- Average car insurance cost in Des Moines is $1,988 per year, or about $166 per month, for a full-coverage policy.
- For cheap car insurance in Des Moines, small crossovers like the Subaru Crosstrek, Nissan Kicks, and Hyundai Venue have the most affordable rates.
- Vehicles with segment-leading car insurance rates include the Mercedes-Benz CLA250 at $2,046 per year, Acura Integra at $1,770 per year, Nissan Titan at $1,860 per year, and Subaru Crosstrek at $1,468 per year.
What is average car insurance cost in Des Moines?
Average car insurance rates in Des Moines cost $1,988 per year, or approximately $166 per month. When compared to the U.S. overall average rate, Des Moines car insurance cost is 13.5% cheaper per year.
In the state of Iowa, average auto insurance cost is $1,942 per year, so the cost in Des Moines averages $46 more per year. When prices are compared to other larger cities in Iowa, the cost of car insurance in Des Moines is approximately $32 per year more expensive than in Cedar Rapids, $16 per year less than in Davenport, and $40 per year cheaper than in Sioux City.
The age of the driver is the factor that has the most impact on the price you pay for auto insurance. The list below illustrates this point by showing average car insurance rates in Des Moines for different driver ages.
Average car insurance cost for Des Moines drivers age 16 to 60
- 16-year-old rated driver – $7,082 per year or $590 per month
- 17-year-old rated driver – $6,861 per year or $572 per month
- 18-year-old rated driver – $6,149 per year or $512 per month
- 19-year-old rated driver – $5,600 per year or $467 per month
- 20-year-old rated driver – $4,004 per year or $334 per month
- 30-year-old rated driver – $2,124 per year or $177 per month
- 40-year-old rated driver – $1,988 per year or $166 per month
- 50-year-old rated driver – $1,764 per year or $147 per month
- 60-year-old rated driver – $1,652 per year or $138 per month
The chart below shows average car insurance cost in Des Moines for all 2024 models. Rates are averaged for all Des Moines Zip Codes and shown not only by driver age, but also by policy deductible amounts.
In the chart above, the cost of car insurance in Des Moines ranges from $1,396 per year for a 60-year-old driver with a policy with high deductibles to $4,654 per year for a 20-year-old driver with low physical damage deductibles. When converted to a monthly rate, the average cost in the prior chart ranges from $116 to $388 per month.
Des Moines car insurance rates can cost significantly different amounts and minor changes in a driver’s risk profile can have substantial effects on car insurance cost. Due to the fact that rates are so variable, this emphasizes the need to get accurate auto insurance quotes when shopping for cheaper car insurance in Des Moines.
The most popular vehicle models in Des Moines tend to be compact and midsize sedans like the Honda Civic and Honda Accord and compact or midsize SUVs like the Chevy Equinox, Ford Escape, and Jeep Grand Cherokee.
A few additional popular models from different automotive segments include luxury models like the Tesla Model S and Acura MDX, pickup trucks like the Toyota Tacoma and Ford F-150, and sports cars like the Ford Mustang and Audi TT.
We cover rates for lots more vehicles later on in this article, but before we get into that data, let’s revisit some of the general concepts that we covered in the earlier charts and data.
- Car insurance costs less as you get older – Auto insurance rates for a 40-year-old driver in Des Moines are $2,016 per year cheaper than for a 20-year-old driver.
- Car insurance with low deductibles costs more – A 20-year-old driver pays an average of $1,068 more per year for $250 physical damage deductibles versus $1,000.
- Teenage female drivers pay less than teenage males – Teenage female drivers age 16 to 19 pay $866 to $464 less per year than males of the same age.
- Monthly car insurance cost ranges from $138 to $590 – That’s the average car insurance price range for insured drivers age 16 to 60 in Des Moines.
- Des Moines average car insurance cost is less than the U.S. average – $1,988 (Des Moines average) compared to $2,276 (U.S. average)
- Des Moines car insurance prices are more expensive than the Iowa state average – $1,988 (Des Moines average) versus $1,942 (Iowa average)
What are the cheapest vehicles to insure in Des Moines?
The models with the cheapest auto insurance prices in Des Moines, IA, tend to be compact SUVs and crossovers like the Chevrolet Trailblazer, Subaru Crosstrek, Hyundai Venue, and Nissan Kicks.
Average car insurance quotes for those small SUVs cost $1,616 or less per year ($135 per month) for full coverage.
Examples of other vehicles that rank towards the top in our cost comparison are the Kia Niro, Acura RDX, Honda CR-V, and Nissan Murano.
The average insurance cost is marginally higher for those models than the crossovers and compact SUVs that rank at the top, but they still have an average insurance cost of $1,726 or less per year in Des Moines.
The table below details the 40 models with the cheapest car insurance in Des Moines, ordered starting with the cheapest.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,468 | $122 |
| 2 | Chevrolet Trailblazer | $1,494 | $125 |
| 3 | Kia Soul | $1,554 | $130 |
| 4 | Nissan Kicks | $1,566 | $131 |
| 5 | Honda Passport | $1,586 | $132 |
| 6 | Buick Envision | $1,592 | $133 |
| 7 | Toyota Corolla Cross | $1,604 | $134 |
| 8 | Hyundai Venue | $1,616 | $135 |
| 9 | Mazda CX-5 | $1,622 | $135 |
| 10 | Ford Bronco Sport | $1,630 | $136 |
| 11 | Volkswagen Tiguan | $1,644 | $137 |
| 12 | Acura RDX | $1,662 | $139 |
| 13 | Nissan Murano | $1,672 | $139 |
| 14 | Buick Encore | $1,690 | $141 |
| 15 | Subaru Outback | $1,694 | $141 |
| 16 | Honda CR-V | $1,696 | $141 |
| 17 | Buick Envista | $1,698 | $142 |
| 18 | Volkswagen Taos | $1,702 | $142 |
| 19 | Kia Niro | $1,714 | $143 |
| 20 | Toyota GR Corolla | $1,726 | $144 |
| 21 | Honda HR-V | $1,730 | $144 |
| 22 | Subaru Ascent | $1,734 | $145 |
| 23 | Nissan Leaf | $1,742 | $145 |
| 24 | Chevrolet Colorado | $1,752 | $146 |
| 25 | Lexus NX 250 | $1,760 | $147 |
| 26 | Honda Civic | $1,762 | $147 |
| 27 | Volkswagen Atlas | $1,762 | $147 |
| 28 | Acura Integra | $1,770 | $148 |
| 29 | Subaru Forester | $1,770 | $148 |
| 30 | Volkswagen Atlas Cross Sport | $1,772 | $148 |
| 31 | Kia Seltos | $1,776 | $148 |
| 32 | GMC Terrain | $1,782 | $149 |
| 33 | Nissan Rogue | $1,786 | $149 |
| 34 | Hyundai Kona | $1,788 | $149 |
| 35 | Mazda CX-30 | $1,792 | $149 |
| 36 | Cadillac XT4 | $1,796 | $150 |
| 37 | Ford Explorer | $1,804 | $150 |
| 38 | Volkswagen ID4 | $1,804 | $150 |
| 39 | Toyota Highlander | $1,812 | $151 |
| 40 | Ford Escape | $1,814 | $151 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
A list of 40 vehicles with the cheapest insurance in Des Moines is not the best way to show a comprehensive summary of the cost of auto insurance. Considering we track over 700 makes and models of vehicles, less than 6% of total vehicles are shown. So let’s rethink this and break out the cheapest models a different way:.
The next section of this article goes into the average cost of car insurance in Des Moines for each different automotive segment. The rates shown in the chart should provide a decent understanding of which types of vehicles have the overall least expensive average auto insurance rates. If you read beyond the chart, the next six sections show the cheapest insurance rates for specific models for the most popular segments.
Des Moines auto insurance rates by vehicle segment
If you’re shopping around for a different vehicle, it’s very useful to know which styles of vehicles have cheaper car insurance rates in Des Moines. For instance, many people wonder if minivans have cheaper auto insurance than SUVs or if midsize pickups have cheaper insurance than full-size pickups.
The next chart shows average car insurance cost by vehicle segment in Des Moines. As a general rule, compact SUVs, midsize trucks, and minivans tend to have the cheapest rates, while sports cars and performance luxury models have the most expensive average insurance cost.
Car insurance rates by segment are accurate enough for making a general comparison, but cost ranges significantly within each segment shown in the previous chart.
For example, in the small luxury car segment, average Des Moines auto insurance rates range from the Acura Integra costing $1,770 per year up to the BMW M340i costing $2,428 per year, a difference of $658 within that segment. Also, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $2,232 per year to the Mercedes-Benz G63 AMG at $4,274 per year, a difference of $2,042 within that segment.
In the upcoming sections, we remove some of this variability by looking at car insurance cost in Des Moines for individual models.
Cheapest car insurance rates in Des Moines
The most affordable cars to insure in Des Moines are the Toyota GR Corolla at $1,726 per year, the Nissan Leaf at $1,742 per year, and the Honda Civic at $1,762 per year.
Also ranking in the top 10 are cars like the Toyota Prius, Honda Accord, Kia K5, and Chevrolet Malibu, with average annual insurance rates of $1,938 per year or less.
Auto insurance in Des Moines for this segment for an average middle-age driver starts at around $144 per month, depending on where you live.
The cheapest compact car to insure in Des Moines is the Toyota GR Corolla at $1,726 per year. For midsize models, the Kia K5 is cheapest to insure at $1,914 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,896 per year.
The next table ranks the twenty cars with the cheapest car insurance rates in Des Moines, starting with the Toyota GR Corolla at $144 per month and ending with the Mazda 3 at $171 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,726 | $144 |
| Nissan Leaf | Compact | $1,742 | $145 |
| Honda Civic | Compact | $1,762 | $147 |
| Nissan Sentra | Compact | $1,826 | $152 |
| Subaru Impreza | Compact | $1,826 | $152 |
| Toyota Prius | Compact | $1,860 | $155 |
| Kia K5 | Midsize | $1,914 | $160 |
| Honda Accord | Midsize | $1,922 | $160 |
| Chevrolet Malibu | Midsize | $1,930 | $161 |
| Toyota Corolla | Compact | $1,938 | $162 |
| Kia Forte | Compact | $1,944 | $162 |
| Volkswagen Arteon | Midsize | $1,954 | $163 |
| Nissan Versa | Compact | $1,960 | $163 |
| Subaru Legacy | Midsize | $1,962 | $164 |
| Hyundai Ioniq 6 | Midsize | $1,978 | $165 |
| Mitsubishi Mirage G4 | Compact | $2,008 | $167 |
| Toyota Crown | Midsize | $2,014 | $168 |
| Volkswagen Jetta | Compact | $2,014 | $168 |
| Hyundai Sonata | Midsize | $2,016 | $168 |
| Mazda 3 | Compact | $2,056 | $171 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.
Looking for a different vehicle? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Des Moines car insurance quotes from top companies in Iowa.
Cheapest SUV insurance rates in Des Moines
The three highest ranking non-luxury SUVs with the cheapest car insurance in Des Moines are the Subaru Crosstrek at $1,468 per year, the Chevrolet Trailblazer at $1,494 per year, and the Kia Soul at $1,554 per year.
Some other SUVs that are affordable to insure include the Ford Bronco Sport, Toyota Corolla Cross, Mazda CX-5, and Hyundai Venue, with an average car insurance cost of $1,630 per year or less.
Auto insurance in Des Moines for this segment for the average driver starts at an average of $122 per month, depending on your company and location.
The most budget-friendly non-luxury compact SUV to insure in Des Moines is the Subaru Crosstrek at $1,468 per year. For midsize models, the Honda Passport is cheapest to insure at $1,586 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,868 per year.
The rate comparison table below ranks the SUVs with the cheapest average car insurance rates in Des Moines, starting with the Subaru Crosstrek at $1,468 per year ($122 per month) and ending with the Subaru Ascent at $1,734 per year ($145 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,468 | $122 |
| Chevrolet Trailblazer | Compact | $1,494 | $125 |
| Kia Soul | Compact | $1,554 | $130 |
| Nissan Kicks | Compact | $1,566 | $131 |
| Honda Passport | Midsize | $1,586 | $132 |
| Buick Envision | Compact | $1,592 | $133 |
| Toyota Corolla Cross | Compact | $1,604 | $134 |
| Hyundai Venue | Compact | $1,616 | $135 |
| Mazda CX-5 | Compact | $1,622 | $135 |
| Ford Bronco Sport | Compact | $1,630 | $136 |
| Volkswagen Tiguan | Compact | $1,644 | $137 |
| Nissan Murano | Midsize | $1,672 | $139 |
| Buick Encore | Compact | $1,690 | $141 |
| Subaru Outback | Midsize | $1,694 | $141 |
| Honda CR-V | Compact | $1,696 | $141 |
| Buick Envista | Midsize | $1,698 | $142 |
| Volkswagen Taos | Compact | $1,702 | $142 |
| Kia Niro | Compact | $1,714 | $143 |
| Honda HR-V | Compact | $1,730 | $144 |
| Subaru Ascent | Midsize | $1,734 | $145 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Don’t see your SUV in the table above? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Iowa.
Cheapest sports cars to insure in Des Moines
The top four sports cars with the most affordable average auto insurance rates in Des Moines are the Mazda MX-5 Miata at $1,842 per year, Toyota GR86 at $2,096 per year, Ford Mustang at $2,186 per year, and BMW Z4 at $2,196 per year.
Other cars that rank well in our comparison include the Toyota GR Supra, BMW M2, Lexus RC F, and Subaru BRZ, with average rates of $2,378 per year or less.
As a cost per month, car insurance in Des Moines on this segment for a good driver starts at around $154 per month, depending on the company and your location.
The next table ranks the sports cars with the cheapest auto insurance rates in Des Moines, starting with the Mazda MX-5 Miata at $154 per month and ending with the Porsche Taycan at $281 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,842 | $154 |
| Toyota GR86 | Sports Car | $2,096 | $175 |
| Ford Mustang | Sports Car | $2,186 | $182 |
| BMW Z4 | Sports Car | $2,196 | $183 |
| Subaru WRX | Sports Car | $2,230 | $186 |
| Toyota GR Supra | Sports Car | $2,232 | $186 |
| BMW M2 | Sports Car | $2,300 | $192 |
| Nissan Z | Sports Car | $2,304 | $192 |
| Lexus RC F | Sports Car | $2,350 | $196 |
| Subaru BRZ | Sports Car | $2,378 | $198 |
| BMW M3 | Sports Car | $2,512 | $209 |
| Porsche 718 | Sports Car | $2,560 | $213 |
| Chevrolet Camaro | Sports Car | $2,584 | $215 |
| Chevrolet Corvette | Sports Car | $2,756 | $230 |
| Porsche 911 | Sports Car | $2,848 | $237 |
| BMW M4 | Sports Car | $2,968 | $247 |
| Lexus LC 500 | Sports Car | $2,982 | $249 |
| Jaguar F-Type | Sports Car | $3,138 | $262 |
| Mercedes-Benz AMG GT53 | Sports Car | $3,292 | $274 |
| Porsche Taycan | Sports Car | $3,368 | $281 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
Don’t see rates for your sports car? Not a problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Des Moines.
Cheapest pickups to insure in Des Moines
The three top-ranked pickup trucks with the most affordable car insurance in Des Moines are the Chevrolet Colorado at $1,752 per year, the Nissan Titan at $1,860 per year, and the Nissan Frontier at $1,882 per year.
Rounding out the top 10 are pickups like the Toyota Tacoma, Honda Ridgeline, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with an average cost to insure of $2,044 per year or less.
Auto insurance in Des Moines for this segment can cost as low as $146 per month, depending on the company and where you live. The rate comparison table below ranks the pickups with the lowest-cost insurance rates in Des Moines.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,752 | $146 |
| Nissan Titan | Full-size | $1,860 | $155 |
| Nissan Frontier | Midsize | $1,882 | $157 |
| Ford Ranger | Midsize | $1,900 | $158 |
| Ford Maverick | Midsize | $1,928 | $161 |
| Honda Ridgeline | Midsize | $1,972 | $164 |
| Hyundai Santa Cruz | Midsize | $2,004 | $167 |
| Toyota Tacoma | Midsize | $2,016 | $168 |
| GMC Sierra 2500 HD | Heavy Duty | $2,022 | $169 |
| GMC Canyon | Midsize | $2,044 | $170 |
| Jeep Gladiator | Midsize | $2,096 | $175 |
| GMC Sierra 3500 | Heavy Duty | $2,106 | $176 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $2,126 | $177 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $2,182 | $182 |
| GMC Sierra | Full-size | $2,196 | $183 |
| Nissan Titan XD | Heavy Duty | $2,198 | $183 |
| Chevrolet Silverado | Full-size | $2,200 | $183 |
| Ford F150 | Full-size | $2,226 | $186 |
| GMC Hummer EV Pickup | Full-size | $2,280 | $190 |
| Ram Truck | Full-size | $2,298 | $192 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
See our guides for midsize pickup insurance and large pickup insurance to compare rates for all truck makes and models.
Don’t see rates for your pickup? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated auto insurance companies in Iowa.
Cheapest luxury car insurance rates in Des Moines
The lowest-cost luxury cars to insure in Des Moines are the Acura Integra at $1,770 per year, the BMW 330i at $2,026 per year, and the Mercedes-Benz CLA250 at $2,046 per year.
Additional models that rank well in our comparison include the Lexus ES 350, Lexus RC 300, Genesis G70, and Mercedes-Benz AMG CLA35, with average insurance cost of $2,090 per year or less.
Full-coverage insurance in this segment for an average middle-age driver will start around $148 per month, depending on the company. The next table ranks the twenty cars with the cheapest average car insurance rates in Des Moines, starting with the Acura Integra at $1,770 per year ($148 per month) and ending with the Audi S3 at $2,232 per year ($186 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,770 | $148 |
| BMW 330i | Compact | $2,026 | $169 |
| Mercedes-Benz CLA250 | Midsize | $2,046 | $171 |
| Lexus IS 300 | Midsize | $2,052 | $171 |
| Acura TLX | Compact | $2,058 | $172 |
| Cadillac CT4 | Compact | $2,078 | $173 |
| Lexus ES 350 | Midsize | $2,078 | $173 |
| Genesis G70 | Compact | $2,084 | $174 |
| Mercedes-Benz AMG CLA35 | Midsize | $2,088 | $174 |
| Lexus RC 300 | Midsize | $2,090 | $174 |
| Lexus IS 350 | Compact | $2,102 | $175 |
| Jaguar XF | Midsize | $2,104 | $175 |
| Cadillac CT5 | Midsize | $2,142 | $179 |
| Lexus ES 250 | Midsize | $2,154 | $180 |
| BMW 330e | Compact | $2,158 | $180 |
| Lexus RC 350 | Compact | $2,158 | $180 |
| BMW 228i | Compact | $2,162 | $180 |
| BMW 230i | Compact | $2,178 | $182 |
| Lexus ES 300h | Midsize | $2,182 | $182 |
| Audi S3 | Compact | $2,232 | $186 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
See our guide for luxury car insurance to compare rates for all makes and models.
Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Des Moines car insurance quotes from the best auto insurance companies in Iowa.
Cheapest luxury SUV insurance rates in Des Moines
For 2024 models, the five cheapest SUVs to insure in Des Moines are the Acura RDX, Lexus NX 250, Cadillac XT4, Jaguar E-Pace, and Cadillac XT5. Average insurance rates for for these models range from $1,662 to $1,878 per year.
Also ranking well are models like the Lincoln Corsair, Lexus UX 250h, Mercedes-Benz GLB 250, and Lexus NX 350h, with an average car insurance cost of $1,918 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, SUVs like the Lexus RX 350, Land Rover Evoque, Acura MDX, Lexus NX 350, Mercedes-Benz GLA35 AMG, and Cadillac XT6 average between $1,918 and $1,996 per year for full-coverage insurance in Des Moines.
Auto insurance for this segment in Des Moines for a safe driver starts at around $139 per month, depending on your company and location. The rate comparison table below ranks the luxury SUVs with the most affordable car insurance rates in Des Moines.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,662 | $139 |
| Lexus NX 250 | Compact | $1,760 | $147 |
| Cadillac XT4 | Compact | $1,796 | $150 |
| Jaguar E-Pace | Midsize | $1,858 | $155 |
| Cadillac XT5 | Midsize | $1,878 | $157 |
| Lexus NX 350h | Compact | $1,878 | $157 |
| Lincoln Corsair | Compact | $1,902 | $159 |
| Mercedes-Benz GLB 250 | Compact | $1,904 | $159 |
| Lexus UX 250h | Compact | $1,906 | $159 |
| Lexus NX 450h | Compact | $1,918 | $160 |
| Infiniti QX50 | Midsize | $1,932 | $161 |
| Mercedes-Benz GLA250 | Compact | $1,940 | $162 |
| Cadillac XT6 | Midsize | $1,944 | $162 |
| Mercedes-Benz GLA35 AMG | Compact | $1,946 | $162 |
| Infiniti QX60 | Midsize | $1,956 | $163 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,962 | $164 |
| Land Rover Evoque | Compact | $1,986 | $166 |
| Acura MDX | Midsize | $1,988 | $166 |
| Lexus NX 350 | Compact | $1,994 | $166 |
| Lexus RX 350 | Midsize | $1,996 | $166 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Des Moines, IA Zip Codes. Updated October 24, 2025
For all luxury SUV comparisons, see our complete guide for luxury SUV insurance.
Don’t see rates for your luxury SUV? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from top companies in Iowa.
Tips for cheaper Des Moines car insurance rates
Des Moines drivers are often looking to pay less for auto insurance So study the money-saving tips in this next list and it’s very likely you can save a few bucks when buying auto insurance.
- Compare rates before buying a car. Different models, and even different trim levels of the same model, can have significantly different car insurance premiums, and auto insurance companies can sell policies with widely varying rates. Get comparison quotes before you buy so you can avoid price shock when you receive your bill.
- Stay claim free and save. Most auto insurance companies give a discount if you have not filed any claims. Car insurance is intended to be used for large financial hits, not small claims.
- Clean up your credit for better rates. Drivers who maintain a credit score over 800 could save up to $312 per year when compared to a slightly lower credit score between 670-739. Conversely, a below average credit score could cost around $362 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Remove optional coverage on older vehicles. Deleting comprehensive and collision coverage from vehicles that are older will cut the cost of auto insurance substantially.
- Shop around for a better deal. Taking the time to get free car insurance quotes is a great way to save money. Rates change often and switching to a different company is very easy to do.
- Increase physical damage deductibles to save money. Increasing deductibles from $500 to $1,000 could save around $382 per year for a 40-year-old driver and $742 per year for a 20-year-old driver.
- Buy vehicles with more affordable auto insurance rates. Vehicle type is an important factor in the cost of car insurance in Des Moines. As an example, a Subaru Impreza costs $1,168 less per year to insure in Des Moines than a Dodge Challenger. Lower performance vehicles cost less to insure.