Compare Cedar Rapids, IA Car Insurance Rates (2021)

On average, Cedar Rapids, IA residents pay $232 per month or $2,792 annually for car insurance. However, rates vary depending on your driving record, age, and coverage needs. The cheapest Cedar Rapids, IA car insurance company is USAA, following by Nationwide. Cedar Rapids drivers must carry the Iowa state minimum auto insurance requirements of 20/40/15 in liability coverage.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 30, 2021

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Here's What You Need to Know

  • The cheapest Cedar Rapids, IA car insurance company is USAA, followed by Nationwide
  • Little-to-no traffic congestion helps keep your Cedar Rapids, IA car insurance rates low
  • Cedar Rapids auto insurance rates are less expensive than Council Bluffs but more costly than Iowa City

Are you a Cedar Rapids resident looking for cheap Iowa car insurance? Cedar Rapids, IA car insurance rates average $232 per month $2,792 annually.

The most affordable company in your city is USAA, followed by Nationwide.

Below, compare average costs for car insurance in Cedar Rapids, and learn how to secure cheap car insurance regardless of your age, driving record, and coverage needs.

Monthly Cedar Rapids, IA Car Insurance Rates by ZIP Code

Find more info about the monthly Cedar Rapids, IA car insurance rates by ZIP Code below:

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Cedar Rapids, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates

Which city you live in will have a major affect on car insurance. That’s why it’s essential to compare Cedar Rapids, Iowa against other top US metro areas’ auto insurance rates.

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When you’re ready, enter your ZIP code into our free tool above and compare Cedar Rapids, IA car insurance quotes from the top providers near you.

What is the cheapest car insurance company in Cedar Rapids, IA?

Who are the best Iowa car insurance companies? The cheapest Cedar Rapids, IA car insurance company is USAA, but only military personnel can use its services.

Nationwide sells the next most affordable Cedar Rapids, IA car insurance and is available to everyone.

The cheapest Cedar Rapids, IA auto insurance company can be discovered below. You then might be asking, “How do those rates compare against the average Iowa auto insurance company rates?” We cover that as well.

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Below, see a list of the top insurance providers in your city organize from least to most expensive:

  • USAA – $1,834.48
  • Nationwide – $2,334.04
  • Farmers – $2,357.08
  • GEICO – $2,359.09
  • Progressive – $2,415.73
  • State Farm – $2,416.56
  • Allstate – $2,742.45
  • American Family – $2,791.64
  • Liberty Mutual – $4,150.56
  • Travelers – $4,528.05

Many different factors affect your Iowa car insurance rates.

Your age, neighborhood, driving record, and coverage needs can all influence your premiums.

Compare rates from more than one of the providers listed above to ensure you’re securing your best prices.

Cedar Rapids, Iowa auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a significant role in your Cedar Rapids, IA auto insurance rates. Find the cheapest Cedar Rapids, Iowa auto insurance rates by coverage level below:

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Your credit score will play a major role in your Cedar Rapids, IA auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, Massachusetts, and North Carolina. Find the cheapest Cedar Rapids, Iowa auto insurance rates by credit score below.

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Your driving record will affect your Cedar Rapids auto insurance rates. For example, a Cedar Rapids, Iowa DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Cedar Rapids, IA auto insurance rates by driving record.

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Factors affecting auto insurance rates in Cedar Rapids, IA may include your commute, coverage level, tickets, DUIs, and credit. Controlling these risk factors will ensure you have the cheapest Cedar Rapids, Iowa auto insurance.

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These states no longer use gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, and North Carolina, Pennsylvania. But age is still a big factor because young drivers are considered high-risk drivers in Cedar Rapids. Iowa does use gender, so check out the average monthly auto insurance rates by age and gender in Cedar Rapids, IA.

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What car insurance coverage is required in Cedar Rapids, IA?

All Cedar Rapids residents must carry the Iowa state minimum car insurance limits to drive on the roads legally.

Currently, Iowa requires the following car insurance coverage:

  • $20,000 per person and $40,000 per incident in bodily injury liability coverage
  • $15,000 in property damage liability coverage

Iowa is an at-fault or tort state. If you cause an accident, you’re responsible for paying for the damages to the other party involved.

You use your liability car insurance coverage for this purpose.

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What affects car insurance rates in Cedar Rapids, IA?

Very mild traffic congestion and average to increasing vehicle theft rates impact your Cedar Rapids, IA car insurance quotes.

A traffic scorecard from INRIX ranks Cedar Rapids as the 265th most congested city in America.

The lack of backed-up traffic means fewer chances of getting into an accident during commuter times, lowering your car insurance rates.

According to City-Data, the average commute length for Cedar Rapids residents is 17.5 minutes.

However, the Federal Bureau of Investigation (FBI) recorded 342 vehicle thefts in your city in 2017. That’s a rate of 259.3 thefts per every 100,000 people.

Since then, the auto theft rate has increased above the state average.

Unpredictable Cedar Rapids, IA weather patterns also influence your car insurance costs.

Rainy summers lead to wet road conditions, and the cold winters lead to freezing and ice.

Cedar Rapids, IA Car Insurance: The Bottom Line

Cedar Rapids car insurance rates are average and affordable. By putting in the research ahead of time and comparison shopping online, you’ll quickly secure cheap quotes.

Remember also to seek out car insurance discounts. You may even be able to earn a percentage off for installing an anti-theft device, for example.

Now that you’re ready to buy Cedar Rapids, IA car insurance, enter your ZIP code into our free quote tool below to immediately receive rates from the top providers near you.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Average Monthly Car Insurance Rates by State
Monthly Cedar Rapids, IA Car Insurance Rates by ZIP Code
Cedar Rapids, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Cedar Rapids, IA Car Insurance Rates by Company vs. City Average
Cedar Rapids, IA Car Insurance Rates by Company and Age
The Cheapest Cedar Rapids, IA Car Insurance Rates by Coverage Level
The Cheapest Cedar Rapids, IA Car Insurance Rates by Credit Score
The Cheapest Cedar Rapids, IA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Cedar Rapids, IA
Average Monthly Car Insurance Rates by Age & Gender in Cedar Rapids, IA
Monthly Cedar Rapids, IA Car Insurance Rates by ZIP Code
Cedar Rapids, IA Car Insurance Rates vs. Top US Metro Car Insurance Rates
Cedar Rapids, IA Car Insurance Rates by Company vs. City Average
Cedar Rapids, IA Car Insurance Rates by Company and Age
The Cheapest Cedar Rapids, IA Car Insurance Rates by Coverage Level
The Cheapest Cedar Rapids, IA Car Insurance Rates by Credit Score
The Cheapest Cedar Rapids, IA Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Cedar Rapids, IA
Average Monthly Car Insurance Rates by Age & Gender in Cedar Rapids, IA