🏠 Home insurance cost in Des Moines, IA (2027)
Estimated average: $1,955 per year — -15% vs. the U.S. average of $2,300.
With about 210,381 residents, Des Moines is a large city and the largest city in Iowa. Home insurance rates here are estimated at $1,955 per year, near the Iowa average of $1,955 — a gap driven by local factors like local weather and catastrophe risk, and rebuild costs. Below you can estimate a price for your own profile and compare Des Moines with other Iowa cities.
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Des Moines home insurance FAQ
How much is home insurance in Des Moines, IA?
The estimated average is $1,955 per year — about the state average (0% vs. the Iowa average of $1,955, and -15% vs. the U.S. average).
Is home insurance more expensive in Des Moines than elsewhere in Iowa?
Des Moines has about 210,381 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.
How do I get the cheapest home insurance in Des Moines?
Compare at least three quotes from insurers active in Des Moines, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.