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Cheap Auto Insurance Quotes in Des Moines, IA (January 2022)
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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.
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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.
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.
|Failure to Stop for Red Light / Stop Sign||$184|
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.
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
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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.
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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."
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.