Compare the Cheapest Car Insurance Quotes in Des Moines, IA

If you live in Des Moines, GEICO is the best option for car indemnity since it offers the cheapest overall car indemnity, cheapest state minimum policies and the cheapest policies for drivers with a accelerate ticket. Veterans and current members of the military can see if USAA is their best option ; however, the best indemnity company for drivers looking for a libra of affordability and service choice is Auto-Owners Insurance Co .iconribbon best car policy Des Moines

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 .

Compare Car Insurance Rates in Des Moines

guarantee you ‘re getting the best rate for your car indemnity. Compare quotes from the top insurance companies. widget-location-pinInsurance Rates

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 .accident2 icon Most Accidents With Fatalities

213th

/ 300handcuffs2 icon Most cable car Thefts

124th

/ 300uninsured icon Most uninsured Motorists by State

38th

/ 50insurance2 icon personal Injury Protection Required Norain icon Most annual rain

161st

/ 300umbrella icon 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

expert-profileexpert-profile 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 .

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