Car Insurance in Des Moines

State Farm offers the lowest rates across most driver categories in Des Moines. Adult drivers with clean records pay just $237 per year through State Farm, while seniors pay $312 annually.

Young drivers face higher premiums at $585 per year with State Farm, which is 147% more than adult rates. At-fault accidents increase costs to $281 annually through State Farm, a modest 18% bump.

DUI and speeding violations add $258 per year with State Farm. The relatively small premium differences between violation types make Des Moines one of Iowa's most forgiving markets for drivers with infractions.

GEICO provides the cheapest minimum coverage in Des Moines at $344 per year. This is 28% below the city average of $828. For full coverage, GEICO charges $904 annually. State Farm offers minimum coverage at $237 annually for certain driver profiles

Young drivers in Des Moines pay the highest rates at $585 annually through State Farm. This insurer charges seniors just $312 per year, representing a 47% discount compared to young drivers.

Adult drivers pay $237 annually. The age-based pricing in Des Moines follows expected patterns.

State Farm delivers the lowest rates for clean-record drivers in Des Moines at $237 per year. At-fault accidents increase premiums to $281 annually with State Farm. DUI violations and speeding tickets both cost $258 per year.

Auto-Owners ranks as the best car insurance company with a MoneyGeek score of 92, balancing affordability with excellent service. Progressive follows closely with a score of 89, offering competitive online tools and steady rates.

Auto-Owners provides personalized service through local agents. Progressive is good for drivers who prefer digital policy management.

Car insurance in Des Moines costs an average of $828 per year. Minimum coverage averages $69 monthly while full coverage runs $828 annually.

These rates position Des Moines among Iowa's most affordable cities for coverage, reflecting the state's generally low insurance costs. State Farm and GEICO both offer rates well below the city average, with minimum coverage starting as low as $237 annually through State Farm.

Des Moines drivers benefit from Iowa's competitive market and favorable loss experience, creating opportunities for savings.

Monthly coverage costs in Des Moines range from $31 to $343 based on your driver profile. Check the table below for rates in your category.

Car insurance rates by ZIP code in Des Moines range from $32 to $109 monthly. ZIP code 50380 is the most expensive, while 50395 is the cheapest.

Finding good, cheap car insurance in Des Moines is challenging due to expensive average state rates and the difficulty of determining the right coverage. Follow these steps to get the best coverage and reduce your auto insurance costs.

Finding the cheapest car insurance in Des Moines depends on your age, driving record, vehicle type and credit score. State Farm and GEICO consistently offer low rates across different driver profiles, but compare quotes from multiple providers to get the best deal.

MoneyGeek answers frequently asked questions about the cheapest car insurance in Des Moines.

Des Moines drivers face moderate insurance costs influenced by harsh winter weather, causing frequent accidents, hail damage from severe thunderstorms, and urban traffic congestion that pushes premiums higher than rural Iowa but lower than many major metros. We built this research to show you which insurers offer the lowest rates for your specific driving profile, so you can maintain required coverage without overpaying in Iowa's capital city.

We collected rate data from the Iowa Insurance Division and Quadrant Information Services, reviewing quotes from 12 major insurers across all ZIP codes in the city and comparing hundreds of thousands of data points to find options that best match local drivers' needs.

We used a standard driver profile: a 40-year-old male driving a 2012 Toyota Camry LE with a clean record, good credit, and no claims history. This driver logs 12,000 miles annually and maintains continuous coverage with a valid license. We also adjusted factors such as age, driving record, credit score, and military affiliation to identify the best insurers for different types of drivers.

Iowa requires minimum liability coverage of $30,000 per person and $60,000 per accident for bodily injury, plus $25,000 for property damage. These minimums satisfy legal requirements but leave you financially exposed after serious accidents, especially in a metro area where medical costs and vehicle values run moderate to high.

For full coverage comparison, we used $100,000/$300,000/$100,000 liability limits plus comprehensive and collision with $1,000 deductibles. This level provides stronger financial protection when you cause an accident or your car gets damaged, stolen, or totaled—particularly important given Des Moines's severe weather patterns that frequently damage vehicles through hail and winter accidents.

We scored each insurer based on three main factors: 

Affordability (60%), analyzing quotes for several driver profiles compared among Des Moines competitors.

Customer Experience (30%) reviewing feedback from Google reviews, J.D. Power, AM Best, and Reddit discussions to gauge overall satisfaction.

Coverage Options (10%), considering the number and quality of each company's coverage options, including unique add-ons or benefits. This methodology identifies insurers offering genuine value for Des Moines drivers navigating Iowa's challenging weather conditions and competitive insurance market.