Compare Cedar Rapids, IA Car Insurance Rates (2021)

Car insurance in Cedar Rapids, IA averages $233 a month. Cedar Rapids, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Cedar Rapids car insurance rates, compare quotes from the top car insurance companies in Cedar Rapids, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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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 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Cedar Rapids for teen drivers is USAA
  • Average car insurance rates in Cedar Rapids, IA are $2,793/year
  • The cheapest car insurance company in Cedar Rapids is USAA

If you need to buy Cedar Rapids, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Cedar Rapids, IA is right here.

You’ll find Cedar Rapids car insurance rates, the cheapest Cedar Rapids, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Cedar Rapids, Iowa car insurance rates to Waterloo car insurance rates, Ankeny car insurance rates, and Council Bluffs car insurance rates.

Ready to find affordable Cedar Rapids, IA car insurance today? Enter your ZIP code for fast, free Cedar Rapids car insurance quotes.

Cheapest Cedar Rapids, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Cedar Rapids, IA car insurance rates? Every Cedar Rapids, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cedar Rapids, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,810 $1,737 $1,614 $1,642 $5,248 $5,910 $1,963 $2,016
American Family $1,783 $1,783 $1,602 $1,602 $4,876 $6,767 $1,783 $2,138
Farmers $1,439 $1,468 $1,287 $1,415 $4,452 $4,758 $1,956 $2,081
GEICO $1,884 $1,696 $1,720 $1,592 $4,461 $4,148 $1,758 $1,613
Liberty Mutual $1,912 $2,066 $1,696 $2,060 $9,850 $11,075 $2,166 $2,378
Nationwide $1,594 $1,625 $1,427 $1,510 $3,827 $4,897 $1,822 $1,969
Progressive $1,630 $1,548 $1,349 $1,402 $4,378 $4,924 $1,962 $2,131
State Farm $1,488 $1,488 $1,335 $1,335 $4,460 $5,602 $1,683 $1,942
Travelers $1,993 $2,030 $1,959 $1,960 $9,173 $14,598 $2,087 $2,425
USAA $1,206 $1,209 $1,115 $1,122 $3,410 $3,592 $1,439 $1,582

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Minimum Car Insurance in Cedar Rapids, IA

Every driver must carry the minimum car insurance in Cedar Rapids, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Cedar Rapids, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Cedar Rapids, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Cedar Rapids, IA. Compare credit history car insurance rates in Cedar Rapids from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Cedar Rapids, Iowa

Insurance Company Poor Fair Good
Allstate $3,274 $2,606 $2,347
American Family $3,556 $2,613 $2,206
Farmers $2,703 $2,244 $2,124
GEICO $2,836 $2,359 $1,882
Liberty Mutual $5,888 $3,674 $2,889
Nationwide $2,819 $2,232 $1,951
Progressive $2,822 $2,314 $2,111
State Farm $3,442 $2,129 $1,679
Travelers $5,076 $4,353 $4,155
USAA $2,400 $1,661 $1,443

Cheapest Cedar Rapids, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Cedar Rapids, IA to rates for a clean record with top companies.

Annual Cedar Rapids, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,331 $2,819 $3,212 $2,608
American Family $2,015 $2,960 $3,826 $2,366
Farmers $2,009 $2,491 $2,533 $2,396
GEICO $1,745 $2,492 $3,328 $1,872
Liberty Mutual $3,580 $4,448 $4,511 $4,063
Nationwide $1,709 $2,426 $3,278 $1,924
Progressive $1,930 $3,221 $2,098 $2,415
State Farm $2,209 $2,624 $2,417 $2,417
Travelers $3,288 $4,414 $5,908 $4,502
USAA $1,394 $1,886 $2,452 $1,606

Cheapest Cedar Rapids, IA Car Insurance for Teen Drivers

Teen car insurance in Cedar Rapids, IA can be expensive. Take a look at rates from the top car insurance companies in Cedar Rapids for teenagers.

Annual Car Insurance Rates for Teen Drivers in Cedar Rapids, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,248 $5,910
American Family $4,876 $6,767
Farmers $4,452 $4,758
GEICO $4,461 $4,148
Liberty Mutual $9,850 $11,075
Nationwide $3,827 $4,897
Progressive $4,378 $4,924
State Farm $4,460 $5,602
Travelers $9,173 $14,598
USAA $3,410 $3,592

Cheapest Cedar Rapids, IA Car Insurance for Seniors

Take a look at Cedar Rapids, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Cedar Rapids, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,614 $1,642
American Family $1,602 $1,602
Farmers $1,287 $1,415
GEICO $1,720 $1,592
Liberty Mutual $1,696 $2,060
Nationwide $1,427 $1,510
Progressive $1,349 $1,402
State Farm $1,335 $1,335
Travelers $1,959 $1,960
USAA $1,115 $1,122

Cheapest Cedar Rapids, IA Car Insurance Rates After a DUI

A DUI in Cedar Rapids, IA increases car insurance rates. Compare Cedar Rapids, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Cedar Rapids, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,212
American Family $3,826
Farmers $2,533
GEICO $3,328
Liberty Mutual $4,511
Nationwide $3,278
Progressive $2,098
State Farm $2,417
Travelers $5,908
USAA $2,452

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Cheapest Cedar Rapids, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Cedar Rapids, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Cedar Rapids, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,678 $2,807
American Family $2,759 $2,824
Farmers $2,357 $2,357
GEICO $2,320 $2,399
Liberty Mutual $4,151 $4,151
Nationwide $2,334 $2,334
Progressive $2,416 $2,416
State Farm $2,358 $2,475
Travelers $4,528 $4,528
USAA $1,768 $1,901

Cheapest Cedar Rapids, IA Car Insurance Rates by ZIP Code

Cedar Rapids car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Cedar Rapids, IA.

Annual Car Insurance Rates by ZIP Code in Cedar Rapids, Iowa

ZIP Code Average Annual Rates
52401 $2,347
52402 $2,379
52403 $2,375
52404 $2,332
52405 $2,391
52411 $2,306

The Best Cheap Car Insurance Companies in Cedar Rapids, IA

Take a look at a side-by-side comparison of the top car insurance companies in Cedar Rapids, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Cedar Rapids, Iowa

Insurance Company Average Annual Rates
Allstate $2,742
American Family $2,792
Farmers $2,357
GEICO $2,359
Liberty Mutual $4,151
Nationwide $2,334
Progressive $2,416
State Farm $2,417
Travelers $4,528
USAA $1,834

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Category Winners: Cheapest Car Insurance in Cedar Rapids, Iowa

Find the cheapest car insurance companies in Cedar Rapids, IA for each category right here.

Best Annual Car Insurance Rates by Company in Cedar Rapids, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cheapest Cedar Rapids, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Cedar Rapids car insurance rates. Find the cheapest Cedar Rapids, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Cedar Rapids, Iowa

Insurance Company Low Medium High
Allstate $2,646 $2,745 $2,836
American Family $2,782 $2,949 $2,644
Farmers $2,247 $2,365 $2,459
GEICO $2,234 $2,359 $2,484
Liberty Mutual $3,977 $4,145 $4,330
Nationwide $2,417 $2,331 $2,253
Progressive $2,272 $2,428 $2,547
State Farm $2,275 $2,434 $2,540
Travelers $4,272 $4,595 $4,717
USAA $1,736 $1,841 $1,926

What affects car insurance rates in Cedar Rapids, Iowa?

What factors can have an impact on Cedar Rapids, IA car insurance? There are several reasons why Cedar Rapids car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Cedar Rapids, Iowa.

Commute Time in Cedar Rapids

The more time you spend in your car the higher the risk of an accident. The average commute length in Cedar Rapids, IA is 17.6 minutes according to City-Data.

Traffic in Cedar Rapids

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Cedar Rapids, IA traffic data from INRIX ranks Cedar Rapids as the 953rd-most congested in the world.

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Compare Car Insurance Quotes in Cedar Rapids, IA

Ready to find affordable Cedar Rapids, Iowa car insurance today? Enter your ZIP code for fast, free Cedar Rapids, IA car insurance quotes.

Free Car Insurance Comparison

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

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