Cheap Auto Insurance Quotes in Des Moines, IA (2021)

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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.

Quotes by Top Carriers
Quotes ($/mo)
$27
$39
$44
$105
$135
ProgressiveState FarmAllstateAmerican FamilyThe General
Monthly $

Cheapest Car Insurance in Des Moines, IA

Here are the cheapest carriers in Des Moines for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

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 carrier reviews. The following are the top rated carriers that offer car insurance in Des Moines. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$79
$64
$92
$85
$83
$70
IowaCedar RapidsDavenportSioux CityIowa CityDes Moines
Monthly $

Click here to learn about car insurance quotes and save on your current policy.

Des Moines, IA Driving Facts

iowa

Minimum Car Insurance Requirements in IA

Iowa drivers are held to different standards than most of the nation's motorists: there is no specific law mandating that they purchase Iowa car insurance. However, if an Iowa driver gets into an accident, or gets a license suspended or revoked, they must demonstrate proof of financial responsibility to the state's Department of Transportation.

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.

Driving History
No Violation$155
Speeding Ticket$168
At-Fault Accident$189
Failure to Stop for Red Light / Stop Sign$184

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.

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.

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.

Conclusion: 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."

Find local Des Moines agents

Boersma Insurance Services
100 Court Avenue Ste 310, Des Moines, IA 50309
Jester Insurance Services
303 Watson Powell Jr Way, Des Moines, IA 50309
McFadden Insurance Services, Inc.
PO Box 57100, Des Moines, IA 50317
Notary Rotary Inc
500 New York Avenue , Des Moines, IA 50313-4908
Ligouri & Associates Inc
4320 1/2 SW 9th, Des Moines, IA 50315
Reynolds & Reynolds Inc
300 Walnut Street, Ste 200, Des Moines, IA 50309
Donaghy Kempton Insurors
4000 Sixth Avenue, Des Moines, IA 50313
Donahue Insurance Agency Inc
5925 SW 9th Street, Des Moines, IA 50315
Diversity Insurance Inc
1541 E Grand Avenue, Des Moines, IA 50316
Bankers Solutions, LLC
2700 Patricia Drive, Des Moines, IA 50322

Insurify Insights: How Des Moines Drivers Measure Up

chevrolet
Chevrolet Impala
Most Popular Car in
Des Moines, IA
suspended licenses
#4
Cities with Most
Suspended Licenses Rank

Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Des Moines drivers measure up to their fellow Iowa motorists in the rankings above.

From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.

Accidents Des Moines

While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Des Moines drivers rank 7 in the number of car accidents per driver across all cities in Iowa.

  • Rank within state: #7
  • Percent of drivers in Des Moines with an accident: 12.28%
  • Drivers in Des Moines, IA with an accident in their driving history paid on average 36.5% more than drivers with a clean record

Speeding Des Moines

Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Des Moines drivers rank 2 in the number of speeding infractions per driver.

  • Rank within state: #2
  • Percent of drivers in Des Moines with a speeding ticket: 18.33%
  • Drivers in Des Moines, IA with a speeding ticket in their driving history paid on average 31.39% more than drivers with a clean record

DUI/DWIs Des Moines

While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Des Moines drivers rank 4 in the number of DUI’s per driver across all cities in Iowa.

  • Rank within state: #4
  • Percent of drivers in Des Moines with a DUI: 4.18%
  • Drivers in Des Moines, IA with a DUI in their driving history paid on average 38.69% more than drivers with a clean record

Most Popular Vehicle Des Moines

Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Des Moines is the Chevrolet Impala.

Rude Des Moines

The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Iowa, Des Moines drivers rank 3 in rude driving infractions.

  • Rank within state: #3
  • Percent of drivers in Des Moines with a reckless driving violation: 2.81%
  • Drivers in Des Moines, IA with a reckless driving violation in their driving history paid on average 25.55% more than drivers with a clean record.

Safest Drivers Des Moines

Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Des Moines drivers rank 6 in clean driving records across all cities in Iowa.

  • Rank within state: #6
  • Percent of drivers in Des Moines with clean record: 71.07%

Failure to Yield the Right of Way Des Moines

Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Des Moines drivers rank 4 in failure to yield violations per driver across all cities in Iowa.

  • Rank within state: #4
  • Percent of drivers in Des Moines with a failure to yield violation: 0.75%
  • Drivers in Des Moines, IA with a failure to yield violation in their driving history paid on average 1000% more than drivers with a clean record

Reckless Drivers Des Moines

Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Iowa, Des Moines drivers rank 4 in the number of reckless driving offenses per driver.

  • Rank within state: #4
  • Percent of drivers in Des Moines with a reckless driving offense: 0.06%

Hybrid/Electric Vehicle Ownership Des Moines

As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Des Moines drivers rank 5 in hybrid and electric vehicle ownership across all cities in Iowa.

  • Rank within state: #5
  • Percent of drivers in Des Moines with a hybrid/electric vehicle: 0.88%
Most Patriotic City

Most Patriotic City

Des Moines

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Des Moines won Insurify's Most Patriotic Cities Award for the state of Iowa. It was once home to the Fort Des Moines Provisional Army Officer Training School - the first Army training facility for African Americans during World War I, and the first training site for women participating in the Women's Army Corps during World War II.


FAQs - Des Moines, IA Car Insurance

Why is car insurance so expensive in Des Moines?

Des Moines ranks first in Iowa for DUIs, moving violations, speeding tickets, and suspended licenses. When you lead the pack in that many negative areas, it's no wonder the rates leave you with a frowning face. Insurers charge extra to offset the risk.

How can I get the cheapest car insurance in Des Moines?

The cheapest deal will always come with state minimum coverage. That's the lowest amount of insurance Iowa allows. If you're financing the car, you must purchase comprehensive and collision coverage. In that case, to cut your bill, raise your deductibles to the most you can afford out of pocket if an accident happens.

Who offers the cheapest car insurance in Des Moines?

Car insurance prices change by city, company, and driver. If you're searching for rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and get the coverage you deserve at a price you can afford.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.