Compare Des Moines, IA Car Insurance Rates (2021)

The average annual car insurance rates in Des Moines, IA are around $3,211. The cheapest car insurance company in Des Moines, IA is USAA, although rates will vary for each person. Des Moines, IA car insurance must meet the state minimum requirements with coverage levels of 20/40/15 for liability and property damage.

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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: Aug 5, 2021

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Here’s What you Need to Know

  • The average annual car insurance rate for Des Moines, IA is $3,211
  • The cheapest car insurance company in Des Moines, IA is USAA, and the second cheapest is GEICO
  • Des Moines rates are affected by the traffic that is shared with Ames and Indianola
  • The average commute time for Des Moines is 18 min

Des Moines, IA car insurance rates are, on average, about $200 higher than the state average.

You can save on Des Moines, Iowa car insurance by shopping around, comparing rates, and looking for discounts, and we can help. Below you’ll find information on cheap car insurance in Des Moines, IA for every age, credit history, and driving record.

Monthly Des Moines, IA Car Insurance Rates by ZIP Code

ZIP codes will play a major role in your car insurance rates because factors like crime and traffic are calculated by ZIP code. Check out the monthly Des Moines, Iowa auto insurance rates by ZIP Code below:

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Des Moines, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Des Moines, Iowa stack up against other top US metro areas’ auto insurance rates? We’ve got your answer below.

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Ready to find affordable car insurance in Des Moines, IA? Enter your ZIP code above to get started.

What is the cheapest car insurance company in Des Moines, IA?

The cheapest car insurance company in Des Moines, IA, based on average rates, is USAA; however, USAA offers car insurance only to those affiliated with the military. GEICO offers the second-cheapest car insurance rates.

Which Des Moines, IA car insurance company has the best rates? And how do those rates compare against the average Iowa car insurance company rates? We’ve got the answers below.

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The top car insurance companies in Des Moines, IA, ranked from cheapest to most expensive are:

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

There are a lot of factors that determine your car insurance rates. The cheapest company for you will depend on your personal factors, including what part of the city you call home, your driving record, what kind of car you drive, and the coverage level you choose.

Des Moines, IA car insurance rates by company and age is an essential comparison because the top car insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Des Moines car insurance rates. Find the cheapest Des Moines, IA car insurance rates by coverage level below:

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Your credit score will play a significant role in your Des Moines car insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Des Moines, IA car insurance rates by credit score below.

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Your driving record will play a major role in your Des Moines car insurance rates. For example, other factors aside, a Des Moines, IA DUI may increase your car insurance rates 40 to 50 percent. Find the cheapest Des Moines, IA car insurance rates by driving record.

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Factors affecting car insurance rates in Des Moines, IA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Des Moines, Iowa car insurance.

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These states are no longer using gender to calculate your car insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a major factor because young drivers are often considered high-risk. Des Moines, IA does use gender, so check out the average monthly car insurance rates by age and gender in Des Moines, IA.

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What car insurance coverage is required in Des Moines, IA?

All Des Moines drivers have to meet the Iowa state law minimum requirements to buy car insurance.

In Iowa, you have to carry at least:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $15,000 per incident for property damage

It’s recommended that most drivers carry more than the state minimum.

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What affects car insurance rates in Des Moines, IA?

Since cities in Iowa are so spread apart, it’s more valuable to make comparisons to rates of cities that surround a larger city; therefore, we’ve included the two cities from which many people are commuting in order to get to work in Des Moines.

Des Moines is the largest city in Iowa. Let’s take a look at how Des Moines car insurance rates compare to other cities in Iowa.

Council Bluffs, IA — $3,605 (most expensive)
Indianola, IA — $3,021
Des Moines, IA — $3,211
Ames, IA — $2,659
Coralville, IA — $2,598 (cheapest)

It appears that auto insurance is cheaper in Ames compared to Indianola, but both Ames and Indianola are cheaper than Des Moines.

INRIX ranks Des Moines as the 196th-most congested city in the U.S. Des Moines isn’t surrounded by many other big Iowa cities.

City-Data reports an average commute time for Des Moines is 18 minutes.

Car theft also affects rates in Des Moines. The FBI’s most recent annual statistics report 1,260 car thefts in Des Moines with a city population of 217,277. That’s a rate of 580 cars stolen per 100,000 population.

Des Moines, IA Car Insurance: The Bottom Line

Des Moines has about the same rates as the state average when compared to other cities of its size in Iowa, but you can still save by shopping around and comparing.

Before you buy car insurance in Des Moines, IA, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Des Moines, IA car insurance quotes.

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

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Des Moines, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Des Moines, IA Car Insurance Rates by Company vs. City Average
Des Moines, IA Car Insurance Rates by Company and Age
The Cheapest Des Moines, IA Car Insurance Rates by Coverage Level
The Cheapest Des Moines, IA Car Insurance Rates by Credit Score
The Cheapest Des Moines, IA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Des Moines, IA
Average Monthly Car Insurance Rates by Age & Gender in Des Moines, IA
Des Moines, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Des Moines, IA Car Insurance Rates by Company vs. City Average
Des Moines, IA Car Insurance Rates by Company and Age
The Cheapest Des Moines, IA Car Insurance Rates by Coverage Level
The Cheapest Des Moines, IA Car Insurance Rates by Credit Score
The Cheapest Des Moines, IA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Des Moines, IA
Average Monthly Car Insurance Rates by Age & Gender in Des Moines, IA