Des Moines Auto Insurance Rates, Quotes, Agents & Reviews in IA

Des Moines, IA Auto Insurance Rates, Quotes, Agents & Reviews

Zimlon, through its research, found that car owners in Des Moines, IA, can avail multiple discounts on car insurance by taking various factors into consideration. These factors are explored in detail by Zimlon in the analysis below.

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Factors that can influence the cost of car insurance in Des Moines, IA are listed below. It is imperative to understand these factors in order to reduce the cost of car insurance. It is also essential to strike a balance between the cost of insurance and the coverage requirements.

Des Moines, IA Auto Insurance Rate Comparisons with Neighboring Locations | Back to Top

The following table compares the cost of insurance in Des Moines, IA with that of other cities in and around Des Moines.

Des Moines Lee Pleasant Hill Delaware Windsor Heights Four Mile
Average Insurance Rates $952 $1,001 $1,065 $1,038 $1,060 $1,373

Des Moines, IA Auto Insurance Rates vary Based on Deductibles in Neighboring Cities | Back to Top

The following table makes a comparison of the variation in car insurance rates in and around Des Moines, IA based on the change in deductibles. A higher deductible leads to a decrease in the cost of car insurance.

Location Low Deductible ($500) High Deductible ($1000)
Des Moines $1,659 $1,402
Lee $1,426 $1,204
Bloomfield $1,996 $1,686
Pleasant Hill $1,720 $1,453
Windsor Heights $1,676 $1,415
Saylor $1,482 $1,252
Four Mile $1,458 $1,232
Delaware $1,070 $904

Des Moines, IA Auto Insurance Rates Based on the Age of the Driver | Back to Top

Teenagers in Des Moines, IA usually pay a much higher car insurance rate compared to the rest of the state as they are generally considered to be less responsible behind the wheel. Middle-aged drivers are likely to pay lower car insurance premiums if they are considered to be safer drivers by insurance companies.

Age of Driver Insurance Cost
Teens $3,089
20 Years $1,223
30 Years $942
40 Years $906
50 Years $839
60 Years $851
70 Years $991

Des Moines, IA Car Insurance Discounts for Multi-Car Insurance | Back to Top

Car owners in Des Moines, IA can obtain discounts if they insure multiple vehicles with the same insurer. The average savings one can obtain are as follows:

Number of Cars Auto Insurance Cost Total Savings
2 Vehicles $1,618 $286
3 Vehicles $2,428 $428
4 Vehicles $3,237 $571

Savings on 2 Vehicles bundle:$286

Savings on 3 Vehicles bundle:$428

Savings on 4 Vehicles bundle:$571

Des Moines, IA Post- DUI Auto Insurance Rates | Back to Top

Driving Under Influence (DUI) can be an added burden on your wallet. The cost of auto insurance will go up post-DUI. The below graph does a comparison of auto insurance rates before and after DUI in and around Des Moines, IA.

Location Average Insurance Cost Post DUI Insurance Rate
Des Moines $952 $1,618
Lee $1,001 $1,701
Bloomfield $1,013 $1,721
Pleasant Hill $1,065 $1,810
Windsor Heights $1,060 $1,801
Saylor $1,050 $1,784
Four Mile $1,373 $2,333
Delaware $1,038 $1,764

Des Moines, IA Auto Insurance Rates Based on Credit Score | Back to Top

Car insurance companies can use the Credit Score of car drivers to determine car insurance rates. Car drivers with good credit can avail of substantial discounts on car insurance rates.

Credit Score Insurance Cost
Exceptional (800-850) $817
Excellent (740-799) $932
Good (670-739) $992
Average (580-669) $1,294
Poor (300-579) $1,553

Des Moines, IA Auto Insurance Agents | Back to Top

Car owners can obtain quotes from multiple auto insurance companies. Comparing different quotes can help identify the cheapest auto insurance provider best suited for their coverage needs.

Agent Name Company Agent Address Contact Details
Advantage Insurance Travelers 8421 UNIVERSITY BLVD STE G, CLIVE, 50325 515-222-1118
Jeremie Jordan Nationwide 655 Walnut St STE 136, Des Moines, 50309-3930 (515) 288-3004
Todd Bartusek Allstate 8515 Douglas Ave Ste 17, Des Moines, 50322 (515) 278-4681
Betty Bebout Allstate 3636 Westown Pkwy Ste 101, West Des Moines, 50266 (515) 225-6401
Central Iowa Insurance Services None 120 S 1St Street, Carlisle, 50047 None
American Health Advisors None 7031 Douglas Avenue, Urbandale, 50322 None
Career General Agency Inc Liberty Mutual Independent 1111 ASHWORTH RD, W DES MOINES, 50265 (515) 267-5401
Iowa Insurance Agency, Inc. None 7400 University Ave Suite A, Clive, 50325 None
Frank Stout Ins Inc None 6521 Merle Hay Rd, Johnston, 50131 None

Des Moines, IA Auto Insurance Rates can Increase Based on Driving Violations | Back to Top

Auto insurance rates tend to increase depending on the type and number of driving violations. The driving violations can stay on the record for a considerable amount of time leading to higher auto insurance rates. The severity of the driving violation and place of residence will determine how long the violation stays on record.

Driving Violation Cost Increase Total Insurance Cost
Driving Without Headlights +$42 $994
Driver's Failure In Showing Documents +$92 $1,044
Driving With An Expired Registration +$98 $1,050
Driving At A Considerably Slow Pace +$207 $1,159
Using A Cellphone While Driving +$218 $1,170
Running A Red Light +$222 $1,174
Speeding +$233 $1,185
Driving A Vehicle Without The Required Permission +$296 $1,248
Driving With An Expired/Suspended License +$642 $1,594

Des Moines, IA Auto Insurance Rates Based on Anti-Theft Feature | Back to Top

Cars that are equipped with safety devices are less prone to thefts. As a result, auto insurance companies provide a considerable amount of discounts to vigilant car owners. The discounts vary depending on the type and number of safety devices installed.

Anti Theft Feature Insurance Cost
Audible Alarm $914
Active Disabling Device $914
Tracking Device $895
Passive Disabling Device $885

Latest Auto Insurance Reviews in Des Moines, IA | Back to Top

Policies were very competitive,There are a number of discounts available, which is my only complaint. In the end I am very happy with my rate, but the discount process was not very transparent to me.
Erie Insurance
Policy offerings are sufficient. We priced out our policy to price match across companies. Erie came in as the best value for us. Again, price sensitivity of the policy offered is important to my family.
State Farm
I'm more than satisfied with my auto insurance, as well, given it's all through the same company and a part of a package deal. I've never had a single problem with any of my reps or my policy.
The premium and deductible are pretty standard for most companies. It is a competitive deductible. There are cheaper companies however you pay for it in other ways as their customer service is awful.
This is my favorite company so far Pricing and offerings are better then what i have had in the past. they offer rental and roadside too which is a plus
Our premium is very reasonable. We have shopped around and Geico is positively comparable to other insurance companies. We are considering checking on a lower rate due to car age and a drop in driving frequency.
Erie Insurance
I just love the care and concern they give to allthe my questions th st give you a sense that they really care about you and what'sthe going on with yourcars
State Farm
I have no problems with them they take the best care of me and fullfill all my needs in every manner
They do offer good coverage in case of an accident. They are also a large insurance company, which I feel is more stable than a small/local insurance company.
Safeco Insurance
There customer support is very good and application and website is easily accessible.
Farmer's Insurance
I have not yet found anything to dislike about my insurance company and I don't know what else to say about that to get this to 20 words so I'll just keep typing. My insurance company is awesome.