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Cheap Auto Insurance Quotes in Des Moines, IA (2023)
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Written by
Tanveen Vohra
Editorial Manager
Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.Tanveen's work has been cited by CNBC , Fox Business, Business Insider, Fortune, and Market Watch, among others.
Edited by
Olivia Oksenhorn
Insurance Writer
Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.
Reviewed by
Amber Benka
Licensed Insurance Agent
Amber Benka is a licensed insurance agent specializing in auto, home, commercial, life, and health insurance.
Updated September 12, 2022
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Des Moines has 214,000 residents, and most drive as their main mode of getting around. Finding the best car insurance policy will score you a nice deal regardless if you're a Cyclone or a Hawkeye.
Over 90 percent of Des Moines households own cars. It's critical to get a good auto insurance deal in the Hawkeye State.
Car Insurance in Des Moines, IA
The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Des Moines, IA to find you the cheapest quotes in the area.
Quick Facts
The average cost of car insurance in Des Moines is $151 per month, or $1812 annually.
Car insurance in Des Moines is $9 more than the average cost of car insurance in Iowa.
The cheapest car insurance provider in Des Moines on average is Travelers, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$27
State Farm$39
Allstate$44
American Family$105
The General$135
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Table of contents
- Cheapest Car Insurance
- Best Car Insurance
- Average Car Insurance Cost
- Mininum Car Insurance Requirements
- Car Insurance Rates by Driver Age
- Rates by Driving and Accident History
- Car Insurance Rates by Credit Tier
- Find local insurance agents
- How to get the best and cheapest car insurance in Des Moines, IA
- FAQs - Des Moines, IA Car Insurance
- Insurify Insights
Cheapest Car Insurance in Des Moines, IA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Des Moines | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Progressive | $27 /mo |
| State Farm | $39 /mo |
| Allstate | $44 /mo |
| American Family | $105 /mo |
| The General | $135 /mo |
Best Car Insurance in Des Moines, IA
The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Des Moines. For the complete list, see Insurify's best car insurance companies .
| Best Companies | Score | Quotes The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|---|
| American Family | 89 | $140 /mo |
| Safeco | 86 | $142 /mo |
| Liberty Mutual | 82 | $163 /mo |
| Travelers | 80 | $101 /mo |
See More: Best Car Insurance Companies
Average Car Insurance Cost
| Iowa Cities | |
|---|---|
| Cedar Rapids | $64/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Iowa City | $178/mo |
| Des Moines | $70/mo |
| Iowa | $98/mo |
Cedar Rapids$64
Des Moines$70
Sioux City$85
Davenport$92
Average for IA$98
Iowa City$178
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Iowa
All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
Requested by law enforcement
Renewing vehicle registration
The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:
$20,000 per person for bodily injury
$40,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
$15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Des Moines Car Insurance Rates by Driver Age
Because statistics show that younger drivers have more accidents and make more claims than older drivers, car insurance companies put them in a higher risk category. Higher risk means higher insurance premiums. The average monthly car insurance cost for teen drivers in Des Moines is $292. For drivers in their 20s, the premium drops to $179. Teen drivers can lower their rates through discounts and by keeping a spotless driving record.
| Driver's Age | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| teens | $293 |
| 20s | $179 |
| 30s | $138 |
| 40s | $151 |
| 50s | $122 |
| 60s | $139 |
| 70s | $83 |
| 80s | $111 |
Des Moines Car Insurance Rates by Driving and Accident History
Rolling through a red light, speeding, and at-fault accidents increase your car insurance rates in Des Moines. Why? Insurance companies have to charge more to recoup the money they’ve lost on claims. Plus, by your driving behavior, you’ve proven yourself to be a risk in the future. Those with spotless records here pay an average of $154 for insurance monthly. A failure-to-stop infraction increases insurance costs by $29 a month. Luckily, insurance companies only consider these infractions for three to five years. With good driving behavior, your rates can return to normal eventually.
| Driving History | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| No Violation | $155 |
| Speeding Ticket | $168 |
| At-Fault Accident | $189 |
| Failure to Stop for Red Light / Stop Sign | $184 |
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Des Moines Car Insurance Rates by Credit Tier
If you don’t know what your credit score is, you probably should do some digging. Insurance companies use your credit as a way to understand and assess risk. Studies show that people who manage their money well are less likely to make insurance claims. Insurance companies reward this kind of behavior with lower rates. Drivers in Des Moines who have average credit pay $149 for their insurance policies monthly.
| Credit Tier | Avg. Monthly Cost The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced. |
|---|---|
| Excellent | $175 |
| Good | $168 |
| Average | $150 |
| Poor | $146 |
See More: Bad Credit Car Insurance Iowa
Find local Des Moines agents
Boersma Insurance Services
100 Court Avenue Ste 310,
Des Moines, IA 50309Jester Insurance Services
303 Watson Powell Jr Way,
Des Moines, IA 50309McFadden Insurance Services, Inc.
PO Box 57100,
Des Moines, IA 50317Notary Rotary Inc
500 New York Avenue ,
Des Moines, IA 50313-4908Ligouri & Associates Inc
4320 1/2 SW 9th,
Des Moines, IA 50315Reynolds & Reynolds Inc
300 Walnut Street,
Ste 200, Des Moines, IA 50309Donaghy Kempton Insurors
4000 Sixth Avenue,
Des Moines, IA 50313Donahue Insurance Agency Inc
5925 SW 9th Street,
Des Moines, IA 50315Diversity Insurance Inc
1541 E Grand Avenue,
Des Moines, IA 50316Bankers Solutions, LLC
2700 Patricia Drive,
Des Moines, IA 50322
Des Moines, IA DMV Information
The Des Moines Driver's License Station is at 2339 Euclid Ave., Des Moines, IA 50310. The office hours are Monday through Friday from 8:30 a.m. to 5 p.m. and Saturdays 8:30 a.m. to 1 p.m. , and the phone number is 1 (515) 255-9311. There are also three service kiosks. They're at the East Euclid Hy-Vee, Des Moines Public Library, and West Des Moines Public Library.
Public Transportation in Des Moines, IA
The largest portion of Des Moines residents drive, and interstates cut through to serve the traffic flow. And the city also offers public transportation. The Des Moines Area Regional Transit (DART) has buses and gives paratransit to eligible riders. If you'd rather skip the bus, you can get a ridesharing service such as Uber or Lyft. Traditional taxis such as Yellow Cab and Capitol Cab offer rides. Des Moines BCycle lets you get outdoors through its bikeshare program. Des Moines also has a unique skywalk system in its downtown corridor.
For more detailed Iowa city level guides, check out these below.
Most Patriotic City
Des Moines
Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.
Des Moines won Insurify's Most Patriotic Cities Award for the state of Iowa. It was once home to the Fort Des Moines Provisional Army Officer Training School - the first Army training facility for African Americans during World War I, and the first training site for women participating in the Women's Army Corps during World War II.
How to get the best and cheapest car insurance in Des Moines, IA
Even if your price is currently all wrong, it can be "Maid-Rite" with a burger and a budget-saving quote-comparison tool. Before you go track down the food, get the insurance first. Try Insurify to find the best rates and compare dozens of insurance quotes in just a few seconds.
When your city leads the state for DUIs, moving violations, speeders, and suspended licenses, there's plenty of reason to buy a policy. Use Insurify to get the coverage and rate that will fill your wallet with the most "dwollas."
FAQs - Des Moines, IA Car Insurance
Des Moines ranks first in Iowa for DUIs, moving violations, speeding tickets, and suspended licenses. When you lead the pack in that many negative areas, it's no wonder the rates leave you with a frowning face. Insurers charge extra to offset the risk.
The cheapest deal will always come with state minimum coverage. That's the lowest amount of insurance Iowa allows. If you're financing the car, you must purchase comprehensive and collision coverage. In that case, to cut your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.
Car insurance prices change by city, company, and driver. If you're searching for rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and get the coverage you deserve at a price you can afford.
Insurify Insights
How Des Moines Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Des Moines, Iowa below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Des Moines drivers measure up to their fellow motorists across Iowa in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Ford F-Series Pickup
Most Popular Car in Des Moines
#8
City with the Most Speeding Tickets Rank in Iowa
#8
City with the Most Moving Violations Rank in Iowa
#10
City with the Most DUIs Rank in Iowa
#5
City with the Most Suspended Licenses in Iowa
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Des Moines drivers rank 13 in the number of car accidents per driver across all cities in Iowa.
- Rank within state: #13
- Percent of drivers in Des Moines with an accident: 9.8%
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Des Moines drivers rank 10 in the number of DUI’s per driver across all cities in Iowa.
- Rank within state: #10
- Percent of drivers in Des Moines with a DUI: 2.7%
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Iowa, Des Moines drivers rank 20 in the number of reckless driving offenses per driver.
- Rank within state: #20
- Percent of drivers in Des Moines with a reckless driving offense: 1.5%
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Iowa, Des Moines drivers rank 21 in rude driving infractions.
- Rank within state: #21
- Percent of drivers in Des Moines with a reckless driving violation: 1.6%
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Des Moines drivers rank 8 in the number of speeding infractions per driver.
- Rank within state: #8
- Percent of drivers in Des Moines with a speeding ticket: 15.9%
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Des Moines drivers rank 19 in clean driving records across all cities in Iowa.
- Rank within state: #19
- Percent of drivers in Des Moines with clean record: 70.2%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Des Moines drivers rank 12 in hybrid and electric vehicle ownership across all cities in Iowa.
- Rank within state: #12
- Percent of drivers in Des Moines with a hybrid/electric vehicle: 0.82%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
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Data scientists at Insurify analyzed more than 40 million real-time auto insurance rates from our partner providers across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Service's database of auto insurance rates. With these insights, Insurify is able to offer drivers insight into how companies price their car insurance premiums.
Sources
- Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022
