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West Des Moines Car Insurance Resources

West Des Moines, IA Car Insurance

Cars Insured in West Des Moines

^ There are an estimated 44,828 vehicles currently insured in West Des Moines. [1]

Car Insurance Rates in West Des Moines

^ From 2006 to 2010, Iowa cities had the 49th highest auto insurance rates in the nation. [2]

Uninsured Motorists in West Des Moines

^ There are an estimated 4,684 uninsured motorists driving in West Des Moines. [3]

IA Car Insurance

West Des Moines Car Insurance

Car Insurance Liability Requirements in West Des Moines

  • Minimum Liability Limits in West Des Moines: 20/40/15 [4]
    • 20  Required coverage up to $20,000 for one individual injured in an accident
    • 40  Required coverage up to $40,000 for all persons injured in an accident
    • 15  Required coverage up to $15,000 for property damage in an accident
    • Note: The amounts listed above are the minimum coverage amounts required by the law. Drivers can opt to purchase more than the mandatory minimum amounts.

Required Car Insurance Coverage in West Des Moines

Required Car Insurance Coverage in West Des Moines
  • West Des Moines Auto Insurance Coverage Requirements [4]
    • Bodily injury liability coverage
    • Property damage liability coverage

Car Insurance Verification Laws in West Des Moines

  • Insurer Verification of Auto Insurance in West Des Moines [4]
    • Insurer must notify Department of Motor Vehicles or other state agency of cancellation or nonrenewal.

West Des Moines Car Insurance Facts, Estimates & Related Laws

West Des Moines Car Insurance Stats

West Des Moines Car Insurance Facts, Estimates & Related Laws
  • Number of Auto Insurance Policies in West Des Moines
    • Based on historical and current data, 44,828 cars are currently insured in West Des Moines. [5]
    • Iowa cities collectively ranked 30th in the nation in auto insurance policies in 2011 with a total of 2,412,396. [1]
  • Uninsured Motorist Rate in West Des Moines
    • Based on historical and current data, West Des Moines has an estimated 4,684 uninsured drivers. [6]
    • Iowa cities collectively had the 29th highest uninsured motorist rate in the nation in 2009. [3]
  • Average Car Insurance Rates in West Des Moines
    • Iowa cities collectively had the 49th highest auto insurance rates in the nation in 2010. [2]

West Des Moines Distracted Driving Laws


  • Hand-held phone ban? No
  • Texting-while-driving ban? Yes
    • Texting-while-driving ban in place for all drivers. [7]
  • Young drivers cell phone ban? Yes
    • Ban applies to learner's permit and intermediate license holders. [7]
  • Bus driver cell phone ban? No
  • Enforcement of laws:
    • Primary enforcement in effect for learner's permit and intermediate license holders. Secondary enforcement in effect for texting. [7]
    • With primary enforcement, a police officer can pull over a driver for that specific offense. Drivers cannot be pulled over solely for a secondary offense.


West Des Moines Automotive Laws

  • Minimum Driving Age in West Des Moines [9]
    • West Des Moines, IA minimum driving age: 14 years.
  • Driver's License Renewal Cycle in West Des Moines
    • Renewal cycle: 5 years [7]
  • Motorcycle Helmet Laws in West Des Moines
    • No law in place. [7]
  • Safety Belt Laws in West Des Moines
    • Safety belt laws have been in place since 1986 and apply to drivers/passengers 18+ years in front seat. [7]
    • Child restraint law in place for younger than 1 year and less than 20 pounds in a rear-facing child seat; 1 through 5 years. [7]

Iowa Car & Driver Facts

Iowa Auto Registrations

Iowa Car & Driver Facts
  • Auto Registrations in IA [8]
    • Registered Cars: 1,645,916
    • Registered Trucks: 1,667,446
    • Registered Motorcycles: 174,263
    • Total Registrations: 3,496,576
    • Rank: Iowa ranked 27th in the United States in total auto registrations in 2011.

Iowa Automotive Facts

  • Speed Limits in IA
    • Rural interstates: 70 mph [7]
    • Urban interstates: 55 mph [7]
    • Other roads: 55 mph [7]
  • Iowa Motor Fuel Consumption
    • Iowa cities collectively ranked 28th in the nation in total motor fuel consumption in 2011. [10]

Iowa Licensed Drivers

  • Licensed Drivers in IA [11]
    • Female Drivers: 1,111,216
    • Male Drivers: 1,080,499
    • Total Drivers: 2,191,715
    • Rank: 30th highest in the U.S.

Additional information about West Des Moines, IA

About West Des Moines

West Des Moines (Iowa) is a city with a population of 56,609 [12] that is located in Polk County.

IA Car Insurance

More about West Des Moines auto insurance

For more information about West Des Moines car insurance, or for additional resources regarding Iowa car insurance overall, visit the Iowa Department of Insurance.

Did you know?

Across all U.S. states, Massachusetts has the fewest uninsured drivers - approximately 4.5 percent at last measure.

References

1. ^ Automobile Insurance Plans Service Office (AIPSO)

2. ^ National Association of Insurance Commissioners (NAIC)

3. ^ Insurance Research Council (IRC)

4. ^ Insurance Information Institute (III)

5. ^ Automobile Insurance Plans Service Office (AIPSO) & United States Census Bureau

6. ^ Insurance Research Council (IRC) and United States Census Bureau

7. ^ Insurance Institute for Highway Safety (IIHS) & Highway Loss Data Institute

8. ^ Office of Highway Policy Information

9. ^ Insurance Institute for Highway Safety (IIHS)

10. ^ U.S. Department of Transportation

11. ^ Federal Highway Administration

12. ^ United States Census Bureau

13. ^ National Highway Traffic Safety Administration (NHTSA)

14. ^ National Telecommunications & Information Administration (NTIA)

Additional Cities in IA