The overall average cost of car insurance in Cedar Rapids is $92 per month. This is close to Iowa’s overall average car insurance rate, which is $82 per month.

Cedar Rapids has cheaper average insurance prices than the overall national average of $144 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

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.

Best insurer for military members and veterans: USAA

Best insurer for students: Farmers

Best insurer for drivers with a DUI: The General

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.

Cheapest liability-only car insurance in Cedar Rapids: State Farm

The cheapest liability car insurance in Cedar Rapids comes from State Farm, with a rate of $26 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.

Cheapest full-coverage car insurance in Cedar Rapids: State Farm

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 $121 per month. The table below shows the cheapest car insurance companies for full coverage in the city.

Car insurance requirements in Iowa

Iowa requires all drivers to meet the following minimum coverage requirements:4

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:

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.

Cheapest car insurance for drivers with a speeding ticket: State Farm

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 $121 per month in Cedar Rapids.

The table below shows the cheapest car insurance for drivers with a speeding ticket on their record.

Cheapest car insurance for drivers with an at-fault accident: State Farm

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 $128 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.

Cheapest car insurance for drivers with a DUI: State Farm

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 $129 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.

Cheapest car insurance for seniors: State Farm

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 $74 per month. But some insurers provide more affordable coverage for seniors than others. The table below shows other cheap insurance options for seniors.

Cheapest car insurance for teens: State Farm

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 $201 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.

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.

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 $92 per month, while the state average is $82.

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.