43% of Des Moines households own two cars , and nearly 80% of workers commute to work alone on average for 18 minutes. Iowa car owners pay $329 per year for minimum coverage and $1,231 annually for full coverage.
We compared coverages, discounts, and prices to determine which affordable car insurance company offers coverage in Des Moines. To help Des Moines residents make the right choice about their auto insurance, we also looked at complaint ratios and third-party ratings for customer service.
Des Moines’ best car insurance company
Bankrate considers the following auto insurance companies to be among the best in Des Moines. They offer affordable car insurance rates, great coverage, and good discounts. J.D. has third-party satisfaction ratings. The 2020 U.S. Auto Insurance Satisfaction Study by Power and the National Association of Insurance Commissioners’ (NAIC) complaint score scores were also taken into account. Each company’s financial stability score, which shows their ability to pay claims, was also considered.
Auto-Owners offers standard auto insurance as well as specialty policies for older cars and modified vehicles. Des Moines residents can tailor their car insurance with coverages such as collision coverage advantage, common Loss deductible and AutoOwners customized personal automobile plus package.
Auto-Owners in the Central region is ranked #1 in the Auto Insurance Satisfaction Study for customer satisfaction. It also ranks #3 in the J.D. The Power 2020 U.S. Auto Claims satisfaction Study. Customers of Auto-Owners can rest assured that claims will be paid promptly due to the superior financial strength rating. Auto-Owners’ NAIC complaint Index is another positive. It is just 0.89, lower than the average 1.00.
Geico offers coverage in the area with annual rates that are lower than the Des Moines average rate. Geico has a calculator that will help you determine how much coverage you need.
It is no surprise that the Central region’s auto insurer ranks just below Auto-Owners. Geico’s claims satisfaction rating is just below average. Geico also has a higher than average NAIC complaint index. This suggests that although rates are affordable, claims processing can be difficult.
Progressive provides a variety of auto insurance coverages to Des Moines drivers. This allows them to customize their car insurance according to their needs. Additional coverages include rideshare coverage, gap insurance, custom parts, and equipment. Progressive’s name your price tool is a great way to find affordable coverage for a budget.
Progressive is ranked fourth by Central customers in the Auto Insurance Satisfaction Study. Progressive’s score in auto claims satisfaction is below average. It has a complaint Index with the NAIC very close to Geico’s 1.70. The company’s financial strength is strong enough to pay claims.
USAA offers auto insurance to military personnel, spouses, and their children. USAA is the lowest-priced cheap carrier. It offers state minimum coverage at the lowest average rate, and full coverage at the second-cheapest. USAA provides unique savings for members who need car storage, and also extends loyalty and family discounts.
The J.D. The J.D. Power study shows that USAA holds the highest points, but it does not meet the criteria to be ranked due to membership limitations. USAA has the highest possible ratings in financial strength to cover claims. However, USAA is ranked last with a 1.89 NAIC complaint Index when compared to other similar-sized auto insurance companies.
West Bend Insurance offers affordable car insurance in Iowa and a few other states. West Bend Insurance offers affordable car insurance in Des Moines. It has the lowest average rates for full and state coverage. The Highway and Home policy covers all of your vehicle, including auto, home, boat and RV insurance. This option is ideal for people who want to keep all of their insurance with one company.
West Bend, a small insurance company, is not included in J.D. Power 2020 auto studies. West Bend, a mutual insurance company that is owned by policyholders, offers a wide range of insurance products. It has been in existence since 1894 and has superior financial strength. West Bend has a lower than average NAIC complaint index, at 0.27. This demonstrates its commitment to providing an exceptional claims experience.
Des Moines has the lowest car insurance
Iowa drivers pay an average of $1,260 per year less for car insurance coverage than the national average cost. Iowa drivers average $1,260 annually for full coverage. The national average is $1.674.
Below is a table that shows the lowest car insurance prices in Des Moines, Iowa for the top carriers with the highest market share. USAA offers the lowest annual rates, but it is only available to military personnel. Geico and Auto-Owners offer the best state minimum coverage options. The best rates for full coverage in Des Moines are offered by State Farm and Geico.
There are many ways to file claims online, by phone, or via an app. You can pay your bills online, review your policies and make changes online. Most popular auto insurance companies offer standard coverages, but also have options and discounts to customize a policy that suits your needs.
Des Moines insurance requirements
Des Moines drivers must have minimum coverage:
- $20,000 per person to treat bodily injuries
- $40,000 per accident to treat bodily injury
- $15,000 per accident in property damage
The Iowa minimum coverages may not be sufficient to cover all costs associated with an accident involving injuries or property damage. Insurance experts recommend that you purchase as much liability insurance to protect your finances in the event of an accident. For lenders to finance leased cars, they may require higher coverage and greater liability limits in order to meet their loan requirements.
Des Moines car insurance discounts
Discounts can be applied to your policy to obtain cheap car insurance rates from the best Des Moines companies. These are the top three ways to reduce your auto insurance costs.
- Defensive driving: Senior drivers over 55 years old can take a state-approved defensive driving course to receive a possible discount on their car insurance.
- Good student: Full-time students who are under 25 years old can lower their car insurance costs by maintaining a good GPA.
- Multi-policy insurance: Bundling discounts can be earned by insuring your home, car and other insurance needs through the same company.
- Usage-based: If you permit the company to monitor your driving habits, it can save you a lot of money.
Questions frequently asked
Which is the best auto insurance company?
The best Des Moines car insurance company will offer you the coverages and discounts you require. Comparing quotes from different carriers will help you to find the most affordable car insurance.
What is the cost of Des Moines car insurance?
Des Moines auto insurance costs vary depending on coverages, discounts and vehicle type. Personal details such as driving record and zip code can also impact the cost.