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.
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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Cheapest recent rates near Cedar Rapids, Iowa
Drivers using Insurify have found quotes as cheap as $22/mo for liability only and $44/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 May 13, 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 May 13, 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 May 13, 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 May 13, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
The overall average cost of car insurance in Cedar Rapids is $123 per month. This is close to Iowa’s overall average car insurance rate, which is $110 per month.
Cedar Rapids has cheaper average insurance prices than the overall national average of $159 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 $70 per month.
Full-coverage insurance in Cedar Rapids costs an average of $175 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best For
USAA
4.7
$47
$23
Military members and veterans
Farmers
4.2
$66
$32
Students
The General
3.6
$201
$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 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. Criteria are weighted 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 5 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. We update ratings once a year or as more recent information becomes available.
Third-party financial ratings: We use 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 20,000 customer reviews across 155 car insurance companies. We also considered 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 United States, 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 identified the number of states in which insurers offer coverage and company size by market share to score availability and reach.
Best insurer for military members and veterans: USAA
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.5
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$51/mo
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.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.8
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
815
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.
$72/mo
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
Things started out fine six years ago. I got a good rate. However, every year since then, the price has just been increasing. I am a senior citizen with no accidents and I drive 3500 miles per year. I switched companies and am now saving nearly $400 per year. When I contacted my agent twice, I received no response. Fortunately, I got a good response by calling the main number for Farmers. I think I spoke with Del. I would not recommend Farmers due to the high cost.
David - May 13, 2024
Verified
Rip Off
They literally doubled my premium cost in two years, even though I had no accidents or violations. This company seems like a total scam.
Donald - May 13, 2024
Verified
Father's car insurance rates are too high and keep rising for no reason
It's okay, but the continuous rise in rates seems unjustified to me.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.3
A.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
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.
$97/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.
$214/mo
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.
I have been with The General for approximately 5 years without any incentives or discounts, only increases. They claimed it was due to my driving record.
Sharon - May 9, 2024
Verified
Personally, as a retired and disabled individual, I find the cost too high considering my vehicle sits idle for months. I wasn't able to get any discounts for lack of miles driven yearly or age, which my friends have received from other insurance companies.
Personally, as a retired and disabled individual, I find the cost too high considering my vehicle sits idle for months. I wasn't able to get any discounts for lack of miles driven yearly or age, which my friends have received from other insurance companies.
Amber - April 22, 2024
Verified
Disappointed
I was overcharged.
…
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
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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 $23 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, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
23
USAA
25
GEICO
27
American Family
28
Allstate
30
Farmers
35
Safeco
41
Nationwide
47
Travelers
47
Progressive
56
Dairyland
57
Bristol West
63
Midvale Home & Auto
63
Direct Auto
70
Liberty Mutual
70
The General
97
Foremost
104
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 $175 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, May 3 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
48
USAA
51
GEICO
56
American Family
59
Allstate
63
Farmers
72
Travelers
96
Nationwide
98
Safeco
98
Midvale Home & Auto
112
Progressive
113
Direct Auto
138
State Auto
151
Dairyland
164
Liberty Mutual
200
Bristol West
210
The General
214
Foremost
222
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.
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 $29 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 $181 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, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
Auto-Owners
23
30
USAA
25
33
GEICO
27
36
American Family
28
37
Allstate
30
39
Farmers
35
46
Safeco
41
55
Nationwide
47
62
Travelers
47
62
Progressive
56
74
Dairyland
57
75
Bristol West
63
82
Midvale Home & Auto
63
86
Direct Auto
70
93
Liberty Mutual
70
101
The General
97
129
Foremost
104
150
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 $197 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, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Accident
Auto-Owners
23
32
USAA
25
35
GEICO
27
38
American Family
28
40
Allstate
30
42
Farmers
35
49
Safeco
41
56
Nationwide
47
67
Travelers
47
67
Progressive
56
81
Dairyland
57
81
Bristol West
63
88
Midvale Home & Auto
63
94
Direct Auto
70
102
Liberty Mutual
70
108
The General
97
140
Foremost
104
160
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 insurancewith the state after a DUI conviction to restore your driving privileges. In Cedar Rapids, drivers pay an average of $222 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, May 3 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With DUI
Auto-Owners
23
40
USAA
25
43
GEICO
27
47
American Family
28
49
Allstate
30
52
Farmers
35
61
Safeco
41
71
Nationwide
47
82
Travelers
47
82
Progressive
56
97
Dairyland
57
99
Bristol West
63
110
Midvale Home & Auto
63
110
Direct Auto
70
122
Liberty Mutual
70
122
The General
97
169
Foremost
104
181
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 $77 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, May 3 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
16
33
USAA
17
35
American Family
19
40
GEICO
19
39
Allstate
21
44
Farmers
24
49
Safeco
29
69
Nationwide
30
63
Travelers
32
65
Progressive
35
70
Dairyland
40
115
Midvale Home & Auto
42
74
Bristol West
44
147
Direct Auto
47
92
Liberty Mutual
48
137
The General
70
154
Foremost
71
151
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 $206 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, May 3 at 12:00 PM PDT.
Insurance Company
Liability Only
Full Coverage
Auto-Owners
38
80
USAA
40
81
GEICO
41
84
American Family
47
100
Allstate
50
106
Farmers
59
122
Nationwide
77
161
Travelers
81
166
Safeco
84
200
Dairyland
92
265
Progressive
98
197
Bristol West
103
344
Midvale Home & Auto
106
188
Direct Auto
123
243
Liberty Mutual
126
360
The General
151
333
Foremost
177
378
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 $123 per month, while the state average is $110.
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.
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.
The average cost of car insurance in Cedar Rapids is $70 per month for liability insurance and $175 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 $23, $25, and $27 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
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.
Nolo. "Iowa Motor Vehicle Financial and Safety Responsibility Act."
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.
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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