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Home Insurance in Des Moines, IA

Local home insurance for Des Moines. Pick your ZIP for the most local rates, or get free quotes now.

Short answer: home insurance in Des Moines, IA depends on your ZIP code, coverage level and driver/home profile. Compare free quotes from licensed partners in ~2 minutes. Local averages: get a quote for your exact rate.
Updated August 2026

Des Moines, IA
Population ~207,510 · Polk County · Iowa statewide average: ~$1,268/yr (NAIC, 2022).

Des Moines ZIP codes

FAQ

How much is home insurance in Des Moines, IA?

Des Moines rates depend on your ZIP, coverage and profile; the Iowa statewide average is about $1,268/yr (NAIC, 2022). Compare free home insurance quotes from licensed partners.

Which ZIP codes are covered in Des Moines?

We list Des Moines ZIP-level pages below; each shows local home insurance details and free quotes.