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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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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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

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Des Moines, IA Driving Facts

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.

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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.

Driver's AgeAvg. Monthly Cost
teens$293
20s$179
30s$138
40s$151
50s$122
60s$139
70s$83
80s$111
Driving HistoryAvg. Monthly Cost
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.

Credit TieAvg. Monthly Cost
Excellent$175
Good$168
Average$150
Poor$146

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."

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Des Moines stacks up for the state of Iowa:

chevrolet
Chevrolet Impala
Most Popular Car in
Des Moines, IA
suspended licenses
#2
Cities with Most
Suspended Licenses Rank
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.