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Cheap Auto Insurance Quotes in West Des Moines, IA (July 2022)

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Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

Car Insurance in West Des Moines, IA

Drivers in West Des Moines and in other cities around Iowa should buy a car insurance policy if they want to stay protected behind the wheel. Although Iowa is one of the cheaper states in terms of auto insurance rates, with premiums costing drivers an average of $158 per month, cheaper insurance coverage is out there. Use Insurify to get the best rates for you today!

Quick Facts

  • The average cost of car insurance in West Des Moines is $322 per month, or $3864 annually.
  • Car insurance in West Des Moines is $180 more than the average cost of car insurance in Iowa.
  • The cheapest car insurance provider in West Des Moines on average is Bristol West, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Travelers
$101
Nationwide
$104
Safeco
$124
Midvale Home & Auto
$132
Dairyland
$170

Cheapest Car Insurance in West Des Moines, IA

Everyone wants cheap car insurance, and luckily for West Des Moines residents, there are affordable options available. Although the following insurance companies have the cheapest car insurance quotes in West Des Moines on average, it’s always a good idea to shop around and compare quotes so you can make sure you’re getting the best rate.
Insurance Provider in West Des MoinesQuotes
Travelers$101 /mo
Nationwide$104 /mo
Safeco$124 /mo
Midvale Home & Auto$132 /mo
Dairyland$170 /mo

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Best Car Insurance in West Des Moines, IA

While cheap car insurance is a priority, the insurance company with the lowest premium and the highest deductible might not be the best option. We analyzed factors that reflect quality, reliability, and health of an insurance company to calculate its Insurify Composite Score and rank car insurance providers, and the following are the best providers in West Des Moines.
Best CompaniesScoreQuotes
Nationwide89$104 /mo
Safeco86$124 /mo
Liberty Mutual82$192 /mo
Travelers80$101 /mo

Average Car Insurance Cost

Iowa Cities
Des Moines$70/mo
Cedar Rapids$64/mo
Davenport$92/mo
Sioux City$85/mo
West Des Moines$149/mo
Iowa$92/mo
Cedar Rapids
$64
Des Moines
$70
Sioux City
$85
Average for IA
$92
Davenport
$92
West Des Moines
$149
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Iowa

All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:

  • $20,000 per person for bodily injury
  • $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

West Des Moines Car Insurance Rates by Driver Age

Age plays a big role in determining your auto insurance rates. Younger drivers, who are less experienced behind the wheel and more likely to get into accidents, tend to see the highest rates. Drivers over the age of 50 see lower costs. Keep in mind that these averages are for the state of Iowa and rates may be different in West Des Moines.
Driver's AgeAvg. Monthly Cost
Teens$273
20s$174
30s$125
40s$111
50s$95
60s$88
70s$93
80+$96

West Des Moines Car Insurance Rates by Driving and Accident History

One of the many factors that insurance companies consider when determining your car insurance rates is your driving record. Drivers with DUIs, car accidents, and other traffic violations in their past will see higher rates than drivers with clean records. Here’s what you can expect to pay on average in West Des Moines based on your driving history.
Driving HistoryAvg. Monthly Cost
Clean Record$148
Speeding Ticket$186
At-Fault Accident$190
DUI$293

West Des Moines Car Insurance Rates by Credit Tier

Your credit score will also affect your car insurance rates. On average, drivers with good credit will pay less for auto insurance than drivers with bad credit, because drivers with poor credit account for a higher percentage of paid claims. The following is what you can expect to pay on average in West Des Moines based on your credit history.
Credit TierAvg. Monthly Cost
Excellent$151
Good$161
Average$188
Bad$233

West Des Moines DMV Information

The closest DMV office to West Des Moines, Iowa is located in Waukee, Iowa. The Driver’s License Station offers service by appointment only, and is open from 7:30 a.m. to 4:00 p.m. Monday through Friday, exempting holidays. The office is located at:

1156 SE Ashworth Rd
Waukee, IA 50263

Public Transportation in West Des Moines

Although most residents of West Des Moines drive to get from point A to point B, the city offers public transportation as an alternate mode of commute. Des Moines Area Regional Transit (DART) offers routes in and around West Des Moines. There are also Greyhound and Trailway stations throughout the city, and Uber, Taxi, and Lyft are available as well. 

How to get the cheapest car insurance in West Des Moines

The best way to get the best and cheapest car insurance in West Des Moines is to compare quotes. With Insurify, you can compare quotes and find your best rate in a matter of minutes. We’ll even factor in discounts you might qualify for, like a homeowners discount. You can also use Insurfy to shop for other insurance products like homeowners insurance or life insurance. 

At Insurify, we make it easy. Just enter a bit of information about yourself and in under five minutes we’ll show you the best rates personalized to you. We’ll provide quotes from the insurance giants such as Allstate and State Farm insurance along with quotes from local insurance agencies so you can have peace of mind knowing you’ve found the best rate.

FAQs - West Des Moines, IA Car Insurance

  • The best way to find cheap car insurance in West Des Moines is to compare quotes with Insurify. With our tools, you can compare quotes side-by-side and all in one place, so it’s easy to find the cheapest car insurance. You can also save on your car insurance by bundling your home insurance, renters insurance, or life insurance with your auto insurance policy.

  • The average cost of car insurance in West Des Moines is $63 per month, but personal aspects of your driving history and profile will affect your individual rate. That’s why it’s always important to shop around and compare quotes, because the average cheapest auto insurance company in your area might not have the best rate for you.
  • While Iowa auto insurance coverage is relatively inexpensive, individual factors such as your driving record and your age can cause your car insurance premiums to increase. The coverage option you choose could also drive up your rates. You’ll pay more for a full-coverage policy than you will for liability coverage only.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
  • No signup required
  • 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.

Insurify Insights

How West Des Moines Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in West Des Moines, Iowa below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how West Des Moines drivers measure up to their fellow motorists across Iowa in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Malibu

Most Popular Car in West Des Moines

#5

City with the Most Speeding Tickets Rank in Iowa

#14

City with the Most Moving Violations Rank in Iowa

#5

City with the Most DUIs Rank in Iowa

#11

City with the Most Suspended Licenses in Iowa

  • 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. West Des Moines drivers rank 10 in the number of car accidents per driver across all cities in Iowa.

    • Rank within state: #10
    • Percent of drivers in West Des Moines with an accident: 11.21%
    • Drivers in West Des Moines, IA with an accident in their driving history pay on average 29.61% more than drivers with a clean record
  • Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, West Des Moines drivers rank 5 in the number of speeding infractions per driver.

    • Rank within state: #5
    • Percent of drivers in West Des Moines with a speeding ticket: 17.24%
    • Drivers in West Des Moines, IA with a speeding ticket in their driving history pay on average 21.05% more than drivers with a clean record
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. West Des Moines drivers rank 5 in the number of DUI’s per driver across all cities in Iowa.

    • Rank within state: #5
    • Percent of drivers in West Des Moines with a DUI: 3.66%
    • Drivers in West Des Moines, IA with a DUI in their driving history pay on average 10.53% more than drivers with a clean record
  • Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in West Des Moines is the Chevrolet Malibu.

  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. West Des Moines drivers rank 2 in hybrid and electric vehicle ownership across all cities in Iowa.

    • Rank within state: #2
    • Percent of drivers in West Des Moines with a hybrid/electric vehicle: 1.72%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Tanveen Vohra
Tanveen Vohra

Insurance Content Project Manager

Tanveen Vohra is an insurance content project manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

Learn More

Sources

  1. Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022