Compare the Cheapest Car Insurance Quotes in Des Moines, IA

The average annual cost of auto insurance in Des Moines is $778, similar to the average rate in Iowa. GEICO, the most affordable car insurer in this city, has an average rate of $473 per year. MoneyGeek also evaluated rates by coverage level and driver profile. If you are focused on both cost and quality, MoneyGeek ranked the best auto insurers in Des Moines.

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The Cheapest and Best Car Insurance in Des Moines

The Cheapest Car Insurance Companies in Des Moines

Based on MoneyGeek’s study, the most affordable options for a full coverage policy in Des Moines are:

  • GEICO: $473 per year
  • USAA: $614 per year (only available to current and former military members)

The prices are based on MoneyGeek’s sample profile, a male driver who is 40 years old with a full coverage policy that includes liability insurance and comprehensive and collision insurance.

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Average Cost of Car Insurance in Des Moines

Des Moines$778
Iowa$778
U.S.$1,424

In the city of Des Moines, the average annual cost of car insurance is $778, which is equal to the Iowa average but drastically lower than the national annual premium average of $1,424. Auto coverage is considerably cheaper in Des Moines compared to many cities in America.

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The Best Car Insurance Companies in Des Moines

MoneyGeek ranked car insurance companies in Des Moines using a unique scoring system. For drivers looking for a balance of affordability and quality service, the best auto insurance carriers in the city for most drivers are:

  • Auto-Owners: MoneyGeek score of 98 out of 100
  • GEICO: MoneyGeek score of 93 out of 100

USAA received the highest score in Des Moines by MoneyGeek's rating system. However, because USAA is only available to military members, veterans and their families, it is not listed as best overall.

MoneyGeek based the final scores on various criteria, including J.D. Power’s user satisfaction, affordability and financial stability ratings.


1
USAA
Score:100

5/5

Affordability

5/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

2
Auto-Owners Insurance Co
Score:98

5/5

Affordability

4/5

Claims Ratings

5/5

User Satisfaction

A++

Financial Stability

3
GEICO
Score:93

5/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A++

Financial Stability

4
Allstate
Score:85

3/5

Affordability

3/5

Claims Ratings

4/5

User Satisfaction

A+

Financial Stability

5
Travelers
Score:85

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A++

Financial Stability

6
Progressive
Score:85

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

7
Auto Club of Southern California Insurance Group
Score:83

4/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

8
State Farm
Score:80

3/5

Affordability

3/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

9
American Family
Score:78

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A+

Financial Stability

10
Safeco
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

11
Liberty Mutual
Score:78

2/5

Affordability

4/5

Claims Ratings

2/5

User Satisfaction

A

Financial Stability

12
Farm Bureau Ins of MI
Score:75

2/5

Affordability

2/5

Claims Ratings

3/5

User Satisfaction

A

Financial Stability

13
Nationwide
Score:75

2/5

Affordability

2/5

Claims Ratings

2/5

User Satisfaction

A+

Financial Stability

14
Farmers
Score:73

2/5

Affordability

3/5

Claims Ratings

2/5

User Satisfaction

A-

Financial Stability

Personalized Quotes to Get You the Cheapest Car Insurance in Des Moines

Car insurance companies in Des Moines use several factors to calculate accurate insurance quotes, including driving history, age, credit score, gender and car make and model, among others.

If you have no driving violations or you have a good credit score, you have a better chance of finding affordable coverage. To get an accurate quote for your policy, you should approach car insurance companies in Des Moines for a personalized quote. You should also inquire if they have discounts, rebates or promos to help you save money.

Shopping around for car insurance in Des Moines could save you $305, which is enough to buy:


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102Cups of Coffee
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23Months of Your Favorite Streaming Service

Cheapest Car Insurance in Des Moines by Coverage Amount

Auto insurance carriers in Des Moines and elsewhere consider the amount of coverage you purchase when calculating annual premiums. Des Moines has an average cost of $367 for a state minimum liability-only policy and $778 for a full coverage policy, a difference of $411.

Iowa Minimum Liability Requirements

  • Item
    Description
  • Bodily Injury and Property Damage
    $20,000 per person, $40,000 per accident and $15,000 for property damage. A more protective level is 100/300/100.

As long as you have the state minimum liability insurance, the other driver’s costs will be covered in case you cause an accident. However, by upgrading to full coverage, your insurance will cover your own expenses as well. An example of a full-coverage upgrade is collision coverage which covers the cost of damages incurred while you’re driving, or comprehensive insurance that covers damages to the vehicle from situations like weather, theft or fire.

In Des Moines, if you want state minimum liability-only coverage, the most affordable policy you can get is from GEICO at an average rate of $232, unless you’re a military veteran who qualifies for USAA coverage. You can upgrade that to a 50/100/50 liability-only policy from GEICO for around $262, 50/100/50 full-coverage for an average of $438 or 100/300/100 full-coverage for $473 on average.

If you can afford it, the upgraded coverage might be worth the expense to you.

Average Car Insurance Premiums: Liability-Only vs. Full Coverage

Liability Only
Full Coverage
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Cheapest Car Insurance in Des Moines if You Have Driving Violations

Your driving record and history affect your personalized quotes for car insurance in Des Moines. If you have a clean driving record, you can get coverage for an average of $473 with GEICO. However, the more violations you have, the more you’ll pay.

A speeding ticket will increase your GEICO insurance quote to $493 on average. For an at-fault accident, the average rate jumps to $687. If you get a DUI conviction, that rate increases to around $944, and you’ll likely pay even more if you have multiple violations.

  • Company
    Speeding Ticketper year
    At-Fault Accidentper year
    DUIper year
  • 1.
    GEICO
    $493
    $687
    $944
  • 2.
    State Farm
    $671
    $725
    $671
  • 3.
    American Family
    $754
    $754
    $754
  • 4.
    USAA
    $752
    $893
    $996
  • 5.
    Progressive
    $920
    $1,267
    $795
  • 6.
    Allied
    $806
    $1,074
    $1,298
  • 7.
    Allstate
    $955
    $1,123
    $1,158
  • 8.
    Farmers
    $1,041
    $1,187
    $1,135
  • 9.
    Farm Bureau Mutual (IA Group)
    $889
    $1,145
    $1,512
  • 10.
    Grinnell Mutual
    $983
    $1,481
    $2,142
  • 11.
    MetLife
    $1,541
    $1,862
    $1,556
  • 12.
    Travelers
    $1,578
    $1,368
    $2,146

Average Cost of Car Insurance by Postal Code

Your ZIP code matters when calculating car insurance quotes. There are location-specific factors at play, like the average rate of car accidents and fatalities in an area. The cheapest car insurance quotes in Des Moines by ZIP code are in 50317 with a $757 average annual premium. On the other hand, drivers in ZIP code 50315 can expect an $800 premium on average.

  • Zip Code
    State Minimumper year
  • 50317
    $757
  • 50315
    $800

Factors That Impact Insurance Costs in Des Moines

In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts also contribute to car insurance rates in Des Moines. How Des Moines ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.

accident2 icon
Most Accidents With Fatalities213th/300
handcuffs2 icon
Most Car Thefts124th/300
uninsured icon
Most Uninsured Motorists by State38th/50
insurance2 icon
Personal Injury Protection RequiredNo
rain icon
Most Annual Rainfall161st/300
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Most Rainy Days129th/300

Methodology and Assumptions

MoneyGeek’s average premium rates for Des Moines are based on 100/300/100 comprehensive collision coverage with a $1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek’s data and methodology here.

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About the Author


expert-profile

Mark Fitzpatrick is a senior content manager with MoneyGeek specializing in insurance. Mark has years of experience analyzing the insurance market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a Master of Arts.