Cheap Auto Insurance Quotes in Des Moines, IA (2023)

Des Moines has 214,000 residents, and most drive as their main mode of getting around. Finding the best car insurance policy will score you a nice deal regardless if you're a Cyclone or a Hawkeye.

Over 90 percent of Des Moines households own cars. It's critical to get a good auto insurance deal in the Hawkeye State.

Car Insurance in Des Moines, IA

The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Des Moines, IA to find you the cheapest quotes in the area.

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• Cheap Car Insurance Iowa

• Compare Car Insurance

Cheapest Car Insurance in Des Moines, IA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Best Car Insurance in Des Moines, IA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated company reviews. The following are the top rated companies that offer car insurance in Des Moines. For the complete list, see Insurify's best car insurance companies .

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Average Car Insurance Cost

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Minimum Car Insurance Requirements in Iowa

Des Moines Car Insurance Rates by Driver Age

Because statistics show that younger drivers have more accidents and make more claims than older drivers, car insurance companies put them in a higher risk category. Higher risk means higher insurance premiums. The average monthly car insurance cost for teen drivers in Des Moines is $292. For drivers in their 20s, the premium drops to $179. Teen drivers can lower their rates through discounts and by keeping a spotless driving record.

Des Moines Car Insurance Rates by Driving and Accident History

Rolling through a red light, speeding, and at-fault accidents increase your car insurance rates in Des Moines. Why? Insurance companies have to charge more to recoup the money they’ve lost on claims. Plus, by your driving behavior, you’ve proven yourself to be a risk in the future. Those with spotless records here pay an average of $154 for insurance monthly. A failure-to-stop infraction increases insurance costs by $29 a month. Luckily, insurance companies only consider these infractions for three to five years. With good driving behavior, your rates can return to normal eventually.

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• High-risk Car Insurance Iowa

• DUI Car Insurance Iowa

Des Moines Car Insurance Rates by Credit Tier

If you don’t know what your credit score is, you probably should do some digging. Insurance companies use your credit as a way to understand and assess risk. Studies show that people who manage their money well are less likely to make insurance claims. Insurance companies reward this kind of behavior with lower rates. Drivers in Des Moines who have average credit pay $149 for their insurance policies monthly.

See More: Bad Credit Car Insurance Iowa

Find local Des Moines agents

Des Moines, IA DMV Information

The Des Moines Driver's License Station is at 2339 Euclid Ave., Des Moines, IA 50310. The office hours are Monday through Friday from 8:30 a.m. to 5 p.m. and Saturdays 8:30 a.m. to 1 p.m. , and the phone number is 1 (515) 255-9311. There are also three service kiosks. They're at the East Euclid Hy-Vee, Des Moines Public Library, and West Des Moines Public Library.

Public Transportation in Des Moines, IA

The largest portion of Des Moines residents drive, and interstates cut through to serve the traffic flow. And the city also offers public transportation. The Des Moines Area Regional Transit (DART) has buses and gives paratransit to eligible riders. If you'd rather skip the bus, you can get a ridesharing service such as Uber or Lyft. Traditional taxis such as Yellow Cab and Capitol Cab offer rides. Des Moines BCycle lets you get outdoors through its bikeshare program. Des Moines also has a unique skywalk system in its downtown corridor.

For more detailed Iowa city level guides, check out these below.

• Average Cost of Car Insurance Rates in Iowa

• DUI Car Insurance Rates in Iowa

• High-Risk Driver Car Insurance Rates in Iowa

• Iowa Car Insurance with Bad Credit Rates

• Short-Term Car Insurance in Iowa

• SR-22 Insurance in Iowa

How to get the best and cheapest car insurance in Des Moines, IA

Even if your price is currently all wrong, it can be "Maid-Rite" with a burger and a budget-saving quote-comparison tool. Before you go track down the food, get the insurance first. Try Insurify to find the best rates and compare dozens of insurance quotes in just a few seconds.

When your city leads the state for DUIs, moving violations, speeders, and suspended licenses, there's plenty of reason to buy a policy. Use Insurify to get the coverage and rate that will fill your wallet with the most "dwollas."