Cheapest Car Insurance In Des Moines, IA 2024
GEICO stands out in Des Moines, for offering minimum coverage car insurance at just $37 a month, the lowest rate available.
We’ve saved shoppers an average of $600 per year on their car insurance.
The search for affordable car insurance in Des Moines, IA, often uncovers a broad spectrum of rates.
GEICO is the best choice for affordable liability-only coverage, Progressive excels in full coverage pricing, and State Farm is the go-to for young drivers looking to save.
Cheapest Car Insurance Companies In Des Moines, IA 2024
Cheapest Liability-only Car Insurance In Des Moines: Cincinnati
With an average rate of $37 a month, GEICO stands out as the most affordable car insurance provider for minimum coverage in Des Moines.
Below is a table to help you compare rates from various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Travelers | $41 | $490 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Cheapest Full Coverage Insurance Rates In Des Moines: Auto-Owners
With an average cost of $92 per month, Progressive offers the lowest full coverage car insurance rates in Des Moines.
The following table compares average car insurance rates from some of Des Moines’ most affordable insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $73 | $871 |
| Cincinnati | $80 | $962 |
| Nationwide | $74 | $884 |
| Shelter | $92 | $1,107 |
| Allstate | $124 | $1,490 |
Cheapest Car Insurance Rates For Seniors: Auto-Owners
For seniors in Des Moines, State Farm offers the lowest car insurance premiums, with an average of $87 per month.
See the table below for average quotes from affordable car insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $68 | $814 |
| State Farm | $86 | $1,036 |
| Allstate | $133 | $1,590 |
| Shelter | $95 | $1,135 |
| GEICO | $112 | $1,344 |
Cheapest Rates In Des Moines For Teenagers: Nationwide
With an average of $313 per month, State Farm provides the most budget-friendly car insurance for teens in Des Moines.
See the table below for a list of the companies with the best rates for teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $155 | $1,865 |
| State Farm | $176 | $2,109 |
| Allstate | $167 | $2,007 |
| Travelers | $198 | $2,370 |
| Auto-Owners | $243 | $2,913 |
Cheapest Auto Insurance For Young Adults in Des Moines: Travelers
State Farm leads in offering affordable car insurance for young adults in Des Moines, with an average rate of $238 monthly.
See the table below to compare the cheapest auto insurance quotes for young adults in Des Moines.
| Provider | Average Monthly Cost | Average Annual Cost |
| Travelers | $91 | $1,092 |
| State Farm | $119 | $1,422 |
| Nationwide | $99 | $1,192 |
| Auto-Owners | $100 | $1,197 |
| Allstate | $130 | $1,560 |
Cheapest Car Insurance In Des Moines For Good Drivers: Cincinnati
GEICO leads in providing affordable car insurance for good drivers in Des Moines, at an average monthly rate of $37.
The table below provides a comparison of average quotes from the most affordable insurers for good drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Cincinnati Insurance | $30 | $360 |
| Shelter | $48 | $576 |
| Auto-Owners | $37 | $443 |
| State Farm | $50 | $596 |
| Nationwide | $43 | $520 |
Find affordable Des Moines rates
Cheapest Car Insurance In Des Moines After A Speeding Ticket: Auto-Owners
Compared to other providers in Des Moines, State Farm offers the cheapest rates, averaging $176 a month for drivers with a speeding violation.
The table below compares the average rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $80 | $964 |
| State Farm | $107 | $1,280 |
| Cincinnati Insurance | $95 | $1,140 |
| Allstate | $148 | $1,772 |
| Progressive | $136 | $1,632 |
Cheapest For Drivers With After At-Fault Accident: Auto-Owners
State Farm delivers the best value for drivers with an at-fault accident, with monthly premiums averaging $193.
Check out the car insurance providers below, offering the cheapest rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $99 | $1,197 |
| Cincinnati Insurance | $167 | $2,004 |
| State Farm | $116 | $1,391 |
| GEICO | $217 | $2,600 |
| Progressive | $124 | $1,490 |
Cheapest Rates In Des Moines For Drivers After A DUI: State Farm
After a DUI, State Farm provides the lowest rates for Des Moines drivers, with average premiums of $188 per month.
The table below highlights the most cost-effective car insurance rates for Des Moines drivers with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $107 | $1,282 |
| Nationwide | $138 | $1,657 |
| Allstate | $166 | $1,992 |
| Auto-Owners | $171 | $2,051 |
| Cincinnati | $213 | $2,555 |
Best Car Insurance Companies In Des Moines
The most affordable car insurance in Des Moines comes from AAA at $83 per month, while Progressive and GEICO offer rates of $90 and $93 respectively.
The table below shows the top 10 car insurance providers in Des Moines, IA, sorted by their average monthly premiums.
| Company | Monthly Premium |
| Cincinnati Insurance | $30 |
| Kentucky Farm Bureau | $39 |
| Travelers | $41 |
| Auto-Owners | $37 |
| State Farm | $50 |
| Nationwide | $43 |
| Allstate | $76 |
| GEICO | $53 |
| Shelter | $50 |
| Westfield | $62 |
| Grange Insurance | $89 |
Average Auto Insurance Rates In Des Moines – By Age
Insurance rates are often higher for younger drivers, who are seen as more risky due to their lack of experience. Teenagers, for example, can expect to pay roughly $7,599 per year for car insurance.
By the time drivers turn 25, their car insurance rates typically start to fall, provided they haven’t had any accidents or violations.
Drivers in their 50s and early 60s typically enjoy the most competitive insurance premiums, as their age indicates more driving experience and less risk.
| Age | Average Yearly Rate |
| Teenagers | $4,080 |
| 20s | $2,100 |
| 30s | $1,704 |
| 40s | $1,500 |
| 50s | $1,370 |
| 60s | $1,440 |
| 70s | $1,632 |
Average Rates In Des Moines – By Vehicle
The type of car you drive plays a crucial role in your insurance rates. New luxury cars with expensive parts and advanced technology generally lead to higher premiums.
The following table displays average insurance rates for different vehicle types in Des Moines.
| Vehicle | Average Monthly Rate |
| Hyundai Sonata | $970 |
| Audi A3 | $129 |
| Toyota Prius | $192 |
| Chevrolet Equinox | $360 |
| Kia Optima | $460 |
Average Cost Of Auto Insurance In Des Moines – By Zip Code
Car insurance rates differ based on your zip code, as insurers use it to assess crime rates in your area.
The following table displays the average insurance premiums for various zip codes in Des Moines.
| Zip Code | Average Monthly Rate |
| 40509 | $153 |
| 40511 | $130 |
| 40516 | $105 |
| 40504 | $124 |
| 40515 | $165 |
How Much Is Car Insurance In Other Cities in Iowa?
Insurance rates are often higher in urban areas due to increased risks such as accidents, theft, and vandalism. Your city of residence is a key factor in determining your car insurance premiums.
As an example, drivers in Los Angeles pay about $243 monthly for car insurance, while in San Diego, the average rate is $176 per month.
| 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 |
Find affordable Des Moines rates
Our Methodology
By analyzing customer service, available products, pricing, and online reviews, I’ve put together a thorough overview of car insurance options in Des Moines, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Des Moines?
GEICO provides the most affordable minimum coverage rates in Des Moines, and Progressive offers the best pricing for full coverage, which includes both comprehensive and collision coverage.
What is the average cost of car insurance in Des Moines?
The average monthly cost of car insurance in Des Moines is around $180, but your rates may differ depending on your zip code, car model, and driving history.
