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Best Local Car Insurance Agencies in Des Moines, IA

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Des Moines local car insurance agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

121Reviewed

76Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

514 E Euclid Ave, Des Moines, IA 50313
WebsiteLicense: 6842757

Expertise.com Rating

Review Sources

Google
4.6 (143)
Facebook
5.0 (51)

Why choose this provider?

The Insurance Specialists Inc. is a team of agents that serves individuals and businesses in Des Moines. They assist clients in several areas, including car insurance. The professionals furnish auto insurance plans that provide financial assistance during accidents. They have established partnerships with insurance providers such as Dairyland in order to provide car owners with policies tailored to their needs. The Insurance Specialists also specializes in SR-22 insurance and renters The business has been in operation since 1991.

  • Business Insurance
  • Home & Auto Insurance
  • Motorcyle & ATV

3111 Douglas Avenue, Des Moines, IA 50310
WebsiteLicense: 8594577

Expertise.com Rating

Review Sources

Google
4.3 (79)

Why choose this provider?

Budget Insurance is a professional insurance agency that serves clients in Des Moines and nearby areas. The company specializes in providing difficult-to-insure auto insurance solutions involving drivers who have multiple accidents or tickets, and professional and student drivers with invalid, barred, suspended licenses and learner permits. It helps clients in fulfilling insurance requirements for license reinstatement programs, and also manages the requirements needed to meet the conditions of acquiring SR-22 certifications. The company has access to five different insurance providers, providing flexible options to each client.

  • Multiple Carriers
  • Bundling Option

1100 Grand Avenue, West Des Moines, IA 50265

Expertise.com Rating

Review Sources

Google
4.6 (9)
Facebook
5.0 (1)

Why choose this provider?

Scott Insurance Services is an auto insurance company that operates in Des Moines. It covers general automotive risks such as roadside accidents, collisions with other vehicles, and damage from weather phenomena or animals. The company's agents have over a century of collective experience and can thus ably advise clients on choosing protective plans for medical liabilities and theft. Scott Insurance Services works with multiple insurance carriers like The Hardford, Metlife, and Auto-Owners Insurance. Founded in 1996, it covers other vehicles like watercraft and RVs.

  • Multiple Carriers

2815 Beaver Avenue, # 200, Des Moines, IA 50310
WebsiteLicense: 8594577

Expertise.com Rating

Review Sources

Google
4.6 (11)
Yelp
4.0 (1)

Why choose this provider?

Davis Insurance is a full-service insurance management company that serves Des Moines and nearby communities. The firm provides customized auto insurance policies to protect individuals, families, and businesses from unwanted losses. Its independent insurance agents shop for a variety of coverage options among multiple providers. These include liability, comprehensive, collision, medical payments, and personal injury protection. They also provide additional coverage for uninsured motorist damages, roadside assistance, towing services, and rental reimbursements. The company values trust, competence, and integrity in all its services.

  • Multiple Carriers

655 Walnut Street, Des Moines, IA 50309
WebsiteLicense: 10378627

Expertise.com Rating

Why choose this provider?

Downtown Insurance is a full-service insurance agency that serves the people of Des Moines. It offers a wide range of insurance products, including standard auto insurance. Drivers looking to insure their vehicles may contract the services of the company’s professional and experienced agents, who can shop for insurance policies from multiple carriers to meet the clients’ needs and requirements. In addition to automobiles, Downtown Insurance also insures commercial auto, recreational vehicles, and classic cars.

  • Multiple Carriers

3022 Southeast 14th Street, Des Moines, IA 50320
WebsiteLicense: 16809347

Expertise.com Rating

Review Sources

Google
4.7 (169)
Yelp
2.5 (2)

Why choose this provider?

James Walford is a State Farm insurance agent servicing the Des Moines community. Walford aims to build strong relationships with clients to produce ideal customized insurance solutions depending on their needs. State Farm offers a wide range of car insurance coverages for teen drivers, rental cars, and sports cars. The coverage options can include collision and comprehensive insurance coverages that can protect clients from significant financial losses. The agency also offers banking and investment services for clients.

  • Multiple Carriers
  • Bundling Option

4320 1/2 Southwest 9th Street, Des Moines, IA 50315
WebsiteLicense: 6866017

Expertise.com Rating

Review Sources

Google
4.6 (92)
Facebook
5.0 (12)
Yelp
5.0 (1)

Why choose this provider?

Ligouri Insurance is an auto insurance agency that provides services to the Des Moines area. With a combined experience in the insurance business of over 70 years, the agency's small team can provide the best insurance coverage deal for their clients with just one phone call. The agency offers auto insurance for both new cars, old cars, and motorcycles, as well as other insurance products like homeowners, renters, business owners, and commercial insurance coverage.

  • Multiple Carriers
  • Motorcyle & ATV

4314 Southwest 9th Street, Des Moines, IA 50315
WebsiteLicense: 6859088

Expertise.com Rating

Review Sources

Google
4.8 (17)

Why choose this provider?

For the past five decades, Mauro Insurance has been catering to the insurance needs of individuals, families, and businesses in Des Moines and surrounding communities. Founded in 1964, the family-owned business assists car owners, motorists, and business operators in insuring their vehicle assets with an auto insurance policy. Taking time to listen to client priorities, its independent insurance agents represent a variety of insurance providers and create a customized auto coverage matching the client's needs. They also offer policies for motorcycles, boats, and recreational vehicles.

  • Multiple Carriers

7400 University Avenue, Clive, IA 50325
WebsiteLicense: 264422

Expertise.com Rating

Review Sources

Google
4.9 (167)
Facebook
5.0 (39)
Yelp
5.0 (4)

Why choose this provider?

Absolute Insurance Agency, LLC is a full-service independent insurance firm licensed in 18 states that serves the people of Des Moines and the rest of Iowa. Its professional agents can connect vehicle owners with numerous carriers to help them find a suitable car insurance plan that will match their personal requirements and expectations. Available policies essentially have liability, bodily injury, collision, medical payments, and comprehensive coverage. Absolute Insurance Agency, LLC also helps insure classic cars, motorcycles, RVs, ATVs, and boats.

  • Bundling Option

7400 University Avenue, Des Moines, IA 50325
WebsiteLicense: 225622

Expertise.com Rating

Why choose this provider?

Iowa Insurance Agency provides automobile insurance solutions in Des Moines. For more than 50 years, it has been tailoring full car insurance packages based on clients' needs. The company's agents gather quotes from trusted insurance companies, such as Nationwide, Progressive Insurance Company, and Auto Owners Insurance Group. They also help clients in understanding their auto insurance policies and when turning in a claim after a car accident. The agency's president, Duane Miller, began his career in the insurance business in 1970.

  • RV & Motorhome
  • Boats

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
The Insurance Specialists Inc
514 E Euclid Ave, Des Moines, IA 50313
Budget Insurance
3111 Douglas Avenue, Des Moines, IA 50310
Scott Insurance Services
1100 Grand Avenue, West Des Moines, IA 50265
Davis Insurance Agency
2815 Beaver Avenue, # 200, Des Moines, IA 50310
Downtown Insurance
655 Walnut Street, Des Moines, IA 50309
James Walford
3022 Southeast 14th Street, Des Moines, IA 50320
Ligouri Insurance
4320 1/2 Southwest 9th Street, Des Moines, IA 50315
Mauro Insurance
4314 Southwest 9th Street, Des Moines, IA 50315
Absolute Insurance Agency
7400 University Avenue, Clive, IA 50325
Iowa Insurance Agency
7400 University Avenue, Des Moines, IA 50325

Des Moines, IA Car Insurance Agency FAQs

  • Is car insurance mandatory in Des Moines?

    Unlike most states, Des Moines does not require drivers to have auto insurance. Drivers must, however, be able to show proof of financial responsibility under Iowa's Financial and Safety Responsibility Act. Having car insurance is one way to demonstrate this. Having insurance indicates that a driver will be able to cover the costs of any bodily injury or property damage sustained in the event of a car accident.

  • How much car insurance is required in Des Moines?

    You must be able to meet the following auto insurance requirements when purchasing a car in Des Moines:

    • $15,000 in property damage coverage.
    • $25,000 for a single person's injury or death.
    • $40,000 for total accident-related damages. In Iowa, this is only the bare minimum of coverage. However, if you have the means, carrying additional insurance can be beneficial.
  • Does car insurance in Des Moines follow the car or the driver?

    Car insurance policies cover the vehicle rather than the driver. In the event of an auto accident in Des Moines, the insurance covering the registered car will be the primary source of reimbursement, regardless of who was driving it. Bodily injury liability, personal injury liability, collision, and comprehensive coverage will all be covered by auto insurance.

  • Will a DUI record affect your car insurance rates in Des Moines?

    Yes, your insurance rates in Des Moines may rise by at least 85% as a result of a DUI conviction. Most insurance companies consider a DUI driver to be risky, which raises insurance rates. A DUI conviction can make it difficult to obtain insurance from different companies for up to seven years.

  • Whose car insurance policy will pay for damages in a car accident in Des Moines?

    Iowa is an at-fault state. This means that whoever is at fault in a Des Moines car accident will have his or her auto insurance policy cover the damages. To file an insurance claim or take legal action, a person's fault in the accident must be established. It should be noted that the state has comparative fault laws in effect. Furthermore, if a driver's fault for the accident is proven to be 51% or higher, he or she cannot recover compensation.