Des Moines, IA Auto Insurance (2024)
The cheapest auto insurance in Des Moines, IA is from GEICO, although rates will vary for each driver. Although drivers in Iowa don’t have to carry auto insurance, the minimum requirements for those that do are 20/40/15. Compare Des Moines, IA auto insurance rates online to find the best deal for you.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 18, 2023
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident auto insurance decisions. Comparison shopping should be easy. We are not affiliated with any one auto insurance provider and cannot guarantee quotes from any single provider. Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from many different companies please enter your ZIP code on this page to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest auto insurance company in Des Moines, IA is Geico
- Des Moines is the capital and most populated city in Iowa
- Auto insurance in Iowa is much lower than the national average, and Des Moines has one of the cheapest auto insurance rates in the state
Auto insurance in Des Moines, IA is pretty inexpensive, even if it is the largest city in the state. In fact, Iowa auto insurance rates fall below the national average. This makes it pretty easy to find cheap auto insurance in Des Moines.
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 Demoines, 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.
In order to find the most affordable auto insurance in Des Moines, IA, shop around and compare quotes.
Enter your ZIP code now to compare auto insurance quotes in Des Moines, IA, and find the best coverage for you.
What is the cheapest auto insurance company in Des Moines, IA?
Although USAA comes in as the cheapest auto insurance company in Des Moines, it only offers coverage to the military, veterans, and their family members. The cheapest company that offers coverage to everyone is Geico.
Which Des Moines, IA 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.
These are the top-rated auto insurance companies in Des Moines, IA, ranked from cheapest to most expensive:
- USAA – $1,920.73
- Geico – $2,110.32
- State Farm – $2,463.51
- Progressive – $2,643.34
- Nationwide – $2,808.64
- Farmers – $2,830.33
- American Family – $3,051.45
- Allstate – $3,068.71
- Liberty Mutual – $4,957.66
- Travelers – $6,254.09
Rates will vary based on different factors such as age, gender, marital status, driving record, ZIP code, and credit score.
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.
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:
Your credit score will play a significant role in your Des Moines, IA 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.
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.
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.
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. IA does use gender, so check out the average monthly car insurance rates by age and gender in Des Moines, IA.
What auto insurance coverage is required in Des Moines, IA?
Iowa is one of the few states that does not require auto insurance. However, if you choose not to carry insurance, you will have to provide proof of financial responsibility if you are in an accident.
Basically, this means that you have to show that you can afford to pay for any damages and injuries resulting in the crash.
For those that choose to carry insurance, the auto insurance minimums required by Iowa are:
- $20,000 per person and $40,000 per incident for bodily injury liability
- $15,000 per incident for property damage
This is not a lot of coverage, and you could exhaust it quickly in a serious accident. That would leave you to pay for anything not covered.
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What affects auto insurance rates in Des Moines, IA?
Traffic and auto theft also play a part in determining your auto insurance rates in Des Moines, IA.
INRIX ranks Des Moines as the 196th most congested city in the U.S. Although Des Moines is the capital of Iowa, traffic doesn’t seem to be much of an issue.
City-Data reports that drivers in Des Moines, IA spend an average of 25 minutes or less on their commute.
According to the FBI, 1,260 vehicles were stolen in Des Moines. That equals about one theft for every 172 people.
Des Moines, IA Auto Insurance: The Bottom Line
Drivers in Des Moines enjoy lower than average auto insurance rates. But, before you buy auto insurance in Des Moines, IA, shop around to get the best deal.
Enter your ZIP code now to compare auto insurance rates in Des Moines, IA.
Frequently Asked Questions
What factors can affect my auto insurance premiums?
Several factors can influence your auto insurance premiums, including your driving history, age, location, type of vehicle, coverage levels, and credit score.
How does my deductible affect my insurance premium?
Generally, a higher deductible leads to a lower insurance premium, while a lower deductible results in a higher premium. Choosing a deductible amount is about finding the right balance between out-of-pocket expenses and monthly premiums.
What types of coverage should I consider for my auto insurance policy?
It’s essential to consider liability coverage, which is typically required by law, to protect against damages or injuries you may cause to others. Additionally, comprehensive and collision coverage can help protect your own vehicle from damage due to accidents, theft, or natural disasters.
Are there any discounts available to lower my insurance costs?
Yes, many insurance companies offer various discounts. Common discounts include safe driver discounts, bundling multiple policies, good student discounts, and discounts for installing safety devices in your vehicle.
What should I do if I’m involved in an accident?
If you’re involved in an accident, ensure everyone’s safety, exchange insurance information with the other party, and report the incident to your insurance company promptly. They will guide you through the claims process and help handle any necessary repairs or medical expenses.
Free Auto Insurance Comparison
Enter your ZIP code below to view companies that have cheap auto insurance rates.
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Daniel Walker
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Licensed Auto Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
