Cheapest and Best Car Insurance Companies in Des Moines, IA


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ByMark Fitzpatrick
Edited byMorgan Hull
ByMark Fitzpatrick
Edited byMorgan Hull

Updated: May 20, 2024

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State Farm is the cheapest for full coverage policies. It also suits military drivers and those with different traffic violations (speeding tickets, at-fault accidents, DUIs). Allstate tends to do right by teens and their families. For those concerned with customer service, Grinnell Mutual may be the top choice.

MoneyGeek Logo IconCheapest + BestCar InsuranceDes Moines
2024

Cheapest and Best Car Insurance in Des Moines, IA

Why Trust MoneyGeek? MoneyGeek used statistics and information from the Iowa Insurance Division and Quadrant Information Services to rank companies based on affordability, customer service and coverage options.

29,688Quotes Analyzed
 
16Companies Compared

Cheapest Minimum Liability Car Insurance in Des Moines

The following insurers offer the cheapest minimum coverage policies in Des Moines:

  • West Bend Mutual: $203 per year
  • Westfield: $225 per year

In comparison, Allstate offers the most expensive minimum car insurance policy at $478 per year. State Farm has the cheapest car insurance in Iowa, at around $139 per year as of October 2022. This shows how location impacts the cost of car insurance.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Minimum Coverage
West Bend MutualAnnual Premium$203Monthly Premium$17
WestfieldAnnual Premium$225Monthly Premium$19
State FarmAnnual Premium$226Monthly Premium$19
ProgressiveAnnual Premium$234Monthly Premium$20
Auto-Owners Insurance CoAnnual Premium$258Monthly Premium$22
GEICOAnnual Premium$313Monthly Premium$26
Iowa Farm BureauAnnual Premium$320Monthly Premium$27
American FamilyAnnual Premium$333Monthly Premium$28

In Iowa, a minimum car insurance policy covers both injury liability and damage liability:

  • $20,000 bodily injury liability per person
  • $40,000 bodily injury liability per accident
  • $15,000 property damage liability per accident

For example, if you’re found at fault in an accident, injuring another driver, a minimum coverage policy with these limits will cover $20,000 in medical expenses per person, up to $40,000 per accident. You’ll be responsible for any additional costs.

Cheapest Full Coverage Car Insurance in Des Moines

The following insurers offer the cheapest full coverage policies in Des Moines:

  • State Farm: $560 per year
  • West Bend Mutual: $560 per year

Grinnell Mutual's full coverage policy is the most expensive at $1,145 per year. The cheapest full coverage car insurance in Iowa is also offered by State Farm at around $525 per year as of October 2022.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$560Monthly Premium$47
West Bend MutualAnnual Premium$560Monthly Premium$47
GEICOAnnual Premium$681Monthly Premium$57
WestfieldAnnual Premium$683Monthly Premium$57
American FamilyAnnual Premium$705Monthly Premium$59
Auto-Owners Insurance CoAnnual Premium$719Monthly Premium$60
AllstateAnnual Premium$778Monthly Premium$65
Iowa Farm BureauAnnual Premium$778Monthly Premium$65

A full coverage car insurance policy includes comprehensive and collision insurance.

  • Collision Insurance: This insurance covers repairs for your car after a collision with another vehicle or object (telephone pole, stop sign, etc.)
  • Comprehensive Insurance: This insurance covers damages from natural disasters, vandalism and theft.

Full coverage policies are best for owners of new vehicles. Owners of older vehicles may find the added coverage isn’t worth the additional cost.

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Cheapest Car Insurance in Des Moines After a Driving Offense

Drivers with the following offenses will get the cheapest rates from these companies:

  • Speeding ticket: State Farm ($612 per year)
  • At-fault accident: State Farm ($665 per year)
  • DUI: State Farm ($612 per year)

Auto-Owners Insurance Co. has the most expensive rates for drivers with speeding tickets at $1,433, while Progressive costs the most for drivers with at-fault accidents, charging $1,370 per year. Meanwhile, those with DUI offenses will pay the most with Grinnell Mutual — its policies cost an average of $2,642 per year.

While the costs for drivers with poor track records might vary substantially from one insurance provider to the next, good drivers rarely pay as much as high-risk drivers, even with the most inexpensive provider.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
Incident:
Incident:Speeding
State FarmAnnual Premium$612Monthly Premium$51
West Bend MutualAnnual Premium$727Monthly Premium$61
WestfieldAnnual Premium$820Monthly Premium$68
American FamilyAnnual Premium$835Monthly Premium$70
GEICOAnnual Premium$842Monthly Premium$70
AllstateAnnual Premium$860Monthly Premium$72
IMT Insurance CompanyAnnual Premium$904Monthly Premium$75
Iowa Farm BureauAnnual Premium$945Monthly Premium$79

The cost of insurance tends to increase in proportion to the severity of the driving offense. For instance, drivers in Des Moines with speeding tickets pay an average of $373 less per year for car insurance than drivers with DUI offenses. While car insurance may cost more for high-risk drivers, they can still save by researching the cheapest car insurance for drivers with bad records.

Cheapest Car Insurance in Des Moines for Teens and Their Families

The following insurers offer the cheapest rates for a 16-year-old teen driver added to a family policy:

  • State Farm: $1,605 per year for female teens
  • GEICO: $1,712 per year for female teens and $1,831 per year for male teens
  • Allstate: $1,834 per year for male teens

Auto-Owners Insurance Co. has the most expensive rates for female and male teens, charging $2,281 and $2,419 per year, respectively.

Car insurance tends to cost more for male teens than female teens because insurers consider the former riskier to insure. For instance, the cheapest company for male teens is $226 more expensive than the cheapest insurer for female teens. This cost discrepancy tends to decrease as drivers approach early adulthood.

Data filtered by:Results filtered by:
Age:
Age:16
Gender:
Gender:Female
State FarmFamily Plan Annual Premium$1,605Individual Plan Monthly Premium$3,924
GEICOFamily Plan Annual Premium$1,712Individual Plan Monthly Premium$5,718
TravelersFamily Plan Annual Premium$1,786Individual Plan Monthly Premium$5,605
AllstateFamily Plan Annual Premium$1,834Individual Plan Monthly Premium$8,673
ProgressiveFamily Plan Annual Premium$1,949Individual Plan Monthly Premium$8,939
FarmersFamily Plan Annual Premium$2,106Individual Plan Monthly Premium$8,408
Auto-Owners Insurance CoFamily Plan Annual Premium$2,281Individual Plan Monthly Premium$7,196

It costs significantly more for a teen driver to purchase an individual policy compared to joining a parent’s policy. In Des Moines, the average 16-year-old teen male could save $2,282 per year by joining a family policy rather than purchasing a separate policy. Families can save money by researching the cheapest car insurance for teen drivers.

Cheapest Car Insurance in Des Moines for Military Drivers

The following insurers offer the cheapest full coverage car insurance for military personnel and their families in Des Moines:

  • State Farm: $560 per year
  • West Bend Mutual: $560 per year

USAA, an insurer that caters exclusively to military drivers, is another great option. Drivers can get the cheapest minimum coverage from this insurer for $196 per year. West Bend Mutual offers the second-cheapest minimum coverage for $203 per year. By researching the cheapest car insurance policies for military drivers and their families, military-affiliated personnel can save money.

Data filtered by:Results filtered by:
Age Group:
Age Group:30-59
Coverage:
Coverage:Full Coverage
State FarmAnnual Premium$560Monthly Premium$47
West Bend MutualAnnual Premium$560Monthly Premium$47
USAAAnnual Premium$613Monthly Premium$51
GEICOAnnual Premium$681Monthly Premium$57
WestfieldAnnual Premium$683Monthly Premium$57
American FamilyAnnual Premium$705Monthly Premium$59
Auto-Owners Insurance CoAnnual Premium$719Monthly Premium$60
AllstateAnnual Premium$778Monthly Premium$65

How to Compare Cheap Des Moines Car Insurance Quotes Online

It can take up to 15 minutes to receive a single car insurance quote. That time adds up when you’re comparing rates for multiple insurers. Fortunately, MoneyGeek’s car insurance calculator makes it easy for you to calculate and compare rates. Simply input your age, vehicle, policy limits and driving history to receive an estimate.

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Jun 17, 2024

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Best Car Insurance in Des Moines: Summary

The best car insurer for you will vary based on your needs and preferences. The following insurers are our top picks for each category:

  • Best overall: West Bend Mutual (MoneyGeek score of 83 out of 100)
  • Best for service: Grinnell Mutual (MoneyGeek score of 70 out of 100)
  • Best cheap: West Bend Mutual (MoneyGeek score of 83 out of 100)

A company’s MoneyGeek score may vary across different categories (best overall, best for service, etc.) based on the weighted factors.

In addition to being the best overall insurer in Des Moines, West Bend Mutual is also the best car insurance provider in Iowa. USAA is another good option for military members and their families — the insurer earned a MoneyGeek score of 82 out of 100.

Best Overall Car Insurance in Des Moines

The following insurers offer the best full coverage policies in Des Moines:

  • West Bend Mutual: MoneyGeek score 83 out of 100 ($560 per year)
  • Westfield: MoneyGeek score 77 out of 100 ($683 per year)

West Bend Mutual offers the cheapest rates and has one of the highest customer service ratings. USAA, earning a MoneyGeek score of 82 out of 100, is also an excellent option for military-affiliated drivers.

How was this MoneyGeek score calculated?

West Bend Mutual

pros

checkmark

Has high scores for affordability and customer service

checkmark

Offers roadside assistance and classic car coverages

cons

close

Has few coverage options

close

Doesn’t offer rental car and/or travel reimbursement coverage

COMPANY HIGHLIGHTS

West Bend Mutual has the cheapest rates and offers top-notch quality service, making it the best car insurance option in the city. Despite its balance of cost and customer service, the insurer offers fewer coverage options than its competitors.

Roadside assistance coverage, while available from most insurers, is a useful add-on option for drivers wanting to ensure they’re covered 24/7 if their car breaks down. With this coverage, if your car breaks down anywhere in Canada or the U.S., West Bend Mutual will pay for towing, battery deliveries, jump starts, lockout services and more up to a specified limit. The other coverage offered by the insurer is classic car coverage which extends coverage to antique or collectible vehicles.

Though the insurer doesn’t offer any military-specific discounts, policyholders can further reduce the cost of their already low premium by driving safely, insuring multiple cars, installing anti-lock brakes and more.

Best Car Insurance in Des Moines for Customer Service

The best car insurance providers for customer service, irrespective of cost, are:

  • Grinnell Mutual: MoneyGeek score of 70 out of 100 ($1,145 per year)
  • West Bend Mutual: MoneyGeek score of 70 out of 100 ($560 per year)

Grinnell Mutual has one of the highest ratings for customer satisfaction and claims management. However, it is the most expensive provider of the insurers that we evaluated.

How was this MoneyGeek score calculated?

Grinnell Mutual

pros

checkmark

Has a high claims management and customer satisfaction rating

checkmark

Offers rental car and/or travel reimbursement coverage

cons

close

Offers fewer coverage options than some of its competitors

close

Doesn’t offer roadside assistance

COMPANY HIGHLIGHTS

Grinnell Mutual has an exceptional customer service and claims management record. However, the insurer is the most expensive of the 15 providers we evaluated.

Several unique coverage options are available from the insurer including personal property insurance and pet coverage. With personal property coverage, policyholders will receive up to $500 to replace their belongings if they’re stolen from their vehicle. Furthermore, pet coverage pays for veterinary costs to your pet if it’s injured during a car accident.

In addition to these less common coverages, the insurer offers rental car and/or travel reimbursement coverage, which extends collision and comprehensive coverage to any vehicle that you rent. Grinnell also covers up to $750 of “loss of use” fees. These fees are another common penalty made by rental car companies if the vehicle is damaged beyond repair and cannot be rented out.

Best Cheap Car Insurance in Des Moines

In Des Moines, the following insurers offer the best minimum coverage policies that comply with the state-mandated liability limits in Iowa:

  • West Bend Mutual: MoneyGeek score of 83 out of 100 ($203 per year)
  • Westfield: MoneyGeek score of 80 out of 100 ($225 per year)

Minimum coverage policies may be the cheapest, but they offer the least amount of protection. These have the lowest liability limits and won’t cover damages to your vehicle.

How was this MoneyGeek score calculated?

West Bend Mutual

pros

checkmark

Has the cheapest rates at $203 per year

checkmark

Offers multiple car, safe driving and anti-lock brakes discounts

checkmark

Has high ratings for customer satisfaction

cons

close

Offers few coverage options

close

Doesn’t offer bundling or anti-theft systems discounts

COMPANY HIGHLIGHTS

West Bend Mutual offers the cheapest minimum coverage policies while still providing quality customer service. The insurer also offers numerous discounts, allowing policyholders to save even more money.

With West Bend Mutual, policyholders can reduce the cost of their insurance by insuring multiple cars or safe driving. Student drivers between the ages of 16 and 24 who maintain good grades (B or 3.0 grade point average), can also receive a discount on their insurance. Another discount is offered for installing anti-lock brakes.

The insurer only offers two coverage options: classic car insurance and roadside assistance. While the former doesn’t universally apply to drivers, the latter can aid virtually any type of driver. With roadside assistance coverage, the insurer will provide aid 24/7 if your car breaks down in the U.S. or Canada. This coverage pays for lockout, jump start, flat tire changes and towing services up to a specified limit.

Average Cost of Car Insurance in Des Moines

A full coverage car insurance policy in Des Moines costs approximately $792 per year, which is the same as the average cost of car insurance in Iowa as of October 2022. Car insurance rates in the state are $474 less expensive than the national average cost of car insurance. This shows the impact that location can have on the cost of car insurance.

The rates above are for a full coverage policy including $300,000 in physical injury coverage, $100,000 in property damage coverage and $100,000 in medical payments coverage per injured person.

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick has analyzed the property and casualty insurance market for over five years, conducting original research and creating personalized content for every kind of buyer. Currently, he leads P&C insurance content production at MoneyGeek. Fitzpatrick has been quoted in several insurance-related publications, including CNBC, NBC News and Mashable.

Fitzpatrick earned a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his knowledge of economics and insurance to bring transparency around financial topics and help others feel confident in their money moves.