Des Moines Insurance Rates:

Des Moines, IA home insurance is about $565 to $764, about $47-$63/month. Our comprehensive research shows customers can save as much as $266 by getting multiple quotes

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Read Des Moines, Iowa Homeowners Insurance reviews & compare quotes to find the most reliable & cheapest quotes.

Des Moines Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
State Farm
Home Insurance Rate of $60/1 month for $175000-$200000 Coverage
Policy Holder Home Details :

Home Value : $165,000

5 Beds, 5 Baths 2180 sqft Vacation Property Constructed In 1945 with Linoleum, Slate Shingles Roof, Chainwall Foundation, Brick siding, Stucco Construction. Home Features Include Deadbolt Locks, Fire Extinguisher, Swimming Pool, Smoke Alarm, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

40 Years old Divorced Male who is Unemployed and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 500-549 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $270/4 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $165,000

3 Beds, 3 Baths 1800 sqft Vacation Property Constructed In 1961 with Hardwood Flooring, Composition Roof, Crawl Space Foundation, Brick siding, Metal Frame Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

51 Years old Married Female who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

Home Insurance Rate of $960/9 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $320,000

5 Beds, 5 Bath 3460 sqft Seasonal Residence Constructed In 1945 with Linoleum, Shingles Roof, Chainwall Foundation, Brick siding, Wood Frame. Home Features Include Fireplace, Swimming Pool, Indoor Sprinklers, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

61 Years old Divorced Male who has a Full Time Job with household income of less than $25,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • 650-699 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $90/2 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $140,000

2 Beds, 2 Bath 1650 sqft Rental Property Constructed In 1941 with Carpet over wood flooring, Shingles Roof, Piers Foundation, Wood siding, Brick Frame. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

31 Years old Single Female who has a Part Time Job with household income of $25-50,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 750-799 Credit Score

Home Insurance Rate of $760/7 months for $200000-$250000 Coverage
Policy Holder Home Details :

Home Value : $200,000

4 Beds, 4 Baths 3210 sqft Primary Residence Constructed In 1960 with Carpet over wood flooring, Slate Shingles Roof, Crawl Space Foundation, Stone Siding, Stucco Construction. Home Features Include Central Air Conditioning, Fireplace, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

42 Years old Single Female who is a Freelancer with household income of $50-$75,000 and has No Pets and is a Non-Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $400/6 months for $75,000-$100,000 Coverage
Policy Holder Home Details :

Home Value : $100,000

3 Beds, 3 Baths 1208 sqft Primary Residence Constructed In 1963 with Wood Flooring, Composition Roof, Piers Foundation, Stucco siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Smoke Alarm, Circuit Breaker Electricals and Security by HomeOnly

About Policy Holder:

26 Years old Divorced Male who has a Part Time Job with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

  • Guests at home

Des Moines, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
50316 $90,300 $650
50314 $88,600 $660
50321 $190,800 $710
50312 $158,700 $690
50320 $146,600 $690
50310 $137,400 $680
50309 $128,300 $680
50315 $110,500 $670
50313 $101,400 $660

Des Moines Rates & Quotes Analysis:

Des Moines Area Estimated House Insurance
Depot St, 85th St, N Alice Ave, Pinehurst Cir, 94th Ln, Lyle Murphy Dr, Fairfax St, N 3rd St, SE 80th Ave, County Line Rd$704
Carter Trl, N 44th St, 105th Ln, Oakwood Dr, County Line Rd, S 8th St, NW 97th St, 98th Ave, Old Orchard Dr, 43rd Pl$713
61st Ln, 4th St, Crescent Dr, N 8th St, Villa Dr, Fulton St, Crestview Dr, Warren Ave, 53rd Ave, Greenlee Ave$708
Skyline Dr, Rinard Rd, Albany Trl, W Co Rd R57, Veterans Memorial Dr, 88th Ave, Railroad St, Co Rd G24, Patterson Dr, Pinehurst Dr$713
91st Ln, Co Rd R45, Clover Hill Dr, N Dawson Ave, Carter St, 33rd Ave, East St, Co Rd G14, N Greenlee Ave, W County Line Rd$714

Insurance rates are influenced by a number of factors including:

  • Year Built: 26,765 Homes (29% of total homes ) built between 1939 or earlier in Des Moines are paying home insurance between $1,422-$1,432. Places close to Des Moines, IA such as Pleasant Hill, Windsor Heights, Saylor are more expensive by $63, $48, $49 respectively while Lee and Spring Hill are cheaper by $17 and $31 respectively for similar homes.
  • Bedrooms: 12,202 1 bedroom homes (14% of total homes ) in Des Moines are paying about $566. Areas near to Des Moines such as Bloomfield, Pleasant Hill, Windsor Heights are costlier by $5, $24, $18 respectively whereas Lee and Bevington are more economical by $7, $11 respectively for similar homes.
  • Auto Insurance Bundling: 11,439 Households (22% of all households) in Des Moines have 3 or more vehicles available and when it is bundled with home insurance you can save $166 and varies from Lee ($164), Bloomfield ($165), Pleasant Hill ($173).
  • Senior Discounts: 20,778 seniors (more than 55 years) occupied housing units (40% of total) in Des Moines get discounts between $99 to $101 and varies from Lee ($98), Bloomfield ($99), Pleasant Hill ($104).
  • New Homes discounts: New homes such as the 27,291 homes built between 2000 to 2009 in Des Moines can save $133 and similar new home insurance discounts in nearby towns and cities like Lee, Bloomfield and Pleasant Hill are $131, $132 and $138 respectively.

Des Moines Homeowners insurance Facts

  • Des Moines, IA has 51,847 owner occupied houses which is 63.0% of all units whereas Lee, Bloomfield and Pleasant Hill have 63.32%, 65.14% and 76.13% respectively.
  • Des Moines, IA homeowners yearly insurance price at $665 is 0.56% of the typical house value of $118,600 which is in contrast with 0.62% in Lee, 0.57% at Bloomfield & 0.39% in Pleasant Hill.
  • Homeowners in Des Moines, IA pay 0.89% of their income ($75,000 or more) in insurance whereas homeowners in Lee, Bloomfield and Pleasant Hill pay 0.88%, 0.88% and 0.93% respectively.
  • Des Moines, IA’s insurance is 4.6% of monthly housing costs of $1,200/month, for owners with a mortgage compared to 4.96% in Lee, 4.55% at Bloomfield & 3.67% in Pleasant Hill. But, for households without a mortgage, insurance is 12.6% of costs ($439 in Des Moines, IA) in contrast with 13.49% in Lee, 12.5% at Bloomfield & 11.27% in Pleasant Hill.

Des Moines, IA Home Values & Insurance rates

For example, insurance for 4,199 Homes (8.0% of total homes ) valued between $80,000 to $89,999 in Des Moines, IA is about $472. Rates in nearby areas in such as Windsor Heights, Saylor, Four Mile are cheaper by $122, $122, $133 respectively while Lee and Bloomfield are costlier by $53 and $11 respectively for similar homes.

Des Moines, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 3,656 7.0% $139
$50,000 to $59,999 1,515 2.0% $292
$60,000 to $69,999 1,753 3.0% $359
$70,000 to $79,999 2,657 5.0% $418
$80,000 to $89,999 4,199 8.0% $472
$90,000 to $99,999 4,021 7.0% $532
$100,000 to $124,999 10,942 21.0% $611
$125,000 to $149,999 8,555 16.0% $764
$150,000 to $174,999 5,411 10.0% $911
$175,000 to $199,999 2,951 5.0% $1050
$200,000 to $249,999 2,649 5.0% $1263
$250,000 to $299,999 1,595 3.0% $1542
$300,000 to $399,999 990 1.0% $1961

Renters Insurance in Des Moines

  • Average Renters Insurance in Des Moines :  $149($12/month)

  • Median Gross Rent in Des Moines :  $718

  • Des Moines Renters Insurance to Median Rent Ratio:  1.67%

  • Average household size of renter-occupied unit :  2.23

Des Moines Renters Insurance as a Percentage of Rent

Des Moines Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 491 1.0% $337
$200 to $299 974 3.0% $787
$300 to $499 2,864 9.0% $1237
$500 to $749 12,282 41.0% $1912
$750 to $999 7,946 26.0% $2662
$1,000 to $1,499 4,581 15.0% $3787
$1,500 or more 470 1.0% $5437

Rent Affordability in Des Moines:

Approximately 46.0% (14,207) of households are spending more than 35% of their income on gross rent in Des Moines

Occupied units paying gross rent Total Households % of Total
Less than 15.0 percent 3,164 10.0%
15.0 to 19.9 percent 3,849 12.0%
20.0 to 24.9 percent 3,168 10.0%
25.0 to 29.9 percent 3,639 11.0%
30.0 to 34.9 percent 2,451 8.0%
35.0 percent or more 14,207 46.0%

Protective device discount in Des Moines Up to :  $22

Claims-free discount in Des Moines Up to :  $29