UPDATED: Mar 13, 2020
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Cheap Car Insurance in Des Moines, IA
Do you need cheap auto insurance in Des Moines, IA? At AutoInsuranceEZ.com, you will find the best insurance rates close to you. To find free car insurance quotes from the very best providers today, input your zip code into the quote box on this page.
Des Moines is an important political city in that the national race for the presidency of the United States kicks off there every four years. But Des Moines also makes a name for itself in other ways. While it may have started out as an agrarian town many years ago, it has successfully transitioned into a major metropolitan area with high rates of suburban and commercial growth. The technical term for this is “post-industrial urbanization”, and Des Moines fits this description very well.
- Fun fact: Did you know that Des Moines is #3 on the list of “Top 101 cities with largest percentage of males in occupations: Communications equipment operators (population 50,000+)”? Learn more about Des Moines.
Auto Insurance Coverage Requirements in Iowa
Driving legally in Des Moines requires:
|Bodily Injury Liability||20,000/40,000||100,000/300,000|
|Property Damage Liability||Not required||100,000/300,000|
|Uninsured Motorist Bodily Injury||Not required||100,000/300,000|
|Medical Payments||Not required||5,000|
|Collision||Not required||500 deductible|
|Comprehensive||Not required||250 deductible|
Do you understand what all the different types of coverage are for? The state minimum, Bodily Injury Liability, only pays the medical expenses for you or anyone else hurt in an accident you cause. Any other damage to your vehicle will be 100% your responsibility.
Most motorists in Iowa typically have to pay around $88 per month or more for their insurance coverage. But did you know that Des Moines drives can get covered for as little as $28/mo*? Keep reading, and we’ll show you how to find the right company who offers the most discounts for drivers like you.
American Family and Grinnell are offering some of the best deals in Des Moines right now. Those are some pretty well-established Iowa companies, so it shouldn’t be too hard to look up their customer service records and see if their customer satisfaction ratings are as high as their rates are affordable.
Auto insurance companies contemplate different variables when establishing insurance quotes, including marital status, where you live, occupation, driving distance to work, and theft protection devices. In addition, premiums vary from carrier to carrier. To find out whether you’re still being charged the most favorable rate, compare cheap Iowa auto insurance quotes online.
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Major Car Insurance Factors in Des Moines
Insurance companies take numerous elements into account when creating an auto insurance policy. Unfortunately, many of these variables are difficult or impossible to change, such as your driving experience or your exact location. Other elements your car insurance company may consider include:
Your Zip Code
Where you park your car each night will have a major impact on your auto insurance rate. Generally, car insurance is cheaper in rural areas because fewer cars means a smaller chance that you will get into a collision with another vehicle. The population of Des Moines is 207,510 and the median household income is $45,110.
Any zip code with a high number of fatal accidents makes it more risky for you to be on the road. Insurance companies tend to charge higher rates in areas with high accident statistics to offset this risk. There were 23 persons involved in fatal accidents in 2013, which isn’t a drastic rise from previous years.
Auto Thefts in Des Moines
Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your auto insurance company may reward you with lower rates! In Des Moines, there were 850 auto thefts in 2013. That’s a significant rise from the previous year. If you want to protect your vehicle from auto theft, make sure you have Comprehensive coverage on your policy.
Your Credit Score
Your credit score plays a significant role in what you get charged monthly for your vehicle insurance. As this chart clearly demonstrates, having a poor credit score can almost double – or more – what you pay each month to remain insured.
Studies have shown that inexperienced teenage drivers are more likely to get into an accident than older adults. Because of this, it costs much more to purchase automotive insurance for young drivers. If you are a teenager, ask your provider about Drivers Ed or Good Student discounts.
Your Driving Record
Do you have a fairly clean driving record? If so, then you can expect to pay substantially lower monthly rates for your automotive insurance. If you do have a minor violation or two, your rate will go up – but you may be able to reduce your premium with “Accident Forgiveness” and other similar discounts.
You can get by with less coverage if you’re driving an economical car. But with luxury vehicles, you’re going to require more comprehensive coverage, which will yield higher monthly premiums. But there are ways to get discounts, even on luxury coverage.
Minor Car Insurance Factors in Des Moines
The factors below may also have an influence in your monthly premium, although they might be a little harder to control:
Your Marital Status
If you are part of a married couple, there’s good news: you can save money on your automotive insurance policies if you bundle them together. As individuals, however, you won’t save very much being married vs. being single.
This may be hard for some people to believe, but most companies don’t charge radically different rates for male or female drivers. In fact, many companies these days charge the exact same rate, all other things being equal.
Your Driving Distance to Work
The commute time to and from work in Des Moines can range anywhere from 13-27 minutes for most drivers. More than three-quarters of these motorists will drive their own vehicle in to work, while around 4-17% will choose to carpool.
Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium – for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.
Your Coverage and Deductibles
Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy. If you feel you need more than the mandatory minimum coverage, but don’t want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don’t anticipate a need to file multiple claims.
Education in Des Moines, IA
It has been discovered in recent years that the higher your education, the more likely you are to be offered a discounted rate on your auto insurance. It’s even more effective than having a fancy job or a really high salary. In Des Moines, most drivers either have a high school diploma (or other equivalent) or slightly less than a full high school education.
Drake University is a private, diverse institution offering either bachelor’s or master’s degrees in a variety of fields from business to journalism to education. Another private institution is the Grand View College, which is affiliated with the Lutheran Church. One prominent medical school serving the Des Moines area is the Des Moines University College of Osteopathic Medicine. For a quick but specialized education, you can look into the Des Moines Area Community College or the AIB College of Business.
Unfortunately for most insurance companies, a simple internet search can reveal many of their trade secrets. But even with the proper information, it can still be difficult for you as an individual to figure out your risk profile and find low-cost insurance. Make sure you do your due diligence before you commit to your next car insurance policy.
How We Conducted Our Car Insurance Analysis
*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.
These Companies Offer Low Cost Auto Insurance in Des Moines, Iowa – Act Now