Cheapest Car Insurance In Des Moines, IA 2024
West Bend Mutual offers the cheapest car insurance in Des Moines, with an average rate of $25 a month.
We’ve saved shoppers an average of $600 per year on their car insurance.
When searching for the cheapest car insurance in Des Moines, IA, the prices can vary significantly.
For liability-only coverage, West Bend Mutual is the top choice. For those needing full coverage, State Farm provides the best rates. Meanwhile, young drivers will find the most affordable options with Sentry.
Cheapest Car Insurance Companies In Des Moines, IA 2024
Cheapest Minimum Coverage Car Insurance In Des Moines: West Bend Mutual
West Bend Mutual offers the cheapest car insurance for minimum coverage in Des Moines, with an average monthly cost of $25.
| Provider | Average Monthly Cost | Average Annual Cost |
| West Bend Mutual | $25 | $300 |
| Progressive | $29 | $348 |
| Westfield | $27 | $324 |
| Auto-Owners Insurance Co | $26 | $312 |
| State Farm | $28 | $336 |
Having minimum car insurance gives you some protection while on the road, but it does not include collision or comprehensive coverage. This means that damages to your own vehicle in the event of an accident or other incidents like theft and natural disasters will not be covered.
Cheapest Auto Insurance Rates In Des Moines For Teenagers: Safeco
Teenage drivers in Des Moines can secure the most affordable quotes from Safeco, with average monthly premiums of $108.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $108 | $1296 |
| State Farm | $173 | $2076 |
| Metropolitan | $180 | $2160 |
| Sentry | $165 | $1980 |
| IMT Insurance Company | $160 | $1920 |
Teenage drivers typically encounter the highest car insurance premiums due to their lack of experience behind the wheel. Insurance providers categorize these young drivers as high-risk due to statistics showing they are more likely to be involved in accidents and commit traffic violations.
Cheapest Full Coverage Car Insurance In Des Moines: State Farm
State Farm offers the cheapest car insurance rates for full coverage in Des Moines, with average quotes of $55 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $55 | $660 |
| Westfield | $65 | $780 |
| West Bend Mutual | $57 | $684 |
| American Family | $59 | $708 |
| GEICO | $65 | $780 |
Full coverage car insurance offers extensive protection that goes beyond the basic coverage required by law. It typically includes both comprehensive and collision coverages. Comprehensive coverage protects against non-collision incidents such as theft, vandalism, or natural disasters. Collision coverage provides financial protection for damages to your vehicle caused by accidents, regardless of who is at fault.
Cheapest For Drivers With After At-Fault Accident: American Family
American Family provides the most affordable car insurance quotes for drivers with an at-fault incident, with an average monthly rate of $65.
| Provider | Average Monthly Cost | Average Annual Cost |
| Western National | $90 | $1,080 |
| Auto-Owners Insurance Co | $85 | $1,020 |
| Travelers | $95 | $1,140 |
| American Family | $60 | $780 |
| State Farm | $80 | $960 |
Cheapest Car Insurance In Des Moines For Drivers After A DUI: American Family
American Family offers the lowest rates for drivers with a DUI in Des Moines, with average monthly premiums of $75.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $80 | $960 |
| Travelers | $105 | $1,140 |
| American Family | $75 | $900 |
| Western National | $90 | $1,080 |
| Progressive | $78 | $936 |
Cheapest Car Insurance In Des Moines After A Speeding Ticket: American Family
American Family stands out as a particularly affordable option, with average rates of just $65 per month.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $85 | $1,020 |
| Westfield | $88 | $1,056 |
| American Family | $65 | $780 |
| State Farm | $90 | $1,080 |
| West Bend Mutual | $75 | $900 |
Cheapest Car Insurance In Des Moines For Seniors: Safeco
Safeco offers the cheapest car insurance rates for seniors in Des Moines, with quotes averaging $65 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Safeco | $65 | $780 |
| Farm Bureau Mutual (IA Group) | $69 | $828 |
| IMT Insurance Company | $74 | $888 |
| State Farm | $70 | $840 |
| Hastings Mutual Insurance Co | $83 | $996 |
In Iowa, many seniors may find favorable car insurance rates due to various beneficial factors. While age is typically considered in determining insurance rates, and older age is sometimes linked to decreased driving ability, this stereotype does not apply to everyone.
Cheapest Car Insurance In Des Moines For Young Adults: Sentry
Sentry provides the most affordable car insurance quotes for young adults in Des Moines, with rates averaging around $100 a month.
| Provider | Average Monthly Cost | Average Annual Cost |
| Sentry | $100 | $1200 |
| Metropolitan | $120 | $1440 |
| Farm Bureau Mutual (IA Group) | $125 | $1500 |
| State Farm | $105 | $1260 |
| Safeco | $115 | $1380 |
In Iowa, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This difference in pricing is due to the development of more mature driving habits and a decrease in risk-taking behaviors as drivers mature. Statistically, young adults are less likely to file insurance claims, reflecting a reduced involvement in accidents. As a result, insurance companies lower premiums for these more experienced drivers, acknowledging their improved safety records and decreased likelihood of claims.
Best Car Insurance Companies In Des Moines
When selecting car insurance in Des Moines, IA, it’s crucial to balance affordable rates with dependable coverage. Here’s a list of the top 10 car insurance providers in Des Moines, ranked by their average monthly rates.
| Company | Monthly Premium |
| State Farm | $78 |
| Hastings Mutual Insurance Co | $106 |
| Farm Bureau Mutual (IA Group) | $93 |
| Pekin Insurance | $108 |
| Safeco | $85 |
| Nationwide ThreeSixZero | $120 |
| IMT Insurance Company | $98 |
| American Family | $118 |
| Auto-Owners Insurance Co | $121 |
| USAA | $105 |
Average Cost Of Car Insurance In Des Moines – By Age
| Age | Average Yearly Rate |
| Teenagers | $192 |
| 20s | $139 |
| 30s | $107 |
| 40s | $90 |
| 50s | $96 |
| 60s | $88 |
| 70s | $93 |
Age plays a crucial role in determining car insurance costs. Younger drivers, such as teenagers and young adults, generally encounter higher premiums due to their lack of driving experience and higher likelihood of accidents and traffic violations. By the age of 25, assuming a clean driving record, insurance rates typically begin to decrease. The most favorable rates are often offered to drivers in their 50s and early 60s. Insurance companies use age as a key factor to assess driving experience and risk levels, which directly impacts premium prices.
How Much Is Car Insurance In Other Cities in California?
| City | Average Monthly Rate |
| Ames | $108 |
| Red Oak | $106 |
| Boone | $100 |
| Davenport | $115 |
| Cedar Rapids | $98 |
| Harlan | $97 |
| Clinton | $80 |
| Des Moines | $113 |
| Council Bluffs | $112 |
| Dubuque | $118 |
Where you live plays a crucial role in determining your car insurance rates. Insurance providers analyze several factors specific to your location, such as the likelihood of accidents, rates of vehicle theft, and incidents of vandalism. Urban areas, in particular, tend to have higher risks associated with these factors, leading insurance companies to charge higher premiums to offset the increased likelihood of claims. Therefore, where you reside directly influences the cost of your car insurance due to varying levels of risk associated with different geographical locations.
Average Cost Of Auto Insurance In Des Moines – By Zip Code
| City | Average Monthly Rate |
| 50038 | $75 |
| 50304 | $47 |
| 50266 | $58 |
| 50307 | $191 |
| 50250 | $98 |
Our Methodology
Based on a thorough analysis that includes customer service ratings, available product options, pricing, and extensive reviews from online sources and user experiences, I have compiled a detailed overview of the car insurance landscape in Des Moines, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Des Moines?
The most affordable car insurance premiums in Des Moines can be found with West Bend Mutual for the basic coverage mandated by Iowa state law, and State Farm for comprehensive insurance that covers both collisions and non-collision incidents.
What is the average cost of car insurance in Des Moines?
The typical monthly cost of car insurance in Des Moines averages around $109. However, these rates can vary depending on factors such as your zip code, the year and model of your car, your driving history, and other relevant details.
