Best Cheap Auto Insurance in Des Moines, IA (2021)

The cheapest auto insurance in Des Moines, IA is from GEICO, although rates will vary for each driver. Although drivers in Iowa don’t have to carry auto insurance, the minimum requirements for those that do are 20/40/15. Compare Des Moines, IA auto insurance rates online to find the best deal for you.

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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Feb 22, 2021

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Things to Remember

  • The cheapest auto insurance company in Des Moines, IA is GEICO
  • Des Moines is the capital and most populated city in Iowa
  • Auto insurance in Iowa is much lower than the national average, and Des Moines has one of the cheapest auto insurance rates in the state

Auto insurance in Des Moines, IA is pretty inexpensive, even if it is the largest city in the state. In fact, Iowa auto insurance rates fall below the national average. This makes it pretty easy to find cheap auto insurance in Des Moines.

In order to find the most affordable auto insurance in Des Moines, IA, shop around and compare quotes.

Enter your ZIP code now to compare auto insurance quotes in Des Moines, IA, and find the best coverage for you.

What is the cheapest auto insurance company in Des Moines, IA?

Although USAA comes in as the cheapest auto insurance company in Des Moines, it only offers coverage to the military, veterans, and their family members. The cheapest company that offers coverage to everyone is GEICO.

These are the top-rated auto insurance companies in Des Moines, IA, ranked from cheapest to most expensive:

  • USAA – $1,920.73
  • GEICO – $2,110.32
  • State Farm – $2,463.51
  • Progressive – $2,643.34
  • Nationwide – $2,808.64
  • Farmers – $2,830.33
  • American Family – $3,051.45
  • Allstate – $3,068.71
  • Liberty Mutual – $4,957.66
  • Travelers – $6,254.09

Rates will vary based on different factors such as age, gender, marital status, driving record, ZIP code, and credit score.

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What auto insurance coverage is required in Des Moines, IA?

Iowa is one of the few states that does not require auto insurance. However, if you choose not to carry insurance, you will have to provide proof of financial responsibility if you are in an accident.

Basically, this means that you have to show that you can afford to pay for any damages and injuries resulting in the crash.

For those that choose to carry insurance, the auto insurance minimums required by Iowa are:

  • $20,000 per person and $40,000 per incident for bodily injury liability
  • $15,000 per incident for property damage

This is not a lot of coverage, and you could exhaust it quickly in a serious accident. That would leave you to pay for anything not covered.

What affects auto insurance rates in Des Moines, IA?

Traffic and auto theft also play a part in determining your auto insurance rates in Des Moines, IA.

INRIX ranks Des Moines as the 196th most congested city in the U.S. Although Des Moines is the capital of Iowa, traffic doesn’t seem to be much of an issue.

City-Data reports that drivers in Des Moines, IA spend an average of 25 minutes or less on their commute. 

According to the FBI, 1,260 vehicles were stolen in Des Moines. That equals about one theft for every 172 people.

Des Moines, IA Auto Insurance: The Bottom Line

Drivers in Des Moines enjoy lower than average auto insurance rates. But, before you buy auto insurance in Des Moines, IA, shop around to get the best deal.

Enter your ZIP code now to compare auto insurance rates in Des Moines, IA.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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