Compare Des Moines, IA Car Insurance Rates (2021)

Car insurance in Des Moines, IA averages $268 a month. Des Moines, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Des Moines car insurance rates, compare quotes from the top car insurance companies in Des Moines, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Des Moines, IA after a DUI are $3,871/year
  • The cheapest ZIP code in Des Moines is 50322
  • The cheapest car insurance company in Des Moines for teen drivers is USAA

If you need to buy Des Moines, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Des Moines, IA is right here.

You’ll find Des Moines car insurance rates, the cheapest Des Moines, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Des Moines, Iowa car insurance rates to Davenport car insurance rates, Sioux City car insurance rates, and Council Bluffs car insurance rates.

Ready to find affordable Des Moines, IA car insurance today? Enter your ZIP code for fast, free Des Moines car insurance quotes.

Cheapest Des Moines, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Des Moines, IA car insurance rates? Every Des Moines, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Des Moines, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,971 $1,876 $1,767 $1,794 $6,022 $6,828 $2,120 $2,172
American Family $1,939 $1,939 $1,745 $1,745 $5,364 $7,419 $1,939 $2,322
Farmers $1,723 $1,757 $1,540 $1,694 $5,363 $5,728 $2,343 $2,495
GEICO $1,694 $1,519 $1,573 $1,455 $3,976 $3,686 $1,559 $1,421
Liberty Mutual $2,226 $2,405 $1,984 $2,416 $11,925 $13,412 $2,524 $2,770
Nationwide $1,899 $1,935 $1,699 $1,797 $4,652 $5,950 $2,181 $2,357
Progressive $1,766 $1,670 $1,461 $1,523 $4,848 $5,452 $2,121 $2,305
State Farm $1,504 $1,504 $1,355 $1,355 $4,576 $5,744 $1,703 $1,966
Travelers $2,654 $2,701 $2,627 $2,629 $12,816 $20,627 $2,782 $3,196
USAA $1,253 $1,253 $1,161 $1,164 $3,606 $3,791 $1,495 $1,643

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Minimum Car Insurance in Des Moines, IA

Every driver must carry the minimum car insurance in Des Moines, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Des Moines, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Des Moines, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Des Moines, IA. Compare credit history car insurance rates in Des Moines from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Des Moines, Iowa

Insurance Company Poor Fair Good
Allstate $3,665 $2,914 $2,628
American Family $3,888 $2,854 $2,412
Farmers $3,245 $2,695 $2,551
GEICO $2,534 $2,110 $1,687
Liberty Mutual $7,035 $4,394 $3,445
Nationwide $3,394 $2,688 $2,344
Progressive $3,078 $2,535 $2,317
State Farm $3,509 $2,170 $1,711
Travelers $7,000 $6,015 $5,747
USAA $2,508 $1,741 $1,513

Cheapest Des Moines, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Des Moines, IA to rates for a clean record with top companies.

Annual Des Moines, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,580 $3,152 $3,633 $2,910
American Family $2,205 $3,224 $4,188 $2,589
Farmers $2,411 $2,993 $3,044 $2,873
GEICO $1,556 $2,228 $2,990 $1,668
Liberty Mutual $4,267 $5,324 $5,385 $4,854
Nationwide $2,052 $2,920 $3,951 $2,312
Progressive $2,107 $3,535 $2,294 $2,637
State Farm $2,247 $2,680 $2,464 $2,464
Travelers $4,520 $6,097 $8,194 $6,205
USAA $1,455 $1,980 $2,571 $1,677

Cheapest Des Moines, IA Car Insurance for Teen Drivers

Teen car insurance in Des Moines, IA can be expensive. Take a look at rates from the top car insurance companies in Des Moines for teenagers.

Annual Car Insurance Rates for Teen Drivers in Des Moines, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,022 $6,828
American Family $5,364 $7,419
Farmers $5,363 $5,728
GEICO $3,976 $3,686
Liberty Mutual $11,925 $13,412
Nationwide $4,652 $5,950
Progressive $4,848 $5,452
State Farm $4,576 $5,744
Travelers $12,816 $20,627
USAA $3,606 $3,791

Cheapest Des Moines, IA Car Insurance for Seniors

Take a look at Des Moines, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Des Moines, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,767 $1,794
American Family $1,745 $1,745
Farmers $1,540 $1,694
GEICO $1,573 $1,455
Liberty Mutual $1,984 $2,416
Nationwide $1,699 $1,797
Progressive $1,461 $1,523
State Farm $1,355 $1,355
Travelers $2,627 $2,629
USAA $1,161 $1,164

Cheapest Des Moines, IA Car Insurance Rates After a DUI

A DUI in Des Moines, IA increases car insurance rates. Compare Des Moines, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Des Moines, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,633
American Family $4,188
Farmers $3,044
GEICO $2,990
Liberty Mutual $5,385
Nationwide $3,951
Progressive $2,294
State Farm $2,464
Travelers $8,194
USAA $2,571

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Cheapest Des Moines, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Des Moines, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Des Moines, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,995 $3,142
American Family $3,016 $3,087
Farmers $2,830 $2,830
GEICO $2,076 $2,145
Liberty Mutual $4,958 $4,958
Nationwide $2,809 $2,809
Progressive $2,643 $2,643
State Farm $2,403 $2,524
Travelers $6,254 $6,254
USAA $1,851 $1,991

Cheapest Des Moines, IA Car Insurance Rates by ZIP Code

Des Moines car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Des Moines, IA.

Annual Car Insurance Rates by ZIP Code in Des Moines, Iowa

ZIP Code Average Annual Rates
50307 $2,846
50308 $2,823
50309 $2,857
50310 $2,730
50311 $2,727
50312 $2,691
50313 $2,589
50314 $2,866
50315 $2,706
50316 $2,728
50317 $2,680
50319 $2,778
50320 $2,708
50321 $2,698
50322 $2,476
50395 $2,680

The Best Cheap Car Insurance Companies in Des Moines, IA

Take a look at a side-by-side comparison of the top car insurance companies in Des Moines, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Des Moines, Iowa

Insurance Company Average Annual Rates
Allstate $3,069
American Family $3,051
Farmers $2,830
GEICO $2,110
Liberty Mutual $4,958
Nationwide $2,809
Progressive $2,643
State Farm $2,464
Travelers $6,254
USAA $1,921

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Category Winners: Cheapest Car Insurance in Des Moines, Iowa

Find the cheapest car insurance companies in Des Moines, IA for each category right here.

Best Annual Car Insurance Rates by Company in Des Moines, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation GEICO

Cheapest Des Moines, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Des Moines car insurance rates. Find the cheapest Des Moines, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Des Moines, Iowa

Insurance Company Low Medium High
Allstate $2,951 $3,073 $3,182
American Family $3,028 $3,224 $2,902
Farmers $2,698 $2,840 $2,953
GEICO $1,967 $2,111 $2,253
Liberty Mutual $4,738 $4,948 $5,186
Nationwide $2,898 $2,810 $2,718
Progressive $2,462 $2,656 $2,812
State Farm $2,312 $2,483 $2,596
Travelers $5,817 $6,353 $6,593
USAA $1,810 $1,928 $2,024

What affects car insurance rates in Des Moines, Iowa?

What factors can have an impact on Des Moines, IA car insurance? There are several reasons why Des Moines car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Des Moines, Iowa.

Commute Time in Des Moines

The more time you spend in your car the higher the risk of an accident. The average commute length in Des Moines, IA is 18.9 minutes according to City-Data.

Traffic in Des Moines

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Des Moines, IA traffic data from INRIX ranks Des Moines as the 858th-most congested in the world.

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Compare Car Insurance Quotes in Des Moines, IA

Ready to find affordable Des Moines, Iowa car insurance today? Enter your ZIP code for fast, free Des Moines, IA car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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