Compare average insurance rates in Des Moines for 2026
🏠
Home
$1691
/year
🚗
Auto
$1246
/year
🏥
Health
$521
/month
💰
Life
$22
/month
🏢
Renters
$13
/month
💡 Are you overpaying? Most Des Moines residents pay 15-30% more than they should.
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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.
$1,691per year (avg in Des Moines)
$1068IA avg: $1,900$2403
Factors Affecting Home Insurance in Des Moines
🏠
Home Value Average: $195,000
🌪
Weather Risk high
🌊
Flood Zone 8% of properties
📈
Cost Index 0.89 (100 = national avg)
🌪️
Tornado Alley: Des Moines is located in tornado-prone territory. Make sure your policy covers windstorm and tornado damage adequately.
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.
$1,246per year (avg in Des Moines)
$801IA avg: $1,400$1780
📋
Minimum Coverage in Iowa: 20/40/15
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.
$521per month (avg individual plan)
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
$22
per month (20-year term, $500K)
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
$13
per month (avg in Des Moines)
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.
The average home insurance cost in Des Moines, IA is $1,691 per year for a standard HO-3 policy. Rates range from $1,068 to $2,403 depending on your home value, coverage level, deductible, and specific risk factors.
The average auto insurance premium in Des Moines is $1,246 per year for full coverage. Liability-only coverage averages around $561 per year. Iowa requires minimum coverage of 20/40/15.
Insurance costs in Des Moines are below the national average (cost index: 0.89). Home insurance averages $1,691/yr and auto insurance $1,246/yr. Relatively moderate costs reflect the area's manageable risk profile.
Key factors include: local cost of living (index: 0.89), tornado risk, average home values ($195,000), your personal claims history, credit score, and at-fault insurance laws in Iowa.
Top strategies: bundle home and auto (save 10-25%), raise deductibles, maintain good credit, compare quotes from 3+ insurers annually, and ask about available discounts. Des Moines residents can potentially save $587+ per year.
Iowa requires minimum auto liability coverage of 20/40/15 (bodily injury per person / per accident / property damage in thousands). This is the legal minimum, but most experts recommend higher limits for adequate protection.
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