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Cheap Car Insurance in Des Moines, Iowa

Want to know more about Des Moines before shopping for cheap car insurance? Iowa’s capital and largest city, Des Moines, lies in the far eastern part of the state. Home to an estimated 209,200, Des Moines was built on – and is named after – the Des Moines River. Today, the city is a commercial center of the region and headquarters for a number of major insurance companies, hence its nickname, “Hartford of the West.” The city annually hosts the 10-day Iowa State Fair in August, drawing an estimated 1 million visitors.

Cheap Car Insurance is here to help you get the best car insurance to fit your needs in Des Moines. We will make sure to get you the best car insurance rates in town.

Driving Conditions in Des Moines

Interstate 235 cuts through Des Moines and is known to experience congestion during morning and evening rush hours. There are no toll roads, and some of the downtown streets are one-way only. Drivers are advised to pay careful attention to parking rules, which are strictly enforced.

Compared to average U.S. Cities commute of 25 minutes, Des Moines has a shorter one: Just over 19 minutes, according to Census Bureau data.

Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed and smartphone apps can be downloaded at

Unique Laws in Des Moines

If your conscience weren’t enough, Iowa law prevents you from using the handicapped parking placard or license plate of a deceased person. A strange but disputed law in Iowa suggests that one-armed pianists may not charge for their performances. The exact meaning of the law’s wording is unknown, and such musicians do exist and are paid for their work. Another odd Iowa law requires that ministers must obtain a permit to carry liquor over state lines.

Des Moines Crime Statistics

FBI crime data suggests Des Moines crime rates are higher than that of other cities its size. The research website Neighborhood Scout estimates your chance of getting your car stolen in Des Moines is one is 221.

The Des Moines-West Des Moines metro experienced 1,402 cases of auto theft in 2016, according to the National Insurance Crime Bureau, or a rate of 268 incidents per 100,000 people. This rate is up slightly from the prior year, and above the national average of 220 incidents per 100,000 people.

Des Moines Safety Requirements

A state law making texting while driving a primary offense was passed in 2017, meaning drivers who violate it can be pulled over for no other reason than texting behind the wheel. A hands-free cellphone law went into effect in 2014.

Drivers and front-seat passengers must buckle up, according to state law, along with any back seat passengers under 18. Driver and passengers can be cited separately for seat belt offenses. Children under 1 year old or 20 pounds must ride in a rear-facing seat, and children under 6 must ride in a safety seat or booster.

Des Moines Impaired Driving Laws

Like other states, the legal blood or breath alcohol level in Iowa is .08 for drivers 21 and over. For minors, the legal limit is .02. In Iowa, the driving under the influence charge is known as an OWI, or operating while intoxicated. First-time offenders can get 2 days to a year in jail, fines and a 180-day license suspension.

Alcohol education programs also will be likely required, with potential for mandatory attendance at driver safety programs.

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Swapping your high heels for a pair of driving shoes can help you qualify for cheap car insurance by avoiding accidents and getting "safer driver" discounts.

It is easier to get cheap car insurance with a car that has high safety rating than one without one.

When you are looking for cheap car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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