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.
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 Rates
- Des Moines, IA Auto Insurance for Different Deductible
- How the Age of Driver Affects Insurance Rates in Des Moines, IA
- Multi Vehicle Insurance Savings in Des Moines, IA
- How Credit Score Affects Car Insurance Rates in Des Moines, IA
- How DUI Affects Auto Insurance Premiums in Des Moines, IA
- Top Auto Insurance Agents Near Des Moines, IA
- How Driving Violations Affect Auto Insurance Rates in Des Moines, IA
- Des Moines, IA Auto Insurance Discounts on Anti Theft Feature
- Des Moines, IA Auto Insurance Company Reviews
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
GeicoPolicies 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 InsurancePolicy 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 FarmI'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.
ProgressiveThe 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.
GeicoThis 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
GeicoOur 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 InsuranceI 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 FarmI AM TOTALLY SATISFIED.GOOD, RELIABLE COMPANY WITH EXCELLENT REPUTATION AND HAPPY CUSTOMERS WITH RATES ETC
GeicoI have no problems with them they take the best care of me and fullfill all my needs in every manner
AllstateThey 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 InsuranceThere customer support is very good and application and website is easily accessible.
Farmer's InsuranceI 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.