There are several considerations that factor into calculating your car insurance quote. One of the most notable factors is your location. Location-specific risks like the rate of accidents and uninsured drivers, among others, are the reason why insurance rates vary by area. The less risky it is to own a vehicle in your location, the lower your insurance costs will be. If you want to apply for car insurance in Des Moines, it’s imperative that you get a personalized quote from several different providers.
Compare the Cheapest Car Insurance Quotes in Des Moines, IA
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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.
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.
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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- CompanyAmountper year
- 1. GEICO$473
- 2. USAA$614
- 3. State Farm$616
- 4. Allied$673
- 5. Progressive$730
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.
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
- 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 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
- CompanyState Minimumper year50 / 100 / 50per year
- 1. GEICO$232$262
- 2. USAA$226$288
- 3. State Farm$273$325
- 4. Allied$300$335
- 5. Farm Bureau Mutual (IA Group)$323$349
Full Coverage
- Company50 / 100 / 50per year100 / 300 / 100per year
- 1. GEICO$438$473
- 2. USAA$562$614
- 3. State Farm$574$616
- 4. Allied$667$673
- 5. Farm Bureau Mutual (IA Group)$690$736
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.
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.
- CompanySpeeding Ticketper yearAt-Fault Accidentper yearDUIper year
- 1. GEICO$493$687$944
- 2. State Farm$671$725$671
- $754$754$754
- 4. USAA$752$893$996
- 5. Progressive$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.
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
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.
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