Buy Cheap Des Moines, IA Auto Insurance
On average, Des Moines, IA auto insurance costs $267 per month or $3,210 annually. However, your rates depend on your age, driving record, and coverage needs. The cheapest Des Moines, IA auto insurance company is USAA, followed by GEICO. By law, all Des Moines residents must carry at least the Iowa minimum auto insurance requirements of 20/40/15 in liability coverage to drive on the roads.
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UPDATED: Jul 15, 2021
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- On average, Des Moines, IA auto insurance costs $267 per month or $3,210 annually
- USAA offers the cheapest average quotes in your city, followed by GEICO
- Mild traffic and higher than the state average vehicle theft statistics impact your regional Des Moines insurance costs
The average cost of Des Moines, IA auto insurance is $267 per month or $3,210 annually. However, your premiums depend on your age, driving record, and coverage needs.
Below, compare genuine annual rates from the top providers in Des Moines and learn how to secure affordable Iowa auto insurance.
When you’re ready, you can compare affordable Des Moines, IA auto insurance rates for free by entering your ZIP code into our quote tool above.
What is the cheapest auto insurance company in Des Moines, IA?
USAA offers the cheapest average Des Moines, IA auto insurance quotes. However, only military personnel are eligible to purchase policies from this company.
The next cheapest Des Moines, IA auto insurance company available to everyone is GEICO.
In the list below, compare the average annual rates from the top insurance providers in your city:
- USAA – $1,920.73
- GEICO – $2,110.32
- State Farm – $2,463.51
- Progressive – $2,643.34
- Nationwide – $2,808.64
- Farmers – $2,830.33
- American Family – $3,051.45
- Allstate – $3,068.71
- Liberty Mutual – $4,957.66
- Travelers – $6,254.09
It’s important to note that every insurance company uses a different formula when calculating rates.
Therefore, it’s essential to compare quotes from multiple providers online before choosing a policy.
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What auto insurance coverage is required in Des Moines, IA?
By law, all Des Moines residents must carry at least the Iowa minimum auto insurance limits to drive on the roads.
In Iowa, uninsured motorists risk hefty fines and a 12-month license suspension.
Currently, Iowa requires all drivers to have at least:
- $20,000 per person and $40,000 per incident in bodily injury liability coverage
- $15,000 per incident in property damage liability coverage
Iowa is an at-fault or tort state. You use your liability auto insurance to cover damages to another driver after an accident you cause.
What affects auto insurance rates in Des Moines, IA?
Des Moines is the largest city in Iowa; it also has some of the highest regional insurance rates in the state.
According to INRIX, Des Moines is the 207th most congested city in America. Drivers in your city lose up to two hours to backed up traffic each year.
Fortunately, City-Data reports that the commute length for Des Moines drivers is only 18 minutes, shorter than the national average of 26 minutes.
Unfortunately, the auto theft statistics in Des Moines are much higher than the state average, negatively impacting insurance costs in your city.
The Federal Bureau of Investigation (FBI) recorded 1,260 stolen cars in Des Moines in 2017. That’s a high rate of 579.9 auto thefts per 100,000 residents.
Des Moines, IA Auto Insurance: The Bottom Line
Overall, Des Moines insurance rates are high compared to the rest of the state.
However, you can still secure cheap insurance rates by comparing quotes online and seeking out auto insurance discounts.
You can buy Des Moines, IA auto insurance right now by entering your ZIP code into our free quote tool below.