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How much is car insurance in Des Moines?
|Area||Average Monthly Car Insurance Premium|
As you can see, car insurance policies across the rest of Iowa are about $13 a month cheaper than the rates drivers pay in Des Moines.
Drivers relocating from out of state may enjoy some cost savings in Des Moines. The average monthly payment in Des Moines is about $12 less than the rate for the rest of the U.S.
While these are the average car insurance rates for Des Moines, you could end up paying something different. Insurance companies take an array of factors into consideration when determining how much to charge you to insure your vehicle. Age, gender, vehicle make and model, driving record, and in some cases, your credit score, are all factored into assessing the final dollar amount you'll be asked to pay each month.
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 policy will cost you. If you think you might be overpaying for insurance in your area, enter your ZIP below and find out!
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Average Car Insurance Rates by Age
|Age Range||Average Premium|
It makes sense that older drivers would have more experience behind the wheel, right? When it comes to car insurance premiums, that experience can really pay off. In this case, 18-24-year-olds pay twice as much as drivers 65 and older.
For every 10 years, you can expect to see a decrease in your monthly premium. Once you hit retirement, however, you may see your rates creep back up in Des Moines.
Average Car Insurance Rates by Gender
Female drivers pay, on average, slightly less than their male counterparts. This is true in Des Moines, where male drivers pay about $15 more a month. As you can see in the chart above, car insurance for women in the area typically costs around $61 each month, while men pay $76 on average.
Average Auto Insurance Rates by Driving Record
|Infractions||Average Monthly Premium|
Your rates can change quite drastically depending on your driving record. A clean driving record will get you a lower rate than one with even just a single accident or infraction. In Des Moines, a driving record with one accident will usually get you a rate around $76 a month. Likewise, if you have one ticket, you'll be looking at an average rate of around $88.
Average Insurance Rates by Vehicle
|Vehicle Age||Average Monthly Premium|
|Less Than 1 Year||$40|
|15 Years or Older||$69|
The cheapest vehicles to insure in Des Moines are typically trucks and vans, with each type typically costing about $66 per month.
The cost of auto insurance coverage for car and SUV owners in Des Moines usually comes out to about $69 per month.
Your rates can also vary depending on how old your vehicle is. Newer vehicles are generally going to be the most expensive to insure. Once your car is a few years old, however, you may see your bill start to shrink a bit. The most expensive vehicles to insure in Des Moines are vehicles eight-to-ten years old.
Average Car Insurance Rates by Relationship Status
|Relationship||Average Monthly Premium|
|Single (never married)||$73|
Generally, people who are married will pay slightly less for auto insurance coverage. This usually happens because companies will extend special discounts to policyholders with multiple vehicles that are on the same policy.
Married couples, on average, pay less than single drivers do to insure their vehicles. This holds true in Des Moines, with married couples paying about $16 less per month.
Average Car Insurance Rates by Housing Situation
|Housing Status||Average Monthly Premium|
|Live with parents||$74|
One other element taken into consideration is your living situation. In Des Moines, homeowners can expect to pay around $10 a month less than those who rent. But those who live at home with their parents can expect to pay significantly more.
Bundling your home or rental insurance and auto insurance policies can oftentimes reduce your average costs, depending on your insurance company.
Car Insurance Companies in Des Moines, IA
Recent trends in car insurance for Des Moines drivers
Since car insurance rates are constantly changing, it's a good idea to know the local trends in your area before choosing an insurance provider.
In Des Moines, car insurance rates had been increasing from 2017-2018, before leveling out in 2019. Policy premiums finished up in 2022, at $75 a month
How does Des Moines compare to neighboring areas?
Why are car insurance rates in Des Moines different from other areas?
There are a lot of factors car insurance companies will consider when figuring out how much to charge for a monthly rate. Many factors affecting your policy are based around where you call home. These factors include things like:
- Frequency of car accidents
- Crime rates
- Off-street parking accessibility
- Number of drivers in the community
Having an awareness of these factors is critical when thinking about buying a new policy or potentially moving to a new home. With the knowledge that different towns and cities will all have different rates, guides like these can be a good way to get a lay of the land of your particular neighborhood.
How can I find the cheapest car insurance in Des Moines?
While getting familiar with what the average costs are for drivers like you can be helpful as you get an idea of what you might pay, the only way to know exactly what your rate will be is by requesting a quote from car insurance companies.
Fortunately, Compare.com does all of that work for you. Just put in your ZIP Code below, answer a few questions, and you'll be comparing the cheapest quotes from several of the car insurance companies offering coverage in Des Moines.
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Des Moines Insurance FAQs
What factors affect car insurance quotes in Des Moines?
Car insurance companies calculate quotes based on a wide array of factors. These include things like your age and gender, but also factors like your vehicle's year, make and model, 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 local laws, parking situations, 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?
No one insurance company is guaranteed to offer the cheapest rate across the board. Since companies base their rates on factors that differ from person to person, such as driving record, number of drivers on the policy, vehicle make and model, and many more, 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 move to a new area, or experience any other major life event such as getting married or finding a new job, it's always a good idea to re-evaluate your current insurance policy. Certain companies may offer larger discounts in certain cities, so it's a smart idea to use services like Compare.com to compare quotes from dozens of companies side-by-side.
Do I need to wait for my policy to expire to switch to a different car insurance company?
No. In fact, you can swap companies at any point, regardless of how much time is left on your current coverage. So, whether you're moving to Des Moines or just curious about rates in your area, why not take 10 minutes to see if Compare.com can save you money?
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