Car Insurance in Des Moines, WA
Not every Des Moines driver puts the same miles in. Maybe you work from home, or maybe the 99 is somewhere you rarely find yourself. Either way, you shouldn’t pay a flat rate for miles you never drove.
Lemonade Pay Per Mile makes sure you don’t.
How much does car insurance
cost in Des Moines?
The average estimated cost of Lemonade car insurance in Des Moines ranges from roughly $3,360 to $3,420 per year*. You’ll pay a different price each month; it’s a calculation of the number of miles you drive multiplied by your per-mile price, plus your monthly base price that doesn’t change.
How can I get cheaper car insurance in Des Moines?
The savings don’t stop at signup. Here’s what else is on the table.
Bundle discounts
The more you bundle with Lemonade, the more you save. Car, renters, homeowners, pet, and more.
Safe driving
The safer you drive, the lower your premium. We look at things like speed, braking, and how smoothly you take turns.
Low mileage
The less you drive, the less you pay. Every month, no exceptions.
What is the minimum car insurance
required in Des Moines?
Every Des Moines driver needs to carry a minimum level of coverage to legally drive. Here’s exactly what Washington requires.
| Required minimum coverages for Tennessee drivers | Minimum amount required |
|---|---|
| Bodily injury liability | $25,000(per person)/ $50,000 (per accident) |
| Property damage liability | $10,000 |
What additional car insurance coverages
does Lemonade offer in Des Moines?
The state minimum covers the basics. These coverages help fill in the gaps.
Collision coverage
To repair or replace your own car if it’s damaged in an accident with another vehicle, or a stationary object (like a fence, highway divider, and so on).
Read moreComprehensive coverage
To fix damage to your car, or possibly replace it entirely, if there are damages or losses from an incident that didn’t involve a collision with another vehicle (like if you hit a deer, damage from a hailstorm, and so on).
Read morePersonal injury protection (aka PIP)
Can help pay for things like your medical bills, lost wages, and other related expenses after a car accident. With PIP, your own insurance company covers the medical expenses from a car accident regardless of who is at fault.
Read moreUninsured / underinsured motorist bodily injury coverage
Can help cover your medical bills and lost wages related to injuries caused by an uninsured or underinsured driver.
Read moreUninsured / underinsured motorist property damage coverage
Can help repair or replace your own car if you get into a car accident with an uninsured or underinsured driver.
Read moreTemporary transportation coverage
Transportation expenses like rideshares, public transportation, bike sharing, or a rental car for up to 30 days while your car is being repaired or appraised.
Read moreWhat’s the best car insurance in Des Moines?
Better pricing. Faster claims. Perks that actually matter.
Here’s what you get when your insurer is built on tech, not paperwork.
Priced for you
Most insurers average you in with everyone else. We don’t. Your price is built around how you drive. Not the driver next to you.
No hold music
Buy a policy, add a car, file a claim, update your coverage. All from the app, all in minutes.
Claims, not chaos
Open the app, tell us what’s going on, and we’ll take it from there. Fast, clear, and no runaround.
Beyond Des Moines: car insurance across Washington
Des Moines car insurance FAQs
What happens if you drive without insurance in Des Moines, WA?
Washington state requires all drivers to carry minimum liability coverage, and getting caught without it can mean fines, a suspended license, and having your car impounded. If you cause an accident while uninsured, you’re personally on the hook for the other driver’s damages and medical bills. It’s a risk that’s rarely worth taking.
How does Des Moines weather affect car insurance?
The Pacific Northwest is famous for its rain, and Des Moines gets plenty of it, which means slick roads and reduced visibility are a real part of driving here year-round. Comprehensive coverage can also help protect you from wildfire smoke season, which occasionally rolls in from eastern Washington and can cause visibility issues on the road. If you want coverage that goes beyond fender benders, it’s worth thinking about what local conditions actually put your car at risk.
Is car insurance more expensive for younger drivers in Des Moines?
Younger drivers typically pay more for car insurance, but safe driving habits can make a real difference in what you pay. With pay-per-mile insurance, low-mileage young drivers in Des Moines who aren’t logging a ton of miles can often pay less than their age alone might suggest. It’s one of the better options for students or new drivers who aren’t commuting every day.
What coverage options go beyond Washington's state minimum?
Washington’s minimum only covers liability, meaning it pays for damage you cause to others but leaves your own car unprotected. Adding collision coverage helps pay for repairs to your car after an accident, and comprehensive coverage steps in for things like theft, weather damage, or hitting a deer. Most drivers in Des Moines find that stacking a few extra layers of coverage gives them a lot more to fall back on.
What should you do after a car accident in Des Moines, WA?
First, make sure everyone is safe and call 911 if there are injuries or significant damage. Washington law requires you to exchange information with the other driver and report accidents that result in injury or property damage over $1,000 to the Washington State Patrol. After that, contact your insurance company as soon as possible to start your claim.
A few quick words, because we <3 our lawyers: This post is general in nature, and any statement in it doesn’t alter the terms, conditions, exclusions, or limitations of policies issued by Lemonade, which differ according to your state of residence. You’re encouraged to discuss your specific circumstances with your own professional advisors. The purpose of this post is merely to provide you with info and insights you can use to make such discussions more productive! Naturally, all comments by, or references to, third parties represent their own views, and Lemonade assumes no responsibility for them. Coverage and discounts may not be available in all states. Lemonade Insurance analyzed policy rates to calculate average car premiums from Oct 2025 through September 2026. This analysis is based on Lemonade’s internal data and is meant for illustrative purposes only; quotes may vary depending on individual circumstances.
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