+120 more*These quotes are from Compare.com users in and around Des Moines, Iowa within the last 10 days. Updated on July 30, 2026
*These quotes are from Compare.com users in and around Des Moines, Iowa within the last 10 days. Updated on July 30, 2026
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Des Moines drivers pay around $86 per month for car insurance. The city’s high vehicle theft rates may be why its rates exceed the state average.[1]
That said, you can still find affordable premiums in Des Moines from multiple companies. Some of the cheapest companies in the city include State Farm, Auto-Owners, and USAA, with rates starting at just $25 per month.
Below, we highlight the cheapest car insurance companies in Des Moines for various driver and coverage types and give tips on ways to find the best deal on coverage.
State Farm offers the lowest average rates in Des Moines, at $25 per month.
On average, Des Moines drivers pay around $63 per month for liability-only coverage and $110 for full coverage.
State Farm, American Family, and Auto-Owners are some of the best insurers for Des Moines drivers.
Comparison shopping is one of the best ways to get the cheapest auto insurance rates in Des Moines. Before you settle on a policy, it’s a good idea to gather quotes from at least three different insurance companies to compare factors like coverage options, discounts, affordability, and customer service.
Check out the table below to see the five cheapest car insurance companies in Des Moines, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $25 |
| Auto-Owners | $41 |
| USAA | $44 |
| GEICO | $48 |
| American Family | $51 |
| Allstate | $53 |
| Safeco | $57 |
| National General | $58 |
| Farmers | $61 |
| Bristol West | $63 |
| The General | $63 |
| Progressive | $65 |
| Liberty Mutual | $68 |
| Direct Auto | $70 |
| Dairyland | $74 |
| Root | $76 |
| Travelers | $83 |
Car insurance rates in Des Moines can differ quite a bit depending on your age, driving record, and coverage needs. Knowing the average for drivers with a similar profile to yours can help you determine whether you’re getting a good deal.
The table below breaks down the cheapest insurers by driver and coverage type in Des Moines, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | State Farm | $25 |
| Full coverage | State Farm | $54 |
| Teens | State Farm | $49 |
| Seniors | State Farm | $20 |
| Recent speeding ticket | State Farm | $33 |
| Recent at-fault accident | State Farm | $35 |
| DUI conviction | State Farm | $37 |
| Excellent credit | State Farm | $21 |
| Poor credit | State Farm | $34 |
Comparing quotes can save you up to $867.*
State-minimum car insurance is the bare-minimum coverage required by Iowa law. It helps pay for injuries or property damage you cause to others, but it doesn’t cover your own vehicle repairs or medical bills.
In Des Moines, the average cost for state-minimum liability is about $63 per month, according to our data. Buying just the state minimum may be the best option if you drive an older car or can afford to pay for your own repairs and medical expenses.
Below, you’ll find the cheapest state-minimum insurers in Des Moines, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $25 |
| Auto-Owners | $41 |
| USAA | $44 |
| GEICO | $48 |
| American Family | $51 |
| Allstate | $53 |
| Safeco | $57 |
| National General | $58 |
| Farmers | $61 |
| Bristol West | $63 |
| The General | $63 |
| Progressive | $65 |
| Liberty Mutual | $68 |
| Direct Auto | $70 |
| Dairyland | $74 |
| Root | $76 |
| Travelers | $83 |
Full-coverage car insurance includes liability, collision, and comprehensive coverage for your vehicle. You can also customize it with optional add-ons, like roadside assistance and rental reimbursement.
Our research shows that drivers pay an average of $110 per month for full coverage in Des Moines. Full coverage is ideal if you drive a newer car, have an auto loan or lease, or just want extra peace of mind.
Here are the cheapest insurers in Des Moines for full coverage, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $54 |
| Auto-Owners | $88 |
| USAA | $94 |
| GEICO | $102 |
| Safeco | $106 |
| American Family | $110 |
| National General | $111 |
| Allstate | $115 |
| Root | $118 |
| Direct Auto | $124 |
| Farmers | $132 |
| Liberty Mutual | $132 |
| Foremost | $157 |
| Bristol West | $165 |
| Travelers | $178 |
| Dairyland | $182 |
| The General | $209 |
Teens are the most expensive age group to insure. This is due to a lack of experience and risky behaviors like speeding and phone use while driving that lead to a higher accident rate.[2]
The average cost of car insurance for teen drivers in Des Moines is $164 per month, according to our research. That said, you aren’t necessarily stuck with sky-high premiums with a young driver on your policy.
Let’s take a look at the chart below, which shows the cheapest companies for teens in Des Moines, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $49 |
| USAA | $83 |
| Auto-Owners | $84 |
| GEICO | $89 |
| American Family | $98 |
| Allstate | $106 |
| Bristol West | $114 |
| The General | $116 |
| National General | $118 |
| Root | $118 |
| Safeco | $118 |
| Liberty Mutual | $122 |
| Progressive | $124 |
| Farmers | $124 |
| Dairyland | $132 |
| Direct Auto | $139 |
| Travelers | $175 |
Senior drivers typically pay the least for car insurance coverage thanks to their extensive driving experience and caution while behind the wheel.
Older drivers pay around $75 per month for auto insurance in Des Moines, according to our analysis. But with the right insurer, you could get an even better deal.
The chart below highlights the cheapest insurers in Des Moines for senior drivers, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $20 |
| Auto-Owners | $33 |
| USAA | $36 |
| GEICO | $38 |
| American Family | $41 |
| Allstate | $43 |
| National General | $46 |
| Farmers | $49 |
| Safeco | $50 |
| Bristol West | $53 |
| The General | $54 |
| Progressive | $57 |
| Liberty Mutual | $57 |
| Direct Auto | $58 |
| Dairyland | $63 |
| Travelers | $67 |
| Root | $70 |
Getting a ticket can raise your car insurance rates because insurers see you as a higher risk of filing a claim.
Our data shows that drivers with a recent ticket pay an average of $116 per month for auto insurance. But you can often avoid a rate hike by switching to a company that caters to drivers with a ticket.
The chart below shows the five insurance companies with the lowest rates for Des Moines drivers with tickets, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $33 |
| Auto-Owners | $55 |
| USAA | $59 |
| GEICO | $65 |
| American Family | $68 |
| Allstate | $71 |
| National General | $75 |
| Safeco | $78 |
| Farmers | $81 |
| Bristol West | $83 |
| The General | $88 |
| Progressive | $88 |
| Liberty Mutual | $90 |
| Direct Auto | $91 |
| Root | $94 |
| Dairyland | $95 |
| Travelers | $112 |
Causing an accident means your insurance company has to pay for the injuries or damage you cause. In response, insurers typically increase your rates to help cover the loss.
People with a recent at-fault accident typically pay around $125 per month for car insurance, according to our research. But you can usually get a better price and avoid a rate hike with your current insurer if you shop around.
If you have a recent accident on your record in Des Moines, consider getting quotes from the companies in the chart below. These are the cheapest options, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $35 |
| Auto-Owners | $57 |
| USAA | $62 |
| GEICO | $67 |
| American Family | $72 |
| Allstate | $75 |
| National General | $81 |
| Safeco | $83 |
| Farmers | $86 |
| Bristol West | $87 |
| The General | $91 |
| Progressive | $94 |
| Liberty Mutual | $95 |
| Direct Auto | $100 |
| Root | $101 |
| Dairyland | $102 |
| Travelers | $118 |
Driving under the influence (DUI) can significantly increase your auto insurance rates, as insurers classify people with DUIs as high-risk drivers.
The average car insurance cost for drivers with a DUI in Des Moines is $133 per month. But you might be able to avoid a rate increase by switching to an insurer that specializes in high-risk drivers.
Check out the chart below to get quotes from the cheapest insurance companies in Des Moines for drivers with a DUI, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $37 |
| Auto-Owners | $58 |
| USAA | $66 |
| GEICO | $71 |
| American Family | $73 |
| Allstate | $79 |
| National General | $87 |
| Farmers | $91 |
| The General | $91 |
| Safeco | $93 |
| Bristol West | $94 |
| Progressive | $100 |
| Liberty Mutual | $102 |
| Direct Auto | $105 |
| Dairyland | $111 |
| Root | $114 |
| Travelers | $124 |
Credit history is another factor that can affect your car insurance rates. Research suggests that drivers with lower credit file more claims, making them riskier to insure than those with excellent credit.[3]
Drivers with poor credit pay around $96 per month in Des Moines, according to our research. Still, not all insurers consider credit, and some offer more affordable premiums regardless of your credit history.
The table below shows Des Moines’ cheapest insurers for people with poor credit, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| State Farm | $34 |
| USAA | $51 |
| GEICO | $56 |
| American Family | $58 |
| Auto-Owners | $59 |
| Allstate | $62 |
| Safeco | $67 |
| National General | $68 |
| Farmers | $71 |
| Progressive | $73 |
| Bristol West | $74 |
| The General | $74 |
| Liberty Mutual | $77 |
| Direct Auto | $82 |
| Dairyland | $87 |
| Root | $89 |
| Travelers | $97 |
You won’t find one single best insurance company for all drivers. Your ideal insurer depends on your budget, driving history, and coverage needs. We selected the following companies based on a mix of average Iowa rates, available discounts, coverage customization options, and customer ratings and reviews.
| User Reviews | 4.1 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $25/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $54/mo |
State Farm's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.2 | 3.6 |
| Discounts | 3.7 | 2.9 |
| Policy transparency | 3.9 | 3.1 |
| Value | 3.9 | 2.9 |
Customers appreciate the helpful agents and prompt claim handling, but many are unhappy with the constant rate increases, even for safe drivers. Some also reported poor customer service.
If you value local agent support and personalized service, consider State Farm. In Des Moines, 10 local agents are available to help drivers get the coverage they need to be safe on the road. It also offers multiple ways for teens and young drivers to save, including its Steer Clear driver training course and Drive Safe & Save telematics program.
State Farm also provides generous savings of up to 20% if you own multiple vehicles with multi-car discounts and up to $1,356 when you bundle home and auto insurance.
Many local agents
Above-average customer service rating[4]
Rideshare coverage available
Rates can be higher for some drivers
Gap insurance not available
Few discounts available
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $51/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $110/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.0 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 4.0 | 3.1 |
| Value | 3.0 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
If you need basic full-coverage car insurance, American Family may be a good fit. Though it doesn’t offer gap insurance, it does offer diminishing deductibles. You can bank $100 toward your deductibles each year you go without an accident, allowing you to choose a higher deductible to get immediate savings if you’re on a tight budget.
You can also customize your policy with optional coverages like roadside assistance, rental reimbursement, and uninsured motorist coverage. American Family also makes policy management and claims processing easy with its highly rated mobile app.
| User Reviews | 4.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.1 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $41/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $88/mo |
Auto-Owners Insurance's score | Industry average | |
|---|---|---|
| Coverage options | 3.7 | 3.2 |
| Customer service | 3.7 | 3.6 |
| Discounts | 3.4 | 2.9 |
| Policy transparency | 3.8 | 3.1 |
| Value | 3.5 | 2.9 |
If you’re looking for a customizable full-coverage policy, Auto-Owners may be a good choice. It offers optional coverages like diminished value, rental reimbursement, loan/lease gap, and rental auto gap. Auto-Owners offers other benefits, including accident forgiveness, common loss deductible, collision deductible waiver, and rental car coverage.
The company’s quotes are only available through independent agents, but there are many to choose from in the Des Moines area.
Many local agents
Highly customizable policy options
Many discounts available
Quotes not available online
Poor digital shopping experience rating[7]
Customer experience can vary by agency
Local rates start as low as $25 per month.
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In Iowa, you must have liability coverage to legally drive. The state’s minimum liability limits requirements are:[8]
$20,000 per person for bodily injury liability
$40,000 per accident for bodily injury coverage
$15,000 per accident for property damage liability
Insurance companies must also offer uninsured and underinsured motorist (UM/UIM) coverage in Iowa, though you can decline it in writing. This coverage can provide valuable protection. It helps pay for your injuries or vehicle damage if you’re the victim of a hit-and-run or struck by a driver who has no insurance or too little coverage.
Minimum coverage may not be enough for many drivers. Iowa’s minimum limits meet the legal requirements, but they don’t go far if you’re in a serious crash or total someone else’s vehicle.
The Iowa Insurance Division and many insurance experts find that most drivers need higher liability limits to protect their finances — especially in states where people can sue you if you’re at fault.[9]
We answered common questions people ask about car insurance in Des Moines, Iowa.
Car insurance in Des Moines averages $86 per month. It costs around $63 per month for liability-only insurance and $110 for full coverage, according to Compare.com data.
State Farm is the cheapest auto insurance company in Des Moines, averaging $25 per month, according to Compare.com data.
Not really. While rates in Des Moines are higher than the statewide average, the city’s rates still fall below the national average. Des Moines drivers pay around $86 per month for car insurance, while the national average is $141, according to our data. Remember, your actual rates will depend on factors like your age, driving record, and ZIP code.
The cheapest car insurance company in Iowa is State Farm. Its average rate is $22 per month, according to Compare.com data.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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At Compare.com, it’s our mission to give you the tools to find the best (and most affordable) insurance for your unique needs and budget. We strive to provide information that’s helpful, clear, and unbiased, and we believe that comparing insurance companies should never put you at risk of spam. Our editorial team — which is made up of experienced writers, editors, insurance agents, and data analysts — has spent thousands of hours researching and creating the coverage overviews, side-by-side comparisons, and detailed reviews you see across our site.
While we make money through partnerships with some of the brands we discuss in our articles, our editorial team operates 100% independently, and these partners never influence or affect the topics, reviews, ratings, or recommendations we provide. We never guarantee favorable reviews or mentions in exchange for compensation from any brands or partners, and we uphold strict editorial standards to ensure our content is always independent, truthful, and unbiased.
