You have money questions. Bankrate has answers. Our experts have been helping you master your money for over four decades. We continually strive to provide consumers with the expert advice and tools needed to succeed throughout biography ’ s fiscal travel. Bankrate ’ s editorial team writes on behalf of YOU – the subscriber. Our finish is to give you the best advice to help you make fresh personal finance decisions. We follow nonindulgent guidelines to ensure that our editorial subject is not influenced by advertisers. Our editorial team receives no direct compensation from advertisers, and our subject is thoroughly fact-checked to ensure accuracy. so, whether you ’ re reading an article or a review, you can trust that you ’ re getting credible and reliable data. We respect your confidence. Our mission is to provide readers with accurate and indifferent information, and we have editorial standards in place to ensure that happens. Our editors and reporters thoroughly fact-check column content to ensure the information you ’ ra read is accurate. We maintain a firewall between our advertisers and our editorial team. Our column team does not receive calculate recompense from our advertisers. Bankrate follows a rigorous editorial policy, so you can trust that we ’ rhenium putting your interests first. Our award-winning editors and reporters create honest and accurate capacity to help you make the right fiscal decisions. All providers discussed on our web site are vetted based on the value they provide. And we constantly review our criteria to ensure we ’ re putting accuracy beginning. Our insurance team is composed of agents, data analysts, and customers like you. They focus on the points consumers care about most — price, customer overhaul, policy features and savings opportunities — so you can feel confident about which provider is right for you. Bankrate follows a rigid column policy, so you can trust that we ’ re putting your interests first. All of our content is authored by highly stipulate professionals and reviewed by subject count experts, who ensure everything we publish is objective, accurate and worthy of your hope. Founded in 1976, Bankrate has a long track record of helping people make ache fiscal choices. We ’ ve maintained this reputation for over four decades by demystifying the fiscal decision-making process and giving people confidence in which actions to take next. While we adhere to strict editorial integrity, this stake may contain references to products from our partners. here ‘s an explanation for how we make money. This contentedness is powered by HomeInsurance.com ( NPN : 8781838 ). For more data, please see our Insurance disclosure. In Des Moines, 43 % of households have two cars and about 80 % of workers commute alone to work on an average 18 moment drive. car owners in Des Moines, Iowa pay an average cost of $ 329 for department of state minimum and $ 1,231 for broad coverage per annum. To determine the best brassy car indemnity companies offering coverage in Des Moines, we reviewed coverages, discounts and price for each. We besides compared complaint ratios, third-party rankings for customer service and fiscal stability to help Des Moines drivers make the best choice for their car policy needs .
Best car insurance companies in Des Moines
The keep up car policy carriers are considered by Bankrate to be some of the best in Des Moines, offering cheap car insurance rates, a wide range of coverage and good rebate options. Third-party customer satisfaction ratings from J.D. Power ’ south 2020 U.S. Auto Insurance Satisfaction Study and the National Association of Insurance Commissioners ( NAIC ) complaint index scores were besides considered. ultimately, each company ’ second fiscal stability scores showing their ability to pay claims were besides taken into report .
| Insurance company | J.D. Power score | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|---|
| Auto-Owners | 868 / 1000 | $321 | $1,262 |
| Geico | 855 / 1000 | $273 | $1,054 |
| Progressive | 849 / 1000 | $342 | $1,160 |
| USAA* | 905 / 1000 | $264 | $1,009 |
| West Bend | N/A | $237 | $946 |
*Excluded from rankings due to eligibility requirements Auto-Owners offers standard car insurance and specialization car policies for authoritative cars and converted or modify vehicles. Des Moines insureds can customize their car insurance needs with coverages like collision coverage advantage, common loss deductible and Auto-Owners tailored personal car plus box. In the Central region, Auto-Owners is ranked # 1 for customer gratification in the Auto Insurance Satisfaction Study. It is besides rank # 3 in the J.D. Power 2020 U.S. Auto Claims Satisfaction Study. With a superior fiscal potency rat, Auto-Owners customers can be sure claims will be paid in a timely manner. Another positive for the Auto-Owners claims experience is its NAIC complaint index, which is lower than the average of 1.00 at barely 0.89.
With annual rates lower than the average rate in Des Moines, Geico is one of the best cheap car policy companies offering coverage in the area. If you struggle with determining how much car indemnity coverage you need, Geico offers a calculator to help you make the right choice. With a master of ceremonies of dismiss options and an award-winning mobile app with enhance features, it is not surprising the car insurance company is ranked equitable below Auto-Owners in the Central region. however, Geico has a fair below modal claims atonement rate and besides has a higher-than-average NAIC charge index, suggesting that while rates are brassy, the claims march may not be the easiest process. progressive offers a wide range of car indemnity coverages for Des Moines drivers to tailor their car policy to their specific needs. optional coverages include break indemnity, customs parts and equipment, rideshare coverage and a deductible savings bank. For those on a budget looking for bum rates, Progressive ’ s Name Your Price cock can help you find low-cost coverage at a monetary value you can pay. Customers in the Central region place Progressive one-fourth in the Auto Insurance Satisfaction Study. Progressive has a under average score for car claims satisfaction and has a complaint index with the NAIC close to Geico ’ second at 1.70. But, the party has superior fiscal lastingness so paying claims is not an publish. Offering car insurance to past and introduce military, their spouses and children, USAA is a bum cable car insurance option for those who qualify. Of the best cheap carriers listed, USAA has the cheapest average car insurance pace for state minimum coverage and the moment bum for full coverage. USAA offers unique savings options for deploying members that need car storage and extends syndicate and loyalty discounts as well. In the J.D. Power studies, USAA has the most points but does not meet the criteria for ranking because of membership limitations. With the highest potential ratings for fiscal intensity to pay claims, the rate where USAA falters is with a 1.89 NAIC complaint index compared to exchangeable size car insurers .
West Bend
West Bend Insurance offers cheap car indemnity in a choice few states, including Iowa. With the best bum average rates for both country minimum and broad coverage, West Bend is a viable option for Des Moines drivers. Its home and Highway policy is a individual policy insuring all your car, home, gravy boat, RV and high-value item needs. With just one deductible per policy, this choice is big for those who prefer to keep all their indemnity with the lapp company. As a minor insurance company, West Bend is not included in the J.D. ability 2020 car studies. With a farseeing list of insurance product offerings, West Bend is a reciprocal policy company owned by the policyholders and has been in business since 1894 with victor fiscal intensity. West Bend besides has a lower-than-average NAIC ailment index of fair 0.27, proving its dedication to providing an excellent claims feel .
Cheapest car insurance in Des Moines
On average, Iowa drivers pay less than the national average cost of car insurance coverage. For full coverage, Iowa drivers pay on average $ 1,260 per year while the national average is $ 1,674. The table below shows the cheapest cable car indemnity costs in Des Moines for the carriers with the greatest grocery store share in Iowa. USAA has the cheapest annual rates but is limited to military members, while Geico and Auto-Owners are the adjacent best option for state minimum coverage. Geico and State Farm offer the best bum average rates for full coverage in Des Moines per year. Each company offers multiple ways to file claims either on-line, over the phone or through an app. Insureds can besides pay bills, view their policies and make some changes online or in the app. The most popular car policy carriers offer standard car indemnity coverages and have extra options and discounts available to create a policy to fit your family needs .
| Insurance company | Average annual premium for minimum coverage | Average annual premium for full coverage |
|---|---|---|
| USAA | $264 | $1,009 |
| Geico | $273 | $1,054 |
| Auto-Owners | $321 | $1,262 |
| Progressive | $342 | $1,160 |
| State Farm | $357 | $1,057 |
Des Moines insurance requirements
Drivers in Des Moines, Iowa must carry minimal indebtedness coverage of :
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
- $15,000 per accident for property damage
The state minimum coverages in Iowa may not be enough to cover the broad cost of an accident with injuries and place damage. Most insurance experts recommend purchasing a much liability insurance as you can to protect yourself financially if you are in an accident. Lenders of leased or financed cars may besides require full coverage and higher indebtedness limits to meet lend requirements .
Car insurance discounts in Des Moines
One way to get brassy car policy rates with the best companies in Des Moines is to apply discounts to the policy. here are a few that can have the largest affect on your car indemnity costs :
- Defensive driving: Drivers over 55 can complete a state-approved defensive driving safety course and receive a potential discount on their car insurance.
- Good student: For drivers under 25, maintaining a certain GPA may lower the high cost of car insurance for full-time students.
- Multi-policy: Insuring your car, home and other insurance needs with the same company can earn you a bundling discount.
- Usage-based: For drivers with good habits and who do not have long commutes, usage-based programs can be a real money saver if you allow the company to track your driving.
Frequently asked questions
What is the best car insurance company?
The best car insurance company in Des Moines will have the coverages you need, discounts to keep car indemnity rates gloomy and early factors authoritative to you. Getting quotes from multiple carriers can help you find the best cheap cable car policy available .
How much does car insurance in Des Moines cost?
The costs for car policy in Des Moines deviate by coverages, discounts, fomite type and personal details like your driving history and which zip code you live in.
Methodology
Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a houseclean drive record, well credit rating and the follow wide coverage limits :
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $50,000 property damage liability per accident
- $100,000 uninsured motorist bodily injury per person
- $300,000 uninsured motorist bodily injury per accident
- $500 collision deductible
- $500 comprehensive deductible
To determine minimum coverage limits, Bankrate used minimum coverages that meet each state ’ sulfur requirements. Our sample drivers own a 2019 Toyota Camry, permute five days a workweek and drive 12,000 miles per annum. These are sample rates and should be used for comparative purposes alone. Your quotes may be different .