Cheapest Auto Insurance in Cedar Rapids, Iowa (2024)
Auto-Owners offers the cheapest car insurance in Cedar Rapids, with minimum-coverage policies as low as $24 per month.
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Written byChristy Rakoczy
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Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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Updated November 21, 2024
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Table of contents
The overall average cost of car insurance in Cedar Rapids is $104 per month. This is close to Iowa’s overall average car insurance rate, which is $94 per month.
Cedar Rapids has cheaper average insurance prices than the overall national average of $154 per month. These cheaper rates could be because the state has fewer cars on the road, as Iowa is one of the least densely populated states in the country.[1] Iowa’s fatality rate per 100 million vehicle miles traveled is also lower than the national average.[2]
Quick Facts
The average cost of liability-only coverage in Cedar Rapids is $65 per month.
Full-coverage insurance in Cedar Rapids costs an average of $143 per month.
Car insurance companies in Iowa can use your credit history when determining premiums.[3]
Cheapest car insurance companies in Cedar Rapids
Auto insurance costs vary based on each driver’s unique situation, including factors like ZIP code, driving history, vehicle, age, and more.
Some drivers can get cheaper coverage from one particular insurer, while others would do better with a different company. Still, some insurers are known for generally offering affordable policies in Cedar Rapids. Here are some of the best car insurers in the area.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best For ▲▼ |
|---|---|---|---|---|
| USAA | 9.4 | $46 | $23 | Military members and veterans |
| Farmers | 8.3 | $64 | $32 | Students |
| The General | 7.3 | $203 | $89 | Drivers with a DUI |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for military members and veterans: USAA
| User Reviews | 4.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $25/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $52/mo |
4.9
Best choiceBased on 1602 verified guest reviews and ratings
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
How drivers feel about USAA
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
AI-generated from the text of verified reviews collected by Insurify
Best For
Members of the military community
Outstanding customer service
Competitive rates
Reviews (914)
Gloria
November 15, 2024
Verified Review
Not Good for Claims
I have storm damage and the claim process is not satisfactory.
Martin
November 11, 2024
Verified Review
Price Shopping
I have been with USAA for over 60 years. Obviously, I've been very happy. Since I don't drive very far, I have been seeing advertisements for lower prices. However, I have no plans of leaving USAA.
Rena Sabine
November 8, 2024
Verified Review
Disappointing and inflexible service
My experience with this company has been disappointing, especially this second time around. I would suggest considering other options. From my recent interactions, they have been dismissive and argumentative. I have already started finalizing my next premium with another company. I'm perplexed as to how they receive praise when they treat clients in this manner.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.35A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
A++Why we picked this company
USAA provides affordable coverage for active-duty members of the military, which could include the 8,347 veterans who call Cedar Rapids their home. USAA’s rates are generally affordable in Iowa, compared to other car insurance companies.
USAA has excellent AM Best financial strength ratings and received an above-average J.D. Power customer satisfaction rating in the Central region.
Pros
Highly rated customer service
Bundling coverage available
Cons
Restrictive membership eligibility
No gap insurance
Best insurer for students: Farmers
| User Reviews | 3.9 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $35/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $73/mo |
3.9
A solid optionBased on 1836 verified guest reviews and ratings
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
How drivers feel about Farmers
Drivers appreciate the initial affordability but dislike the frequent and significant price increases and poor customer service.
AI-generated from the text of verified reviews collected by Insurify
Best For
Bundling discounts
Minimum coverage
Safe drivers
Reviews (988)
Gregory
November 12, 2024
Verified Review
Extremely Poor
They've been taking money from me for nine months and then billed me again, even after I provided proof that I never had two cars.
Stanford
November 12, 2024
Verified Review
Fair
The price is too much for me.
James
November 11, 2024
Verified Review
Not a Fan of Farmers Insurance
Farmers Insurance tends to make everything a huge hassle, and they might charge you more if you don't download their app. I wouldn't recommend wasting your time or money with Farmers Insurance.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.13A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Cedar Rapids is home to Mount Mercy University and Kirkwood Community College. The area’s large student population will appreciate that Farmers offers various discount opportunities for young people, including for earning good grades, being a young driver, and using a shared family vehicle.
Pros
Student-specific discounts available
Bundling available
Cons
Below-average J.D. Power customer satisfaction rating in the Central region
Doesn’t offer gap insurance
Best insurer for drivers with a DUI: The General
| User Reviews | 3.5 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.3 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $98/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $225/mo |
3.5
A solid optionBased on 728 verified guest reviews and ratings
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Drivers appreciate the best rates and good customer service but dislike the high rates and overcharging.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (409)
Gary
November 7, 2024
Verified Review
Unsatisfactory Service
Getting in touch with a live representative is almost impossible, and when you do, they seem uninformed. I was charged $300 for a policy that provided no coverage. It felt like they were getting paid for doing absolutely nothing.
Jalonda
November 5, 2024
Verified Review
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
I loved The General. I had them for 3 years. However, I found better rates elsewhere and I'm now paying only half of what The General was offering, so I had to switch. If they had lower rates, I would have stayed with them.
Sheri
November 5, 2024
Verified Review
Would Never Recommend
The customer service was very rude and disinterested when I tried to change my policy. They were extremely unhelpful.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.69A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Iowa reported 446 DUI arrests in 2021. Drivers with a DUI on their record face higher insurance costs because of the increased risk that they’ll file an insurance claim. However, The General offers affordable insurance in Cedar Rapids for drivers with a poor driving record and who need to file an SR-22 certificate.
Pros
Provides SR-22 forms
A+ AM Best rating
Cons
Limited coverage options
No local agents in Cedar Rapids
How to get the cheapest car insurance in Cedar Rapids
Driving history, location, and many other factors can affect which insurance company offers you the cheapest coverage. To make sure you pay the lowest rates possible for your situation, follow these tips:
Get quotes. Since premium costs vary by auto insurer, it’s helpful to compare prices from several different companies. An independent insurance agent can shop for policies for you, or you can use a quote-comparison tool to look at multiple quotes at once.
Increase your deductible. A deductible is what you pay up front before your insurance covers the rest. A policy with a higher deductible comes at a lower cost, although you'll have to pay more out of pocket when you file a claim.
Look for discounts. You can get discounts for bundling coverage, as well as for other specific things, such as having a safe driving record. Take advantage of any opportunities for saving that you might be eligible for.
Increase your credit score. With some limitations, insurers are allowed to consider credit history when setting insurance premiums.[3] As a result, increasing your score could help reduce your rates.
Find Cheap Car Insurance in Cedar Rapids, Iowa
Monthly liability rates start at $24
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Cheapest liability-only car insurance in Cedar Rapids: Auto-Owners
The cheapest liability car insurance in Cedar Rapids comes from Auto-Owners, with a rate of $24 per month. Liability car insurance provides coverage when you’re at fault for an accident and covers damages and injuries you cause to others. Liability insurance doesn’t cover your own injuries or damages, just legal fees and liabilities you owe to others.
These companies in Cedar Rapids offer some of the lowest average car insurance quotes for liability-only coverage.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $24 |
| USAA | $25 |
| GEICO | $28 |
| American Family | $30 |
| Allstate | $31 |
| Farmers | $35 |
| Safeco | $46 |
| Nationwide | $48 |
| Travelers | $48 |
| National General | $55 |
| Progressive | $56 |
| Bristol West | $61 |
| Dairyland | $62 |
| Direct Auto | $66 |
| Liberty Mutual | $77 |
| Root | $90 |
| Foremost | $98 |
| The General | $98 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Cedar Rapids: Auto-Owners
Full-coverage auto insurance provides much more coverage than a liability-only policy.
In addition to liability coverage, full coverage also includes collision and comprehensive coverages. Collision coverage pays for your own property damages in an accident, and comprehensive coverage pays for your damage from non-collision events, like fires and floods.
The average cost of a full-coverage policy in Cedar Rapids is $143 per month. The table below shows the cheapest car insurance companies for full coverage in the city.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
|---|---|
| Auto-Owners | $49 |
| USAA | $52 |
| GEICO | $56 |
| American Family | $60 |
| Allstate | $63 |
| Farmers | $73 |
| Nationwide | $97 |
| Travelers | $97 |
| Safeco | $101 |
| National General | $106 |
| Progressive | $115 |
| Direct Auto | $124 |
| Root | $134 |
| Dairyland | $178 |
| Bristol West | $201 |
| Liberty Mutual | $202 |
| Foremost | $218 |
| The General | $225 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Cedar Rapids, Iowa
Drivers using Insurify have found quotes as cheap as $25/mo for liability only and $64/mo for full coverage in Cedar Rapids and other Iowa cities.
*Quotes generated for Insurify users in and around Cedar Rapids, Iowa within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Cedar Rapids, Iowa within the last 10 days. Last updated on November 21, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from November 21, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Iowa
Iowa requires all drivers to meet the following minimum coverage requirements:[4]
Coverage ▲▼ | Minimum Requirements ▲▼ |
|---|---|
| Bodily injury liability | $20,000 per person / $40,000 per accident |
| Property damage liability | $15,000 per accident |
However, these minimum coverage requirements are just that: minimums. You may consider purchasing additional coverages to boost your protection on the road. Look into coverage options like the following:
Collision coverage
Collision coverage pays for vehicle damages and repairs when you hit a stationary object or another vehicle, even if you’re at fault.
Comprehensive coverage
Comprehensive coverage pays for vehicle damages and losses in non-collision events, like theft, vandalism, weather events, falling objects, and more.
Gap coverage
If you finance or lease your vehicle, gap coverage pays for the difference between your loan balance and the insurance settlement in the event of a total loss.
Rental car reimbursement
This pays for a rental car for you to drive while your vehicle is in the shop for repairs after a claim.
Roadside assistance
This kicks in when your car breaks down on the side of the road and you need a tow, tire change, or battery jump-start.
Cheapest car insurance for drivers with an incident
Incidents on your driving record can increase your car insurance premiums considerably, depending on the offense. Speeding tickets, driving under the influence, and at-fault accidents all go on your driving record, which insurance companies consider when setting rates.
If you’re ticketed, arrested, or in an accident, expect to pay more for coverage because insurers think you’re more likely to file a claim. For example, a DUI alone can double your car insurance rates in Iowa with some insurers.
Shop for Car Insurance in Cedar Rapids, Iowa
Liability rates start at $31 per month for drivers with an incident
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Cheapest car insurance for drivers with a speeding ticket: Auto-Owners
Insurance companies consider speeding tickets to be a result of high-risk driving behavior. In Linn County, authorities issued more than 4,600 speeding tickets in 2021.[5] After a speeding ticket, car insurance costs an average of $167 per month in Cedar Rapids.
The table below shows the cheapest car insurance for drivers with a speeding ticket on their record.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ |
|---|---|---|
| Auto-Owners | $24 | $34 |
| USAA | $25 | $35 |
| GEICO | $28 | $39 |
| American Family | $30 | $42 |
| Allstate | $31 | $43 |
| Farmers | $35 | $49 |
| Safeco | $46 | $65 |
| Nationwide | $48 | $68 |
| Travelers | $48 | $68 |
| National General | $55 | $77 |
| Progressive | $56 | $78 |
| Bristol West | $61 | $86 |
| Dairyland | $62 | $87 |
| Direct Auto | $66 | $93 |
| Liberty Mutual | $77 | $116 |
| Root | $90 | $135 |
| Foremost | $98 | $147 |
| The General | $98 | $140 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident: Auto-Owners
An at-fault accident results in higher premiums for many reasons. You could lose good driver discounts, and insurers view you as a high-risk driver, which can increase premiums. While some insurers offer accident forgiveness for small accidents, rates increase by 26% on average after an at-fault accident.
Cedar Rapids drivers pay an average of $175 per month with an at-fault accident on their record. You can also check the table below to find other affordable options for insurance in Cedar Rapids after an at-fault accident.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Accident ▲▼ |
|---|---|---|
| Auto-Owners | $24 | $36 |
| USAA | $25 | $37 |
| GEICO | $28 | $41 |
| American Family | $30 | $44 |
| Allstate | $31 | $46 |
| Farmers | $35 | $52 |
| Safeco | $46 | $67 |
| Nationwide | $48 | $71 |
| Travelers | $48 | $71 |
| National General | $55 | $81 |
| Progressive | $56 | $83 |
| Bristol West | $61 | $90 |
| Dairyland | $62 | $91 |
| Direct Auto | $66 | $99 |
| Liberty Mutual | $77 | $121 |
| Root | $90 | $141 |
| Foremost | $98 | $153 |
| The General | $98 | $147 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI: Auto-Owners
DUIs can stay on your driving record for several years and will cause insurance rates to increase because there’s a greater risk of accidents with this type of driving behavior. Plus, you may have to file SR-22 insurance with the state after a DUI conviction to restore your driving privileges. In Cedar Rapids, drivers pay an average of $196 per month for insurance when they have a DUI on their record.
The table below includes some of the cheapest insurers for drivers in Cedar Rapids with a DUI on their records.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With DUI ▲▼ |
|---|---|---|
| Auto-Owners | $24 | $42 |
| USAA | $25 | $44 |
| GEICO | $28 | $49 |
| American Family | $30 | $53 |
| Allstate | $31 | $55 |
| Farmers | $35 | $62 |
| Safeco | $46 | $76 |
| Nationwide | $48 | $85 |
| Travelers | $48 | $85 |
| National General | $55 | $97 |
| Progressive | $56 | $99 |
| Bristol West | $61 | $108 |
| Dairyland | $62 | $109 |
| Direct Auto | $66 | $117 |
| Liberty Mutual | $77 | $136 |
| Root | $90 | $143 |
| Foremost | $98 | $173 |
| The General | $98 | $173 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors: Auto-Owners
Older drivers often have impairments that can affect their driving abilities, such as medical issues or delayed reaction times due to advanced age.[6] As a result, while insurance premiums decrease in middle age, they begin increasing again around age 70.
The average cost of car insurance for senior drivers is $69 per month. But some insurers provide more affordable coverage for seniors than others. The table below shows other cheap insurance options for seniors.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $17 | $35 |
| USAA | $18 | $37 |
| GEICO | $20 | $40 |
| American Family | $21 | $42 |
| Allstate | $22 | $45 |
| Farmers | $24 | $51 |
| Nationwide | $32 | $64 |
| Travelers | $34 | $68 |
| Safeco | $35 | $78 |
| Progressive | $36 | $73 |
| National General | $37 | $72 |
| Bristol West | $44 | $144 |
| Dairyland | $44 | $127 |
| Direct Auto | $46 | $86 |
| Liberty Mutual | $58 | $153 |
| Root | $68 | $101 |
| Foremost | $70 | $156 |
| The General | $71 | $164 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens: Auto-Owners
Teen drivers typically pay much more than older drivers for insurance coverage. Teens cost more to insure because they face the highest accident risks of any demographic. They don’t have a lot of experience behind the wheel, and due to underdeveloped brains and peer pressure, they may take on unnecessary risks that increase the likelihood of an accident.[7]
Teens and young adults pay an average of $197 per month for car insurance in Cedar Rapids. While insurers generally charge higher premiums for teen drivers, some companies have more affordable rates than others. Check out the table below for the cheapest insurance companies for teen drivers in Cedar Rapids.
The below rates are estimated rates current as of: Friday, November 1 at 12:00 PM PDT.
Insurance Company ▲▼ | Liability Only ▲▼ | Full Coverage ▲▼ |
|---|---|---|
| Auto-Owners | $43 | $87 |
| USAA | $44 | $92 |
| GEICO | $48 | $95 |
| American Family | $55 | $110 |
| Allstate | $58 | $119 |
| Farmers | $65 | $135 |
| Nationwide | $89 | $179 |
| Travelers | $92 | $185 |
| Safeco | $93 | $205 |
| Progressive | $104 | $213 |
| Dairyland | $106 | $305 |
| Bristol West | $109 | $359 |
| National General | $114 | $219 |
| Direct Auto | $127 | $239 |
| Liberty Mutual | $140 | $367 |
| Root | $143 | $213 |
| The General | $165 | $379 |
| Foremost | $184 | $409 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Cedar Rapids car insurance quotes by credit tier
Although there are some restrictions, insurers in Iowa are allowed to consider your credit history when setting insurance rates.[3] Drivers with excellent or good credit typically pay less for car insurance than drivers with poor credit.
Here are average car insurance quotes in Cedar Rapids based on credit tiers.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Is car insurance more expensive in Cedar Rapids?
Car insurance in Cedar Rapids is very similar to the state average cost of car insurance. The Cedar Rapids average rate is $104 per month, while the state average is $94.
In general, car insurance isn’t more expensive in Cedar Rapids compared to other Iowa cities, including Davenport, Des Moines, and Sioux City. Several of these cities, including Council Bluffs, Davenport, and Sioux City, sit near the state border and may have more out-of-town traffic that increases collision risks and drives up insurance costs.
More cities in Iowa
Here’s how average car insurance costs in Cedar Rapids compare to other Iowa cities’ rates.
City ▲▼ | Average Quote: Liability Only ▲▼ | Average Quote: Full Coverage ▲▼ |
|---|---|---|
| Council Bluffs | $61 | $146 |
| Davenport | $65 | $142 |
| Des Moines | $69 | $146 |
| Sioux City | $61 | $148 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Cedar Rapids car insurance FAQs
Learn how to shop for car insurance quotes, and check out these answers to common questions about auto coverage in Cedar Rapids.
How much is car insurance in Cedar Rapids?
The average cost of car insurance in Cedar Rapids is $65 per month for liability insurance and $143 per month for full coverage.
Who has the cheapest car insurance in Cedar Rapids?
Auto-Owners, USAA, and GEICO are the cheapest car insurance companies in Cedar Rapids, with liability-only rates of $24, $25, and $28 per month, respectively. However, what’s the cheapest for your neighbor or friend may not be the cheapest company for you, so it’s important to compare quotes from multiple insurers to find one that offers you the lowest price for the coverage you need.
What are the best car insurance companies in Cedar Rapids?
Some of the best car insurance companies that Insurify identified in Cedar Rapids are USAA, Farmers, and The General. These companies cater to specific drivers and can help people find the coverage they need for unique situations, such as military deployment or SR-22 filing.
What is the minimum car insurance in Iowa?
Iowa requires drivers to carry 20/40/15 minimum limits. This translates to $20,000 per person and $40,000 per accident for bodily injury liability and $15,000 per accident for property damage liability coverage.[4]
Is Iowa a no-fault state?
No. Iowa follows a fault-based system for car insurance. This means that after an accident, drivers can file claims with the at-fault driver’s insurance company for compensation for injuries and property damage.[8]
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
Sources
- U.S. Census Bureau. "Population Density of the 50 States, the District of Columbia, and Puerto Rico: 1910 to 2020."
- Insurance Institute for Highway Safety. "Fatality Facts 2021: State by state."
- Iowa Code 2023. "515.103 Use of credit information — personal insurance."
- Iowa Insurance Division. "Automobile Insurance."
- Iowa Department of Transportation. "Speeding Convictions by County of Occurrence 2012-2021."
- National Institute on Aging. "Safe Driving for Older Adults."
- Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
- Nolo. "Iowa Motor Vehicle Financial and Safety Responsibility Act."
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Christy Rakoczy
Christy Rakoczy has been a personal finance and insurance writer for over a decade. Her work has been published on USA Today, MSN, Yahoo Finance, Credit Karma, Forbes Advisor, and more. Christy has a JD from UCLA School of Law and previously worked as a data analyst for Blue Cross and as a paralegal studies instructor before transitioning to writing full time.
Courtney MikulskiSenior Editor, Auto
3+ years producing insurance and personal finance content
Main architect of the Insurify Quality Score
Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.
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