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Get Cheap Car Insurance in Fairground, Des Moines, IA

We monitor insurance prices, helping the average driver in Fairground save up to 33.2% on car insurance.

 

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The Cheapest Minimum Coverage in Fairground

The chart below shows the cheapest car insurance company in Fairground for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.

 
Fairground Insurer Monthly Cost
State Farm $29
IMT Insurance $30
Auto-Owners Insurance $31
Farm Bureau $33

Savings for Every Kind of Fairground Driver

The table shows how much the average auto insurance customer in Fairground might save by following our recommendations.

Based on our extensive insurance data, we know the average Fairground driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $289 per year by choosing the right vehicle insurance company. Some Fairground residents are paying out over $1,321 extra every year for auto insurance in Fairground. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Fairground, Des Moines, IA Savings / Yr.
Drivers with good records
$289
Drivers with accidents
$402
Drivers with speeding tickets
$343
Drivers with a DUI conviction
$461
Young drivers
$1,208
Married drivers
$398
Drivers with bad credit
$609

Fairground Car Insurance vs. Des Moines

People living in Fairground pay an average of 5.76% more than the typical driver in the state. The average driver in Fairground can expect to pay about $518 per year, or $1,321 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Fairground for most people.

Car Insurance Prices by Fairground Neighborhood

Fairground, Des Moines, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Fairground?

The map shows insurance prices in and around Fairground, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $187 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,398 to a low of $1,211. Insurance prices tend to be higher for those living in the Northwest area, and lower for those with homes in the East parts of Fairground.

Pick the Best Car Insurance Company for You in Fairground

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Fairground insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Fairground

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $289 over the average Fairground car insurance company.

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We use the average good driver, paying $86 per month, as our baseline for pricing in Fairground. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Fairground drivers with accidents on their records

In Fairground getting into an accident will raise premiums an average 32% for a yearly cost of $1,933. That's $612 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $402 over the competition.

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The best car insurance company for Fairground drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $343 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Fairground, tickets raise premiums on new quotes about $344. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,665 per year.

The best auto insurance for Fairground drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $2,090 per year in auto insurance premiums, which was $769 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $461 less each year.

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The least expensive car insurance company for new and young drivers in Fairground

In Fairground, IMT Insurance costs young drivers $1,208 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Fairground. With an average cost of $3,635 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Fairground

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $89. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in Fairground.

State Farm gave the largest car insurance discounts to married couples, averaging $398 saved each year compared to an average Fairground couple's premiums.

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The cheapest car insurance in Fairground for drivers with bad credit

People with poor credit saved an average of $609 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $864 every year. Premiums for people with poor credit were about $2,185 in Fairground. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best Fairground car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Fairground, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Fairground.

Nationwide was the best company for customer service in Fairground according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Fairground, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Fairground. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Fairground

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 35% of Fairground residents who are renting, and don't plan to be in the neighborhood or city for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fairground driver can expect to pay about $81 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fairground, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.
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Auto Insurance Prices in and Around Fairground

What Influences the Cost of Car Insurance in Fairground?

On average, car insurance in Fairground is more expensive than the rest of the state. These high prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:

  • The average commute time in Fairground is 23 minutes, which is about the national average for a driver in the city.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 11 to 12 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Fairground are about average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C- according to CrimeGrade.org.
  • Fairground is a lightly populated area in the state. The neighborhood’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Fairground is $43 per month for minimum coverage and $110 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Neighborhoods

Neighborhoods with Similar Populations

* Who is the average Fairground driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Fairground with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.