Best Des Moines, IA Auto Insurance in 2024 (Find the Top 10 Companies Here)
Geico, Amica, and Nationwide offer the best Des Moines, IA, auto insurance, with starting rates as low as $45 per month. They are the most aggressive in providing coverage and affordability for their customers. Compare their plans to find the best fit for your needs and ensure optimal protection for your vehicle.
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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...
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UPDATED: Nov 27, 2024
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Full Coverage in Des Moines IA
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Full Coverage in Des Moines IA
A.M. Best Rating
Complaint Level
768 reviews
3,019 reviewsCompany Facts
Full Coverage in Des Moines IA
A.M. Best Rating
Complaint Level
3,019 reviewsThe best Des Moines, IA, auto insurance providers are Geico, Amica, and Nationwide, which offer start-up rates as low as $45 per month.
All three have good marks for coverage, price, and service. Compare their types of auto insurance coverage and choose the one that best fits your needs to protect your car properly.
Our Top 10 Company Picks: Best Des Moines, IA Auto Insurance
| Company | Rank | Bundling Discount | A.M. Best | Best For | Jump to Pros/Cons |
|---|---|---|---|---|---|
 | #1 | 25% | A++ | Special Discounts | Geico |
 | #2 | 30% | A+ | Customer Service | Amica |
 | #3 | 20% | A+ | Simple Claims | Nationwide |
 | #4 | 20% | A | Local Support | Farmers |
 | #5 | 17% | B | Wide Network | State Farm |
 | #6 | 13% | A++ | Extensive Coverage | Travelers |
 | #7 | 10% | A+ | Tight Budgets | Progressive |
 | #8 | 25% | A | Costco Members | American Family |
 | #9 | 25% | A+ | Safe Driving | Allstate |
 | #10 | 25% | A | Customizable Policies | Liberty Mutual |
Don’t let expensive insurance rates hold you back. Enter your ZIP code and shop for affordable premiums from the top companies.
- Geico stands out with competitive rates starting at just $45/month
- Compare top providers like Amica and Nationwide to find the right fit for you
- Explore discounts and coverage levels to balance price and protection
#1 – Geico: Top Overall Pick
Pros
- Most Sensible Prices: Geico’s highly competitive auto insurance costs in Des Moines, IA, make it suitable for any budget-conscious driver.
- Easy Online Quotation in Mobile Application: Efficient online services make policy management easy in Des Moines, IA. For complete information, please review our Geico auto insurance review.
- Multi-Policy Discounts: Geico offers substantial savings to Des Moines, IA, customers who bundle auto insurance with other policies.
Cons
- Very Few Local Agents: Geico’s Des Moines, IA operation is based primarily on online services, which are not attractive to those who want live assistance in person.
- Limited Options of Coverage Add-Ons: Unlike other companies in Des Moines, IA, motorists might not find enough personalization options for their insurance policy.
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#2 – Amica: Best for Outstanding Customer Service
Pros
- Rating High on Customer Satisfaction: Amica stands out for having excellent service and auto insurance claim support in Des Moines, IA. View our Amica auto insurance review to learn more.
- Dividend Policy Options: Under these policies, policyholders in Des Moines, IA, can recover a portion of the premiums received through dividends.
- Amica Wide Coverage Opportunities: Amica offers flexible coverage plans that accommodate various Des Moines, IA needs.
Cons
- Higher Premiums: Amica tends to be pricier than most Des Moines, IA auto insurance companies. This could be a turn-off for budget-conscience users.
- Reduced Physical Location: The absence of local offices would prevent customers in Des Moines, IA, from seeking face-to-face service.
#3 – Nationwide: Best for Personalized Coverage
Pros
- Customizable Policies: Nationwide allows Des Moines, IA, drivers to tailor their auto insurance policies to fit specific needs.
- Vanishing Deductible: Safe drivers in Des Moines, IA, can benefit from decreasing deductibles over time. For deeper details, access our Nationwide auto insurance review.
- Strong Financial Stability: Nationwide’s solid financial ratings provide peace of mind for auto insurance policyholders in Des Moines, IA.
Cons
- Average Mobile App: The mobile experience for policy management in Des Moines, IA, is not as robust as that of competitors.
- Limited Availability of Discounts: Fewer discount options than other Des Moines, IA insurers may lead to higher premiums.
#4 – Farmers: Best for Repayment Arrangement
Pros
- Flexibility in Payment: Farmers offer flexible auto insurance payment plans to suit the budgets of residents of Des Moines, IA.
- Good Roadside Assistance: Des Moines, IA, provides good roadside assistance to customers. For additional insights, read our Farmers auto insurance review.
- Local Agent Support: A huge network of agents provides personalized support in Des Moines, IA.
Cons:
- Higher Base Rates: Farmers tend to have a higher base premium for autos in Des Moines, IA.
- Limited Features on the Internet: The digital tools and mobile app functionalities may not be comparable.
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#5 – State Farm: Best for Local Agent Presence
Pros
- Strong Local Agent Network: State Farm’s numerous Des Moines, IA agents provide personalized service and advice.
- Steer Clear Program: Des Moines, IA, teens can benefit from discounts through State Farm’s safe driving program. Peruse our State Farm auto insurance review for complete details.
- Good Claims Handling: Efficient claims process tailored to the needs of Des Moines, IA auto insurance customers.
Cons
- Higher Premiums for High-Risk Drivers: Rates for high-risk drivers in Des Moines, IA, may be less competitive than those of other providers.
- Limited Online Discounts: Fewer online-exclusive discounts compared to other auto insurers in Des Moines, IA.
#6 – Travelers: Best for Optional Coverage
Pros
- Broad Range of Coverage Options: Travelers offers versatile coverage add-ons for Des Moines, IA drivers. Please read through our Travelers auto insurance review for all the information.
- Accident Forgiveness Program: In Des Moines, IA, policyholders can benefit from accident forgiveness to prevent premium increases.
- Robust Online Tools: User-friendly website and mobile app for auto insurance management in Des Moines, IA.
Cons
- Average Customer Service: Travelers’ customer support in Des Moines, IA, may not be as highly rated as competitors.
- Fewer Local Agents: Limited agent presence in Des Moines, IA, may not suit those who prefer face-to-face interactions.
#7 – Progressive: Best for High-Risk Drivers
Pros
- Competitive Rates for High-Risk Drivers: Progressive offers lower rates for high-risk auto insurance customers in Des Moines, IA.
- Strong Mobile App: Progressive’s app allows Des Moines, IA, customers to manage their policies and file claims easily. Explore our Progressive auto insurance review for a detailed breakdown.
- Snapshot Program: Safe drivers in Des Moines, IA, can save money with usage-based discounts through the Snapshot program.
Cons
- Higher Rates for Standard Coverage: Regular auto insurance premiums in Des Moines, IA, may be higher than average.
- Mixed Customer Service Reviews: Customer service satisfaction can be inconsistent in Des Moines, IA.
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#8 – American Family: Best for Families and Teens
Pros
- Good Student Discounts: American Family offers significant discounts for students with good academic records in Des Moines, IA.
- Usage-Based Insurance: Drivers in Des Moines, IA, can save money with the KnowYourDrive program, which is based on safe driving habits.
- Bundling Options: Policyholders in Des Moines, IA, can save money by bundling auto insurance with other products, such as home insurance.
Cons
- Limited Online Tools: Digital services and mobile app features may lag behind competitors in Des Moines, IA. Get the details in our American Family auto insurance review to learn more.
- Higher Premiums for Single Policies: Without bundling, standalone auto insurance rates in Des Moines, IA, can be less competitive.
#9 – Allstate: Best for High Coverage Limits
Pros
- Extensive Coverage Options: Allstate provides numerous coverage choices to meet various needs in Des Moines, IA.
- Safe Driving Rewards: Des Moines, IA drivers can earn rewards and discounts to maintain a safe driving record. Check out our entire Allstate auto insurance review to discover more.
- Strong Claims Support: Reliable claims process for auto insurance policyholders in Des Moines, IA.
Cons
- Higher Rates for Some Drivers: Rates can be higher for drivers with less-than-perfect records in Des Moines, IA.
- Mixed Reviews for Customer Service: Some Des Moines, IA customers report inconsistent experiences with support.
#10 – Liberty Mutual: Best for Custom Discounts
Pros
- Multiple Discount Options: Liberty Mutual offers various discounts to help drivers in Des Moines, IA, save on auto insurance.
- Good New Car Replacement: Customers can purchase new car replacement coverage in Des Moines, IA. Read our Liberty Mutual auto insurance review to learn more.
- Strong Digital Experience: Easy-to-use mobile app and website streamline Des Moines, IA policy management.
Cons
- Higher Premiums for Older Vehicles: Des Moines, IA drivers with older cars may face higher rates.
- Mixed Satisfaction with Claims: Customer reviews in Des Moines, IA, indicate varied satisfaction with claims handling.
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Des Moines, IA Auto Insurance Monthly Rates by Provider & Coverage Level
Comparing rates and coverage options is key to finding the best auto insurance in Des Moines, IA. If you’re looking for cheap car insurance in Des Moines, explore various providers and their discounts to get the most affordable coverage.
Des Moines, IA Auto Insurance Monthly Rates by Provider & Coverage Level
| Insurance Company | Minimum Coverage | Full Coverage |
|---|---|---|
| $54 | $132 |
| $45 | $115 |
| $65 | $140 |
| $50 | $120 |
| $59 | $130 |
| $55 | $138 |
| $56 | $135 |
| $53 | $127 |
| $52 | $125 |
| $58 | $128 |
We’ve organized monthly rates by provider, available discounts, and findings for each company to help you choose the right auto insurance for your needs and budget.
Auto Insurance Discounts From the Top Providers in Des Moines, IA
| Insurance Company | Available Discounts |
|---|---|
| Safe Driving Bonus, Multi-Policy, New Car, Good Student, Anti-Theft Device, Responsible Payer, Paperless |
| Multi-Policy, Early Bird, Loyalty, Good Student, Low Mileage, Safe Driver, AutoPay |
| Dividend Policy, Multi-Policy, Loyalty, Claim-Free, Good Student, Safe Driver, AutoPay, Anti-Theft Device |
| Multi-Policy, Signal App, Safe Driver, Good Student, Alternative Fuel Vehicle, Homeowner |
| Bundling, Federal Employee, Good Driver, Military, Multi-Vehicle, Defensive Driving, Anti-Theft Device |
| Multi-Policy, Military, Hybrid Vehicle, New Car, Good Student, Violation-Free, Early Shopper, Homeowner |
| Multi-Policy, Vanishing Deductible, Accident-Free, Good Student, Anti-Theft, Defensive Driving, Paperless, AutoPay |
| Snapshot, Multi-Policy, Multi-Vehicle, Homeowner, Good Student, Paperless, Continuous Insurance |
| Multi-Policy, Steer Clear, Safe Vehicle, Good Driver, Good Student, Defensive Driving |
| Multi-Policy, Safe Driver, Good Student, Hybrid/Electric Vehicle, Continuous Insurance, New Car, Homeowner |
Opting for the best auto insurance in Des Moines, IA, revolves around the price versus available coverage and discounts.
Des Moines, IA Auto Accident & Insurance Claim Statistics
| Factor | Value |
|---|---|
| Accidents Per Year | 5,200 |
| Claims Per Year | 3,800 |
| Average Claim Cost | $3,500 |
| Percentage of Uninsured Drivers | 12% |
| Vehicle Theft Rate | 2.3 per 1,000 vehicles |
| Traffic Density | Moderate |
| Weather-Related Incidents | High; icy and snowy conditions frequent |
There are low-to-no-cost plans, excellent savings opportunities, and full-coverage options with the brightest names in insurance — it’s busy work, but you can find one that fits your lifestyle.
Compare rates and levels of coverage now to find the best auto insurance options for you. Explore the different auto insurance coverage options to ensure you get the protection you need.
Des Moines, IA Auto Insurance Monthly Rates by Age
Auto insurance rates can vary significantly based on age, with younger drivers often facing higher premiums. When shopping for auto insurance in Des Moines, IA, different providers offer varying rates for drivers of all ages, so it’s important to compare options.
Des Moines, IA Auto Insurance Monthly Rates by Provider, Age, & Gender
| Insurance Company | Age: 17 Female | Age: 17 Male | Age: 25 Female | Age: 25 Male | Age: 35 Female | Age: 35 Male | Age: 60 Female | Age: 60 Male |
|---|---|---|---|---|---|---|---|---|
| $295 | $315 | $130 | $140 | $115 | $120 | $100 | $105 |
| $270 | $290 | $125 | $135 | $110 | $115 | $95 | $100 |
| $310 | $330 | $140 | $150 | $120 | $125 | $105 | $110 |
| $285 | $305 | $135 | $145 | $115 | $120 | $100 | $105 |
| $240 | $260 | $115 | $125 | $95 | $100 | $85 | $90 |
| $320 | $340 | $150 | $160 | $130 | $135 | $115 | $120 |
| $250 | $270 | $120 | $130 | $105 | $110 | $90 | $95 |
| $260 | $280 | $125 | $135 | $110 | $115 | $95 | $100 |
 | $220 | $240 | $110 | $120 | $90 | $95 | $80 | $85 |
| $275 | $295 | $130 | $140 | $115 | $120 | $100 | $105 |
To help you make the best choice, we’ve compiled a comparison of monthly auto insurance rates by age, allowing you to see how costs change as you move through different life stages. Be sure to compare auto insurance companies to find the most affordable and suitable coverage.
Des Moines, IA Fatal Accidents
Learning how often fatal crashes happen in Des Moines, IA, and their consequences are critical for encouraging safer driving behaviors.
Des Moines, IA Fatal Accidents
| Category | Count |
|---|---|
| Fatalities | 70 |
| Vehicles involved in fatal crashes | 61 |
| Fatal accident count | 41 |
| Persons involved in fatal crashes | 41 |
| Pedestrians involved in fatal accidents | 10 |
| Fatal crashes involving drunk persons | 2 |
This guide tracks some invasive metrics—fatalities, vehicles involved in deadly crashes, and pedestrian or driving under the influence incidents.
This information helps emphasize the key objective of road safety, and working becomes redundant to prevent mishaps and save lives. Additionally, exploring car insurance discounts can reduce costs while maintaining comprehensive coverage.
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Des Moines, IA Auto Insurance Monthly Rates by Credit Score
Your credit score is a big indicator of the prices you receive for auto insurance in Des Moines, IA. A good driver with excellent credit will likely pay less than a fair or bad credit driver. Many insurance companies take your credit history into their premium calculation.
Knowing the impact of your credit score on your insurance is key in finding a provider that will give you competitive rates, even if your credit isn’t great.
Des Moines, IA Auto Insurance Monthly Rates by Credit Score
| Insurance Company | Good Credit | Fair Credit | Bad Credit |
|---|---|---|---|
| $219 | $243 | $305 |
| $201 | $238 | $324 |
| $213 | $225 | $270 |
| $141 | $176 | $211 |
| $287 | $366 | $586 |
| $195 | $224 | $283 |
| $193 | $211 | $256 |
| $143 | $181 | $292 |
| $479 | $501 | $583 |
 | $126 | $145 | $209 |
Shopping around allows you to get the coverage that works with your budget and driving record, ensuring you select the right auto insurance coverage for your needs.
Des Moines, IA Auto Insurance Monthly Rates by Provider & Driving Record
Your driving record matters greatly in Des Moines, IA, regarding how much you pay for auto insurance. Insurance companies raise premiums based on a history of moving violations (speeding tickets, accidents) or DUIs.
Des Moines, IA Auto Insurance Monthly Rates by Provider & Driving Record
| Insurance Company | Clean Record | One Ticket | One Accident | One DUI |
|---|---|---|---|---|
| $215 | $263 | $303 | $243 |
| $184 | $269 | $349 | $216 |
| $201 | $249 | $254 | $239 |
| $130 | $186 | $249 | $139 |
| $356 | $444 | $449 | $404 |
| $171 | $243 | $329 | $193 |
| $176 | $295 | $191 | $220 |
| $187 | $223 | $205 | $205 |
| $377 | $508 | $683 | $517 |
| $121 | $165 | $214 | $140 |
The best rates go to those with a clean driving record, while any infractions will raise premiums. Understanding how factors affect your auto insurance rates helps you make informed decisions. Comparing provider rates allows you to find what works for your driving profile and lifestyle, providing ample protection while keeping costs down.
Des Moines, IA Auto Insurance Monthly Cost by Make & Model
Your car also impacts car insurance in Des Moines, IA. Insurance companies typically use the market price, repair costs, and safety features to determine premium rates.
Des Moines, IA Auto Insurance Monthly Cost by Make & Model
| Insurance Company | 2024 Honda Accord | 2024 Porsche Boxster Spyder |
|---|---|---|
| $172 | $214 |
| $160 | $200 |
| $155 | $185 |
| $180 | $220 |
| $145 | $180 |
| $175 | $215 |
| $165 | $195 |
| $170 | $210 |
| $150 | $190 |
| $188 | $230 |
Unsurprisingly, a 2024 Honda Accord is usually cheaper to insure than a high-performance machine such as the 2024 Porsche Boxster Spyder.
Des Moines, IA Report Card: Auto Insurance Premiums
| Category | Grade | Explanation |
|---|---|---|
| Weather-Related Risks | A | Snow, ice, storms |
| Average Claim Size | B | Moderate vehicle damage |
| Traffic Density | B | Moderate congestion |
| Uninsured Drivers Rate | C | Above average |
| Vehicle Theft Rate | C | Slightly rising theft |
It provides a means of comparing provider rates to ensure you have coverage that best fits your vehicle type and budget.
It also helps answer whether you are driving a family sedan instead of an exotic sports car and which different types of car insurance are most suitable for your vehicle. Understanding the different types of car insurance ensures you get the right coverage for your needs.
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Finding Low-Cost Car Insurance in Des Moines, IA
Hoping for very cheap car insurance in Des Moines, Iowa? Begin by comparing car insurance quotes in Des Moines, IA, to get the cheapest auto insurance in Iowa. Iowa car insurance quotes differ dramatically, and purchasing auto insurance quotes in Des Moines, IA, can help you find the best you can afford.
Shopping around is key to lowering auto insurance premium costs. This allows you to save on cheap auto insurance in Iowa while enjoying the necessary coverage.
Des Moines, IA Auto Insurance Report Card: Key Factors Influencing Premiums
Local factors that affect auto insurance premiums in Iowa include weather conditions, such as snowy winters and storms that raise crash risk. These factors, as well as claim size and traffic congestion, also influence the average cost of car insurance in Iowa.
With rates starting at just $59/month, Geico stands out as the best option for Des Moines drivers seeking the perfect balance of value and top-tier auto insurance coverage.
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The city has a higher-than-average rate of uninsured drivers and an increasing vehicle theft rate, which can affect insurance premiums. Understanding your area’s average auto insurance cost will help you determine the most appropriate coverage to prepare for road risks.
Avoid expensive auto insurance premiums by entering your ZIP code for the cheapest rates.
Frequently Asked Questions
What is full coverage auto insurance, and do I need it in Des Moines?
Full coverage includes liability, collision, and comprehensive insurance. If you have a newer car or want maximum protection against accidents, theft, and weather-related damages, it’s recommended. Read our “Comprehensive and Collision Auto Insurance Coverage” to learn more.
Do auto insurance rates vary by age in Des Moines, IA?
Younger drivers generally face higher premiums, while more experienced drivers may receive lower rates. It is crucial to compare options tailored to your age group for the best deals.
How does my credit score affect my auto insurance rate in Des Moines?
A higher credit score can help you secure lower insurance rates, while lower scores may increase your premiums. Shopping around for quotes can help you find competitive options, even if your credit is less than perfect.
Can I get discounts on my auto insurance in Des Moines?
Many providers offer discounts for safe driving, bundling policies, or installing safety features in your vehicle. Check with companies like State Farm or Liberty Mutual for potential savings. Check out our “Commercial Auto Insurance” to learn more.
What is the best way to find cheap auto insurance in Des Moines, Iowa?
To find cheap auto insurance in Des Moines, Iowa, compare rates from multiple providers and look for discounts tailored to your driving profile. See how much you’ll pay for car insurance by entering your ZIP code into our free comparison tool.
How can I get SR22 insurance in Des Moines, Iowa?
To get SR22 insurance in Des Moines, Iowa, contact an insurer that offers this service and request that your coverage be filed with the state.
If I have a bad driving record, can I get cheap car insurance in Des Moines, Iowa?
While it may be harder to get cheap car insurance in Des Moines, Iowa, with a bad driving record, some providers may offer affordable rates if you improve your record. Discover our “Car Insurance When You Move” for further insights.
What is the best auto insurance in Des Moines, IA?
The best auto insurance in Des Moines, IA, balances affordable premiums with quality coverage. Compare providers like Geico, State Farm, and Progressive for options. Enter your ZIP code to start comparing total coverage auto insurance rates.
What factors affect Des Moines auto insurance rates?
Des Moines auto insurance rates are influenced by factors such as your driving record, vehicle type, coverage limits, and location within the city.
Is car insurance in Des Moines, Iowa, more expensive than in other cities?
Car insurance in Des Moines, Iowa, can be more expensive than in smaller towns due to factors like higher rates of vehicle theft and accidents. Discover everything in our “One-Day Auto Insurance” to learn more.