Compare West Des Moines, IA Car Insurance Rates (2021)

Car insurance in West Des Moines, IA averages $242 a month. West 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 West Des Moines car insurance rates, compare quotes from the top car insurance companies in West 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 West Des Moines, IA are $2,905/year
  • The cheapest ZIP code in West Des Moines is 50265
  • The cheapest car insurance company in West Des Moines is USAA

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

You’ll find West Des Moines car insurance rates, the cheapest West Des Moines, IA car insurance companies, and information on Iowa car insurance laws. You can also compare West Des Moines, Iowa car insurance rates to Davenport car insurance rates, Cedar Rapids car insurance rates, and Des Moines car insurance rates.

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

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

How do age, gender, and marital status affect West Des Moines, IA car insurance rates? Every West 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 West 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 $1,972 $1,878 $1,768 $1,795 $6,023 $6,829 $2,121 $2,174
American Family $1,761 $1,761 $1,586 $1,586 $4,885 $6,741 $1,761 $2,105
Farmers $1,638 $1,671 $1,463 $1,615 $5,132 $5,492 $2,230 $2,365
GEICO $1,694 $1,519 $1,573 $1,455 $3,976 $3,686 $1,559 $1,421
Liberty Mutual $2,054 $2,216 $1,831 $2,226 $11,085 $12,457 $2,329 $2,554
Nationwide $1,741 $1,774 $1,560 $1,648 $4,257 $5,438 $2,000 $2,159
Progressive $1,488 $1,404 $1,233 $1,283 $4,158 $4,670 $1,790 $1,949
State Farm $1,368 $1,368 $1,232 $1,232 $4,143 $5,203 $1,548 $1,784
Travelers $2,176 $2,215 $2,149 $2,147 $10,165 $16,208 $2,280 $2,637
USAA $1,147 $1,146 $1,065 $1,067 $3,270 $3,436 $1,363 $1,497

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Minimum Car Insurance in West Des Moines, IA

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

Minimum Required Car Insurance Coverage in West 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 West Des Moines, IA Car Insurance Rates by Credit Score

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

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

Insurance Company Poor Fair Good
Allstate $3,667 $2,915 $2,628
American Family $3,532 $2,592 $2,195
Farmers $3,097 $2,572 $2,434
GEICO $2,534 $2,110 $1,687
Liberty Mutual $6,510 $4,075 $3,196
Nationwide $3,105 $2,463 $2,149
Progressive $2,612 $2,156 $1,972
State Farm $3,183 $1,969 $1,553
Travelers $5,600 $4,805 $4,586
USAA $2,280 $1,586 $1,380

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

Annual West Des Moines, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,581 $3,153 $3,634 $2,912
American Family $2,002 $2,941 $3,801 $2,350
Farmers $2,302 $2,855 $2,905 $2,742
GEICO $1,556 $2,228 $2,990 $1,668
Liberty Mutual $3,956 $4,934 $4,987 $4,499
Nationwide $1,884 $2,673 $3,611 $2,120
Progressive $1,791 $3,010 $1,948 $2,238
State Farm $2,040 $2,430 $2,235 $2,235
Travelers $3,618 $4,869 $6,532 $4,969
USAA $1,326 $1,803 $2,338 $1,527

Cheapest West Des Moines, IA Car Insurance for Teen Drivers

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

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

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,023 $6,829
American Family $4,885 $6,741
Farmers $5,132 $5,492
GEICO $3,976 $3,686
Liberty Mutual $11,085 $12,457
Nationwide $4,257 $5,438
Progressive $4,158 $4,670
State Farm $4,143 $5,203
Travelers $10,165 $16,208
USAA $3,270 $3,436

Cheapest West Des Moines, IA Car Insurance for Seniors

Take a look at West 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 West Des Moines, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,795
American Family $1,586 $1,586
Farmers $1,463 $1,615
GEICO $1,573 $1,455
Liberty Mutual $1,831 $2,226
Nationwide $1,560 $1,648
Progressive $1,233 $1,283
State Farm $1,232 $1,232
Travelers $2,149 $2,147
USAA $1,065 $1,067

Cheapest West Des Moines, IA Car Insurance Rates After a DUI

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

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

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,634
American Family $3,801
Farmers $2,905
GEICO $2,990
Liberty Mutual $4,987
Nationwide $3,611
Progressive $1,948
State Farm $2,235
Travelers $6,532
USAA $2,338

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Cheapest West Des Moines, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in West 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 West Des Moines, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,997 $3,143
American Family $2,741 $2,806
Farmers $2,701 $2,701
GEICO $2,076 $2,145
Liberty Mutual $4,594 $4,594
Nationwide $2,572 $2,572
Progressive $2,247 $2,247
State Farm $2,180 $2,290
Travelers $4,997 $4,997
USAA $1,685 $1,812

Cheapest West Des Moines, IA Car Insurance Rates by ZIP Code

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

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

ZIP Code Average Annual Rates
50265 $2,454
50266 $2,460

The Best Cheap Car Insurance Companies in West Des Moines, IA

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

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

Insurance Company Average Annual Rates
Allstate $3,070
American Family $2,773
Farmers $2,701
GEICO $2,110
Liberty Mutual $4,594
Nationwide $2,572
Progressive $2,247
State Farm $2,235
Travelers $4,997
USAA $1,749

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Category Winners: Cheapest Car Insurance in West Des Moines, Iowa

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

Best Annual Car Insurance Rates by Company in West 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 USAA

Cheapest West Des Moines, IA Car Insurance Rates by Coverage Level

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

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

Insurance Company Low Medium High
Allstate $2,951 $3,074 $3,184
American Family $2,744 $2,931 $2,645
Farmers $2,568 $2,710 $2,824
GEICO $1,967 $2,111 $2,253
Liberty Mutual $4,398 $4,588 $4,796
Nationwide $2,656 $2,573 $2,487
Progressive $2,104 $2,259 $2,378
State Farm $2,095 $2,252 $2,357
Travelers $4,690 $5,073 $5,228
USAA $1,639 $1,756 $1,851

What affects car insurance rates in West Des Moines, Iowa?

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

Commute Time in West Des Moines

The more time you spend in your car the higher the risk of an accident. The average commute length in West Des Moines, IA is 17.0 minutes according to City-Data.

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Compare Car Insurance Quotes in West Des Moines, IA

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