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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
2023

Cheapest and Best Car Insurance in Des Moines, IA

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.

Company
Annual Premium
Monthly Premium

West Bend Mutual

$203

$17

State Farm

$213

$18

Progressive

$215

$18

West Bend Mutual

$219

$18

Westfield

$225

$19

State Farm

$226

$19

Progressive

$234

$20

Westfield

$248

$21

West Bend Mutual

$253

$21

Auto-Owners Insurance Co

$258

$22

Westfield

$265

$22

Auto-Owners Insurance Co

$267

$22

State Farm

$276

$23

Iowa Farm Bureau

$285

$24

GEICO

$313

$26

Iowa Farm Bureau

$320

$27

American Family

$321

$27

Progressive

$326

$27

Western National

$329

$27

American Family

$333

$28

GEICO

$340

$28

Western National

$342

$29

Grinnell Mutual

$347

$29

IMT Insurance Company

$352

$29

Grange Insurance

$357

$30

American Family

$358

$30

IMT Insurance Company

$359

$30

Travelers

$360

$30

Iowa Farm Bureau

$361

$30

Grange Insurance

$361

$30

Auto-Owners Insurance Co

$380

$32

Travelers

$385

$32

GEICO

$385

$32

Farmers

$387

$32

Grange Insurance

$397

$33

Farmers

$398

$33

Grinnell Mutual

$409

$34

Travelers

$411

$34

Allstate

$469

$39

Allstate

$478

$40

Farmers

$478

$40

State Farm

$509

$42

Grinnell Mutual

$518

$43

IMT Insurance Company

$525

$44

Allstate

$544

$45

Western National

$553

$46

State Farm

$560

$47

West Bend Mutual

$560

$47

West Bend Mutual

$564

$47

American Family

$637

$53

Westfield

$666

$55

Auto-Owners Insurance Co

$668

$56

West Bend Mutual

$673

$56

GEICO

$673

$56

Iowa Farm Bureau

$673

$56

GEICO

$681

$57

Westfield

$683

$57

American Family

$705

$59

State Farm

$716

$60

Auto-Owners Insurance Co

$719

$60

American Family

$739

$62

Allstate

$740

$62

IMT Insurance Company

$743

$62

Progressive

$745

$62

Travelers

$767

$64

Allstate

$778

$65

Iowa Farm Bureau

$778

$65

Travelers

$779

$65

IMT Insurance Company

$786

$66

Grange Insurance

$794

$66

Farmers

$812

$68

Progressive

$849

$71

Farmers

$874

$73

GEICO

$876

$73

Grange Insurance

$877

$73

Iowa Farm Bureau

$894

$75

Westfield

$920

$77

Travelers

$923

$77

Grinnell Mutual

$939

$78

Allstate

$965

$80

Grange Insurance

$976

$81

Western National

$1,007

$84

Auto-Owners Insurance Co

$1,014

$85

IMT Insurance Company

$1,029

$86

Farmers

$1,058

$88

Western National

$1,104

$92

Grinnell Mutual

$1,145

$95

Progressive

$1,187

$99

Grinnell Mutual

$1,546

$129

Western National

$1,793

$149

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.

Company
Annual Premium
Monthly Premium

West Bend Mutual

$203

$17

State Farm

$213

$18

Progressive

$215

$18

West Bend Mutual

$219

$18

Westfield

$225

$19

State Farm

$226

$19

Progressive

$234

$20

Westfield

$248

$21

West Bend Mutual

$253

$21

Auto-Owners Insurance Co

$258

$22

Westfield

$265

$22

Auto-Owners Insurance Co

$267

$22

State Farm

$276

$23

Iowa Farm Bureau

$285

$24

GEICO

$313

$26

Iowa Farm Bureau

$320

$27

American Family

$321

$27

Progressive

$326

$27

Western National

$329

$27

American Family

$333

$28

GEICO

$340

$28

Western National

$342

$29

Grinnell Mutual

$347

$29

IMT Insurance Company

$352

$29

Grange Insurance

$357

$30

American Family

$358

$30

IMT Insurance Company

$359

$30

Travelers

$360

$30

Iowa Farm Bureau

$361

$30

Grange Insurance

$361

$30

Auto-Owners Insurance Co

$380

$32

Travelers

$385

$32

GEICO

$385

$32

Farmers

$387

$32

Grange Insurance

$397

$33

Farmers

$398

$33

Grinnell Mutual

$409

$34

Travelers

$411

$34

Allstate

$469

$39

Allstate

$478

$40

Farmers

$478

$40

State Farm

$509

$42

Grinnell Mutual

$518

$43

IMT Insurance Company

$525

$44

Allstate

$544

$45

Western National

$553

$46

State Farm

$560

$47

West Bend Mutual

$560

$47

West Bend Mutual

$564

$47

American Family

$637

$53

Westfield

$666

$55

Auto-Owners Insurance Co

$668

$56

West Bend Mutual

$673

$56

GEICO

$673

$56

Iowa Farm Bureau

$673

$56

GEICO

$681

$57

Westfield

$683

$57

American Family

$705

$59

State Farm

$716

$60

Auto-Owners Insurance Co

$719

$60

American Family

$739

$62

Allstate

$740

$62

IMT Insurance Company

$743

$62

Progressive

$745

$62

Travelers

$767

$64

Allstate

$778

$65

Iowa Farm Bureau

$778

$65

Travelers

$779

$65

IMT Insurance Company

$786

$66

Grange Insurance

$794

$66

Farmers

$812

$68

Progressive

$849

$71

Farmers

$874

$73

GEICO

$876

$73

Grange Insurance

$877

$73

Iowa Farm Bureau

$894

$75

Westfield

$920

$77

Travelers

$923

$77

Grinnell Mutual

$939

$78

Allstate

$965

$80

Grange Insurance

$976

$81

Western National

$1,007

$84

Auto-Owners Insurance Co

$1,014

$85

IMT Insurance Company

$1,029

$86

Farmers

$1,058

$88

Western National

$1,104

$92

Grinnell Mutual

$1,145

$95

Progressive

$1,187

$99

Grinnell Mutual

$1,546

$129

Western National

$1,793

$149

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.

Company
Annual Premium
Monthly Premium

State Farm

$237

$20

State Farm

$237

$20

State Farm

$251

$21

State Farm

$251

$21

Progressive

$251

$21

State Farm

$261

$22

West Bend Mutual

$264

$22

Westfield

$270

$23

Progressive

$272

$23

State Farm

$276

$23

West Bend Mutual

$285

$24

Westfield

$298

$25

State Farm

$305

$25

State Farm

$305

$25

Progressive

$310

$26

Progressive

$312

$26

Westfield

$318

$26

American Family

$321

$27

West Bend Mutual

$328

$27

Western National

$329

$27

Western National

$329

$27

Western National

$329

$27

American Family

$333

$28

State Farm

$336

$28

Western National

$342

$29

Western National

$342

$29

Western National

$342

$29

Grinnell Mutual

$347

$29

Grinnell Mutual

$347

$29

Iowa Farm Bureau

$347

$29

West Bend Mutual

$353

$29

American Family

$358

$30

Auto-Owners Insurance Co

$361

$30

Progressive

$367

$31

GEICO

$368

$31

Westfield

$369

$31

Auto-Owners Insurance Co

$373

$31

American Family

$380

$32

American Family

$380

$32

West Bend Mutual

$382

$32

Iowa Farm Bureau

$388

$32

American Family

$391

$33

American Family

$391

$33

Westfield

$392

$33

West Bend Mutual

$394

$33

GEICO

$402

$34

IMT Insurance Company

$406

$34

Westfield

$409

$34

Progressive

$409

$34

Grinnell Mutual

$409

$34

Grinnell Mutual

$409

$34

IMT Insurance Company

$414

$34

American Family

$416

$35

American Family

$416

$35

Progressive

$437

$36

Iowa Farm Bureau

$438

$36

West Bend Mutual

$441

$37

GEICO

$443

$37

Progressive

$454

$38

Iowa Farm Bureau

$458

$38

West Bend Mutual

$476

$40

Farmers

$477

$40

Travelers

$482

$40

Travelers

$508

$42

Allstate

$510

$43

Travelers

$512

$43

IMT Insurance Company

$512

$43

Iowa Farm Bureau

$515

$43

Grinnell Mutual

$518

$43

Grinnell Mutual

$518

$43

Allstate

$521

$43

IMT Insurance Company

$522

$43

Progressive

$526

$44

Farmers

$530

$44

Auto-Owners Insurance Co

$532

$44

Grange Insurance

$534

$44

Grange Insurance

$535

$45

GEICO

$537

$45

Grange Insurance

$538

$45

Travelers

$541

$45

Grange Insurance

$549

$46

Farmers

$552

$46

Travelers

$553

$46

Western National

$553

$46

Western National

$553

$46

Western National

$553

$46

Auto-Owners Insurance Co

$555

$46

State Farm

$558

$47

State Farm

$558

$47

Travelers

$564

$47

Farmers

$565

$47

GEICO

$567

$47

Auto-Owners Insurance Co

$573

$48

GEICO

$575

$48

Iowa Farm Bureau

$580

$48

Farmers

$583

$49

Grange Insurance

$590

$49

Travelers

$590

$49

Iowa Farm Bureau

$595

$50

Travelers

$596

$50

Allstate

$597

$50

Allstate

$600

$50

Allstate

$601

$50

IMT Insurance Company

$603

$50

State Farm

$608

$51

IMT Insurance Company

$609

$51

State Farm

$612

$51

State Farm

$612

$51

Allstate

$612

$51

Farmers

$613

$51

Grange Insurance

$614

$51

Allstate

$614

$51

IMT Insurance Company

$614

$51

Grange Insurance

$621

$52

West Bend Mutual

$629

$52

Farmers

$636

$53

American Family

$637

$53

Grange Insurance

$637

$53

Farmers

$642

$54

GEICO

$646

$54

Travelers

$650

$54

State Farm

$665

$55

Iowa Farm Bureau

$666

$56

Farmers

$675

$56

GEICO

$675

$56

Grange Insurance

$683

$57

Westfield

$696

$58

GEICO

$704

$59

American Family

$705

$59

Allstate

$713

$59

Allstate

$714

$59

Westfield

$720

$60

West Bend Mutual

$727

$61

West Bend Mutual

$732

$61

Westfield

$736

$61

American Family

$739

$62

Iowa Farm Bureau

$751

$63

American Family

$758

$63

American Family

$758

$63

IMT Insurance Company

$772

$64

State Farm

$785

$65

State Farm

$785

$65

Grinnell Mutual

$796

$66

Westfield

$799

$67

Auto-Owners Insurance Co

$816

$68

Progressive

$817

$68

Iowa Farm Bureau

$817

$68

Allstate

$819

$68

Westfield

$820

$68

American Family

$835

$70

American Family

$835

$70

Auto-Owners Insurance Co

$839

$70

GEICO

$842

$70

State Farm

$853

$71

GEICO

$853

$71

IMT Insurance Company

$854

$71

Allstate

$860

$72

Auto-Owners Insurance Co

$866

$72

American Family

$871

$73

American Family

$871

$73

West Bend Mutual

$873

$73

IMT Insurance Company

$904

$75

IMT Insurance Company

$913

$76

Progressive

$923

$77

Grinnell Mutual

$939

$78

Grinnell Mutual

$939

$78

Grinnell Mutual

$939

$78

Iowa Farm Bureau

$945

$79

Auto-Owners Insurance Co

$948

$79

West Bend Mutual

$975

$81

West Bend Mutual

$982

$82

Allstate

$992

$83

Westfield

$992

$83

Allstate

$999

$83

Auto-Owners Insurance Co

$1,002

$83

Western National

$1,007

$84

Western National

$1,007

$84

Western National

$1,007

$84

Progressive

$1,007

$84

Westfield

$1,008

$84

IMT Insurance Company

$1,037

$86

Allstate

$1,040

$87

Allstate

$1,050

$87

GEICO

$1,052

$88

West Bend Mutual

$1,059

$88

Progressive

$1,068

$89

Allstate

$1,076

$90

Travelers

$1,078

$90

Iowa Farm Bureau

$1,081

$90

Iowa Farm Bureau

$1,085

$90

IMT Insurance Company

$1,094

$91

Westfield

$1,103

$92

Western National

$1,104

$92

Western National

$1,104

$92

Western National

$1,104

$92

Farmers

$1,116

$93

Farmers

$1,129

$94

Travelers

$1,131

$94

Travelers

$1,142

$95

Grinnell Mutual

$1,145

$95

Grinnell Mutual

$1,145

$95

West Bend Mutual

$1,171

$98

GEICO

$1,172

$98

GEICO

$1,179

$98

Grange Insurance

$1,184

$99

Travelers

$1,186

$99

IMT Insurance Company

$1,190

$99

Grinnell Mutual

$1,191

$99

Travelers

$1,200

$100

Farmers

$1,217

$101

Farmers

$1,220

$102

Auto-Owners Insurance Co

$1,233

$103

Travelers

$1,243

$104

Westfield

$1,245

$104

Travelers

$1,246

$104

West Bend Mutual

$1,247

$104

Iowa Farm Bureau

$1,250

$104

Progressive

$1,271

$106

Farmers

$1,274

$106

Auto-Owners Insurance Co

$1,275

$106

Farmers

$1,278

$107

IMT Insurance Company

$1,293

$108

Grange Insurance

$1,302

$108

Farmers

$1,312

$109

Grange Insurance

$1,317

$110

Allstate

$1,318

$110

Travelers

$1,324

$110

GEICO

$1,327

$111

Allstate

$1,330

$111

Progressive

$1,333

$111

Grange Insurance

$1,343

$112

Grange Insurance

$1,355

$113

Travelers

$1,367

$114

Progressive

$1,370

$114

IMT Insurance Company

$1,371

$114

GEICO

$1,385

$115

Grange Insurance

$1,387

$116

Iowa Farm Bureau

$1,400

$117

West Bend Mutual

$1,404

$117

Farmers

$1,406

$117

GEICO

$1,406

$117

Progressive

$1,429

$119

Auto-Owners Insurance Co

$1,433

$119

Auto-Owners Insurance Co

$1,434

$119

Iowa Farm Bureau

$1,435

$120

Grange Insurance

$1,448

$121

IMT Insurance Company

$1,459

$122

Farmers

$1,466

$122

Grange Insurance

$1,528

$127

GEICO

$1,542

$129

Grinnell Mutual

$1,546

$129

Grinnell Mutual

$1,546

$129

Iowa Farm Bureau

$1,619

$135

Grange Insurance

$1,700

$142

Westfield

$1,737

$145

Westfield

$1,754

$146

Progressive

$1,774

$148

Western National

$1,793

$149

Western National

$1,793

$149

Western National

$1,793

$149

IMT Insurance Company

$1,807

$151

Iowa Farm Bureau

$1,858

$155

Westfield

$1,990

$166

Auto-Owners Insurance Co

$2,003

$167

Auto-Owners Insurance Co

$2,065

$172

Auto-Owners Insurance Co

$2,076

$173

Grinnell Mutual

$2,165

$180

Grinnell Mutual

$2,642

$220

Auto-Owners Insurance Co

$3,020

$252

Grinnell Mutual

$3,564

$297

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$785

$1,434

State Farm

$841

$1,358

Travelers

$853

$1,503

Travelers

$893

$1,630

Travelers

$900

$1,819

Travelers

$925

$1,688

State Farm

$942

$1,521

State Farm

$974

$1,542

State Farm

$990

$1,852

Travelers

$992

$1,747

Travelers

$1,024

$1,991

Travelers

$1,025

$2,087

State Farm

$1,029

$1,662

GEICO

$1,047

$1,649

State Farm

$1,053

$2,009

GEICO

$1,066

$1,480

Travelers

$1,071

$1,887

GEICO

$1,075

$1,692

GEICO

$1,081

$1,501

Farmers

$1,091

$1,872

GEICO

$1,096

$2,144

Allstate

$1,105

$1,950

Allstate

$1,105

$1,950

State Farm

$1,107

$1,752

GEICO

$1,113

$1,983

Allstate

$1,114

$1,512

Allstate

$1,114

$1,512

GEICO

$1,119

$1,845

GEICO

$1,148

$1,797

GEICO

$1,153

$1,600

Farmers

$1,165

$2,085

Allstate

$1,168

$1,585

Allstate

$1,168

$1,585

State Farm

$1,173

$2,194

Allstate

$1,178

$3,768

Allstate

$1,178

$3,768

GEICO

$1,184

$1,864

Allstate

$1,204

$1,766

Allstate

$1,204

$1,766

Travelers

$1,204

$2,338

Travelers

$1,208

$2,348

Travelers

$1,212

$2,732

State Farm

$1,214

$2,619

State Farm

$1,214

$2,315

State Farm

$1,222

$1,934

Auto-Owners Insurance Co

$1,230

$3,397

Allstate

$1,233

$1,674

Allstate

$1,233

$1,674

Auto-Owners Insurance Co

$1,244

$3,470

GEICO

$1,295

$2,829

State Farm

$1,305

$2,445

Progressive

$1,317

$1,839

Allstate

$1,334

$2,720

Allstate

$1,334

$2,720

GEICO

$1,344

$2,628

Allstate

$1,355

$2,391

Allstate

$1,355

$2,391

GEICO

$1,362

$2,762

GEICO

$1,377

$3,622

Travelers

$1,380

$3,407

Auto-Owners Insurance Co

$1,389

$3,835

State Farm

$1,396

$3,007

Auto-Owners Insurance Co

$1,414

$4,327

GEICO

$1,421

$2,532

Progressive

$1,424

$1,892

Travelers

$1,432

$2,781

Progressive

$1,433

$4,681

Progressive

$1,433

$2,001

Auto-Owners Insurance Co

$1,434

$4,001

Progressive

$1,442

$2,514

Travelers

$1,444

$3,292

Auto-Owners Insurance Co

$1,469

$4,055

Progressive

$1,481

$2,317

Auto-Owners Insurance Co

$1,490

$4,807

Progressive

$1,515

$2,115

Farmers

$1,525

$1,611

GEICO

$1,528

$3,762

State Farm

$1,536

$3,304

Auto-Owners Insurance Co

$1,536

$5,325

State Farm

$1,539

$2,883

Farmers

$1,550

$1,638

Auto-Owners Insurance Co

$1,560

$4,353

Farmers

$1,564

$1,652

Auto-Owners Insurance Co

$1,576

$4,621

Farmers

$1,579

$1,771

GEICO

$1,586

$4,172

State Farm

$1,598

$3,442

Farmers

$1,604

$1,743

State Farm

$1,605

$3,924

Allstate

$1,614

$5,163

Allstate

$1,614

$5,163

Progressive

$1,623

$5,379

Farmers

$1,630

$1,771

Progressive

$1,635

$2,173

Farmers

$1,659

$1,803

Farmers

$1,664

$3,477

Progressive

$1,678

$5,481

Farmers

$1,678

$1,976

Progressive

$1,690

$2,599

Progressive

$1,696

$2,885

Travelers

$1,698

$4,178

Auto-Owners Insurance Co

$1,702

$4,989

GEICO

$1,707

$4,203

Travelers

$1,709

$4,219

GEICO

$1,712

$5,718

Auto-Owners Insurance Co

$1,719

$5,511

Farmers

$1,737

$3,741

Progressive

$1,746

$2,320

Auto-Owners Insurance Co

$1,781

$6,173

Auto-Owners Insurance Co

$1,781

$7,030

State Farm

$1,782

$3,786

Travelers

$1,786

$5,605

Farmers

$1,802

$6,032

Progressive

$1,805

$5,982

Progressive

$1,816

$3,708

GEICO

$1,831

$5,558

Allstate

$1,834

$8,673

Allstate

$1,834

$8,673

Farmers

$1,873

$3,214

Progressive

$1,878

$3,272

Farmers

$1,905

$6,527

Progressive

$1,949

$8,939

Farmers

$1,954

$3,496

Farmers

$2,004

$6,709

State Farm

$2,038

$4,329

State Farm

$2,048

$4,938

Auto-Owners Insurance Co

$2,088

$6,128

Farmers

$2,106

$8,408

Farmers

$2,124

$7,275

Progressive

$2,125

$9,765

Travelers

$2,140

$5,265

Auto-Owners Insurance Co

$2,164

$8,136

Progressive

$2,185

$4,490

Progressive

$2,220

$3,776

Farmers

$2,231

$9,123

Travelers

$2,252

$7,180

Auto-Owners Insurance Co

$2,281

$7,196

Auto-Owners Insurance Co

$2,304

$6,761

Auto-Owners Insurance Co

$2,419

$10,030

Auto-Owners Insurance Co

$2,426

$9,125

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.

Company
Annual Premium
Monthly Premium

USAA

$196

$16

USAA

$202

$17

West Bend Mutual

$203

$17

State Farm

$213

$18

Progressive

$215

$18

West Bend Mutual

$219

$18

Westfield

$225

$19

State Farm

$226

$19

Progressive

$234

$20

Westfield

$248

$21

West Bend Mutual

$253

$21

Auto-Owners Insurance Co

$258

$22

Westfield

$265

$22

Auto-Owners Insurance Co

$267

$22

USAA

$274

$23

State Farm

$276

$23

Iowa Farm Bureau

$285

$24

GEICO

$313

$26

Iowa Farm Bureau

$320

$27

American Family

$321

$27

Progressive

$326

$27

Western National

$329

$27

American Family

$333

$28

GEICO

$340

$28

Western National

$342

$29

Grinnell Mutual

$347

$29

IMT Insurance Company

$352

$29

Grange Insurance

$357

$30

American Family

$358

$30

IMT Insurance Company

$359

$30

Travelers

$360

$30

Iowa Farm Bureau

$361

$30

Grange Insurance

$361

$30

Auto-Owners Insurance Co

$380

$32

Travelers

$385

$32

GEICO

$385

$32

Farmers

$387

$32

Grange Insurance

$397

$33

Farmers

$398

$33

Grinnell Mutual

$409

$34

Travelers

$411

$34

Allstate

$469

$39

Allstate

$478

$40

Farmers

$478

$40

State Farm

$509

$42

Grinnell Mutual

$518

$43

IMT Insurance Company

$525

$44

Allstate

$544

$45

Western National

$553

$46

State Farm

$560

$47

West Bend Mutual

$560

$47

West Bend Mutual

$564

$47

USAA

$583

$49

USAA

$613

$51

American Family

$637

$53

Westfield

$666

$55

Auto-Owners Insurance Co

$668

$56

West Bend Mutual

$673

$56

GEICO

$673

$56

Iowa Farm Bureau

$673

$56

GEICO

$681

$57

Westfield

$683

$57

American Family

$705

$59

State Farm

$716

$60

Auto-Owners Insurance Co

$719

$60

American Family

$739

$62

Allstate

$740

$62

IMT Insurance Company

$743

$62

Progressive

$745

$62

Travelers

$767

$64

Allstate

$778

$65

Iowa Farm Bureau

$778

$65

Travelers

$779

$65

IMT Insurance Company

$786

$66

Grange Insurance

$794

$66

Farmers

$812

$68

USAA

$829

$69

Progressive

$849

$71

Farmers

$874

$73

GEICO

$876

$73

Grange Insurance

$877

$73

Iowa Farm Bureau

$894

$75

Westfield

$920

$77

Travelers

$923

$77

Grinnell Mutual

$939

$78

Allstate

$965

$80

Grange Insurance

$976

$81

Western National

$1,007

$84

Auto-Owners Insurance Co

$1,014

$85

IMT Insurance Company

$1,029

$86

Farmers

$1,058

$88

Western National

$1,104

$92

Grinnell Mutual

$1,145

$95

Progressive

$1,187

$99

Grinnell Mutual

$1,546

$129

Western National

$1,793

$149

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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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

Has high scores for affordability and customer service

Offers roadside assistance and classic car coverages

cons

Has few coverage options

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

Has a high claims management and customer satisfaction rating

Offers rental car and/or travel reimbursement coverage

cons

Offers fewer coverage options than some of its competitors

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

Has the cheapest rates at $203 per year

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

Has high ratings for customer satisfaction

cons

Offers few coverage options

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 is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark 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 economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.