What is the average cost of car insurance in Des Moines?
The average car insurance rate in Des Moines, Iowa, is $1,088 per year. That's less expensive than the average across Iowa ($1,106) and less expensive than the national average of $1,548. Our guide to car insurance in Des Moines — researched and written by The Zebra's team of licensed insurance experts — includes average premiums based on age, credit score, driving history, and marital status. Read on for more information.
CAR INSURANCE RATES IN DES MOINES
|Des Moines Average (annual)||Iowa Average||National Average|
Compare rates side-by-side:
Des Moines auto insurance rates by company
One of the most important determinants of your car insurance rates is the insurance company you work with. For a typical insurance customer, GEICO provides Des Moines's cheapest rates. Reference below the top options for affordable insurance in Des Moines. Don't forget to get car insurance quotes based on your unique driving profile.
DES MOINES CAR INSURANCE PREMIUMS BY COMPANY
|Company||Average Yearly Rate|
|Iowa Farm Bureau||$919|
Des Moines car insurance premiums by age
Des Moines drivers in their age_50s pay relatively affordable car insurance rates just $897each year, on average. Rates for Des Moines drivers in their age_60s are also relatively affordable, at just $910 per year.
The Des Moines drivers who pay the highest insurance rates are teenagers. When drivers hit their 20s in Des Moines and move out of the teenage age bracket, they reduce their premiums substantially. The difference in rates paid by teenage drivers and drivers in their 20s in Des Moines is $1,832, the largest such difference between any two age groups.
DES MOINES AUTO INSURANCE COSTS BY AGE
|Age tier||Average Annual Rate|
Des Moines auto insurance rates by gender and marital status
Marital status and gender are contributing factors to car insurance rates in many cases. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Des Moines pay $88 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Des Moines, single drivers pay more than those who are widowed.
Gender is yet another factor that can affect auto insurance premiums. In Des Moines, female drivers pay $6 per year more than do male drivers for car insurance.
DES MOINES CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
|Marital Status/Gender||Average Yearly Rate|
Des Moines auto insurance costs by violation history
Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.
Des Moines drivers found guilty of reckless driving pay the price when it comes to auto insurance, facing a rate increase of $636 per year versus the city average. A ticket for speeding results in a $173 rate hike, on average, while a DUI violation costs $626per year in insurance premiums.
AVERAGE DES MOINES INSURANCE RATES AFTER A VIOLATION OR ACCIDENT
|Violation||Average Annual Rate|
|At-fault Accident (damages < $1,000)||$1,407|
|At-fault Accident (damages > $2,000)||$1,512|
|Speeding Ticket (16-20 mph over speed limit)||$1,261|
Des Moines car insurance premiums by credit tier
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. Des Moines drivers who improve their credit score from "Very Poor" (300-579) to "Exceptional" (800-850) can save as much as 55% on their auto insurance premiums. Moving from "Very Poor" to "Fair" credit is a great way to save money on car insurance. In Des Moines, improving your credit to "Fair" could help you earn $692 in savings on insurance premiums each year.
DES MOINES AUTO INSURANCE RATES BY CREDIT SCORE
|Credit Tier||Average Yearly Rate|