📍Des Moines, IA

Find Insurance Agents in Des Moines, IA

Des Moines has 42 insurance agents averaging 4.5 stars across 4,331 reviews. The most popular services are auto (20 agents), home (20 agents), life (20 agents).

42
Licensed Agents
4.5/5
Avg. Rating
11 yrs
Avg. Experience
7
Service Types

Insurance in Des Moines, Iowa

Key insurance factors and local considerations for Des Moines residents.

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Auto Insurance in Des Moines

Iowa drivers pay an average of $1,683/yr for auto insurance — 26% below the national average of $2,264. With rural road hazards and deer collisions very common, comprehensive coverage is especially important. Iowa is an at-fault state with minimum liability of 20/40/15.

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Home Insurance in Des Moines

Homeowners in Iowa pay $2,319/yr on average — 10% below the national average.

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Life Insurance in Des Moines

With a median household income of $52,896, Des Moines residents have diverse life insurance needs. Approximately 55% of Iowa households carry life insurance.

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Renters Insurance in Des Moines

Many Des Moines residents rent. Renters insurance averages $170/yr in Iowa, protecting personal property and beyond.

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Final Expense Insurance in Des Moines

With a growing senior community and regional funeral costs averaging $7,800, final expense insurance helps Des Moines families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Des Moines

Many Des Moines households own pets. With average vet visit costs of $55 in Iowa, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Des Moines

Iowa has a 5% uninsured rate. Residents can find plans through the federal marketplace at healthcare.gov. Open enrollment runs November through January.

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📊Local Data

Des Moines, IA Insurance by the Numbers

Key insurance, driving, and demographic statistics for Des Moines and Iowa to help you make informed coverage decisions.

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212,031
City Population
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86,543
Households
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2,379,791
Licensed Drivers in IA
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$52,896
Median Household Income
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Auto Insurance

$1,683/yr
Avg. auto premium in IA
11.3%
Uninsured motorist rate
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Home Insurance

$2,319/yr
Avg. homeowners premium in IA
$193/mo
Monthly cost estimate
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Renters Insurance

$170/yr
Avg. renters premium in IA
$14/mo
Monthly cost estimate
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Motorcycle Insurance

$365/yr
Avg. motorcycle premium in IA
None
Helmet law requirement
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Health Insurance

5%
Uninsured rate in IA
Partnership
ACA Marketplace type
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Life Insurance

55%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

280,000
Small businesses in IA
Required
Workers' comp status
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Final Expense

17.5%
Population age 65+
$7,800
Avg. funeral cost
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Pet Insurance

70%
Pet ownership rate
$55
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Des Moines, IA

What types of insurance can I find in Des Moines, IA?
Insurance agents in Des Moines offer auto insurance, home insurance, life insurance, renters insurance, final expense insurance, health insurance, and pet insurance. With 42 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Des Moines?
Des Moines has 42 licensed insurance agents with an average rating of 4.5 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
How much does car insurance cost in Des Moines, IA?
The average car insurance premium in Iowa is $1,683 per year, which is below the national average of $2,264. Your actual rate in Des Moines depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Des Moines agents is the best way to find your lowest rate.
Do I need flood insurance in Des Moines?
Des Moines faces weather risks that include tornadoes, severe thunderstorms, flooding, making flood insurance an important consideration. Standard homeowners policies do not cover flood damage, so a separate flood policy through the NFIP or a private insurer is necessary if your property is in or near a flood-prone area. A local Des Moines agent can help you assess your specific risk.
How much does renters insurance cost in Des Moines?
Renters insurance in Iowa averages about $170 per year, or roughly $14 per month. That's below the national average of $189 per year. Your actual cost in Des Moines depends on your coverage limits, deductible, and any bundled discounts with other policies.

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