Cheapest car insurance companies in Des Moines 

A recent data analysis by Insurance.com found the cheapest car insurance companies are State Farm and West Bend Mutual in Des Moines for 2023. 

State Farm has the cheapest car insurance rates in Des Moines at an average cost of $1,241 per year.

When it comes to car insurance costs in Des Moines, several factors come into play. Your location, driving record, coverage level, and the insurance company you choose can all affect the price you’ll pay. Make sure you shop around and compare policies apples to apples to get a good deal on your insurance policy. 

CompaniesAverage 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 

IMT Insurance is the cheapest option for car insurance in Des Moines for teen drivers, with average annual premiums at just $3,157 annually. Teenagers face high insurance costs due to inexperience and higher accident rates.

Teens can maintain lower car insurance premiums by leveraging the good student discount or by remaining on their parent’s existing policy as long as feasible.

For young drivers in Des Moines, USAA has the cheapest auto insurance rates, with an average annual cost of $1,928 annually

For Des Moines drivers entering their 30s, car insurance becomes significantly more affordable compared to their younger years. USAA provides the cheapest car insurance premiums, offering full coverage policies at $1,187 annually

If you are a senior driver in Des Moines and looking for a cheap car insurance company, then consider buying insurance from USAA. It is the cheapest auto insurance company for senior drivers, with an average premium of $1,145 per year

CompanyTeensYoung AdultsAdultsSeniors
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 

Your driving profile plays an important role in determining your car insurance rates in Des Moines. Those with past accidents, speeding tickets, or other traffic citations on their record can expect increased insurance rates compared to drivers with clean driving records.

To find the cheapest car insurance company in Des Moines, it's important to compare auto insurance rates from multiple providers. This way, you can find the best deal that meets your needs and budget. 

Below are some of the cheapest car insurance companies in Des Moines by driver profile.

If you're a Des Moines driver with poor credit, Geico is the cheapest car insurance company for you, based on Insurance.com's in-depth data analysis. It offers a full-coverage car insurance policy at an average cost of $1,289 annually

The table below shows the list of car insurance companies that offer affordable car insurance for drivers with poor or bad credit scores. 

CompanyAverage 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

State Farm offers the cheapest auto insurance rates for drivers with a speeding ticket in Des Moines. It offers full coverage car insurance for drivers aged 30 at about $1,097 per year

Finding the cheapest car insurance isn't a one-size-fits-all scenario. What may be the most cost-effective option for you might not be the same for someone else. That's why you should compare car insurance quotes from multiple carriers.

CompanyAverage 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

Looking for affordable car insurance rates after an at-fault accident? It can be a challenge, but with comparison shopping, you might find a policy that suits your budget.

Drivers in Des Moines with at-fault accidents on their driving records can find the cheapest car insurance rates with State Farm. Its full coverage policy costs an average of $1,183 annually.

CompanyAverage 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

State Farm is the carrier that offers cheap auto insurance rates in Des Moines for drivers after a DUI. Its average annual rate for full coverage is $1,097

If you are convicted of a DUI, your auto insurance rates are likely to go up. To obtain the best possible offer, it is essential to compare car insurance quotes from multiple carriers. 

CompanyAverage 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 

On average, Des Moines drivers pay $1,585 annually, or $132 monthly, for full coverage car insurance policies with a coverage level of 100/300/100. Conversely, the average annual cost of state minimum coverage in Des Moines is $339.

While full coverage car insurance is more expensive than the state minimum, it provides valuable protection for your own vehicle in addition to coverage for other drivers in the event of an accident. To save money, consider comparing quotes from multiple insurance companies.

Average annual RatesState 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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