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Get Cheap Car Insurance in Fort des Moines, Des Moines, IA
We monitor insurance prices, helping the average driver in Fort des Moines save up to 33.2% on car insurance.
The Cheapest Minimum Coverage in Fort des Moines
The chart below shows the cheapest car insurance company in Fort des Moines 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.
| Fort des Moines Insurer | Monthly Cost |
|---|---|
| State Farm | $29 |
| IMT Insurance | $30 |
| Auto-Owners Insurance | $32 |
| Farm Bureau | $33 |
Savings for Every Kind of Fort des Moines Driver
Based on our extensive insurance data, we know the average Fort des Moines 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 $291 per year by choosing the right vehicle insurance company. Some Fort des Moines residents are paying out over $1,330 extra every year for auto insurance in Fort des Moines. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fort des Moines, Des Moines, IA Savings / Yr. |
|---|---|
$291 |
|
$405 |
|
$345 |
|
$464 |
|
$1,216 |
|
$400 |
|
$613 |
Fort des Moines Car Insurance vs. Des Moines
People living in Fort des Moines pay an average of 6.48% more than the typical driver in the state. The average driver in Fort des Moines can expect to pay about $522 per year, or $1,330 for full coverage.
Based on our analysis, State Farm will be the cheapest provider in Fort des Moines for most people.
Car Insurance Prices by Fort des Moines Neighborhood
Insurance Prices
Where is insurance cheapest within Fort des Moines?
The map shows insurance prices in and around Fort des Moines, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $245 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,448 to a low of $1,203. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the West parts of Fort des Moines.Pick the Best Car Insurance Company for You in Fort des Moines
The best car insurance provider for most drivers in Fort des Moines
For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $291 over the average Fort des Moines car insurance company.
The best car insurance provider for Fort des Moines drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $405 over the competition.
The best car insurance company for Fort des Moines drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $345 better than other car insurance companies.
The best auto insurance for Fort des Moines drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $464 less each year.
The least expensive car insurance company for new and young drivers in Fort des Moines
In Fort des Moines, IMT Insurance costs young drivers $1,216 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fort des Moines
State Farm gave the largest car insurance discounts to married couples, averaging $400 saved each year compared to an average Fort des Moines couple's premiums.
The cheapest car insurance in Fort des Moines for drivers with bad credit
The best Fort des Moines car insurance company for customer service
Nationwide was the best company for customer service in Fort des Moines according to the NAIC.
Recent price drops
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The cheapest large national provider in Fort des Moines
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fort des Moines driver can expect to pay about $81 per month.
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 Fort des Moines, 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.Auto Insurance Prices in and Around Fort des Moines
What Influences the Cost of Car Insurance in Fort des Moines?
On average, car insurance in Fort des Moines 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 Fort des Moines is 25 minutes, which is far more than average for a driver in the city.
- Iowa state insurance regulations may allow for lower prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fort des Moines are about average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
- Fort des Moines 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 Fort des Moines is $43 per month for minimum coverage and $111 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
- Greater South Side: Insurance costs 6.54% less
- South Park: Insurance costs 5.19% more
- Indianola Hills: Insurance costs 1.43% less
- Pioneer Park: Insurance costs 3.53% more
- Bloomfield-Allen: Insurance costs 5.71% less
- Southwestern Hills: Insurance costs 6.99% less
- Downtown Des Moines: Insurance costs 1.28% more
- Capitol Park: Insurance costs 2.63% more
- Fairground: Insurance costs 0.68% less
- River Bend: Insurance costs 13.68% more
Neighborhoods with Similar Populations
- Houston Farms: Insurance costs 46.54% more
- Stonehaven: Insurance costs 2.93% less
- Stanford: Insurance costs 57.82% more
- Southwest Garden: Insurance costs 52.33% more
- Southeast: Insurance costs 16.69% more
- South Valley: Insurance costs 86.54% more
- Abilene Heights Area: Insurance costs 20.15% more
- Keeling: Insurance costs 40.45% more
- Kearny Mesa: Insurance costs 39.25% more
- Juneau Town: Insurance costs 13.98% less