Compare Des Moines, WA Car Insurance Rates (2021)

Car insurance in Des Moines, WA averages $308 a month. Des Moines, Washington car insurance requirements are 25/50/10, 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, WA.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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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, WA are $3,694/year
  • The cheapest car insurance company in Des Moines is USAA
  • Average car insurance rates in Des Moines, WA after a DUI are $4,298/year

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

You’ll find Des Moines car insurance rates, the cheapest Des Moines, WA car insurance companies, and information on Washington car insurance laws. You can also compare Des Moines, Washington car insurance rates to Vancouver car insurance rates, Renton car insurance rates, and Spokane car insurance rates.

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

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

How do age, gender, and marital status affect Des Moines, WA car insurance rates? Every Des Moines, Washington 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, Washington

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 $2,417 $2,388 $2,233 $2,346 $8,873 $10,298 $2,572 $2,673
American Family $2,702 $2,702 $2,469 $2,469 $10,344 $14,072 $2,702 $3,598
Farmers $2,710 $2,785 $2,480 $2,831 $6,303 $6,786 $3,424 $3,522
GEICO $2,014 $2,049 $1,888 $1,888 $4,395 $5,727 $3,412 $2,473
Liberty Mutual $2,022 $2,210 $1,809 $2,131 $11,456 $12,577 $2,151 $2,333
Nationwide $1,724 $1,763 $1,602 $1,668 $4,773 $5,796 $2,071 $2,233
Progressive $1,895 $1,764 $1,713 $1,731 $9,723 $10,894 $2,261 $2,241
State Farm $1,973 $1,973 $1,780 $1,780 $5,800 $7,334 $2,250 $2,582
USAA $1,250 $1,231 $1,213 $1,211 $5,605 $6,590 $1,583 $1,733

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Minimum Car Insurance in Des Moines, WA

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

Minimum Required Car Insurance Coverage in Des Moines, Washington

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $25,000 per person
$50,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Des Moines, WA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Des Moines, WA. 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, Washington

Insurance Company Poor Fair Good
Allstate $5,220 $4,013 $3,441
American Family $6,056 $4,947 $4,393
Farmers $4,674 $3,569 $3,322
GEICO $3,548 $2,839 $2,555
Liberty Mutual $6,554 $4,040 $3,165
Nationwide $3,228 $2,525 $2,358
Progressive $4,428 $3,961 $3,693
State Farm $4,629 $2,772 $2,151
USAA $3,217 $2,360 $2,079

Cheapest Des Moines, WA 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, WA to rates for a clean record with top companies.

Annual Des Moines, Washington Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,529 $4,450 $4,953 $3,967
American Family $4,107 $5,274 $6,101 $5,046
Farmers $3,195 $3,991 $4,260 $3,975
GEICO $2,306 $2,942 $4,368 $2,306
Liberty Mutual $3,908 $4,936 $5,024 $4,477
Nationwide $2,097 $2,846 $3,577 $2,295
Progressive $3,256 $5,125 $3,797 $3,932
State Farm $2,888 $3,480 $3,184 $3,184
USAA $1,866 $2,717 $3,416 $2,209

Cheapest Des Moines, WA Car Insurance for Teen Drivers

Teen car insurance in Des Moines, WA 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, Washington

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $8,873 $10,298
American Family $10,344 $14,072
Farmers $6,303 $6,786
GEICO $4,395 $5,727
Liberty Mutual $11,456 $12,577
Nationwide $4,773 $5,796
Progressive $9,723 $10,894
State Farm $5,800 $7,334
USAA $5,605 $6,590

Cheapest Des Moines, WA Car Insurance for Seniors

Take a look at Des Moines, WA 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, Washington

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,233 $2,346
American Family $2,469 $2,469
Farmers $2,480 $2,831
GEICO $1,888 $1,888
Liberty Mutual $1,809 $2,131
Nationwide $1,602 $1,668
Progressive $1,713 $1,731
State Farm $1,780 $1,780
USAA $1,213 $1,211

Cheapest Des Moines, WA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $4,953
American Family $6,101
Farmers $4,260
GEICO $4,368
Liberty Mutual $5,024
Nationwide $3,577
Progressive $3,797
State Farm $3,184
USAA $3,416

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Cheapest Des Moines, WA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Des Moines, WA 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, Washington

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,225 $4,225
American Family $5,028 $5,236
Farmers $3,855 $3,855
GEICO $2,943 $3,018
Liberty Mutual $4,586 $4,586
Nationwide $2,704 $2,704
Progressive $4,027 $4,027
State Farm $3,095 $3,273
USAA $2,527 $2,577

The Best Cheap Car Insurance Companies in Des Moines, WA

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

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

Insurance Company Average Annual Rates
Allstate $4,225
American Family $5,132
Farmers $3,855
GEICO $2,981
Liberty Mutual $4,586
Nationwide $2,704
Progressive $4,027
State Farm $3,184
USAA $2,552

Category Winners: Cheapest Car Insurance in Des Moines, Washington

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

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

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

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Cheapest Des Moines, WA 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, WA car insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $3,994 $4,212 $4,468
American Family $4,834 $5,126 $5,435
Farmers $3,562 $3,856 $4,148
GEICO $2,779 $2,982 $3,180
Liberty Mutual $4,285 $4,595 $4,878
Nationwide $2,549 $2,703 $2,859
Progressive $3,604 $3,905 $4,574
State Farm $2,954 $3,200 $3,398
USAA $2,369 $2,552 $2,735

What affects car insurance rates in Des Moines, Washington?

What factors can have an impact on Des Moines, WA 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, Washington.

Car Theft in Des Moines

High levels of vehicle theft can make car insurance more expensive. Des Moines, WA car theft statistics from the FBI indicate 243 vehicle thefts a year.

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, WA is 30.8 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, WA traffic data from INRIX ranks Des Moines as the 858th-most congested in the world.

Compare Car Insurance Quotes in Des Moines, WA

Ready to find affordable Des Moines, Washington car insurance today? Enter your ZIP code for fast, free Des Moines, WA 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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