In Des Moines, the average full coverage car insurance costs $88 per month. Depending on your policy, vehicle, and driver details, costs can range from $82 to $250 monthly. To help residents better understand what they might pay, the table below outlines average car insurance costs for various driver profiles.
Des Moines, IA Car Insurance
Updated: March 31, 2025
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Cheapest Car Insurance in Des Moines: Key Takeaways
In Des Moines, West Bend Mutual and American Family are among the cheapest car insurance providers, offering competitive rates for various driver profiles and coverage needs.
American Family offers the lowest car insurance rates in the city, with minimum coverage costing $22 per month and full coverage at $60 per month.
On average, car insurance in the city costs $36 per month for minimum coverage and $88 for full coverage, though these rates can vary based on the driver's profile.
Car Insurance Quotes in Des Moines, IA
| Young Drivers | $44 | $109 |
| Teens | No Data | $250 |
| Seniors | $34 | $77 |
| Drivers With a Speeding Ticket | $43 | $104 |
| Drivers With a DUI | $61 | $146 |
| Drivers With An Accident | $48 | $115 |
| Bad Credit | $61 | $152 |
Because insurers calculate premiums differently, for the most accurate estimate, you'll need to get quotes from multiple providers.
Des Moines, vs. State Average
Idaho
State Average Full Coverage Rate
$1,043
Des Moines, ID
City Average Full Coverage Rate
$1,051More:$8 more
This is 1% more expensive.
What Is the Average Car Insurance Rate in Des Moines?
In Des Moines, the average car insurance costs $1,051 per year for full coverage and $430 for state minimum. These rates are slightly higher than Iowa's state averages, which are $1,043 for full coverage and $374 for minimum coverage.
| State Average | $356 | $993 |
| Des Moines Average | $408 | $995 |
Cheapest Car Insurance Companies in Des Moines
Premiums may be rising in Iowa, but you can still find affordable car insurance in Des Moines. West Bend Mutual offers the cheapest minimum coverage at $22 per month. For full coverage, American Family provides the best rate at $60 monthly.
WHY CAR INSURANCE IN DES MOINES IS EXPENSIVE
Car insurance can be pricey in Des Moines due to traffic density and accident rates. The city stands at a notable ranking among Iowa cities for insurance costs. Statewide, factors like a high number of uninsured drivers, frequent personal injury lawsuits, and insurance fraud also drive up premiums.
Cheap Car Insurance in Des Moines
West Bend Mutual offers the cheapest minimum coverage for many, but costs vary by driver. To find the most affordable insurance, get quotes from several providers. Below is a table with the cheapest car insurance rates for different driver profiles.
| West Bend Mutual | Minimum Coverage | $22 |
| American Family | Full Coverage | $60 |
| State Farm | Teens | $159 |
| American Family | Young Adults | $47 |
| American Family | Seniors | $41 |
| Grange Insurance | Bad Credit | $61 |
| American Family | Drivers With a DUI | $52 |
| American Family | Drivers With An Accident | $44 |
| American Family | Drivers With a Speeding Ticket | $52 |
Car Insurance Rates in Des Moines by Company
Finding cheap car insurance in Des Moines means comparing rates. Below, we detail the most affordable plans for state minimum and full coverage options.
Cheapest Car Insurance Companies for Minimum Coverage in Des Moines
West Bend Mutual offers the cheapest minimum coverage auto insurance at $22 per month. Progressive follows closely with a rate of $23 monthly. See the breakdown of the cheapest options in the table below.
| West Bend Mutual | $22 | $14 |
| Progressive | $23 | $13 |
| Westfield | $24 | $12 |
| Grange Insurance | $27 | $9 |
| GEICO | $28 | $8 |
| American Family | $28 | $7 |
| State Farm | $29 | $7 |
| Travelers | $30 | $6 |
| Auto-Owners Insurance Co | $33 | $3 |
Cheapest Car Insurance Companies for Full Coverage in Des Moines
American Family offers the cheapest full coverage car insurance in Des Moines at $60 per month. Explore more providers in the list below for additional options.
| American Family | $60 | $28 |
| GEICO | $61 | $27 |
| Travelers | $63 | $25 |
| West Bend Mutual | $64 | $23 |
| Grange Insurance | $66 | $21 |
| State Farm | $74 | $14 |
| Westfield | $76 | $11 |
| Auto-Owners Insurance Co | $81 | $7 |
| Progressive | $82 | $6 |
| IMT Insurance Company | $85 | $3 |
Car Insurance Companies in Des Moines
To find affordable car insurance in Des Moines, get quotes from multiple providers. West Bend Mutual offers the cheapest rate at $519 annually, with a top MoneyGeek score of 89.5. Consider American Family as another affordable option with a score of 79.5. Check the table below for more options to explore.
| West Bend Mutual | 90 | $520 |
| Westfield | 82 | $601 |
| American Family | 79 | $530 |
| Western National | 77 | $792 |
| Auto-Owners Insurance Co | 75 | $683 |
| State Farm | 70 | $614 |
| Grinnell Mutual | 70 | $1,116 |
| Travelers | 66 | $543 |
| GEICO | 65 | $531 |
| Grange Insurance | 65 | $560 |
| Progressive | 63 | $626 |
| Farmers | 52 | $933 |
| Allstate | 48 | $957 |
| IMT Insurance Company | No Data | $769 |
| Iowa Farm Bureau | No Data | $743 |
*Rates are for a 40-year-old driver with good credit and no driving violations.
Car Insurance Cost in Des Moines by Age
Middle-aged drivers and younger seniors have the lowest car insurance rates, with pricing of $995 per year for 40-year-olds and $928 annually for 65-year-olds. Below, you can compare average rates for ages 16 to 65 in the city.
| 16 | $2,001 | $-574 |
| 17 | $1,882 | $-455 |
| 18 | $1,609 | $-182 |
| 19 | $1,545 | $-118 |
| 20 | $1,591 | $-164 |
| 21 | $1,251 | $176 |
| 22 | $1,292 | $135 |
| 23 | $1,326 | $101 |
| 24 | $1,246 | $181 |
| 25 | $1,303 | $-242 |
| 40 | $995 | $67 |
| 65 | $928 | $134 |
Cheapest Car Insurance for Teens in Des Moines
Allstate offers the cheapest overall car insurance for teens in Des Moines, with full coverage at $124 per month, saving $22 compared to the average state cost. The table below also breaks down some of the most affordable providers in the city for this age group.
| Allstate | $124 | $22 | $286 |
| GEICO | $129 | $17 | $200 |
| State Farm | $138 | $9 | $159 |
| Travelers | $142 | $5 | $244 |
| Progressive | $152 | $-6 | $330 |
| Farmers | $162 | $-16 | $341 |
| Auto-Owners Insurance Co | $179 | $-32 | $189 |
*Rates reflect 16 to 19-year-old drivers with good credit and no driving violations for full coverage policies.
Best Car Insurance Rates for Young Drivers in Des Moines
West Bend Mutual offers the best minimum coverage rate for young drivers at $28 per month, while American Family provides the most affordable full coverage at $63 monthly. Check the table below to see which providers offer the cheapest rates for different young driver profiles.
| West Bend Mutual | Minimum Coverage | $28 |
| American Family | Full Coverage | $63 |
| Grange Insurance | Bad Credit | $68 |
| American Family | Drivers With a DUI | $55 |
| American Family | Drivers With An Accident | $47 |
| American Family | Drivers With a Speeding Ticket | $55 |
Cheapest Car Insurance Companies for Young Drivers in Des Moines
American Family offers the most affordable auto insurance coverage for young drivers at $47 per month. The affordable auto insurance options vary, with other companies also providing competitive rates. The table below shows other companies with competitive rates:
| American Family | $47 | $34 |
| West Bend Mutual | $52 | $28 |
| Grange Insurance | $54 | $26 |
| Travelers | $55 | $26 |
| GEICO | $60 | $21 |
| State Farm | $65 | $16 |
| Westfield | $66 | $14 |
| Progressive | $73 | $7 |
*Rates are for 25-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Best Car Insurance Rates for Seniors in Des Moines
Progressive and American Family offer the cheapest car insurance in the city, but rates can change based on various factors. Below is a table showing the cheapest providers for different driver and coverage profiles that may better fit you.
| Progressive | Minimum Coverage | $21 |
| American Family | Full Coverage | $54 |
| Grange Insurance | Bad Credit | $57 |
| American Family | Drivers With a DUI | $48 |
| American Family | Drivers With An Accident | $41 |
| American Family | Drivers With a Speeding Ticket | $48 |
Cheapest Car Insurance Companies for Seniors in Des Moines
American Family offers the cheapest monthly premium for seniors when considering both minimum and full coverage options. West Bend Mutual follows closely with a monthly rate of $44. The table below shows top car insurance options for seniors in Des Moines.
| American Family | $41 | $18 |
| West Bend Mutual | $44 | $14 |
| Grange Insurance | $45 | $13 |
| Progressive | $46 | $12 |
| State Farm | $47 | $12 |
| Travelers | $47 | $11 |
| GEICO | $48 | $11 |
| Westfield | $51 | $8 |
| Auto-Owners Insurance Co | $55 | $4 |
*Rates are for 65-year-old drivers with good credit and no driving violations for both minimum and full coverage.
Car Insurance Cost for High-Risk Drivers in Des Moines
In Des Moines, high-risk drivers generally pay lower car insurance rates compared to the state average. For minimum coverage, the Des Moines average is $637, while the state average is $1,998. Full coverage in Des Moines averages $1,531, compared to $3,982 statewide. Drivers with bad credit and DUIs pay the most, whereas accidents and speeding tickets have a lesser impact on rates.
| State Average | $554 | $1,499 |
| Des Moines Average | $637 | $1,531 |
DRIVING OFFENSES ONLY AFFECT RATES FOR A LIMITED TIME
Most minor driving incidents, like a not-at-fault accident or speeding ticket in Des Moines, affect your insurance for a few years. For serious offenses such as DUIs, insurers may consider them longer, and you might need to file an SR-22 or FR-44 to meet your state's minimum coverage requirements.
Cheapest Auto Insurance Rates With a DUI in Des Moines
Progressive offers the cheapest minimum coverage for drivers with a DUI at $312 per year. For full coverage, American Family leads with an annual rate of $851. Check out the table below for more low-cost coverage options.
| American Family | $33 | $71 |
| State Farm | $32 | $81 |
| Progressive | $26 | $90 |
| West Bend Mutual | $43 | $121 |
| Western National | $45 | $135 |
*Rates are for a 40-year-old driver with good credit and a DUI.
Cheapest Auto Insurance Rates With an Accident in Des Moines
American Family, State Farm, and West Bend Mutual are the top three cheapest car insurance providers for those with an at-fault accident record in Des Moines. For more details on the cheapest auto insurance after an at-fault accident, check the table below. It shows various providers in Des Moines offering affordable coverage for drivers with an at-fault accident violation.
| American Family | $28 | $60 |
| State Farm | $35 | $87 |
| West Bend Mutual | $39 | $112 |
| Westfield | $40 | $113 |
| Progressive | $42 | $133 |
*Rates are for a 40-year-old driver with good credit an at-fault accident.
Cheapest Auto Insurance Rates With a Speeding Ticket in Des Moines
West Bend Mutual is the cheapest car insurance provider for drivers with a speeding ticket in Des Moines, offering minimum coverage at $29 and full coverage at $83 monthly. Check the table below to see how other providers charge drivers with a speeding ticket.
| American Family | $33 | $71 |
| State Farm | $32 | $81 |
| West Bend Mutual | $29 | $83 |
| Westfield | $29 | $92 |
| Progressive | $30 | $104 |
*Rates are for a 40-year-old driver with good credit and a speeding ticket.
Cheapest Car Insurance for Bad Credit in Des Moines
In Des Moines, the most affordable rates for drivers with bad credit are offered by Progressive for state minimum coverage at $35 per month and Grange Insurance for full coverage at $87 per month. See the table below to find other affordable options.
| Grange Insurance | $36 | $87 |
| American Family | $45 | $93 |
| GEICO | $41 | $94 |
| West Bend Mutual | $41 | $117 |
| Progressive | $35 | $136 |
*Rates are for a 40-year-old driver with bad credit and no driving violations.
Minimum Car Insurance Requirements in Des Moines, IA
In Iowa, each city requires that the car insurance minimums are set by statewide mandates. Here's what your policy needs at a minimum:
- $20,000 for bodily injury liability per person.
- $40,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
Imagine you're in a fender bender, and the damages are $10,000. Your minimum coverage will handle it, keeping you financially safe.
Cheap Car Insurance in Des Moines: Bottom Line
West Bend Mutual shines with the cheapest minimum coverage at $22, while American Family offers the lowest full coverage rate at $60. Drivers of all ages and credit histories can find suitable, budget-friendly options. Remember, your policy should cover Iowa's essentials: injury, property damage, and more. Compare and save, ensuring you're legally set without breaking the bank.
Des Moines Auto Insurance: FAQ
This section provides quick answers to common questions about finding the cheapest and best car insurance options in Des Moines.
What is the cheapest car insurance company in Des Moines, Iowa?
The cheapest car insurance company in Des Moines, Iowa is West Bend Mutual, with monthly rates for state minimum coverage at $22.
What is the best car insurance company in Des Moines, Iowa?
IMT Insurance Company is highly regarded in Des Moines, with competitive annual premiums for state minimum coverage at $769.
How much does car insurance cost on average in Des Moines?
Average monthly rates for minimum coverage insurance in Des Moines range from $36 to $64.
Best Cheap Car Insurance in Des Moines: Our Methodology
MoneyGeek conducted an analysis of Des Moines auto insurance prices using data from the Idaho Department of Insurance and Quadrant Information Services.
Des Moines Driver Profile
To assess the best and most affordable auto insurance options for Des Moines residents, MoneyGeek used the following sample driver profile:
- 40-year-old male
- Clean driving history
- 2012 Toyota Camry LE
- 12,000 miles driven per year
By altering variables such as age, driving records and military status, MoneyGeek also found the top insurers for different types of drivers.
Coverage Levels in Des Moines
In assessing the car insurance quotes for Des Moines, we gathered data for both minimum and full coverage policies, ensuring each insurer conformed to Iowa's mandated liability insurance parameters:
The minimum coverage requirements in Iowa are:
- $20,000 for bodily injury liability per person.
- $40,000 for bodily injury liability per accident.
- $15,000 for property damage liability per accident.
To assess rates for full coverage policies, MoneyGeek upped the coverage amounts to these limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a deductible of $1,000
MoneyGeek’s Scoring System
MoneyGeek scored insurers on a scale of zero to 100, factoring in customer satisfaction, cost-effectiveness, claims management, coverage options and financial stability.
Insurers received scores as indicated below, with a total possible score of 100 points:
- General customer satisfaction (up to 35 points)
- Affordability (up to 30 points)
- Claims experience (up to 20 points)
- Essential coverages (up to 10 points)
- Financial stability (up to five points)
MoneyGeek’s Sources
To gauge rates and assess the best service experiences among Iowa providers, MoneyGeek utilized six sources:
- Quadrant Information Services provided actual policy quotes in Des Moines
- J.D. Power's studies and the NAIC index contributed to the assessment of customer service
- Claims experience metrics came from J.D. Power and the CRASH Network’s report card
- AM Best and Demotech offered financial stability insights through their ratings
MoneyGeek gathered 50,284 quotes for the average driver across various ages, driving a Toyota Camry with a clean record, barring specific exceptions. Our study evaluated 14 insurance companies in Des Moines. Learn more about our findings and MoneyGeek's methodology.
About Mark Fitzpatrick
Mark Fitzpatrick, a Licensed Property and Casualty Insurance Producer, is MoneyGeek's resident Personal Finance Expert. With over five years of experience analyzing the insurance market, he conducts original research and creates tailored content for all types of buyers. His insights have been featured in publications like CNBC, NBC News and Mashable.
Fitzpatrick holds a master’s degree in economics and international relations from Johns Hopkins University and a bachelor’s degree from Boston College. He's also a five-time Jeopardy champion!
Passionate about economics and insurance, he aims to promote transparency in financial topics and empower others to make confident money decisions.