Des Moines, IA Car Insurance

Residents of Des Moines pay around $69 monthly for their car insurance coverage. To learn more about what you're likely to pay in the Des Moines area, read our guide below.
How does Des Moines compare to the surrounding area and the rest of Iowa? How much can residents of Des Moines expect to pay for their car insurance? See what factors contribute to determining the average cost in our detailed charts and breakdowns below:  

How much is car insurance in Des Moines?

Area Average Monthly Car Insurance Premium
Des Moines$69
IA$55
United States$80

Auto insurance policies in Des Moines are about $14 a month more expensive than the rest of Iowa.

On the other hand, car insurance rates in Des Moines are often favorable when viewed against the rest of the country. You can expect to pay about $11 less for your policy in Des Moines than in the rest of United States.

While these are the average monthly costs for auto insurance coverage in Des Moines, you could end up paying something different. There are a number of factors that determine how much insurance companies might charge you to insure your vehicle. Things like age, gender, vehicle make and model, driving record and, in some areas, credit score can all play a part in your policy's monthly price.

We've done the heavy lifting for you and broken down the average rate for Des Moines so that you can get a more accurate idea of what your monthly bill might be. And if you're not sure if you're getting the cheapest rate, simply enter your ZIP Code below to learn more about rates in your area!

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Average Car Insurance Rates by Age

Age Range Average Premium
Under 18$166
18-24$107
25-34$51
35-44$51
45-54Not Enough Data
55-64$49
65+$41

More time behind the wheel makes you a more experienced driver. It also makes sense that the more experienced of a driver you are, the safer you are. As you can see, 18-24-year-olds pay two times the price that someone who is retirement aged.

As you get older, you can expect to see a drop in your monthly premium every 10 years. Drivers in Des Moines may see their rates creep back up once they hit retirement age.

Average Car Insurance Rates by Gender

Gender Average
Male$75
Female$62

In general, women pay slightly less for car insurance than men. This is true in Des Moines, where male drivers pay about $13 more per month. Looking at the table above, you can see that female drivers pay around $62 on average, while male drivers typically pay $75 each month.

Average Auto Insurance Rates by Driving Record

Infractions Average Monthly Premium
1 Accident$73
Multiple Accidents$101
1 Ticket$88
Multiple Tickets$72

Your rates can change quite drastically depending on your driving record. Drivers who avoid accidents and tickets will pay lower rates than those with infractions. In Des Moines, a driving record with one accident will usually get you a rate around $73 a month. Similarly, drivers with one ticket will typically pay around $88 on average.

Wherever you live, accidents, tickets, and other driving infractions will almost certainly drive up your monthly bill. So, if you want the cheapest rates, drive carefully and try to maintain a clean driving record.

Average Insurance Rates by Vehicle

Vehicle Age Average Monthly Premium
Less Than 1 Year$38
2-3 Years$62
4-5 Years$66
6-7 Years$65
8-10 Years$76
11-14 Years$68
15 Years or Older$69

If you look at the first table above, the cheapest vehicles to insure in Des Moines are by and large SUVs and cars, at $68 per month.

Truck and van drivers will see rates of about $69 to insure their vehicle, while SUV owners usually pay around $68 a month.

Vehicle age has an impact on the cost of your policy as well. Generally, newer vehicles are going to cost the most to insure. However, once your car is a few years old, you may start to see your monthly premium drop back down. In Des Moines, the most expensive vehicles to insure are vehicles eight-to-ten years old.

Average Car Insurance Rates by Relationship Status

Relationship Average Monthly Premium
Single (never married)$73
Married$56
Divorced$48
Widowed$50

Generally speaking, married policyholders will pay slightly less for insurance coverage. This occurs because insurance companies commonly extend special discounts to policyholders with multiple vehicles that are on the same policy.

On a national scale, single drivers typically pay more than married couples do for auto insurance. Des Moines is no exception, with the difference totaling to around $17 a month.

Average Car Insurance Rates by Housing Situation

Housing Status Average Monthly Premium
Own$52
Rent$62
Live with parents$72

Another factor taken into consideration is your living situation. If you rent your home or apartment in Des Moines, expect to pay around $10 a month more than if you own your home. Those who live with their parents, however, can expect to pay a lot more.

That being said, many companies will offer you a discount if you bundle your homeowners or rental insurance policy with your auto insurance.

Car Insurance Companies in Des Moines, IA

Recent trends in car insurance for Des Moines drivers

Average rates are constantly changing, so it's a good idea to know the direction your area is trending when choosing when and where to shop.

Car insurance rates in Des Moines went up from 2016-2018, before steadying out in 2019. They finished down in 2021, at $54 per month

How does Des Moines compare to neighboring areas?

Why are car insurance rates in Des Moines different from other areas?

There are a number of factors car insurance companies take into consideration when choosing how much to charge for a monthly rate. While we already mentioned the ones that affect your personal policy, others are influenced by where you live and drive. These include things like:

  • Local laws
  • Crime levels
  • Total number of drivers
  • Road Safety (how many accidents each locality has)
  • Off-street parking access

Knowing the make-up of these factors can be helpful when deciding on purchasing a new policy or thinking about making a move. Different towns and cities will all have different average rates, so guides like these are a great place to get started.

How can I find the cheapest car insurance in Des Moines?

In the end, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies. Understanding what the average costs are for drivers prior to seeking out a quote can help you understand how closely the quote reflects local trends.

Good news! Compare.com will handle the heavy lifting for you. Simply enter your ZIP below, respond to a few questions, and you'll be comparing the cheapest quotes from many of the car insurance companies providing plans in Des Moines.

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Des Moines Insurance FAQs

What factors affect car insurance quotes in Des Moines?

Auto insurance companies take a wide array of factors into consideration when calculating your monthly payment. These include things like your vehicle's year, make and model, your gender and age, as well as your driving record, credit score, marital status, and address.

Why is the cost of car insurance in Des Moines different from other neighboring cities?

Things like parking situations, local laws, and crime rates, which are dependent on your address and area you live in, can significantly affect the cost of insurance relative to other cities.

Which car insurance company will offer me the cheapest rate in Des Moines?

Since the factors that car insurance companies take into consideration when calculating the rate you might pay differ from person to person, there is no one insurance company that will offer the cheapest rate to everybody. Things like your driving record, the number of drivers on the policy, and vehicle make and model, plus a number of others, are all taken into account. Because of this, it's a good idea to use sites like Compare.com to compare multiple quotes at once.

Do I need to change my insurance if I move to Des Moines?

Whenever you relocate or experience another major life event, such as getting married or finding a new job, you should consider re-evaluating your current insurance policy. By using services like Compare.com to compare quotes from multiple companies at once, you can be sure to capture any new savings brought about by your new situation.

Do I need to wait for my policy to expire to switch to a different car insurance company?

No. Regardless of how much time is left on your current policy, you can switch companies at any time. So, whether you're considering moving to Des Moines or just curious if you're getting the best rates, why not take 10 minutes and see if Compare.com can save you some extra cash?

Find your best rate in just a few minutes