Monthly Average Rates by Country, State, and City
car policy rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in Iowa has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Des Moines typically pay around $ 82.04 per month compared to the national average of $ 134.62 per calendar month. The best way to get a first gear rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident .
| Area | Average Monthly Rate |
|---|---|
| National | $134.62 |
| Iowa | $76.82 |
| Des Moines, Iowa | $82.04 |
Des Moines, IA Best Car Insurance Companies
Certain insurers will offer you better rates than others based on a countless of factors, so you may get a better bargain from one insurance company over another for diverse reasons, and that ’ s why it ’ s crucial to compare. According to our data, State Farm broadly has the most low-cost car indemnity in Des Moines coming in around $ 66.75 per calendar month. early companies to consider if you live in Des Moines is USAA with an average cost of $ 79.79 per calendar month and Farm Bureau Mutual ( IA Group ) which typically runs around $ 81.48 per calendar month. Check out the full list below. SmartFinancial rates the following insurers as the best indemnity companies for drivers in Des Moines .
| Rank | Company | Average Monthly Rate | Comparison State Average |
|---|---|---|---|
| 1 | State Farm | $66.75 | -13.11% |
| 2 | USAA | $79.79 | 3.87% |
| 3 | Farm Bureau Mutual (IA Group) | $81.48 | 6.06% |
| 4 | Auto-Owners Insurance Co | $89.63 | 16.67% |
| 5 | IMT Insurance Company | $89.75 | 16.83% |
| 6 | Pekin Insurance | $91.73 | 19.41% |
| 7 | Hastings Mutual Insurance Co | $98.00 | 27.58% |
| 8 | western National | $101.00 | 31.48% |
| 9 | American Family | $105.91 | 37.87% |
| 10 | Nationwide | $115.71 | 50.63% |
How Much is Car Insurance in Des Moines, IA?
Rates can vary from city to city. The residents of Ames typically pay $ 80.54 per month while people who live in Boone will pay $ 68.69 per calendar month on median. See what people pay for car policy in other cities in Iowa .
| Iowa Cities | Monthly Average Rate |
|---|---|
| Ames | $80.54 |
| boone | $68.69 |
| Cedar Rapids | $80.56 |
| clarion | $62.11 |
| clinton | $71.00 |
| Council Bluffs | $88.74 |
| Davenport | $85.41 |
| Des Moines | $82.74 |
| Dubuque | $81.55 |
| Iowa City | $79.04 |
| loss Oak | $67.68 |
| Shenandoah | $73.33 |
| Sioux City | $81.63 |
| Urbandale | $76.52 |
| Waterloo | $80.20 |
Cheap Car Insurance in Des Moines by Zip Codes
Every travel rapidly code rates differently with every insurance company. Your travel rapidly code determines the crime rate in your area arsenic well as other risks. Below, you can see how average rates range across the state of matter of Iowa. If you live in an sphere that is rated high in crime, you can make sure to garage your car in a safe put. That ought to save you some money. Covered and gated structures are best. Make sure to tell your policy agentive role about the precautions you ’ re lead .
| Des Moines, IA ZIP Code | Average Monthly Rate |
|---|---|
| 50307 | $41.82 |
| 50309 | $95.93 |
| 50310 | $81.51 |
| 50311 | $82.18 |
| 50312 | $76.33 |
| 50313 | $85.36 |
| 50314 | $90.75 |
| 50315 | $81.30 |
| 50316 | $83.14 |
| 50317 | $73.28 |
| 50320 | $87.92 |
| 50321 | $99.35 |
| 50327 | $89.17 |
| 50332 | $95.40 |
| 50339 | $45.33 |
Driver’s Coverage Auto Insurance Rates in Des Moines, IA
typically, drivers who presently have car policy coverage will receive a cheaper monthly quote than drivers who do not. Since cable car indemnity is a necessity in all 50 states, companies may question why you do n’t presently have coverage. Because of this, they may see you as a higher risk driver. In Des Moines, the average monthly rate for a driver who is presently insured is $ 80.37 while drivers who are not presently covered will pay around $ 85.25 .
| Coverage | Average Monthly Rate |
|---|---|
| Not Currently Insured | $85.25 |
| Currently Insured | $80.37 |
Compare Recent Car Insurance Quotes in Des Moines
Your vehicle plays a bad part in how you pace for car indemnity. The more your cable car is worth, the higher your car indemnity rate. To lower your monthly premiums, you can set a higher deductible, but you ’ ll need to pay that deductible if you have an accident. by and large speaking, the newer a cable car is, the more it ’ s deserving, and you may pay more in premiums, but the latest condom features will earn you a discount rate. The overall safety ratings of a car are besides considered when determining your rate. In Des Moines a driver of a 2005 Chevrolet Trailblazer can expect to pay around $ 140.60 per calendar month while person that owns a 2010 Ford F150 may pay around $ 59.83 per month. Check out the list of holocene quotes in Des Moines below .
| Vehicle | Average Monthly Rate |
|---|---|
| 2005 Chevrolet Trailblazer | $140.60 |
| 2010 Ford F150 | $59.83 |
| 2004 Honda Accord | $51.14 |
| 2007 Chevrolet Tahoe | $64.54 |
| 2016 Toyota Rav4 | $122.00 |
| 2015 Hyundai Sonata | $105.78 |
| 2010 Chevrolet Malibu | $66.73 |
| 2008 Pontiac G8 | $75.70 |
| 2004 Jeep Grand Cherokee | $41.20 |
| 2013 Chevrolet Cruze | $66.23 |
FAQ’s for Drivers in Des Moines, IA
What Is the Minimum Liability Coverage Requirement in Des Moines, IA? The huge majority of Iowa motorists plainly opt to carry the minimum needed coverage. This includes $ 20,000 bodily injury coverage per person, $ 40,000 bodily injury to more than one person per accident, and $ 15,000 property damage coverage per accident. If you choose not to carry car indemnity, you can demonstrate fiscal province by filing a security attachment, cash, or securities adequate to $ 55,000 with the state of matter treasury. You may besides drive a vehicle covered under a security of self-insurance from the Office of Driver Services.
Read more: Cheap Auto Insurance – Douglasville, Georgia
In Iowa, you ’ re besides automatically provided with uninsured motorist coverage in the minimum amounts of $ 20,000 bodily injury per person and $ 40,000 per accident. You have the right to waive this coverage by submitting a written letter of refusal to your carrier, though. This is a fairly common approach to this type of coverage in the US .
- $20,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
- $40,000; Bodily injury coverage per accident; Maximum payment for serious or permanent injury or death to multiple people
- $15,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you
What Is the Blood Alcohol Concentration (BAC) limit in Des Moines, IA? It ’ south illegal to drive in Iowa at the following BAC percentages : .08 % + at 21 years old or older .04 % + for commercial vehicle drivers .02 % + at under 21 years honest-to-god Iowa jurisprudence enforcement aggressively monitors for OWI, or operating while intoxicated or drugged. The laws don ’ thymine only apply to alcohol-related damage ; it ’ south besides illegal to operate a vehicle when you ’ re impaired by any control substance, legal or illegal. There are more than 9,000 OWI arrests per annum in Iowa. Does Iowa allow the use of digital insurance cards? Yes, it does. Iowa motorists are nobelium long forced to rummage through their overstuffed glove compartments, searching for their print proof of coverage under the impatient gaze of a police military officer. Simply request an official digital validation of coverage from your carrier ( about all of them provided these now ), and you can show it on your electronic mobile device. note that if you ’ ve opted not to buy cable car insurance and rather have otherwise demonstrated fiscal responsibility, you must have official documentation of having filed a adhere with the state ( or of whichever early method applies ) .
commute Time in Des Moines, IA 18.8 Miles commute Time in United States 26.4 Miles 
Number of Nearest Insurance Agents in Des Moines, IA 166 Methodology
The statistics listed on this page are from our own in house coverage. We track and record quotes that carriers have provided based on diverse criteria. The rates and averages shown on this page should only be used as an estimate. About the Author
Fran Majidi
Insurance Expert
Fran Majidi manages content on SmartFinancial ‘s web site. She ‘s had closely a decade ‘s worth of feel writing about insurance-related topics. Prior, she was an arts and entertainment editor in New York City. She has a B.A. from Barnard College and an M.F.A. in writing from The New School. She writes books under her given name, Afarin Majidi .