2022
The Cheapest and Best Car Insurance in Des Moines
The Cheapest Car Insurance Companies in Des Moines
The most low-cost cable car policy companies for wax coverage policies in Des Moines are :
- GEICO: $473 per year
- State Farm: $616 per year
For drivers with a military background, USAA offers the second most low-cost policy in Des Moines at $ 614 per class. GEICO, the cheapest in the city, is less than MetLife ’ sulfur bounty by $ 525. In fact, MetLife has the most expensive premium in Des Moines for full coverage insurance, at 111 % more than GEICO. Full coverage policies include comprehensive examination and collision policy in addition to liability policy as prescribed by state laws. You can always increase your liability policy limits, although doing so will cost you more in premiums .
Cheapest Car Insurance in Des Moines
Full Coverage 100/300/100
- company 100/300/100
per year
- 1 .GEICO
$473
- 2 .USAA
$614
- 3 .State Farm
$616
- 4. Allied
$673
- 5 .Progressive
$730
- 6. grow Bureau Mutual ( IA Group )
$736
- 7 .American Family
$749
- 8 .Farmers
$816
- 9 .Allstate
$863
- 10 .Travelers
$929
- 11. Grinnell Mutual
$983
- 12 .MetLife
$998
MoneyGeek gathered full coverage insurance rates for our sample driver, a 40-year-old male, from multiple insurers in Des Moines and measure average costs as per our methodology. Full coverage policy includes comprehensive and collision coverage along with indebtedness policy as per state laws. Although full coverage policies are not required by police in Iowa, your lender may stipulate that you include comprehensive and collision indemnity if your car is leased or financed to protect against any damage .
- Comprehensive Insurance: This insurance pays for damage to your vehicle caused by something other than a collision, such as a fallen tree or acts of vandalism.
- Collision Insurance: This insurance pays to repair your car when you’re in an accident.
If you own an older car, full coverage premiums may add up to more than its replacement measure. In such cases, you may wish to consider state minimum or liability-only indemnity .
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Cheapest Car Insurance in Des Moines for Minimum Coverage
Auto policy carriers in Des Moines and elsewhere consider the amount of coverage you purchase when calculating annual premiums. Des Moines has an average price of $ 367 for a department of state minimum liability-only policy and $ 778 for a fully coverage policy, a deviation of $ 411 .
Cheapest Minimum Liability Car Insurance in Des Moines
state Minimum
- party State Minimum
per year
- 1 .USAA
$226
- 2 .GEICO
$232
- 3 .State Farm
$273
- 4. Allied
$300
- 5 .Progressive
$320
- 6. farm Bureau Mutual ( IA Group )
$323
- 7. Grinnell Mutual
$388
- 8 .Farmers
$390
- 9 .MetLife
$396
- 10 .American Family
$439
- 11 .Travelers
$486
- 12 .Allstate
$488
By law, drivers in Iowa are required to have department of state minimum cable car insurance with 20/40/15 in liability limits and uninsured motorist coverage. This is the cheapest car insurance option you can find, but you may be responsible to cover expenses not paid for by your insurance company. For exemplify, if you are at blame in an accident that results in $ 25,000 in medical bills for the other driver, and your insurance merely covers $ 20,000 of that, you will have to pay the proportion of $ 5,000 out of pouch .
Iowa Minimum Liability Requirements
- item description
- Bodily Injury and Property Damage $ 20,000 per person, $ 40,000 per accident and $ 15,000 for property price. A more protective level is 100/300/100 .
Cheapest Car Insurance in Des Moines if You Have Driving Violations
Your drive phonograph record directly impacts your policy premium. If you have violations such as speeding tickets, DUIs or at-fault accidents, your rates will increase. For drivers with anterior violations, the cheapest car policy companies in Des Moines are :
- Cheapest after a ticket: GEICO, $493 per year
- Cheapest after an at-fault accident: GEICO, $687 per year
- Cheapest after a DUI: State Farm, $671 per year
If you improve your driving history, you may be able to reduce your annual premiums. In the meanwhile, MoneyGeek recommends getting quotes from multiple insurers to find the best bum car insurance for drivers with bad records .
Cheapest Car Insurance in Des Moines With a Violation
Speeding ticket
- company Speeding Ticket
per year
- 1 .GEICO
$493
- 2 .State Farm
$671
- 3 .USAA
$752
- 4 .American Family
$754
- 5. Allied
$806
- 6. farm Bureau Mutual ( IA Group )
$889
- 7 .Progressive
$920
- 8 .Allstate
$955
- 9. Grinnell Mutual
$983
- 10 .Farmers
$1,041
- 11 .MetLife
$1,541
- 12 .Travelers
$1,578
Average Cost of Car Insurance in Des Moines
Des Moines
$778
Iowa
$778
U.S.
$1,424
In the city of Des Moines, the average annual price of car insurance is $ 778, which is peer to the Iowa average but drastically lower than the national annual premium average of $ 1,424. Auto coverage is well cheaper in Des Moines compared to many cities in America.
Personalized Quotes to Get You the Cheapest Car Insurance in Des Moines
car insurance companies in Des Moines use several factors to calculate accurate indemnity quotes, including driving history, age, credit rating seduce, gender and car cook and exemplar, among others. If you have no drive violations or you have a good credit score, you have a better opportunity of finding low-cost coverage. To get an accurate quotation for your policy, you should approach car indemnity companies in Des Moines for a personalize quote. You should besides inquire if they have discounts, rebates or promos to help you save money .
Compare Car Insurance Rates in Des Moines
see you ‘re getting the best rate for your car policy. Compare quotes from the top policy companies. widget-location-pin
The Best Car Insurance Companies in Des Moines
Based on MoneyGeek ’ south analysis, the acme two insurance companies in Des Moines that offer a good blend of affordability and quality service are :
- Auto-Owners Insurance Co: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA ranked first as per MoneyGeek ’ mho methodology and is the best choice for drivers who are veterans or stream members of the military and their families. Because the insurance company serves military personnel entirely, we did not include USAA in our rat arrangement. The scores were calculated based on several factors, such as customer satisfaction, affordability and fiscal stability ratings. We used multiple resources in our study, including data analytics and consumer intelligence company J.D. Power .
1
USAA
seduce :
100
5/5 Affordability 5/5 Claims Ratings 5/5 User Satisfaction A++ fiscal stability 2
Auto-Owners Insurance Co
score :
97.5
5/5 Affordability 4/5 Claims Ratings
5/5 User Satisfaction A++ fiscal stability 3
GEICO
score :
92.5
5/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A++ fiscal constancy 4
Allstate
score :
85
3/5 Affordability 3/5 Claims Ratings 4/5 User Satisfaction A+ fiscal constancy 5
Travelers
score :
85
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A++ fiscal constancy 6
Progressive
score :
85
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 7
Auto Club of Southern California Insurance Group
score :
82.5
4/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 8
State Farm
score :
80
3/5 Affordability 3/5 Claims Ratings 3/5 User Satisfaction A fiscal stability 9
American Family
seduce :
77.5
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A+ fiscal stability 10
Safeco
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal stability 11
Liberty Mutual
score :
77.5
2/5 Affordability 4/5 Claims Ratings 2/5 User Satisfaction A fiscal constancy 12
Farm Bureau Ins of MI
score :
75
2/5 Affordability 2/5 Claims Ratings 3/5 User Satisfaction A fiscal constancy 13
Nationwide
sexual conquest :
75
2/5 Affordability 2/5 Claims Ratings 2/5 User Satisfaction A+ fiscal stability 14
Farmers
seduce :
72.5
2/5 Affordability 3/5 Claims Ratings 2/5 User Satisfaction A- fiscal constancy
Average Cost of Car Insurance by Postal Code
Your ZIP code matters when calculating car policy quotes. There are location-specific factors at act, like the average rate of car accidents and fatalities in an area. The cheapest car indemnity quotes in Des Moines by ZIP code are in 50317 with a $ 757 average annual premium. On the other hand, drivers in ZIP code 50315 can expect an $ 800 bounty on average .
- Zip Code State Minimum
per year
- 50317
$757
- 50315
$800
Factors That Impact Insurance Costs in Des Moines
In addition to individual driver needs and history, location-specific factors like the percentage of uninsured motorists and the rate of car thefts besides contribute to car policy rates in Des Moines. How Des Moines ranks compared to the 300 most populous cities in the United States can have a meaning impact on premium costs . Most Accidents With Fatalities
213th
/ 300 Most cable car Thefts
124th
/ 300 Most uninsured Motorists by State
38th
/ 50 personal Injury Protection Required No Most annual rain
161st
/ 300 Most showery Days
129th
/ 300
Methodology and Assumptions
MoneyGeek ’ randomness average agio rates for Des Moines are based on 100/300/100 comprehensive collision coverage with a $ 1,000 deductible for a 40-year-old male driver. The average driver profiled drives a 2010 Toyota Camry LE and has no tickets or accidents on their phonograph record. Additional premiums are added based on coverage type, location and driving record. Learn more about MoneyGeek ’ sulfur data and methodology here. About the generator
Read more: Low Cost Auto Insurance – Atlanta, Georgia
Mark Fitzpatrick is a aged content coach with MoneyGeek specializing in policy. Mark has years of experience analyzing the indemnity market and creating original research and content. He graduated from Boston College with a Bachelor of Arts and Johns Hopkins University with a master of Arts .