Buy Cheap West Des Moines, IA Auto Insurance (2022)

West Des Moines, IA auto insurance rates average $242 a month. Minimum auto insurance requirements in West Des Moines, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in West Des Moines, IA, compare West Des Moines auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • The most expensive auto insurance company in West Des Moines after a DUI is Travelers
  • Average auto insurance rates in West Des Moines, IA for teens drivers are $5,709/year
  • Average auto insurance rates in West Des Moines, IA are $242/month

Finding affordable West Des Moines, Iowa auto insurance can be challenging, but everything you need to know to buy cheap West Des Moines, IA auto insurance with confidence is right here. Auto insurance rates in West Des Moines are affected by local factors as well as personal ones like your driving record.

See how West Des Moines, IA car insurance rates compare to Ames auto insurance rates, Ankeny auto insurance rates, and Council Bluffs auto insurance rates before you read more about the cost of auto insurance in West Des Moines.

Don’t buy West Des Moines, IA auto insurance until you’ve compared rates. Get free West Des Moines, Iowa auto insurance quotes when you enter your ZIP code above.

West Des Moines, IA Minimum Auto Insurance Requirements

The required auto insurance in West Des Moines, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in West Des Moines, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in West Des Moines, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap West Des Moines, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in West Des Moines, IA. Take a look at West Des Moines, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in West Des Moines, Iowa

Insurance Company Poor Fair Good
Allstate $3,667 $2,915 $2,628
American Family $3,532 $2,592 $2,195
Farmers $3,097 $2,572 $2,434
GEICO $2,534 $2,110 $1,687
Liberty Mutual $6,510 $4,075 $3,196
Nationwide $3,105 $2,463 $2,149
Progressive $2,612 $2,156 $1,972
State Farm $3,183 $1,969 $1,553
Travelers $5,600 $4,805 $4,586
USAA $2,280 $1,586 $1,380

Buy Cheap West Des Moines, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect West Des Moines, Iowa auto insurance rates? Find out how car insurance rates in West Des Moines, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in West Des Moines, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,972 $1,878 $1,768 $1,795 $6,023 $6,829 $2,121 $2,174
American Family $1,761 $1,761 $1,586 $1,586 $4,885 $6,741 $1,761 $2,105
Farmers $1,638 $1,671 $1,463 $1,615 $5,132 $5,492 $2,230 $2,365
GEICO $1,694 $1,519 $1,573 $1,455 $3,976 $3,686 $1,559 $1,421
Liberty Mutual $2,054 $2,216 $1,831 $2,226 $11,085 $12,457 $2,329 $2,554
Nationwide $1,741 $1,774 $1,560 $1,648 $4,257 $5,438 $2,000 $2,159
Progressive $1,488 $1,404 $1,233 $1,283 $4,158 $4,670 $1,790 $1,949
State Farm $1,368 $1,368 $1,232 $1,232 $4,143 $5,203 $1,548 $1,784
Travelers $2,176 $2,215 $2,149 $2,147 $10,165 $16,208 $2,280 $2,637
USAA $1,147 $1,146 $1,065 $1,067 $3,270 $3,436 $1,363 $1,497

Buy Cheap West Des Moines, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in West Des Moines can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in West Des Moines, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in West Des Moines, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,023 $6,829
American Family $4,885 $6,741
Farmers $5,132 $5,492
GEICO $3,976 $3,686
Liberty Mutual $11,085 $12,457
Nationwide $4,257 $5,438
Progressive $4,158 $4,670
State Farm $4,143 $5,203
Travelers $10,165 $16,208
USAA $3,270 $3,436

Buy Cheap West Des Moines, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in West Des Moines, Iowa by comparing West Des Moines senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in West Des Moines, IA here.

Annual Auto Insurance Rates for Senior Drivers in West Des Moines, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,795
American Family $1,586 $1,586
Farmers $1,463 $1,615
GEICO $1,573 $1,455
Liberty Mutual $1,831 $2,226
Nationwide $1,560 $1,648
Progressive $1,233 $1,283
State Farm $1,232 $1,232
Travelers $2,149 $2,147
USAA $1,065 $1,067

Find Cheap Auto Insurance Rates in West Des Moines, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of West Des Moines, Iowa auto insurance. Compare West Des Moines, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in West Des Moines, Iowa

Insurance Company Low Medium High
Allstate $2,951 $3,074 $3,184
American Family $2,744 $2,931 $2,645
Farmers $2,568 $2,710 $2,824
GEICO $1,967 $2,111 $2,253
Liberty Mutual $4,398 $4,588 $4,796
Nationwide $2,656 $2,573 $2,487
Progressive $2,104 $2,259 $2,378
State Farm $2,095 $2,252 $2,357
Travelers $4,690 $5,073 $5,228
USAA $1,639 $1,756 $1,851

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Find Cheap West Des Moines, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in West Des Moines. Compare auto insurance rates in West Des Moines, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in West Des Moines, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,997 $3,143
American Family $2,741 $2,806
Farmers $2,701 $2,701
GEICO $2,076 $2,145
Liberty Mutual $4,594 $4,594
Nationwide $2,572 $2,572
Progressive $2,247 $2,247
State Farm $2,180 $2,290
Travelers $4,997 $4,997
USAA $1,685 $1,812

Find Cheap West Des Moines, IA Auto Insurance Rates by ZIP Code

Auto insurance rates in West Des Moines, Iowa can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in West Des Moines, IA to see how much where you live in West Des Moines affects the cost of car insurance.

Annual Auto Insurance Rates by ZIP Code in West Des Moines, Iowa

ZIP Code Average Annual Rates
50265 $2,454
50266 $2,460

Find Cheap West Des Moines, IA Auto Insurance Rates by Driving Record

Auto insurance rates in West Des Moines, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in West Des Moines, IA, take a look at the average cost for various violations versus rates for a clean driving record in West Des Moines.

Annual West Des Moines, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,581 $3,153 $3,634 $2,912
American Family $2,002 $2,941 $3,801 $2,350
Farmers $2,302 $2,855 $2,905 $2,742
GEICO $1,556 $2,228 $2,990 $1,668
Liberty Mutual $3,956 $4,934 $4,987 $4,499
Nationwide $1,884 $2,673 $3,611 $2,120
Progressive $1,791 $3,010 $1,948 $2,238
State Farm $2,040 $2,430 $2,235 $2,235
Travelers $3,618 $4,869 $6,532 $4,969
USAA $1,326 $1,803 $2,338 $1,527

Find Cheap West Des Moines, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in West Des Moines, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in West Des Moines for less when you shop around and compare rates from multiple West Des Moines, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in West Des Moines, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,634
American Family $3,801
Farmers $2,905
GEICO $2,990
Liberty Mutual $4,987
Nationwide $3,611
Progressive $1,948
State Farm $2,235
Travelers $6,532
USAA $2,338

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Winners by Category: Where to Buy Cheap Auto Insurance in West Des Moines, IA

Compare rates from the cheapest auto insurance companies in West Des Moines, IA for your needs. Take a look at how West Des Moines, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in West Des Moines, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Find Cheap West Des Moines, Iowa Auto Insurance Companies

If you’re looking for the cheapest West Des Moines, IA auto insurance companies overall, you can compare them here. Find the best price for West Des Moines, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in West Des Moines, Iowa

Insurance Company Average Annual Rates
Allstate $3,070
American Family $2,773
Farmers $2,701
GEICO $2,110
Liberty Mutual $4,594
Nationwide $2,572
Progressive $2,247
State Farm $2,235
Travelers $4,997
USAA $1,749

What affects West Des Moines, Iowa auto insurance rates?

Local factors affect auto insurance rates in West Des Moines, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact West Des Moines auto insurance rates.

Commute Times in West Des Moines

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in West Des Moines, IA is 17.0 minutes according to City-Data.

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Compare Auto Insurance Quotes in West Des Moines, IA

You can buy cheap West Des Moines, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free West Des Moines, Iowa auto insurance quotes from top companies.

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