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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 Cheap Car Insurance Companies in Des Moines

If you’re looking for the best car insurance in Des Moines, it would be useful to compare different packages from various companies. You can find cheap car insurance in Des Moines with GEICO, as its average annual premium is just $473. That’s $305 cheaper than the city average and 111% less expensive than MetLife, which charges an average of $998 per year in Des Moines. Even that is still much more affordable than the national average ($1,424).

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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.

Compare Car Insurance Rates in Des Moines

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

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Cheapest Car Insurance in Des Moines by Coverage Amount

How much car insurance coverage you purchase in Des Moines also affects how much your policy will cost. Coverage includes required liability coverage and optional items like collision, comprehensive, and deductibles.

Visit these guides to learn more:

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 which 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 by Coverage Type

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

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
  • $493
    $687
    $944
  • $671
    $725
    $671
  • $754
    $754
    $754
  • 4. USAA
    $752
    $893
    $996
  • $920
    $1,267
    $795
  • 6. Allied
    $806
    $1,074
    $1,298
  • $955
    $1,123
    $1,158
  • $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
  • $1,541
    $1,862
    $1,556
  • $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
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Most Annual Rainfall161st/300
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Most Rainy Days129th/300

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

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.

Compare Car Insurance Rates in Des Moines

Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.

Insurance Rates

About the Author


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The MoneyGeek editorial team has decades of combined experience in writing and publishing information about how people should manage money and credit. Our editors have worked with numerous publications including The Washington Post, The Daily Business Review, HealthDay, and Time, Inc., and have won numerous journalism awards. Our talented team of contributing writers include mortgage experts, veteran financial reporters, and award-winning journalists. Learn more about the MoneyGeek team.