Cheapest Car Insurance Quotes in De Soto

Finding the cheapest car insurance quotes in De Soto shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

De Soto Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in De Soto

The car insurance rate in De Soto is $770 for a six-month policy, which is $15 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $375, making it a popular choice for budget-conscious drivers. Rates in De Soto can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in De Soto

$770

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in De Soto

1st place: West Bend Mutual

At $375 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $424 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $449 for six months, making it the third cheapest auto insurance company in De Soto.

De Soto Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in De Soto, IA is West Bend Mutual, offering policies at just $375 for a six-month term. This is followed by Grange, which has an average six-month premium of $424.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1224 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help De Soto drivers find the best deals.

Cheap Car Insurance Companies in De Soto, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$375	$62
Grange	$424	$72
Travelers	$449	$75
Auto-Owners Insurance Co	$455	$78
Hastings Mutual	$466	$78
Westfield	$497	$85
IMT Insurance Company	$515	$86
American Family	$546	$92
State Farm	$672	$113
Pekin	$684	$116
Progressive	$691	$116
USAA	$697	$117
West Bend	$794	$133
Farm Bureau Mutual (IA Group)	$843	$143
IMT	$909	$152
Auto-Owners	$1030	$175
Farm Bureau	$1163	$194
Allstate	$1455	$245
Nationwide	$1527	$254
Grinnell Mutual	$1224	$204

Key Takeaways

Way's key takeaways about car insurance in De Soto

The auto insurance costs in De Soto fall around $375 for six months.
The cheapest auto insurance company in De Soto is Pekin.
Teen drivers pay the highest rate in De Soto at $468 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in De Soto

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in De Soto are given below.

Pekin provides the cheapest minimum car insurance coverage in De Soto. Their Average 6 Month Premium is $103. Grinnell Mutual is the most expensive at $272 for the same period.

Cheapest Liability Coverage in De Soto, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$103	$17
Westfield	$109	$18
Hastings Mutual	$115	$19
Progressive	$115	$19
West Bend Mutual	$121	$20
Grange	$134	$22
USAA	$140	$23
Farm Bureau Mutual (IA Group)	$146	$24
Auto-Owners Insurance Co	$152	$26
State Farm	$152	$26
Iowa Farm Bureau	$163	$28
IMT	$169	$29
Travelers	$169	$29
Farm Bureau	$194	$33
West Bend	$194	$33
American Family	$200	$34
Auto-Owners	$212	$36
Allstate	$400	$67
Nationwide	$478	$82
Grinnell Mutual	$272	$46

Cheapest Full Coverage Car Insurance in De Soto

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in De Soto is West Bend Mutual at $62 per month and $375 for six months.

Cheapest Full Coverage Car Insurance Quotes in De Soto, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$375	$62
Grange	$424	$72
Travelers	$449	$75
Auto-Owners Insurance Co	$455	$78
Hastings Mutual	$466	$78
Westfield	$497	$85
IMT Insurance Company	$515	$86
American Family	$546	$92
State Farm	$672	$113
Pekin	$684	$116
Progressive	$691	$116
USAA	$697	$117
West Bend	$794	$133
Farm Bureau Mutual (IA Group)	$843	$143
IMT	$909	$152
Auto-Owners	$1030	$175
Farm Bureau	$1163	$194
Allstate	$1455	$245
Nationwide	$1527	$254
Grinnell Mutual	$1224	$204

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in De Soto Instantly!

Average Car Insurance in De Soto by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in De Soto, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in De Soto, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, De Soto's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in De Soto

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in De Soto,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the De Soto at $22 per month. At $2751 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
Grange	$152	$26
West Bend Mutual	$163	$28
Iowa Farm Bureau	$188	$32
Travelers	$636	$107
American Family	$903	$152
USAA	$1139	$192
Progressive	$1358	$228
State Farm	$1593	$268
IMT	$1648	$274
Farm Bureau Mutual (IA Group)	$2273	$387
West Bend	$2436	$406
Farm Bureau	$2484	$422
Auto-Owners	$2569	$428
Allstate	$3108	$523
Nationwide	$4841	$807
Grinnell Mutual	$2751	$468

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in De Soto, Grange is the cheapest car insurance provider. At $175 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in De Soto is Grinnell Mutual, offering rates of around $2151 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$175	$30
Westfield	$212	$36
West Bend Mutual	$218	$37
Travelers	$237	$40
American Family	$243	$41
Progressive	$672	$113
IMT	$1206	$201
USAA	$1284	$218
West Bend	$1412	$236
Farm Bureau	$2005	$341
State Farm	$2096	$353
Nationwide	$2175	$370
Allstate	$2284	$380
Auto-Owners	$2642	$449
Grinnell Mutual	$2151	$366

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in De Soto.

Car Insurance Rates with An Accident in De Soto

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In De Soto, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

The cheapest car insurance companies after an at-fault accident in De Soto include Hastings Mutual and Pekin, offering $115 and $140, respectively. Nationwide is an expensive provider with an average six-month premium of $2460.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$115	$19
Pekin	$140	$23
Western National	$182	$31
Westfield	$182	$31
Grange	$206	$35
Auto-Owners Insurance Co	$212	$36
West Bend Mutual	$212	$36
Grinnell Mutual	$224	$38
Travelers	$455	$77
State Farm	$509	$86
American Family	$581	$98
Progressive	$697	$117
USAA	$993	$167
Farm Bureau Mutual (IA Group)	$1242	$211
Auto-Owners	$1333	$222
West Bend	$1333	$226
IMT	$1424	$238
Farm Bureau	$1890	$321
Allstate	$2005	$338
Nationwide	$2460	$418

De Soto Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in De Soto IA. For example, the car insurance in De Soto after a DUI increases to $726 for a six month policy. While the rate increases by $103 for a six-month policy in the case of a speeding ticket.

De Soto auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$855	$143
One Med/PIP claim	$866	$147
Not-at-fault accident	$890	$149
One comp claim	$915	$156
Two Med/PIP claims	$939	$156
Child safety restraint	$958	$163
Failure to show documents	$958	$159
Failure to wear a seat belt	$958	$163
Speeding 6 - 10 MPH over limit	$958	$159
Two comp claims	$958	$163
Driving without lights	$963	$160
Driving with expired registration	$987	$168
Failure to yield	$987	$164
Illegal turn	$987	$168
Failure to stop at a red light	$993	$165
Wrong way/wrong lane	$1000	$170
Cell phone violation	$1006	$167
Driving too slowly	$1006	$171
Speeding 11 - 15 MPH over limit	$1006	$167
Texting while driving	$1006	$171
Speeding 16 - 20 MPH over limit	$1012	$168
Speeding in school zone	$1024	$174
Improper passing	$1030	$171
Following too closely	$1036	$176
At-fault accident - less than $1000	$1055	$175
Passing school bus	$1072	$183
Operating a vehicle without permission	$1127	$188
At-fault accident - $1000-$2000	$1145	$195
Speeding 21 - 25 MPH over limit	$1145	$191
At-fault accident - greater than $2000	$1152	$196
In 65 MPH zone	$1230	$205
Open container	$1296	$220
Racing	$1461	$244
Driving with a suspended license	$1490	$253
Reckless driving	$1527	$254
Refusal to submit to a chemical test	$1551	$264
DUI	$1581	$263
Leaving scene of an accident/hit and run	$1599	$272

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in De Soto after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in De Soto.

The cheapest car insurance premiums in De Soto are offered by American Family at $175 for a six-month policy. However, it can be as expensive as $2369 with companies like Grinnell Mutual.

De Soto car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$175	$30
Western National	$182	$31
Grange	$237	$40
Travelers	$237	$40
West Bend Mutual	$237	$40
Progressive	$655	$110
IMT	$1206	$201
USAA	$1284	$218
West Bend	$1412	$236
Farm Bureau	$2005	$341
State Farm	$2018	$340
Nationwide	$2175	$370
Allstate	$2284	$380
Auto-Owners	$2642	$449
Grinnell Mutual	$2369	$403

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in De Soto are offered by Westfield at $134. However, it can be as expensive as $1224 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in De Soto after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$22
West Bend Mutual	$157	$27
American Family	$175	$30
Western National	$182	$31
Iowa Farm Bureau	$200	$34
Travelers	$200	$34
Grange	$206	$35
State Farm	$478	$81
Progressive	$600	$101
USAA	$927	$154
IMT	$1266	$215
Farm Bureau	$1424	$238
West Bend	$1599	$272
Allstate	$1672	$278
Auto-Owners	$1751	$298
Nationwide	$1927	$321
Grinnell Mutual	$1224	$208

Car Insurance Price Trends in De Soto, Iowa

Car insurance rates in De Soto have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the De Soto rose by $157 in January compared to $143 of December. In other words, there has been an increase by $14 when you compare January and December.

The average cost of liability insurance in the De Soto remained steady at $30 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in De Soto?

The car insurance in De Soto is $17 per month, which is lower than the national average.

What is the cheapest car insurance in De Soto?

The cheapest car insurance in De Soto is $62 per month for full coverage.

How much is car insurance in De Soto for teenagers?

Car insurance for teenagers costs $134 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in De Soto?

The average cost of car insurance is $755 for a six-month policy. It will cost around $129 per month to insure your car in De Soto.

Is car insurance expensive in De Soto?

Car insurance can be expensive in De Soto if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in De Soto can be affordable.

Cheapest Car Insurance Quotes in De Soto

Why you can trust Way?

How Much Is Car Insurance in De Soto

Avg. Car Insurance in De Soto

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in De Soto

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

De Soto Car Insurance Rates by Company

Cheap Car Insurance Companies in De Soto, IA

Way's key takeaways about car insurance in De Soto

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in De Soto

Cheapest Liability Coverage in De Soto, IA

Cheapest Full Coverage Car Insurance in De Soto

Cheapest Full Coverage Car Insurance Quotes in De Soto, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in De Soto by Rating Factor

I have a clean driving record. Why is my car insurance rate here in De Soto, IA increasing?

Car Insurance Premiums by Age in De Soto

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in De Soto,IA

If you are in your twenties N/A is the best choice for car insurance in De Soto.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in De Soto

Cheapest Car Insurance Companies after an At-Fault Accident in De Soto

De Soto Car Insurance Rates by Violation

De Soto auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in De Soto after a DUI

De Soto car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in De Soto after Speeding ticket

Car Insurance Price Trends in De Soto, Iowa

Average Car Insurance Cost in De Soto by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near De Soto, IA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources