Compare Auto Insurance in Des Moines
There are a whopping 81 insurance companies based in Des Moines, Iowa. If you’re looking to narrow down that list of 81 companies to just one for you, QuoteWizard can help you. This page covers Des Moines insurance laws, rates, companies, and more.
Average Des Moines Insurance Rates
How much is car insurance in Des Moines, IA? Fortunately, Iowa is one of the least expensive states for car insurance in the country. Average auto insurance in Iowa costs $599.03 per year. The national average price is $889.01.
Prices may vary based on your zip code, traffic conditions, and claim history.
|Total Cost Per Year||$599.03|
|Price Per Month||$49.91|
|Source: Facts + Statistics: Auto insurance|
The graph below shows the average Iowa insurance rates from 2011 to 2015. This is the most recent data available. The Insurance Information Institute shows Iowa car insurance increased from $551 in 2011 to $599 in 2015. This is a jump of $47 dollars, or 8.58 percent.
Buying car insurance in Des Moines can take a lot of time – especially with 81 insurance companies in your back yard! Let QuoteWizard help you compare rates to find the right company. After a couple minutes of easy clicks, you’ll have your quotes.
Last year, 4,695 people used QuoteWizard to compare car insurance in Des Moines, IA from multiple companies to find the cheapest rates.
Best Car Insurance Companies in Des Moines, IA
These are the most popular car insurers reported by QuoteWizard users in Des Moines, Iowa. Of these, 1,275 of them had no insurance when they requested a quote.
Top 10 Vehicles in Des Moines
These are the most popular makes and models owned by Des Moines, IA QuoteWizard users.
- Chevrolet Impala/LS/LT
- Ford F-150
- Ford Taurus SE
- Toyota Camry LE
- Chevrolet Cruze LT
- Chevrolet Blazer
- Dodge Ram 1500
- Chevrolet Equinox LT
- Chevrolet Malibu LS
- Ford Fusion SE
Minimum Car Insurance Requirement in Des Moines, IA
Iowa is one of the few states in the US that doesn’t require minimum car insurance. However, if you’re in an accident in Des Moines, IA you're required to show proof of financial responsibility. Failure to provide proof will result in license suspension. What qualifies as proof of financial responsibility?
- Show proof of liability insurance
- Post cash, cashier’s check, certified check, bank draft or money order payable to the Office of Driver Services
- Obtain releases from any parties with damages or injuries
- Obtain a court decision that relieves you of liability
- File an installment plan to pay for damages or injuries
- Execute a warrant for confession of judgment with an agreed-upon payment schedule
- Submit evidence of settlement of damages or injuries
You don’t need to show proof of financial responsibility if:
- Your car was legally parked, standing, or stopped
- Someone was driving your car without your permission
- You were the only one to sustain injuries or damages from the accident
Recommended Coverage Levels
Though Iowa doesn’t require any insurance coverage, it’s a bad idea to get on the road without insurance. Why? Getting into an accident can cost you quite a bit of money. And not just for damages to your car. If you don’t have insurance, you have to pay for any damages or injuries you cause to other people. That can lead to substantial out-of-pocket expenses.
Given that, we recommend the following coverage:
- Individual Body Injury Liability: $100,000
- Total Bodily Injury Liability: $300,000
- Property Damage Liability: $100,000
Des Moines Drivers
Insurance is more expensive in areas with a lot of bad drivers and accidents. How does Des Moines fare? QuoteWizard ranked state and city drivers from best to worst. Overall, Iowa is 27th for worst drivers by state. Not bad, not great.
Factors such as weather, road conditions, and traffic can affect your insurance rates. Areas with riskier driving conditions usually have higher rates.
During the winter months, Des Moines can get snow and black ice. The city gets 33 inches of snow per year, more than the national average. Rainfall totals 36 inches a year, less than the national average.
TRIP reports that 29 percent of Des Moines's roads are in poor condition. Driving on bad roads costs drivers $397 a year in extra car operating costs.
Inrix ranks Des Moines 232nd out of 297 cities for worst traffic congestion in the United States. Des Moines commuters spent an extra 8 hours driving last year.
If you have tickets and accidents on your driving record, expect to pay more for car insurance. After several citations, insurers will see you as high-risk. That’s a costly designation. If you’re a high-risk driver, you might have trouble finding an insurance company willing to cover you.
Polk County reported 18,721 speeding convictions in 2017. Traffic tickets contribute to higher insurance rates.
DUI and OWI Arrests
A DUI will affect your insurance rates badly. In fact, our study found that drivers with a DUI pay an extra $830 per year for car insurance. In 2017 Polk County reported 1,916 OWI license revocations. This is down 3.79% from the 1,846 OWI revocations made in 2016.
SR-22 DUI/DWAI Insurance
Iowa drivers with a suspended license due to DUI must file an SR-22 form. You are required to carry the SR-22 for 36 straight months. If you fail to renew your SR-22 15 days before it expires, the DMV is notified, and your license is suspended.
Car Accident Statistics
Drivers pay more for insurance in areas with high accident rates. In 2017, the Iowa Dept. of Transportation reported 55,032 total crashes.
The Iowa Dept. of Transportation reported 330 crash fatalities in 2017.
Car Insurance Discounts in Des Moines
Are you looking for affordable car insurance? Discounts are one of the best ways to lower insurance rates. These are some of the many auto insurance discounts Des Moines drivers can use. Get a quote and find out which discounts you qualify for.
Looking for ways to get a discount? Des Moines drivers have many options:
- If you’re 55 or over, see if a senior citizens discount is available
- Have more than one car? Look into a multiple car discount
- Take a certified defensive driving course
- Make sure your car as up-to-date safety features and anti-theft devices
- Bundle your car insurance with your home or renters insurance, you can cut up to 20 percent off your total bill
- There are discount rates for active and retired members of the Military, National Guard, or Reserves
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