Auto Insurance in Des Moines, IA


Providing a fast and stress-free experience when looking for auto insurance in Des Moines.





Auto Insurance in Des Moines and What You Need to Know



Shopping for quotes on auto insurance in Des Moines from many companies is critical if you would like to find auto insurance in the city. The price of what your friends and acquaintances cover for auto insurance in Des Moines will differ based on numerous factors--such as your age, driving, and history. To help lessen some of your legwork on shopping for auto insurance in Des Moines, we've accumulated auto insurance rates for you from the city. We've found the cheapest alternatives for many sorts of drivers. We've also listed a couple of crucial factors that affect how much you pay for car insurance in the city.

Percentage decrease in Des Moines car insurance costs compared to national average

25.33 %

Percentage increase in Des Moines car costs compared to average in Iowa

4.98 %

Percentage increase in Des Moines car insurance costs compared to most expensive in Iowa

40.59 %

Full Coverage Car Insurance

Protect yourself, your passengers and others. Discover what driving with complete coverage in Des Moines can give you beyond the peace of mind knowing that everyone and everything is protected.

Liability Car Insurance

Meet the insurance requirements for driving in Des Moines with a liability auto insurance coverage plan. You're always better off being protected than not being protected whatsoever.

High Risk Car Insurance

Finding the best high risk car insurance in Des Moines can be daunting. We help you weave through the noise so you can get the best car insurance rate in Des Moines should you a high risk coverage plan.

Home and Auto Insurance

Bundle your next home and auto insurance coverage in Des Moines all into one so you can deal with less companies and save. Learn if a house and auto insurance package is right for you.


Your Driving Record Matters When Getting Auto Insurance in Des Moines

We've all seen the story or have been a part of it. You are getting quotes for car insurance in Des Moines and searching for the best deal on an insurance plan. You get a car insurance quote that is affordable and gives all of the coverage choices you are searching for. Still, then the insurance company comes back and informs you that the complete cost of this insurance premium is more significant than you were quoted. What happened? It may be caused by insurance points. If your driving record from the state's department of motor vehicles comes revealing your car insurance rates in Des Moines could be higher compared to pricing the insurance provider quoted.


best home and auto insurance Des Moines IA

Your Type of Car Plays a Role on Car Insurance Costs in Des Moines

For certain kinds of vehicles, you will find an assortment of variables that decide how much you will pay for auto insurance in Des Moines. The horsepower your vehicle gets, the likelier you will speed and face the threat of a crash. Since cars with power are involved in more accidents, they are more costly to cover. But a SUV could push the price of your auto insurance in Des Moines up because of its capacity to inflict a substantial amount of damage. If you're seeking to get the car insurance, consider cars in the group sedans, midsize SUVs, or minivans. The worth of A vehicle also weighs on the cost to cover it. For many auto insurance companies, the price of the automobile is the first and factor when setting the purchase price of your auto insurance in Des Moines. It is ideal to think about more lower-priced vehicles in the event you're watching out for additional insurance savings.

Vehicle TypeAnnual Average Cost of Car Insurance
Car1,191.59
Luxury1,099.24
SUV1,014.77
Van933.68
Truck912.28



best home and auto insurance Des Moines IA

Cost of Car Insurance in Des Moines by Gender and Marital Status

In a number of states, gender is no longer a factor that can be used to compute auto insurance prices. In terms of your marital status, however, your rates may be influenced by it on auto insurance in Des Moines. Generally, married couples are more likely to be given a reduced auto insurance rate. Individuals have a greater likelihood of accidents than women and men. Besides young singles, divorced people and older widows see higher prices on auto insurance in Des Moines. You may be given a discounted insurance fee for having a national partner. But that practice is much less prevalent. The fact is that couples are not as inclined to get into automobile accidents. There are a variety of theories about why this could be the situation; some sources state married drivers drive than their single counterparts. Other resources hypothesize that drivers that are married have less risky and more secure lifestyles compared to singles. In any event, you got married or are married, in case, then you could qualify for a car insurance rates in Des Moines.

Where You Live in Des Moines Affects Car Insurance Costs

Annual savings for car insurance in smaller towns near Des Moines

14 %

Annual savings for car insurance in medium sized cities near Des Moines

6 %


The amount that informs the post office in can save or cost you thousands of dollars on car insurance in Des Moines. The discrepancies in automobile insurance policy prices by zip code have little to do with all the manufacturers and models of automobiles and much associated with the crime. Cities with high levels of theft claims and injuries generally see higher insurance premiums because companies lump zip codes that are specific jointly. City drivers always pay. More cars mean more mishaps, to put it differently. Other factors that are considered if businesses are pricing your auto insurance in Des Moines are the status of the roads on your zip code. Zipcodes with roads that are less developed may even see higher auto insurance prices.

Average Costs of Auto Insurance in Des Moines by Types of Coverage


Type of Auto Insurance CoverageAverage Annual Rate
Without Comprehensive or Collision831.24
Auto Insurance with Comprehensive Only980.86
Auto Insurance with Comprehensive and Collision1,446.34


Your Credit Affects Your Car Insurance Costs

Apart from your driving history and the sort of automobile you drive, your credit score can affect what you pay for auto insurance in Des Moines. Many businesses utilize credit-based insurance policy when deciding the purchase price of your car insurance prices. Studies indicate that using this score helps whenever someone is likely to get into an accident insurance businesses predict insurance. In fact, 92 percent of the car insurance companies in Des Moines now think about your credit rating when calculating how much you will pay for auto insurance. A car insurance policy makes it possible for insurers to estimate the fairest acceptable rate for every single client. Therefore yes, your costs can affect on auto insurance in Des Moines. Despite the fact that your credit history plays when it comes to pricing your auto insurance, it is still important to focus on the items you can control.

Average car insurance rate changes in Des Moines based off credit scores.

65 %

Max car insurance rate changes in Des Moines based off credit scores

130 %


92 percent of the car insurance companies in Des Moines now consider your credit score when calculating how much you will pay for auto insurance.



Des Moines Car Insurance Rates by Age

The rates for auto insurance in Des Moines vary considerably by age group. This is because age groups are more of a responsibility to pay than others due to a greater likelihood of claims that are costly and injuries. The drivers have a tendency to have the amount of traffic incidents and exhibit more reckless behavior than older drivers. They are the most costly to insure as an outcome. Auto insurance prices in Des Moines fall off for adults as soon as they start to settle around middle age since they get more experience behind the wheel and also get into fewer injuries in comparison. This trend continues until drivers reach their seventies, where auto insurance prices start to grow again. But even though age is one of the most crucial variables that play into the expense of car insurance in Des Moines, the impact of age on auto insurance rates could vary from state to state. Overall, however, you generally will see the youngest drivers paying the most amount for an Des Moines auto insurance plan.

best home and auto insurance Des Moines IA


Getting the Best Auto Insurance Rates in Des Moines


Shopping for and buying auto insurance in Des Moines may look to be experience and an unwelcome cost. It's one that you can do to protect you from financial loss related to natural disaster, automobile theft, a traffic collision, or another event. None of us wants to spend more than we will need to for getting auto insurance in Des Moines, but it is not always clear how to secure reduced auto insurance prices. The only way to make sure you're getting the cheapest rate possible is to search around. Insurers supply an range of discounts, which might mean lower insurance prices for clients if they're even looking to package their car insurance alongside their home insurance or who meet specific requirements. Just take the opportunity to analyze the prices and compare them before you choose which kind of auto insurance in Des Moines is ideal for you.