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Key Takeaways

  • Des Moines, Iowa is the best spot for insurance companies in the US.
  • The average car insurance rates of the city are lower than the state and national averages.
  • State Farm and Iowa Farm Bureau offer the cheapest rates in the city.

Introduction

Apart from being the capital and the most populous city of Iowa, Des Moines also has to its credit to being the third largest insurance capital of the world. It is also the number-one spot for insurance companies in the US. So, one can imagine the different options for car insurance that will be available in the city.

Does the title that Des Moines hold have an effect on the car insurance rates? How much does it cost to insure your car in Des Moines? How can you obtain cheap insurance quotes in Des Moines, Iowa?

Here, we will drive you through the essentials to keep in mind while purchasing car insurance in Des Moines.

How much does car insurance cost in Des Moines, Iowa?

The car insurance rates in the city of Des Moines are lower than the national and state-wise averages. The average car insurance rate in Des Moines is $1094 which is $506 less than the average rate in Iowa.

Des Moines Average Iowa Average National Average
$1094 $1600 $1557

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Auto Insurance Requirements in Des Moines, Iowa

Driving a car in the city requires proof of insurance. It is required when renewing a vehicle's registration or if the vehicle is involved in an accident. However, registering your car doesn't require insurance proof. But every car owner is required to have a certain amount of liability insurance along with collision and comprehensive coverage are advised to avoid out-of-pocket expenses.

In Des Moines, you will require a minimum amount of bodily injury or death liability coverage of $20,000 per person and $40,000 per accident. The state also requires $15,000 in the event of a single accident causing bodily injury or death to one person, two or more deaths, or damage to other people's property.

Des Moines Auto Insurance Premiums by Company

The best place for insurance companies in the country has a lot to offer in terms of auto insurance companies. Obtaining quotes from different insurance companies in the city is an effective way of understanding different trends and discounts available with the providers in Des Moines.

Many nationally recognized and local providers offer cheap quotes in the city. The process is made easier with Way.com, helping you navigate through this task to finalize the best coverage possible. In Des Moines, Iowa Farm Bureau, State Farm, and Nationwide offer the cheapest rates in the city.

Insurance Company Average Yearly Rate
State Farm $932
Nationwide $968
Iowa Farm Bureau $925
IMT $1082
Progressive $1166
USAA $1015

Des Moines Auto Insurance Premiums by Age Group

The influence of age on insurance is it such that it tends to decrease with age, except when there is a driving violation on the record. Auto insurance companies classify young drivers as high-risk drivers due to high-risk claims, accidents, and unsafe driving practices.

In Des Moines, teenagers pay car insurance rates as high as $3330. However, the car insurance rates for older drivers are lower than the average insurance rates in the city.

Age Bracket Average Yearly Rate
Teenagers $3330
20s $1497
30s $1067
40s $1001
50s $903
60s $916
70s $1144

Des Moines Auto Insurance Premiums by Marital Status

In Des Moines, the average yearly car insurance rates are similar for a married and a single driver. While observing the marital status, a divorced driver pays the highest rates in the city.

Marital Status Average Yearly Rate
Married $1007
Single $1007
Divorced $1094
Widowed $1052

Des Moines Auto Insurance Premiums by Gender

The influence of gender on car insurance rates in Des Moines tends to work against the statistics in fashion. Here, the female drivers pay $6 more than the male drivers in the city.

Gender Average Yearly Rate
Female $1100
Male $1094

Des Moines Auto Insurance Premiums by Driving Record

Maintaining a spotless driving record is one of the simplest things you can do to bring down the cost of your auto insurance. Car insurance premiums can be maintained at a level that is comparable to the average for Des Moines, by maintaining a clean driving record free of accidents, penalties, and tickets. Tickets for speeding, driving under the influence of alcohol, and driving recklessly can all result in a premium rise of at least $319.

Driving Violation/Incident Average Yearly Rate

At-fault Accidents

Damages <$1000 Damages >$2000
$1413 $1518
DUI/DWI $1720
Reckless Driving $1730
Speeding Tickets $1267

Des Moines Auto Insurance Premiums by Credit Rating

Credit or FICO scores is another important non-driving factor that has a direct impact on your profile. Statistically, those with average to excellent credit scores tend to submit fewer claims and are therefore eligible for reduced auto insurance premium rates.

Credit Tier Average Rate
Exceptional $912
Very Good $1002
Good $1094
Fair $1330
Very Poor $2022

Des Moines Auto Insurance Premiums by Zip Code

Since the Zip code suggests theft statistics and accident rates, these are equally important in determining the car insurance rates of a place. In Des Moines, the cheapest car insurance is offered at 50339 and 50307 at $540 and $564 respectively.

ZIP Code Average Yearly Insurance Rates
50010 $804
50038 $924
50250 $1224
50307 $564
50309 $1248
50310 $1080
50311 $1104
50312 $1056
50313 $1068
50314 $1176
50315 $1116
50316 $1104
50317 $984
50319 $1056
50320 $1140
50321 $1236
50322 $972
50325 $1644
50327 $1140
50332 $1212
50339 $540

What would increase your car insurance rates in Des Moines, Iowa?

Car thefts and uninsured motorists also influence insurance premiums. Although it's possible that this won't have a direct impact on the cost of your car insurance, it could make the area in which you live appear riskier to insurers, which would result in higher premiums.

Des Moines Stats

When discussing the variables that contribute to higher insurance premiums in the city, it is important to take into account both the theft statistics and accident rates in the city.

Auto Theft Statistics

The auto theft rate in Des Moines is higher than the national average. The 2019 data by City-Data showed the number of data to be 1313, which was calculated as 601 per 100,000.

Des Moines Auto Theft Rate per 100,000 National Auto Theft Rate per 100,000
601.2 220

Accident Statistics

According to 2019 data, 15 fatal accidents occurred in the year 2019.

   
Fatal Accident Count 15
Vehicles involved in fatal accidents 21
Fatal accident involving drunk persons 3
Fatalities 15
Persons involved in fatal accidents 23

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How to save on auto insurance in Des Moines, Iowa

Reducing the insurance rates is possible by shopping around for insurance quotes. This can give a head start on getting the affordable option for you, there are several hacks you can follow to reduce the insurance premium rates.

  • Compare and Purchase

Most insurance providers now provide their quotes online. Choosing the one that suits your needs is best possible through this research.

  • Increase your deductible

Higher deductibles reduce vehicle insurance premiums. This will however reduce your accident claim. Compare deductible alternatives to discover if a reduced deductible delivers savings, then choose one that meets your budget and comfort level.

  • Improve your credit score

Having a good to excellent credit score can reduce the premium rates.

  • Look for discounts

Always look for discounts when you are purchasing insurance in Des Moines. Since the city is an insurance capital the pricing and discounts can be competitive. Insurance companies will offer multipolicy discounts, telematics discounts, good driver discounts, and bundling discounts. This can make a huge difference in the premium rates.

Tips for Driving in Des Moines

Be Weather Ready

Summers in Des Moines are warm, humid, and wet; winters are cold, snowy, and windy; and it is partly cloudy all year.

Average Annual Rainfall Average Annual Snowfall Rainy Days Sunny Days
36 in. 33 in 161 days 204 days

Unavailability of PIP

The state doesn't require Personal Injury Protection (PIP). Even if PIP is unavailable, you are eligible for medical payments if you are involved in an accident.

Best Car Insurance Companies in Des Moines, Iowa

The city's insurers assert that they offer affordable specialty coverages. The state's most intricate rules, insurance terms, coverages, and discounts can be understood with the help of insurance agents stationed in Des Moines. The following are the insurance companies in Des Moines, Iowa.

   
State Farm American Family
Allied Grinnell
IMT Allstate
MetLife Nationwide
Auto-Owners Progressive
Farm Bureau  

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by Way.com’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

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.com

Frequently Asked Questions

How much is car insurance in Des Moines?

The average car insurance rate in Des Moines is $1094 per year for full coverage.

Is car insurance cheaper in Des Moines?

Yes, car insurance rates are cheaper in Des Moines. The average car insurance rates are lower than the state and national average.

Learn more by city and state for car insurance



Learn more by city and state for car insurance




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