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

The average West Des Moines, IA auto insurance rates are $242 per month. The minimum auto insurance in West Des Moines is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in West Des Moines, Iowa, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: Jul 16, 2021

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Things to Remember

  • The average commute length in West Des Moines is 17.0 minutes
  • The most expensive auto insurance company in West Des Moines for teen drivers is Travelers
  • The cheapest auto insurance company in West Des Moines is USAA

West Des Moines, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in West Des Moines can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in West Des Moines, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in West Des Moines to other Iowa cities, including Cedar Rapids auto insurance rates, Iowa City auto insurance rates, and Waterloo auto insurance rates to see how West Des Moines, Iowa auto insurance rates stack up.

Before you buy West Des Moines, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free West Des Moines, Iowa auto insurance quotes.

Minimum Auto Insurance in West Des Moines, Iowa

West Des Moines, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in West Des Moines, Iowa.

Minimum Required Auto Insurance Coverage in West Des Moines, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cheap West Des Moines, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in West Des Moines, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in West Des Moines, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,972 $1,878 $1,768 $1,795 $6,023 $6,829 $2,121 $2,174
American Family $1,761 $1,761 $1,586 $1,586 $4,885 $6,741 $1,761 $2,105
Farmers $1,638 $1,671 $1,463 $1,615 $5,132 $5,492 $2,230 $2,365
GEICO $1,694 $1,519 $1,573 $1,455 $3,976 $3,686 $1,559 $1,421
Liberty Mutual $2,054 $2,216 $1,831 $2,226 $11,085 $12,457 $2,329 $2,554
Nationwide $1,741 $1,774 $1,560 $1,648 $4,257 $5,438 $2,000 $2,159
Progressive $1,488 $1,404 $1,233 $1,283 $4,158 $4,670 $1,790 $1,949
State Farm $1,368 $1,368 $1,232 $1,232 $4,143 $5,203 $1,548 $1,784
Travelers $2,176 $2,215 $2,149 $2,147 $10,165 $16,208 $2,280 $2,637
USAA $1,147 $1,146 $1,065 $1,067 $3,270 $3,436 $1,363 $1,497

Cheap West Des Moines, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in West Des Moines, Iowa is a challenge. Take a look at the annual teen auto insurance rates in West Des Moines, Iowa.

Annual Auto Insurance Rates for Teen Drivers in West Des Moines, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,023 $6,829
American Family $4,885 $6,741
Farmers $5,132 $5,492
GEICO $3,976 $3,686
Liberty Mutual $11,085 $12,457
Nationwide $4,257 $5,438
Progressive $4,158 $4,670
State Farm $4,143 $5,203
Travelers $10,165 $16,208
USAA $3,270 $3,436

Cheap West Des Moines, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in West Des Moines, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in West Des Moines, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,768 $1,795
American Family $1,586 $1,586
Farmers $1,463 $1,615
GEICO $1,573 $1,455
Liberty Mutual $1,831 $2,226
Nationwide $1,560 $1,648
Progressive $1,233 $1,283
State Farm $1,232 $1,232
Travelers $2,149 $2,147
USAA $1,065 $1,067

Cheap West Des Moines, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in West Des Moines, Iowa compared to the annual auto insurance rates with a clean record in West Des Moines, Iowa.

Annual West Des Moines, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,581 $3,153 $3,634 $2,912
American Family $2,002 $2,941 $3,801 $2,350
Farmers $2,302 $2,855 $2,905 $2,742
GEICO $1,556 $2,228 $2,990 $1,668
Liberty Mutual $3,956 $4,934 $4,987 $4,499
Nationwide $1,884 $2,673 $3,611 $2,120
Progressive $1,791 $3,010 $1,948 $2,238
State Farm $2,040 $2,430 $2,235 $2,235
Travelers $3,618 $4,869 $6,532 $4,969
USAA $1,326 $1,803 $2,338 $1,527

Cheap West Des Moines, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in West Des Moines, Iowa is not easy. Compare the annual rates for DUI auto insurance in West Des Moines, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in West Des Moines, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,634
American Family $3,801
Farmers $2,905
GEICO $2,990
Liberty Mutual $4,987
Nationwide $3,611
Progressive $1,948
State Farm $2,235
Travelers $6,532
USAA $2,338

Cheap West Des Moines, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how West Des Moines, Iowa annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in West Des Moines, Iowa

Insurance Company Poor Fair Good
Allstate $3,667 $2,915 $2,628
American Family $3,532 $2,592 $2,195
Farmers $3,097 $2,572 $2,434
GEICO $2,534 $2,110 $1,687
Liberty Mutual $6,510 $4,075 $3,196
Nationwide $3,105 $2,463 $2,149
Progressive $2,612 $2,156 $1,972
State Farm $3,183 $1,969 $1,553
Travelers $5,600 $4,805 $4,586
USAA $2,280 $1,586 $1,380

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Cheap West Des Moines, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in West Des Moines, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in West Des Moines, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in West Des Moines, Iowa

ZIP Code Average Annual Rates
50265 $2,454
50266 $2,460

Cheap West Des Moines, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect West Des Moines, Iowa auto insurance. Find the cheapest annual West Des Moines, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in West Des Moines, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $2,997 $3,143
American Family $2,741 $2,806
Farmers $2,701 $2,701
GEICO $2,076 $2,145
Liberty Mutual $4,594 $4,594
Nationwide $2,572 $2,572
Progressive $2,247 $2,247
State Farm $2,180 $2,290
Travelers $4,997 $4,997
USAA $1,685 $1,812

Cheap West Des Moines, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in West Des Moines, Iowa? Check out the comparison of annual West Des Moines, Iowa auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in West Des Moines, Iowa

Insurance Company Low Medium High
Allstate $2,951 $3,074 $3,184
American Family $2,744 $2,931 $2,645
Farmers $2,568 $2,710 $2,824
GEICO $1,967 $2,111 $2,253
Liberty Mutual $4,398 $4,588 $4,796
Nationwide $2,656 $2,573 $2,487
Progressive $2,104 $2,259 $2,378
State Farm $2,095 $2,252 $2,357
Travelers $4,690 $5,073 $5,228
USAA $1,639 $1,756 $1,851

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Best By Category: Cheapest Auto Insurance in West Des Moines, Iowa

Compare the cheapest auto insurance companies in West Des Moines, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in West Des Moines, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest West Des Moines, Iowa Auto Insurance Companies

What auto insurance companies in West Des Moines, Iowa are the cheapest? Compare the top West Des Moines, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in West Des Moines, Iowa

Insurance Company Average Annual Rates
Allstate $3,070
American Family $2,773
Farmers $2,701
GEICO $2,110
Liberty Mutual $4,594
Nationwide $2,572
Progressive $2,247
State Farm $2,235
Travelers $4,997
USAA $1,749

What affects auto insurance rates in West Des Moines, Iowa?

There are a lot of reasons why auto insurance rates in West Des Moines, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in West Des Moines, Iowa. Many local factors may affect your West Des Moines auto insurance rates.

West Des Moines Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average West Des Moines, Iowa commute length is 17.0 minutes according to City-Data.

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Compare West Des Moines, Iowa Auto Insurance Quotes

Before you buy West Des Moines, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free West Des Moines, Iowa auto insurance quotes.

Free Auto Insurance Comparison

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

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