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Cheapest car insurance in Des Moines, Iowa

Iowa requires minimum liability coverage of 20/40/15. Rates below are monthly estimates for the 25-55 driver, Full coverage, Fair credit bracket.

Filed per-carrier data
Methodology → All of Iowa →

Pulled directly from carrier rate filings for this city.

With 214,778 residents, Des Moines sits in the mid-size band where carriers file rates regularly but the field of insurers is a bit shorter than in a major metro. The spread here is wide, 63% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 11% more than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 USAAFiled rate, credit/record adjusted $135.57
02 GEICOFiled rate, credit/record adjusted $148.28
03 State FarmFiled rate, credit/record adjusted $197.26
04 IMT InsuranceFiled rate, credit/record adjusted $198.09
05 Auto-OwnersFiled rate, credit/record adjusted $204.91
06 West Bend Insurance CompanyFiled rate, credit/record adjusted $206.15
07 ProgressiveFiled rate, credit/record adjusted $217.83
08 TravelersFiled rate, credit/record adjusted $218.65
09 AllstateFiled rate, credit/record adjusted $300.29
10 Iowa Farm BureauFiled rate, credit/record adjusted $352.06
11 Grinnell MutualFiled rate, credit/record adjusted $366.32
Rate explainer
Why is your best rate $135.57 and not $209.31?

Des Moines is priced against 11 insurers for the 25-55 driver, Full coverage, Fair credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-22.70
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Fair (modeled) +$44.79
Driving record, Clean (modeled) +$0.00
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About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.