๐จ๐ญ ๐๐ฎ๐š๐ฅ๐ข๐Ÿ๐ฒ

A device may not qualify as a legal E-bike if it:
โ€ข Does not have fully operable pedals
โ€ข Has a motor of 750 watts or more
โ€ข Does not meet Iowaโ€™s speed or class limits
โ€ข Has been modified so it no longer fits within Class 1, Class 2, or Class 3
โ€ข Operates more like a small motorcycle than a bicycle

If a device does not qualify as a legal E-bike, it may fall under another part of Iowa law. Depending on the device, it may require registration, a valid driverโ€™s license, and other legal requirements before it can be operated on a public highway.

๐‹๐จ๐œ๐š๐ฅ ๐‘๐ฎ๐ฅ๐ž๐ฌ ๐’๐ญ๐ข๐ฅ๐ฅ ๐Œ๐š๐ญ๐ญ๐ž๐ซ

Even when a device qualifies as a legal E-bike under Iowa law, cities and towns may still have local rules about where bicycles and E-bikes can be used.

That may include rules for sidewalks, trails, parks, business districts, or other public areas.

Please check the rules in the city or town where you are riding.

๐–๐ก๐ฒ ๐“๐ก๐ข๐ฌ ๐Œ๐š๐ญ๐ญ๐ž๐ซ๐ฌ

Parents, please take a close look at what your kids are riding.

Some of these devices are fast, powerful, and not built or operated like normal bicycles. When they are used around pedestrians, on sidewalks, or on trails, they can create real safety concerns.

We want people to understand the law and make good decisions.

That said, reckless or unlawful operation will be addressed when needed.

If you see unsafe operation, you can contact the Tama County Sheriffโ€™s Office or your local law enforcement agency.

Ride safe, use good judgment, and be respectful of others in our communities.

The summer is flying by and it's time to celebrate the 4th of July and America's 250th birthday!  Whether you're camping...
06/30/2026

The summer is flying by and it's time to celebrate the 4th of July and America's 250th birthday! Whether you're camping, attending family reunions, parades and fireworks, whatever your plans are, we hope you have a fun, safe weekend! We will be celebrating as well which means our office will be closed Friday, July 3 reopening on Monday, July 6.
Happy 4th of July everyone!! ๐Ÿ‡บ๐Ÿ‡ธ๐ŸŽ‰๐Ÿ‡บ๐Ÿ‡ธ

05/29/2026

Our summer hours begin June 1st. We'll close at 4:30
daily until after
Labor Day, September 7

05/18/2026

We want to say a big โ€œTHANK YOUโ€ to all EMS providers, but especially to all Guthrie County EMS services. It is not lost on us that we are certainly served by the best of the best! They work hard every day to provide excellent service to our citizens so if you see them around, please take a moment to thank them for all that they do. ๐Ÿš‘

03/23/2026

Today is the official start of Severe Weather Awareness Week in Iowa. Today's focus is on lightning safety! โšก

If you hear thunder, lightning is close enough to pose an immediate threat. Your best defense against lightning is in a sturdy structure. In your weather safety plan, always be aware of your closest shelter. When thunder roars go indoors! โ›ˆ๐Ÿƒ๐Ÿ‘‰๐Ÿ 

12/28/2025

2025 has flown by and is quickly coming to an end! We arenโ€™t ready to start another year but if you need a 2026 calendar to keep track of time, we have a few left. Stop by soon to get yours!

10/15/2025

Fire is FAST! Make sure you and your family know the best way to get out of your home and where your meeting spot is!

Address

316 State St
Guthrie Center, IA
50115

Opening Hours

Monday 8am - 5pm
Tuesday 8am - 5pm
Wednesday 8am - 5pm
Thursday 8am - 5pm
Friday 8am - 5pm

Telephone

+16417473678

Website

Alerts

Be the first to know and let us send you an email when State Street Insurance, Inc. posts news and promotions. Your email address will not be used for any other purpose, and you can unsubscribe at any time.

Share