American Family offers the best home insurance in Des Moines, balancing affordability, customer service and coverage options. For those prioritizing price, American Family also provides the lowest premium at $160 per month.
Cheap Home Insurance in Des Moines
Updated: June 10, 2025
Advertising & Editorial Disclosure
Key Takeaways
In Des Moines, American Family is the best overall home insurance provider and also offers the cheapest average rate of $1,924 per year.
Homeowners in Des Moines pay around $536 per month, totaling $6,429 annually, for home insurance.
To secure the best and most affordable home insurance, determine your coverage needs, explore different providers and compare quotes thoroughly.
Best Cheap Home Insurance Companies in Des Moines
| American Family | 93 | $160 | $1,924 |
| State Farm | 90 | $243 | $2,919 |
| Nationwide | 82 | $222 | $2,669 |
| Farmers | 71 | $552 | $6,627 |
| Allstate | 66 | $456 | $5,477 |
*Rates are for a 2,500-square-foot home with $250,000 in dwelling coverage and a $1,000 deductible, built in 2000.
How Much Does Des Moines Home Insurance Cost?
Home insurance rates in Des Moines depend on factors like your home’s age, chosen coverage and personal profile. Costs range from $211 to $1,637 per month. Use the table below to explore rates tailored to your situation.
Data filtered by:Results filtered by:
Select
Age of Home:Newer Home
Select
Coverage Level:$100K Dwelling / $50K Personal Property / $100K Liability
| $100K Dwelling / $50K Personal Property / $100K Liability | $211 | $2,530 |
How to Get the Best Cheap Home Insurance in Des Moines
Finding affordable home insurance in Des Moines can be challenging. We've created a step-by-step guide to help you identify the best options for your budget and needs.
- 1
Decide on Coverage Beforehand
Determining your home insurance coverage needs beforehand helps you compare quotes fairly and prevents being upsold by agents.
- 2
Research Cost and Discounts
Research average home insurance costs in Iowa for your city and profile to gauge potential savings. Understanding available discounts helps you find insurers offering lower rates.
- 3
Compare Company Offerings and Reputations
Evaluate add-on coverages and company reputation beyond just pricing to make a well-rounded decision. Use resources like J.D. Power, the NAIC, Reddit and Trustpilot to assess reviews and service quality.
- 4
Compare Many Quotes Through Multiple Means
Comparing multiple quotes from various sources allows you to identify the cheapest option for equivalent coverage. Prices may vary based on the source, so try online tools, independent agents and captive agents.
Best Home Insurance in Des Moines: Bottom Line
The best and most affordable home insurance companies in Des Moines are American Family, State Farm and Nationwide. While these are our recommendations, comparing multiple quotes on your own is the smartest way to ensure you're getting the best rate.
Des Moines Home Insurance: FAQ
Below, we answer common home insurance questions for residents of Des Moines.
Who offers the best home insurance in Des Moines?
We recommend American Family as the best home insurance provider in Des Moines for its affordable pricing, excellent service and broad selection of add-ons. We also recommend getting quotes from State Farm, Nationwide, Farmers and Allstate.
Who has the cheapest home insurance in Des Moines?
American Family offers the most affordable home insurance in Des Moines at around $160 monthly or $1,924 annually. Rates can vary based on individual profiles, home details and coverage preferences.
What does home insurance cost in Des Moines?
Home insurance costs in Des Moines range from $2,530 to $19,646 annually, based on coverage and home age.
How We Decided the Best Cheap Home Insurance Companies in Des Moines
MoneyGeek’s study analyzed home insurance premiums from 10 companies in Des Moines. The data used was provided in partnership with Quadrant. The customer satisfaction scores used in this study were drawn from J.D. Power surveys. To calculate affordability scores, quotes were collected for a home with varying coverage levels.
In this analysis, MoneyGeek used a base profile for a homeowner with a 2,500 square foot home built in 2000 with dwelling coverage of $250,000, personal property coverage of $100,000, and liability coverage of $100,000. All the policies had the same deductible of $1,000.
Other quotes were also collected for homeowners with newly constructed homes, increased dwelling or personal property coverage, higher deductibles, and poor credit scores.
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.