- Average car insurance cost in Des Moines is $1,380 per year, or about $115 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 $1,416 per year, Acura Integra at $1,224 per year, Nissan Titan at $1,290 per year, and Subaru Crosstrek at $1,018 per year.
What is average car insurance cost in Des Moines?
Average car insurance rates in Des Moines cost $1,380 per year, or approximately $115 per month. When compared to the U.S. overall average rate, Des Moines car insurance cost is 30.8% cheaper per year.
In the state of Iowa, average auto insurance cost is $1,330 per year, so the cost in Des Moines averages $50 more per year. When prices are compared to other larger cities in Iowa, the cost of car insurance in Des Moines is approximately $36 per year more expensive than in Cedar Rapids, $16 per year less than in Davenport, and $38 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 – $4,911 per year or $409 per month
- 17-year-old rated driver – $4,757 per year or $396 per month
- 18-year-old rated driver – $4,264 per year or $355 per month
- 19-year-old rated driver – $3,883 per year or $324 per month
- 20-year-old rated driver – $2,772 per year or $231 per month
- 30-year-old rated driver – $1,470 per year or $123 per month
- 40-year-old rated driver – $1,380 per year or $115 per month
- 50-year-old rated driver – $1,220 per year or $102 per month
- 60-year-old rated driver – $1,142 per year or $95 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 $966 per year for a 60-year-old driver with a policy with high deductibles to $3,222 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 $81 to $269 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 $1,392 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 $740 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 $599 to $328 less per year than males of the same age.
- Monthly car insurance cost ranges from $95 to $409 – 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 – $1,380 (Des Moines average) compared to $1,883 (U.S. average)
- Des Moines car insurance prices are more expensive than the Iowa state average – $1,380 (Des Moines average) versus $1,330 (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 $1,120 or less per year ($93 per month) for full coverage.
Examples of other vehicles that rank towards the top in our cost comparison are the Volkswagen Taos, Acura RDX, Subaru Outback, 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 $1,180 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 | $1,018 | $85 |
| 2 | Chevrolet Trailblazer | $1,036 | $86 |
| 3 | Kia Soul | $1,074 | $90 |
| 4 | Nissan Kicks | $1,084 | $90 |
| 5 | Honda Passport | $1,098 | $92 |
| 6 | Buick Envision | $1,106 | $92 |
| 7 | Toyota Corolla Cross | $1,112 | $93 |
| 8 | Hyundai Venue | $1,120 | $93 |
| 9 | Mazda CX-5 | $1,126 | $94 |
| 10 | Ford Bronco Sport | $1,128 | $94 |
| 11 | Volkswagen Tiguan | $1,142 | $95 |
| 12 | Acura RDX | $1,152 | $96 |
| 13 | Nissan Murano | $1,158 | $97 |
| 14 | Buick Encore | $1,170 | $98 |
| 15 | Honda CR-V | $1,174 | $98 |
| 16 | Subaru Outback | $1,174 | $98 |
| 17 | Buick Envista | $1,178 | $98 |
| 18 | Chevrolet Colorado | $1,178 | $98 |
| 19 | Kia Niro | $1,180 | $98 |
| 20 | Volkswagen Taos | $1,180 | $98 |
| 21 | Subaru Ascent | $1,198 | $100 |
| 22 | Toyota GR Corolla | $1,198 | $100 |
| 23 | Honda HR-V | $1,200 | $100 |
| 24 | Nissan Leaf | $1,206 | $101 |
| 25 | Honda Civic | $1,218 | $102 |
| 26 | Lexus NX 250 | $1,220 | $102 |
| 27 | Acura Integra | $1,224 | $102 |
| 28 | Volkswagen Atlas | $1,224 | $102 |
| 29 | Volkswagen Atlas Cross Sport | $1,228 | $102 |
| 30 | Subaru Forester | $1,230 | $103 |
| 31 | GMC Terrain | $1,232 | $103 |
| 32 | Kia Seltos | $1,232 | $103 |
| 33 | Hyundai Kona | $1,240 | $103 |
| 34 | Nissan Rogue | $1,240 | $103 |
| 35 | Mazda CX-30 | $1,242 | $104 |
| 36 | Cadillac XT4 | $1,244 | $104 |
| 37 | Volkswagen ID4 | $1,248 | $104 |
| 38 | Ford Explorer | $1,250 | $104 |
| 39 | Toyota Highlander | $1,252 | $104 |
| 40 | Ford Escape | $1,258 | $105 |
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 February 23, 2024
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 $1,224 per year up to the BMW M340i costing $1,684 per year, a difference of $460 within that segment. Also, in the large luxury SUV segment, the average insurance cost ranges from the Infiniti QX80 costing $1,544 per year to the Mercedes-Benz G63 AMG at $2,964 per year, a difference of $1,420 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 $1,198 per year, the Nissan Leaf at $1,206 per year, and the Honda Civic at $1,218 per year.
Also ranking in the top 10 are cars like the Hyundai Ioniq 6, Kia K5, Toyota Prius, and Honda Accord, with average annual insurance rates of $1,336 per year or less.
Auto insurance in Des Moines for this segment for an average middle-age driver starts at around $100 per month, depending on where you live.
The cheapest compact car to insure in Des Moines is the Toyota GR Corolla at $1,198 per year. For midsize models, the Hyundai Ioniq 6 is cheapest to insure at $1,268 per year. And for large cars, the Chrysler 300 has the cheapest car insurance rates at $1,308 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 $100 per month and ending with the Mazda 3 at $119 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,198 | $100 |
| Nissan Leaf | Compact | $1,206 | $101 |
| Honda Civic | Compact | $1,218 | $102 |
| Nissan Sentra | Compact | $1,264 | $105 |
| Hyundai Ioniq 6 | Midsize | $1,268 | $106 |
| Subaru Impreza | Compact | $1,268 | $106 |
| Toyota Prius | Compact | $1,286 | $107 |
| Kia K5 | Midsize | $1,328 | $111 |
| Honda Accord | Midsize | $1,330 | $111 |
| Chevrolet Malibu | Midsize | $1,336 | $111 |
| Toyota Corolla | Compact | $1,344 | $112 |
| Kia Forte | Compact | $1,346 | $112 |
| Volkswagen Arteon | Midsize | $1,356 | $113 |
| Nissan Versa | Compact | $1,360 | $113 |
| Subaru Legacy | Midsize | $1,360 | $113 |
| Mitsubishi Mirage G4 | Compact | $1,392 | $116 |
| Toyota Crown | Midsize | $1,394 | $116 |
| Volkswagen Jetta | Compact | $1,394 | $116 |
| Hyundai Sonata | Midsize | $1,398 | $117 |
| Mazda 3 | Compact | $1,426 | $119 |
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 February 23, 2024
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 $1,018 per year, the Chevrolet Trailblazer at $1,036 per year, and the Kia Soul at $1,074 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 $1,128 per year or less.
Auto insurance in Des Moines for this segment for the average driver starts at an average of $85 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 $1,018 per year. For midsize models, the Honda Passport is cheapest to insure at $1,098 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe is most affordable to insure at $1,292 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 $1,018 per year ($85 per month) and ending with the Honda HR-V at $1,200 per year ($100 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,018 | $85 |
| Chevrolet Trailblazer | Compact | $1,036 | $86 |
| Kia Soul | Compact | $1,074 | $90 |
| Nissan Kicks | Compact | $1,084 | $90 |
| Honda Passport | Midsize | $1,098 | $92 |
| Buick Envision | Compact | $1,106 | $92 |
| Toyota Corolla Cross | Compact | $1,112 | $93 |
| Hyundai Venue | Compact | $1,120 | $93 |
| Mazda CX-5 | Compact | $1,126 | $94 |
| Ford Bronco Sport | Compact | $1,128 | $94 |
| Volkswagen Tiguan | Compact | $1,142 | $95 |
| Nissan Murano | Midsize | $1,158 | $97 |
| Buick Encore | Compact | $1,170 | $98 |
| Honda CR-V | Compact | $1,174 | $98 |
| Subaru Outback | Midsize | $1,174 | $98 |
| Buick Envista | Midsize | $1,178 | $98 |
| Kia Niro | Compact | $1,180 | $98 |
| Volkswagen Taos | Compact | $1,180 | $98 |
| Subaru Ascent | Midsize | $1,198 | $100 |
| Honda HR-V | Compact | $1,200 | $100 |
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 February 23, 2024
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 $1,274 per year, Toyota GR86 at $1,450 per year, Ford Mustang at $1,512 per year, and BMW Z4 at $1,522 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 $1,650 per year or less.
As a cost per month, car insurance in Des Moines on this segment for a good driver starts at around $106 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 $106 per month and ending with the Porsche Taycan at $195 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,274 | $106 |
| Toyota GR86 | Sports Car | $1,450 | $121 |
| Ford Mustang | Sports Car | $1,512 | $126 |
| BMW Z4 | Sports Car | $1,522 | $127 |
| Subaru WRX | Sports Car | $1,544 | $129 |
| Toyota GR Supra | Sports Car | $1,548 | $129 |
| BMW M2 | Sports Car | $1,594 | $133 |
| Nissan Z | Sports Car | $1,598 | $133 |
| Lexus RC F | Sports Car | $1,628 | $136 |
| Subaru BRZ | Sports Car | $1,650 | $138 |
| BMW M3 | Sports Car | $1,742 | $145 |
| Porsche 718 | Sports Car | $1,776 | $148 |
| Chevrolet Camaro | Sports Car | $1,792 | $149 |
| Chevrolet Corvette | Sports Car | $1,908 | $159 |
| Porsche 911 | Sports Car | $1,976 | $165 |
| BMW M4 | Sports Car | $2,058 | $172 |
| Lexus LC 500 | Sports Car | $2,068 | $172 |
| Jaguar F-Type | Sports Car | $2,174 | $181 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,280 | $190 |
| Porsche Taycan | Sports Car | $2,334 | $195 |
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 February 23, 2024
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 $1,178 per year, the Nissan Titan at $1,290 per year, and the Nissan Frontier at $1,304 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 $1,420 per year or less.
Auto insurance in Des Moines for this segment can cost as low as $98 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 | $1,178 | $98 |
| Nissan Titan | Full-size | $1,290 | $108 |
| Nissan Frontier | Midsize | $1,304 | $109 |
| Ford Ranger | Midsize | $1,318 | $110 |
| Ford Maverick | Midsize | $1,336 | $111 |
| Honda Ridgeline | Midsize | $1,368 | $114 |
| Hyundai Santa Cruz | Midsize | $1,390 | $116 |
| Toyota Tacoma | Midsize | $1,396 | $116 |
| GMC Sierra 2500 HD | Heavy Duty | $1,402 | $117 |
| GMC Canyon | Midsize | $1,420 | $118 |
| Jeep Gladiator | Midsize | $1,452 | $121 |
| GMC Sierra 3500 | Heavy Duty | $1,460 | $122 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,476 | $123 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,512 | $126 |
| Chevrolet Silverado | Full-size | $1,522 | $127 |
| GMC Sierra | Full-size | $1,522 | $127 |
| Nissan Titan XD | Heavy Duty | $1,526 | $127 |
| Ford F150 | Full-size | $1,544 | $129 |
| GMC Hummer EV Pickup | Full-size | $1,582 | $132 |
| Ram Truck | Full-size | $1,592 | $133 |
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 February 23, 2024
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 $1,224 per year, the BMW 330i at $1,404 per year, and the Mercedes-Benz CLA250 at $1,416 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 $1,448 per year or less.
Full-coverage insurance in this segment for an average middle-age driver will start around $102 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 $1,224 per year ($102 per month) and ending with the Audi S3 at $1,544 per year ($129 per month).
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,224 | $102 |
| BMW 330i | Compact | $1,404 | $117 |
| Mercedes-Benz CLA250 | Midsize | $1,416 | $118 |
| Lexus IS 300 | Midsize | $1,420 | $118 |
| Acura TLX | Compact | $1,424 | $119 |
| Cadillac CT4 | Compact | $1,438 | $120 |
| Lexus ES 350 | Midsize | $1,438 | $120 |
| Genesis G70 | Compact | $1,440 | $120 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,446 | $121 |
| Lexus IS 350 | Compact | $1,448 | $121 |
| Lexus RC 300 | Midsize | $1,448 | $121 |
| Jaguar XF | Midsize | $1,456 | $121 |
| Cadillac CT5 | Midsize | $1,486 | $124 |
| Lexus ES 250 | Midsize | $1,490 | $124 |
| Lexus RC 350 | Compact | $1,494 | $125 |
| BMW 330e | Compact | $1,498 | $125 |
| BMW 228i | Compact | $1,500 | $125 |
| BMW 230i | Compact | $1,510 | $126 |
| Lexus ES 300h | Midsize | $1,514 | $126 |
| Audi S3 | Compact | $1,544 | $129 |
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 February 23, 2024
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 $1,152 to $1,300 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 $1,330 per year or less.
Ranked in the bottom half of the top 20 cheapest luxury SUVs to insure, SUVs like the Lexus NX 350, Land Rover Evoque, Acura MDX, Lexus RX 350, Cadillac XT6, and Mercedes-Benz GLA35 AMG average between $1,330 and $1,382 per year for full-coverage insurance in Des Moines.
Auto insurance for this segment in Des Moines for a safe driver starts at around $96 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 | $1,152 | $96 |
| Lexus NX 250 | Compact | $1,220 | $102 |
| Cadillac XT4 | Compact | $1,244 | $104 |
| Jaguar E-Pace | Midsize | $1,288 | $107 |
| Cadillac XT5 | Midsize | $1,300 | $108 |
| Lexus NX 350h | Compact | $1,300 | $108 |
| Lincoln Corsair | Compact | $1,316 | $110 |
| Mercedes-Benz GLB 250 | Compact | $1,318 | $110 |
| Lexus UX 250h | Compact | $1,322 | $110 |
| Lexus NX 450h | Compact | $1,330 | $111 |
| Infiniti QX50 | Midsize | $1,340 | $112 |
| Mercedes-Benz GLA250 | Compact | $1,340 | $112 |
| Mercedes-Benz GLA35 AMG | Compact | $1,346 | $112 |
| Cadillac XT6 | Midsize | $1,350 | $113 |
| Infiniti QX60 | Midsize | $1,356 | $113 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,358 | $113 |
| Land Rover Evoque | Compact | $1,374 | $115 |
| Acura MDX | Midsize | $1,378 | $115 |
| Lexus RX 350 | Midsize | $1,378 | $115 |
| Lexus NX 350 | Compact | $1,382 | $115 |
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 February 23, 2024
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 $217 per year when compared to a slightly lower credit score between 670-739. Conversely, a below average credit score could cost around $251 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 $300 per year for a 40-year-old driver and $588 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 $806 less per year to insure in Des Moines than a Dodge Challenger. Lower performance vehicles cost less to insure.