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Des Moines

Des Moines, the capital of Iowa, has a population of 203,000 (580,000 in the greater metro area). The city is a hub for the U.S. insurance industry (considered the third-largest insurance center in the world), as well as the financial service and publishing sectors. Just this year, NBC ranked Des Moines as the “Wealthiest City in America” (link to see their criteria) due to its cost of living being 10% below average.

If you are one of the many people flocking to Des Moines, it is worth knowing that Iowa doesn’t require specific minimum insurance coverage in order to register a vehicle. However, if you are involved in an accident you must be able to show financial responsibility or risk having your license and registration privileges suspended or revoked, so keeping an active liability policy is highly recommended.

Here’s how to get one for cheap:

  • Get comparison quotes! No matter where you live, this is the most effective way to save money. You no longer need brokers to do your shopping for you (although they can still help). All you need is a computer and an email address! Start by submitting your zip code below.
  • Know what coverage you need. Maybe you only want liability to cover those you may hit. Or maybe you want to make sure your vehicle is covered for theft, as well as collision damage. Compare different coverage options to see how much you can get
  • Know your neighborhood. West Des Moines is going to have lower rates for some coverages than Downtown, and vice versa.