Des Moines, Iowa Auto Insurance: Cheap Auto Insurance in Des Moines, IA

Des Moines, IA auto insurance rates average $227mo. You can pay less for car insurance in Des Moines, Iowa by shopping around. The many Des Moines, IA auto insurance companies offer a range of rates and discounts. Get the best budget car insurance in Des Moines by comparing rates online.

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Zach Fagiano

Licensed Insurance Broker

Zach Fagiano has been in the insurance industry for over 10 years, specializing in property and casualty and risk management consulting. He started out specializing in small businesses and moved up to large commercial real estate risks. During that time, he acquired property & casualty, life & health, and surplus lines brokers licenses. He’s now the Senior Vice President overseeing globa...

Licensed Insurance Broker

Michelle Robbins

Licensed Insurance Agent

Michelle Robbins has been a licensed insurance agent for over 13 years. Her career began in the real estate industry, supporting local realtors with Title Insurance. After several years, Michelle shifted to real estate home warranty insurance, where she managed a territory of over 100 miles of real estate professionals. Later, Agent Robbins obtained more licensing and experience serving families a...

Licensed Insurance Agent

UPDATED: Nov 27, 2023

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A brief overview...

  • The average cost of car insurance in Des Moines is $227.00 a month or $2,724.01 annually.
  • Speed cameras are used on the highways in Iowa and can lead to traffic citations.
  • Women aged sixty receive the lowest average auto insurance rates in Des Moines.

Looking for affordable auto insurance in Des Moines, IA? The city started out as an agrarian town but has successfully transitioned into a major metropolitan area with high rates of suburban and commercial growth. Des Moines, IA auto insurance can be very affordable.

Ready to find cheap auto insurance rates in Des Moines? Follow this comprehensive guide and soon you’ll have the best rates in Iowa.

Compare the best auto insurance rates in Des Moines by entering your ZIP code into our FREE tool above.

Auto Insurance Rates in Des Moines

The average cost of auto insurance in Des Moines is $227.00 a month or $2,724.01 annually. However, the average doesn’t also mean the cheapest.

To get the best auto insurance rates in Des Moines, you have to understand how companies calculate rates.

Companies determine your rates for auto insurance by age and gender. They also calculate your rates by ZIP code, credit history, and even your driving record.

Iowa auto insurance laws also impact your rates. Keep reading, and soon you’ll have no problem securing the best auto insurance costs in Des Moines.

Does gender and age affect my auto insurance in Des Moines?

It’s true that companies will determine your auto insurance rates by gender and age. Studies have shown that teenage drivers and men are most likely to cause automobile accidents.

The more likely you are to get into an accident, the higher your rates will be from auto insurance companies in Des Moines, IA.

Usually, age affects your rates more than gender. This is because younger drivers lack experience. Find your age in the table below to see what your rate might be.

Des Moines, IA Average Annual Auto Insurance Rates by Age
Age of DriverAverage Auto Insurance Rate
60-years old$1,724.00
35-years old$1,859.52
25-years old$2,170.72
17-years old$7,089.27

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Teenagers pay thousands more for coverage than older drivers. Once you turn twenty-five, you’ll see a drastic decrease in your rates.

Drivers who are sixty receive the cheapest insurance because they cause fewer accidents and drive less than other age-brackets.

The following graph shows monthly rates a teenager pays in Des Moines for insurance versus a 34-year-old.

Des Moines, IA Auto Insurance Rates: 17-Year-Old vs. 34-Year-Old Legend: 34 Year Old 17 Year Old State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 135 150 165 $25 $80 $27 $109 $27 Do Not Sell $28 $171 $32 $95

State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 135 150 165 $25 $80 $27 $109 $27 Do Not Sell $28 $171 $32 $95

If you are a teenager, there are ways to save. Ask your provider about defensive driver courses or good student discounts.

As we mentioned before, age impacts your rates more so than gender. Most companies don’t charge radically different rates for male or female drivers. See what we mean in the following table.

Des Moines, IA Average Annual Auto Insurance Rates by Gender
Gender of DriverAverage Auto Insurance Rate
Female$2,986.38
Male$3,210.88

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According to our calculations, men in Des Moines pay only eighteen dollars a month more than women for auto insurance. That amount is hundreds less than what teenagers pay versus older drivers.

The following table combines age and gender, which will help you get a better idea of what your average rate might be. Find yourself in the table below.

Des Moines, IA Average Annual Auto Insurance Rates by Age and Gender
Driver DemographicsAverage Auto Insurance Rate
Married 60-year-old female$1,690.99
Married 60-year-old male$1,757.01
Married 35-year-old male$1,856.09
Married 35-year-old female$1,862.95
Single 25-year-old female$2,076.78
Single 25-year-old male$2,264.66
Single 17-year-old female$6,314.81
Single 17-year-old male$7,863.73

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Women aged sixty receive the lowest average auto insurance rates in Des Moines, which is fairly common.

Less common, however, is that thirty-five-year-old men have slightly lower average rates than women of the same age.

Remember, gender and age are not the only demographics companies use to calculate your rates. Keep reading to find out more.

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What ZIP codes have the cheapest auto insurance rates in Des Moines?

Where you park your car each night will impact your ability to get cheap auto insurance in Iowa. It is common for companies to determine your rates for auto insurance by ZIP code.

In order to fairly calculate your rates for insurance by ZIP code, companies review statistics about your city’s population density and crime rates.

Rural areas with little crime are often the ZIP codes with the cheapest insurance. Densley populated ZIP codes with more crime usually have the highest rates.

Find out if your Des Moines ZIP code is increasing your rates in the table below.

Des Moines, IA Average Annual Auto Insurance Rates by ZIP Code
ZIP CodeAverage Auto Insurance Rate
50322$2,476.11
50313$2,589.33
50395$2,679.57
50317$2,680.03
50312$2,691.29
50321$2,697.63
50315$2,705.56
50320$2,708.34
50311$2,727.28
50316$2,728.20
50310$2,729.81
50319$2,778.33
50308$2,823.18
50307$2,846.40
50309$2,856.95
50314$2,866.22

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As you can see, your rates change quite a bit depending on where you live in the city. If your ZIP code is 50322, you receive the lowest average rates in all of Des Moines.

Folks who live in 50314, the most expensive ZIP code, pay almost four-hundred dollars more a year for insurance.

If your ZIP code has higher average rates, that could be because of how many people live in your neighborhood. More drivers on the road increase your chance of getting into an accident. Or your neighborhood may have higher rates of vehicle theft or other crime.

The actual city you live in also affects your average rates. The following graph compares the rates companies offer for auto insurance in Iowa.

Fatal Accidents in Des Moines, IA Legend: Des Moines Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 20 22 11 19 3 11 23 2

State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 $25 $21 $26 $19 $27 $27 $21 $26 $19 $25 $27 $21 $21 $19 $26 $28 $23 $28 $23 $26 $32 $30 $32 $29 $33

As you can see, Des Moines has some of the highest rates in the state of Iowa, likely because it’s one of the largest cities in the state.

Generally, auto insurance is cheaper in rural areas because fewer cars mean a smaller chance that you will get into a collision with another vehicle.

Which companies have the best auto insurance rates in Des Moines?

Nobody wants to pay the highest auto insurance rates by Des Moines standards. However, the best auto insurance companies for you depend on your individual circumstances.

For example, if you have an extra-long commute, some companies will be unable to offer you lower auto insurance rates.

Your auto insurance quotes will be different from each company because they weigh factors differently when calculating your rates. Let’s look into the data to see which company is most compatible with your needs.

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Cheapest Auto Insurance Rates by Company

First, let’s look at the basics. Which companies in Des Moines offer cheap auto insurance rates and who can we take off of our list?

Take a look at the following table to find out.

Des Moines, IA Average Annual Auto Insurance Rates by Age, Gender, and Marital Status
Driver Age, Gender, and Marital StatusUSAAGeicoState FarmProgressiveNationwideFarmersAmerican FamilyAllstateLiberty MutualTravelers
Married 60-year-old female$1,161.01$1,572.83$1,354.98$1,461.13$1,698.53$1,539.65$1,744.52$1,766.62$1,984.09$2,626.58
Married 60-year-old male$1,164.11$1,454.72$1,354.98$1,522.90$1,796.51$1,693.68$1,744.52$1,793.91$2,415.91$2,628.83
Married 35-year-old female$1,253.21$1,693.83$1,504.34$1,765.93$1,898.88$1,723.13$1,939.37$1,970.82$2,225.67$2,654.33
Married 35-year-old male$1,253.36$1,519.09$1,504.34$1,669.86$1,935.42$1,757.00$1,939.37$1,876.30$2,404.82$2,701.29
Single 25-year-old female$1,494.98$1,558.94$1,702.79$2,121.46$2,181.40$2,342.61$1,939.37$2,119.94$2,523.91$2,782.35
Single 25-year-old male$1,642.71$1,420.78$1,965.99$2,305.16$2,356.87$2,494.85$2,321.93$2,172.39$2,769.64$3,196.31
Single 17-year-old female$3,605.52$3,976.39$4,576.33$4,848.22$4,651.54$5,363.42$5,363.62$6,022.00$11,925.31$12,815.78
Single 17-year-old male$3,790.94$3,685.99$5,744.34$5,452.02$5,949.93$5,728.30$7,418.86$6,827.73$13,411.90$20,627.28

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USAA and Geico both offer very similar rates, however, keep in mind that only active or retired military personnel and their families are eligible to use USAA.

We can tell Travelers is not very competitive in Des Moines as their rates are almost double what other companies offer.

Major commercial company the General is also not competitive in your city, which is why they do not appear in our data. Other auto insurance companies near you offer much cheaper auto insurance.

If you’re twenty-five or older, consider looking into State Farm. Their rates for your age bracket is lower than Geico. However, for teen drivers or families adding a teenager to the policy, Geico is a great place to start.

Interestingly, Geico’s rates for men are lower than for women in Des Moines, which is pretty rare.

The graph below explores the different monthly rates from auto insurance companies in  Des Moines, IA.

Des Moines, IA Average Monthly Auto Insurance Rates by Company Legend: Des Moines State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 $25 $27 $27 $28 $32

State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 $25 $27 $27 $28 $32

American Family and Grinnell offer some great deals in Des Moines. Those are some pretty well-established Iowa companies.

Keep reading and we’ll explore specific factors that change insurance rates. Soon, it will be clear which company is most compatible with you.

Best Auto Insurance for Commute Rates

How long is your commute? Some companies will charge you more for auto insurance if your drive to work is longer than average.

According to DataUSA, the average commute length for Des Moines residents is only eighteen minutes, which is much lower than the national average of twenty-five minutes.

Take a look at the following table to see how your drive to work might impact your insurance rates.

Des Moines, IA Average Annual Auto Insurance Rates by Commute
CompaniesAverage Rates for a
10 Miles Commute
6,000 Annual Mileage
Average Rates for a 25 Miles Commute
12,000 Annual Mileage
USAA$1,850.92$1,990.54
Geico$2,075.82$2,144.83
State Farm$2,403.21$2,523.82
Progressive$2,643.33$2,643.33
Nationwide$2,808.63$2,808.63
Farmers$2,830.33$2,830.33
Allstate$2,995.41$3,142.02
American Family$3,015.81$3,087.07
Liberty Mutual$4,957.66$4,957.66
Travelers$6,254.09$6,254.09

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USAA, Geico, and State Farm will add around one hundred dollars to your annual rates if you have a twenty-five-mile commute.

However, if you use Progressive or Nationwide, your commute will not affect your rates.

If you’re one of the super commuters in Des Moines who drive ninety minutes or more to work each day, you will still be able to secure affordable auto insurance by being mindful about which company you choose for coverage.

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Best Auto Insurance for Coverage Level Rates

In order to attain a license and legally drive in Iowa, your insurance must meet the state’s minimum standards.

Some of Iowa’s driving laws include a minimum liability coverage amount of twenty-thousand dollars per individual and forty-thousand per accident. Drivers must also be covered by a fifteen thousand dollar property damage policy.

However, if you drive a luxury vehicle or lease or finance your car, you may consider opting for higher coverage. See how much that might cost you in the table below.

Des Moines, IA Average Annual Auto Insurance Rates by Coverage Level
CompaniesAverage Rates for Low CoverageAverage Rates for Medium CoverageAverage Rates for High Coverage
USAA$1,809.57$1,928.15$2,024.47
Geico$1,967.40$2,110.90$2,252.67
State Farm$2,312.26$2,482.55$2,595.72
Progressive$2,462.06$2,655.56$2,812.38
Farmers$2,698.08$2,839.83$2,953.08
Nationwide$2,898.49$2,809.66$2,717.75
Allstate$2,950.75$3,073.28$3,182.10
American Family$3,028.24$3,223.73$2,902.36
Liberty Mutual$4,738.04$4,948.46$5,186.48
Travelers$5,816.63$6,352.75$6,592.90

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For just a few hundred dollars more per year, you can purchase high coverage auto insurance in Des Moines.

The following graph compares monthly average rates for a basic coverage policy versus more comprehensive coverage.

Average Monthly Auto Insurance Rate Comparison: Basic Coverage vs. Comprehensive Coverage Legend: Basic Coverage Comprehensive Coverage State Farm American Family Grinnell Farmers Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 $25 $68 $27 $91 $27 $151 $28 $78 $32 $107

State Farm American Family Grinnell Farmers Allstate 10 20 30 40 50 60 70 80 90 100 110 120 130 140 150 $25 $68 $27 $91 $27 $151 $28 $78 $32 $107

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.

Best Auto Insurance for Credit History Rates

Your credit score plays a significant role in what you get charged monthly for your vehicle insurance.

If you don’t have good credit, take a look at the following table to see what you might end up paying for insurance.

Des Moines, IA Average Annual Auto Insurance Rates by Credit History
CompaniesAverage Rates with Good CreditAverage Rates with Fair CregitAverage Rates with Poor Credit
USAA$1,513.38$1,740.94$2,507.87
Geico$1,686.51$2,110.33$2,534.13
State Farm$1,711.01$2,170.04$3,509.48
Progressive$2,316.60$2,535.43$3,077.96
Nationwide$2,343.98$2,687.75$3,394.18
American Family$2,412.36$2,853.87$3,888.10
Farmers$2,550.89$2,694.78$3,245.33
Allstate$2,627.56$2,913.70$3,664.88
Liberty Mutual$3,444.80$4,393.53$7,034.64
Travelers$5,747.14$6,015.41$6,999.74

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With USAA and Geico, poor credit increases your rates by one thousand dollars. State Farm increases your rates by two thousand dollars.

If you have bad credit, consider switching out State Farm and adding Progressive to your list of companies to compare; their rates are lower.

Take a look at the following graph, which clearly demonstrates how poor credit can almost double what you pay each month to remain insured.

Average Monthly Auto Insurance Rates by Credit Score Legend: Excellent Credit Poor Credit State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 40 45 $20 $48 $25 $42 $26 $30 $25 $44 $29 $36

State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 40 45 $20 $48 $25 $42 $26 $30 $25 $44 $29 $36

Fortunately, poor credit does not last forever. Invest in insurance that fits your budget and know that paying your premiums on time can help you improve your credit score.

If you have poor credit and don’t drive much, you may even consider comparing the top usage-based insurance programs, which charge you based on how good of a driver you are and how far you drive each month.

Best Auto Insurance for Driving Record Rates

Do you have a fairly clean Iowa driving record? If so, then you can expect to pay substantially lower monthly rates for your automotive insurance.

See how much a single speeding violation will increase your rates for auto insurance in Des Moines, Iowa in the table below.

Des Moines, IA Average Annual Auto Insurance Rates by Driving History
CompaniesAverage Rates with a Clean RecordAverage Rates with 1 AccidentAverage Rates with 1 DUIAverage Rates with 1 Speeding Violation
USAA$1,455.31$1,979.62$2,571.26$1,676.74
Geico$1,555.84$2,227.84$2,989.85$1,667.76
Nationwide$2,052.50$2,919.62$3,950.53$2,311.89
Progressive$2,107.02$3,534.98$2,294.00$2,637.34
American Family$2,205.00$3,223.73$4,188.33$2,588.71
State Farm$2,247.33$2,679.69$2,463.52$2,463.52
Farmers$2,410.81$2,993.36$3,044.01$2,873.14
Allstate$2,580.21$3,151.66$3,632.62$2,910.36
Liberty Mutual$4,267.33$5,324.33$5,385.31$4,853.66
Travelers$4,520.23$6,097.45$8,193.72$6,204.97

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USAA will hike your rates up by two-hundred dollars if you’re caught speeding. Geico will tack on an extra hundred.

A more serious violation, like a DUI, will add over one-thousand dollars to your annual rates. You might need to file for SR22 insurance in Iowa if you prove to be too high-risk of a driver.

Take a look at the following graph, which shows how your monthly rates increase after a traffic violation.

Impact of Driving Violations on Average Monthly Auto Insurance Rates Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 40 45 50 55 $25 $28 $28 $30 $27 $34 $50 $56 $27 $27 Do Not Sell $27 $28 $39 $45 $43 $32 $35 $41 $39

State Farm American Family Grinnell Farmers Allstate 5 10 15 20 25 30 35 40 45 50 55 $25 $28 $28 $30 $27 $34 $50 $56 $27 $27 Do Not Sell $27 $28 $39 $45 $43 $32 $35 $41 $39

Safe driving always pays off, it will protect your while driving and can help you save money.

Be extra cautious when driving on Interstate-235. If the camera’s on the highway catch your driving seventy-one miles per hour, you will receive a ticket for a violation in the mail.

The cameras were turned off by the Iowa Department of Transportation in 2017. However, in April of 2018, the Iowa Supreme Court ruled the Iowa DOT did not have the authority to make that choice. They have since turned the cameras back on.

Local news station KCCI covers the story in more detail in the video below.

The cameras can be placed anywhere, and the citations are exactly the same as if a police officer pulled you over. Now that you know how much that speeding ticket can add to your auto insurance in Des Moines, IA, be sure to follow the speed limit signs.

If you do have a minor violation or two, your rate will go up. However, you may be able to reduce your premium with accident forgiveness programs and other similar discounts.

What affects auto insurance rates in Des Moines?

We’ve talked about your specific factors that affect auto insurance, but that’s not all companies care about.

To fully answer the question, how are auto insurance premiums calculated, we have to look at Des Moines’ road conditions, crime rates, and traffic congestion.

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Road Conditions in Des Moines

Areas with poor or mediocre road conditions are prone to more accidents, which can increase auto insurance rates.

Take a look at the following table to see details about Des Moines’ road conditions.

Des Moines, IA Road Conditions
Road ConditionPercent of All Roads
Poor share16%
Mediocre share22%
Fair share18%
Good share44%

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Fortunately, more than half of Des Moines’ roads are in good or fair condition, which will help keep your overall rates low. The vehicle operating cost in your city is $438 annually.

The number of deaths related to car accidents in your city can also affect your auto insurance. Take a look at the following graph, which shows the number of fatal accidents in Des Moines in 2013.

Fatal Accidents in Des Moines, IA Legend: Des Moines Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 20 22 11 19 3 11 23 2

Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 2 4 6 8 10 12 14 16 18 20 22 11 19 3 11 23 2

Fortunately, the roads in your city are relatively safe, especially considering the size. You’ll see this reflected in your vehicle insurance in Des Moines as companies will charge lower annual rates.

Vehicle Theft in Des Moines

The road conditions may be safe but that’s not the only thing impacting your auto insurance in Des Moines, IA. Vehicle thefts in your city can also increase your rates.

Take a look at the following table, which features Des Moines crime statistics from 2017. The data was recorded by the FBI.

Des Moines, IA Crime Rates
Crime TypeTotal Number Reported
Population217,277
Motor vehicle theft1,260
Violent crime1,456
Robbery364
Property crime9,589
Burglary2,388
Larceny-theft5,941

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While the number of vehicle thefts is not incredibly high, living in Des Moines means your vehicle is at the most risk of being stolen, more so than in any other city in Iowa.

In order to make it less of a problem for you, think about installing a passive anti-theft system in your car. Your auto insurance company may reward you with lower rates.

Traffic Congestion in Des Moines

There used to be a lot of traffic problems in Des Moines until the city completed a four-hundred million dollar expansion to the freeway almost twenty-years ago.

The expansion helped resolve the causes of traffic jams, and for a while, Des Moines drivers no longer felt the effects of traffic congestion.

Recently, the causes of traffic congestion are back, and the city is once again asking how to reduce bumper-to-bumper traffic.

According to KCCI, a local Iowa news station, the population projections used for the construction project were incorrect. While the congestion is not extreme, if it is not under control in the next few years you can expect to see your auto insurance premiums rise.

Allstate America’s Best Drivers Report

Every year, Allstate Amerca’s Best Drivers Report ranks the two hundred largest American cities based on how safe their drivers are.

Des Moines made it to number thirty-eight on the list for 2019, which is great.

On average, Des Moines drivers go almost eleven years between claims and experience only fifteen hard-braking events for every one-thousand miles driven.

Does car brand affect insurance?

If you drive a luxury vehicle, it will likely cost you more to insure simply because it will cost insurance companies more money to fix or replace your car if you file a claim.

Owners of more expensive vehicles often also purchase higher coverage policies to protect their assets.

The following graph compares the difference in monthly rates it costs to insure a basic sedan versus a luxury car.

Average Monthly Auto Insurance Rates by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 135 150 $25 $101 $27 $133 $27 $164 $28 $110 $32 $151

State Farm American Family Grinnell Farmers Allstate 15 30 45 60 75 90 105 120 135 150 $25 $101 $27 $133 $27 $164 $28 $110 $32 $151

You can get by with less coverage if you’re driving an economical car. However, a luxury vehicle might require more comprehensive coverage, which will yield higher monthly premiums.

Seek out discounts for the safety features on your vehicle, or for your safe driving, to help lower your monthly rates.

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Frequently Asked Questions: Des Moines, IA Auto Insurance

You are now informed and ready to secure cheap auto insurance in Des Moines, Iowa. Did you think of something we missed? Check out our frequently asked questions below.

#1 – Does Iowa have a compulsory auto insurance law?

Yes, Iowa’s insurance laws include a minimum liability coverage amount of twenty-thousand dollars per individual and forty-thousand per accident. Drivers must also be covered by a fifteen thousand dollar property damage policy.

#2 – How much does auto insurance cost in Iowa?

Your auto insurance quotes in Iowa will change depending on your specific needs and what city you live in.

For example, if you live in Iowa City, your average rates are $2,667.19 annually. If you live in Des Moines, your average rates are $2,724.01 per year.

#3 – Who has the cheapest auto insurance in Iowa?

According to our research, USAA offers the lowest average Iowa auto insurance rates.

#4 – What is the Iowa driving age?

In Iowa, you can apply for a learner’s permit when you are fourteen-years-and-six-months old.

#5 – Are there independent agents in Des Moines, IA?

Yes, Des Moines, IA car insurance agencies. They offer coverage from many different Des Moines, IA car insurance companies.

Consider looking into Budget Auto Insurance in Des Moines. Another independent agency is Insurance Auto Auctions of Des Moines, IA.

State Auto Insurance of Des Moines is a great option if you choose not to use an agent.

Secure those cheap Des Moines auto insurance rates by entering your ZIP code into our FREE tool below.

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