Des Moines Car Insurance

The Zebra
May 30, 2018

Car Insurance in Des Moines

Des Moines has premiums that are fairly consistent with Iowa's average, as they are within $25 of one another. Let’s go over some ways to save on car insurance in Des Moines.

  • City Average: $1,040
  • State Average: $1,015
  • National Average: $1,427

Des Moines Car Insurance by Credit Rating

Improving your credit can save you a good bundle of money. Those in the bottom credit tier (300-579) pay an average of almost twice as much on premiums than those in the top credit tier (800-850). Shifting from Very Poor (300-579) to Fair (580-669) brings in the biggest percent reduction in premiums, as drivers save nearly 16% per year.

  • Very Poor: $1,757
  • Fair: $1,478
  • Good: $1,251
  • Very Good: $1,082
  • Exceptional: $934

Des Moines Car Insurance by Accident or Violation History

Do you realize how much an accident or violation history can cost you in terms of car insurance premiums? A DUI will increase your car insurance premiums more than other driving violations. Generally, a DUI in Des Moines will cost you 75% more in car insurance premiums versus the city average ($1,040). Reckless driving will also drive your rates up, with typical rates of $1,748. That is 68% higher than the city average! Even among safe drivers, accidents happen, so be prepared and learn how your rates can change following one. Being at-fault in an accident can cost drivers an additional $631 per year to insure your vehicle in Des Moines.

  • DUI: $1,816
  • Reckless Driving: $1,748
  • At-fault Accident (damages less than $1000): $1,671
  • At-fault Accident (damages greater than $2000): $1,671
  • Speeding Ticket (16-20 mph over speed limit): $1,242

Des Moines Car Insurance by Gender and Marital Status

A lot of driver traits, including marital status and gender, have an effect on car insurance premiums in Des Moines. Being single can cost you an average of $69 more per year compared to being married. Rates for those who are widowed are marginally cheaper than rates for those who are single. Premiums for men tend to be more pricey than for women, but not by much.

  • Female: $1,037
  • Male: $1,040
  • Single: $1,040
  • Married: $971
  • Divorced: $1,040
  • Widowed: $1,020

Des Moines Car Insurance by Age

When you look across all age groups, drivers in their 50s tend to have the smallest insurance payments. Their rates typically average $877 per year. People in their 60s ($910) aren’t paying significantly more. With car insurance payments of $3,726 on average, teenage drivers have the largest premiums of any age group. Des Moines drivers see the biggest dip in premiums when they reach their 20s, as they save an average of $2,239 from moving out of the teenage age range. Car insurance premiums continue to trend downward up until drivers turn 60.

  • Teenagers: $3,726
  • 20s: $1,487
  • 30s: $1,024
  • 40s: $976
  • 50s: $877
  • 60s: $910
  • 70s: $1,119

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