Home Insurance in Des Moines, IA
The average cost of homeowners insurance in Des Moines, Iowa is $1,691 per year in 2026. This compares to the state average of $1,900 per year.
Factors Affecting Home Insurance in Des Moines
Average: $195,000
high
8% of properties
0.89 (100 = national avg)
Home Insurance Coverage Comparison
| Coverage Tier | Dwelling Coverage | Personal Property | Liability | Est. Annual Cost |
|---|---|---|---|---|
| Basic (HO-1) | $156,000 | $78,000 | $100,000 | $1,268 |
| Standard (HO-3) | $195,000 | $97,500 | $300,000 | $1,691 |
| Premium (HO-5) | $243,750 | $146,250 | $500,000 | $2,282 |
Auto Insurance in Des Moines, IA
The average annual cost of auto insurance in Des Moines is $1,246, compared to the Iowa state average of $1,400.
Auto Insurance Coverage Comparison
| Coverage Level | Liability | Collision | Comprehensive | Est. Annual Cost |
|---|---|---|---|---|
| Liability Only | State Minimum | None | None | $685 |
| Full Coverage | 100/300/100 | $500 deductible | $500 deductible | $1,246 |
| Premium | 250/500/250 | $250 deductible | $250 deductible | $1,619 |
Health Insurance in Des Moines, IA
The average monthly health insurance premium in Des Moines is $521 per month. Costs vary significantly based on plan tier, age, tobacco use, and household size.
Health Insurance Plan Tiers
| Plan Tier | Avg Monthly Premium | Typical Deductible | Out-of-Pocket Max | Best For |
|---|---|---|---|---|
| Bronze | $375 | $7,000 | $9,100 | Healthy, low usage |
| Silver | $521 | $4,500 | $9,100 | Moderate usage |
| Gold | $651 | $1,650 | $8,700 | Regular medical needs |
| Platinum | $781 | $0 | $4,500 | High usage / families |
Life Insurance & Renters Insurance in Des Moines
💰 Life Insurance
Life insurance rates in Iowa are based on age, health, and coverage amount. A healthy 35-year-old can expect to pay around $22/mo for a 20-year term policy with $500,000 coverage.
🏢 Renters Insurance
Renters insurance in Des Moines covers personal belongings, liability, and additional living expenses. The state average is $/mo. Most policies include $30K–$50K in personal property coverage.
Insurance Cost Calculator for Des Moines
Estimate your total annual insurance costs based on your personal profile.
Frequently Asked Questions
Compare Insurance Quotes in Des Moines
Get personalized quotes from top insurers in Iowa. Compare rates in minutes.
Insurance Costs in Nearby Cities
Last updated: March 2026. Data sourced from state insurance departments, NAIC, and industry averages.