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.
bestauto insuranceDes Moines2021The 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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- CompanyAmountper year
- 1.$473
- 2.$614
- 3.$616
- 4.Allied$673
- 5.$730
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.
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
2
Auto-Owners Insurance Co
Score:98
3
GEICO
Score:93
4
Allstate
Score:85
5
Travelers
Score:85
6
Progressive
Score:85
7
Auto Club of Southern California Insurance Group
Score:83
8
State Farm
Score:80
9
American Family
Score:78
10
Safeco
Score:78
11
Liberty Mutual
Score:78
12
Farm Bureau Ins of MI
Score:75
13
Nationwide
Score:75
14
Farmers
Score:73
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:
102Cups of Coffee
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
- ItemDescription
- 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1.$232$262
- 2.$226$288
- 3.$273$325
- 4.Allied$300$335
- 5.Farm Bureau Mutual (IA Group)$323$349
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1.$438$473
- 2.$562$614
- 3.$574$616
- 4.Allied$667$673
- 5.Farm Bureau Mutual (IA Group)$690$736
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1.$493$687$944
- 2.$671$725$671
- 3.$754$754$754
- 4.$752$893$996
- 5.$920$1,267$795
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 CodeState Minimumper year
- 50317$757
- 50315$800
Insurance Providers That Serve Des Moines
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.
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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