Cheapest car insurance companies in Des Moines
According to a study by Insurance.com, the cheapest car insurance companies in Des Moines for 2023 are State Farm and West Bend Mutual.
State Farm offers the cheapest car insurance premium for Des Moines drivers at an annual rate of $1,241 a year, on average.
The cost of car insurance in Des Moines varies depending on your ZIP code, driving history, coverage level, and carrier. To maximize your chances of finding a great deal, it's recommended to compare quotes from multiple carriers.
Here’s a list of insurance companies offering affordable premiums to drivers in Des Moines.
| Companies | Average annual rates |
|---|---|
| USAA | $1,158 |
| State Farm | $1,241 |
| West Bend Mutual | $1,296 |
| Geico | $1,328 |
| Auto-Owners | $1,459 |
| IMT Insurance | $1,539 |
| Travelers | $1,615 |
| Progressive | $1,616 |
| Iowa Farm Bureau | $1,704 |
| Allstate | $2,035 |
| Grinnell Mutual | $2,440 |
Cheapest car insurance cost in Des Moines by Age Group
In Des Moines, IMT Insurance is the cheapest car insurance company for teenagers, offering full coverage policies at $3,157 a year, on average. Teenagers often face higher car insurance rates due to statistical data indicating that they pose a greater risk on the roads.
However, teen drivers who maintain good grades or stay on their parent's policy can qualify for significant insurance discounts.
USAA provides the cheapest car insurance coverage for young drivers in Des Moines, with an annual premium of $1,928 on average.
You'll find that car insurance rates are much lower by the time drivers reach their 30s than they are for drivers in their 20s. The cheapest auto insurance company for adult drivers in Des Moines is USAA. Its average rate for a full coverage car insurance policy is $1,187 per year.
USAA tops the list in terms of affordability for senior drivers in Des Moines. With an average annual premium of $1,145, USAA offers senior drivers the cheapest car insurance rates, allowing them to enjoy peace of mind.
| Company | Teens | Young Adults | Adults | Seniors |
|---|---|---|---|---|
| IMT Insurance | $3,157 | $2,284 | $1,560 | $1,484 |
| USAA | $3,342 | $1,928 | $1,187 | $1,145 |
| State Farm | $3,649 | $2,097 | $1,248 | $1,186 |
| Geico | $3,673 | $2,113 | $1,338 | $1,272 |
| Auto-Owners | $4,164 | $2,665 | $1,465 | $1,443 |
| West Bend Mutual | $4,813 | $2,430 | $1,291 | $1,313 |
| Iowa Farm Bureau | $5,047 | $2,836 | $1,610 | $1,567 |
| Travelers | $5,064 | $2,539 | $1,642 | $1,534 |
| Progressive | $5,736 | $2,864 | $1,663 | $1,479 |
| Grinnell Mutual | $5,924 | $3,841 | $2,396 | $2,108 |
| Allstate | $7,479 | $3,230 | $2,105 | $2,017 |
Cheapest car insurance companies in Des Moines by driver profile
When determining car insurance rates in Des Moines, insurers consider multiple factors, including the driver's profile. Individuals with a clean driving record enjoy substantially lower premiums than drivers with a history of accidents or traffic citations.
When it comes to finding the cheapest car insurance rates in Des Moines, make sure you compare insurance quotes from various insurers. By comparing rates from multiple providers, you can get the coverage you need while saving money.
Based on data analysis by Insurance.com's experts, these are the cheapest car insurance companies for Des Moines drivers based on driver profile.
- Cheapest for a driver with poor credit: Geico
- Cheapest for a driver with a speeding ticket: State Farm
- Cheapest for accident: State Farm
- Cheapest for DUI: State Farm
Cheapest for a driver with poor credit: Geico
The cheapest car insurance company for a driver with poor credit is Geico. It offers auto insurance for Des Moines drivers at about $1,289 per year.
Below is a list of carriers that offer car insurance at an affordable rate for drivers with poor or less-than-perfect credit scores.
| Company | Average annual rates |
|---|---|
| Geico | $1,289 |
| Nationwide | $1,438 |
| Travelers | $1,681 |
| USAA | $1,822 |
| Allstate | $2,325 |
| Farmers | $2,357 |
| State Farm | $2,560 |
| Progressive | $3,274 |
Cheapest for drivers with a speeding ticket: State Farm
State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Des Moines. It provides full coverage car insurance for drivers aged 30 at about $1,097 per year.
Some companies are known for providing the cheapest car insurance rates, but finding the most affordable policy depends highly on individual factors.
Comparing quotes from various car insurance companies can prove beneficial for getting the best deal. With this, you can get the coverage you need at an affordable price.
| Company | Average annual premium |
|---|---|
| State Farm | $1,097 |
| USAA | $1,363 |
| Geico | $1,495 |
| Nationwide | $1,572 |
| Travelers | $1,587 |
| Allstate | $1,751 |
| Farmers | $2,157 |
| Progressive | $2,511 |
Cheapest auto insurance after an at-fault accident: State Farm
State Farm is the cheapest auto insurance provider for drivers with a history of accidents. Its average annual rate for a driver with an at-fault accident in Des Moines is $1,183. If you've had an accident in the past, it's important to find a provider that offers rates that are affordable and won't hurt your pocket.
| Company | Average annual rates |
|---|---|
| State Farm | $1,183 |
| Travelers | $1,628 |
| Geico | $1,653 |
| Nationwide | $1,794 |
| USAA | $1,840 |
| Allstate | $2,398 |
| Farmers | $2,502 |
| Progressive | $3,314 |
Cheapest auto insurance after a DUI: State Farm
State Farm is the cheapest option for Des Moines drivers seeking affordable auto insurance rates after a DUI conviction, at an annual rate of $1,097, on average.
Following a DUI conviction, it's likely that your auto insurance premiums will increase. To get affordable premiums, compare car insurance quotes from various providers. Comparison shopping can help you find the best possible offer.
| Company | Average annual rates |
|---|---|
| State Farm | $1,097 |
| Geico | $1,807 |
| Travelers | $1,976 |
| USAA | $1,985 |
| Allstate | $2,529 |
| Nationwide | $2,560 |
| Progressive | $2,571 |
| Farmers | $2,575 |
Average car insurance cost in Des Moines
In Des Moines, the average annual cost for full coverage car insurance is around $1,585, which breaks down to approximately $132 per month. These rates are based on coverage levels of 100/300/100. On the other hand, the average yearly rate for state minimum coverage in Des Moines is about $339.
You pay more for full coverage insurance than the state minimum, but it covers damage to your car besides providing coverage for other driver's vehicle. To lower your premium, consider comparing quotes from different companies.
| Average annual Rates | State minimum average |
|---|---|
| $1,585 | $339 |
Methodology
Insurance.com commissioned 2023 data for the cheapest car insurance rates in cities from Quadrant Data Services for all 50 states and Washington D.C. Rates are based on the following profile:
- 40-year-old male driver
- Honda Accord LX
- 12-mile daily commute, 10,000 annual miles
- Good credit
- Clean record
While the rates for drivers with poor credit, speeding tickets, DUI and at-fault accidents were sourced from the Auto Problems Report 2023.
Rates are based on coverage limits of:
- $100,000 bodily injury per person
- $300,000 bodily injury per accident
- $100,000 property damage per accident
- $500 comprehensive and collision deductible
Insurance.com analyzed rates from over 34,000 ZIP codes, 56 million quotes, and 136 companies. Based on the analysis, we have created lists of the cheapest companies for different driver profiles. USAA also made it to the list, but it offers services only to current and former military members and their families. Rates sourced from Quadrant Data Services for comparison purposes only; your rates may differ.
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