Des Moines, IA
Cheap Car Insurance in Des Moines
Des Moines drivers pay an average of $1,116/year for auto insurance — 5% below the Iowa state average. Compare quotes and save.
Why Des Moines drivers pay less
Des Moines is Iowa's most expensive auto-insurance metro but still well below national average. Across Iowa, the average annual premium is $1,175; Des Moines comes in at about $1,116 — 5% below the state benchmark.
Premiums vary widely within Des Moines based on ZIP code, vehicle, age, credit (where allowed), and driving record. Urban ZIPs typically pay 20-40% more than suburban ones in the same metro area.
5 ways to lower your Des Moines car insurance
- Compare 3+ insurers — drivers who shop can save up to $487/year on average.
- Raise your deductible from $500 to $1,000 if you have an emergency fund.
- Bundle auto with home or renters insurance (10-25% discount).
- Ask about telematics/usage-based discounts (10-30% if you drive carefully).
- Consider your ZIP — moving even one ZIP over in Des Moines can shift your premium 10-20%.
Des Moines drivers