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 $25 per month.

Christy Rakoczy
Written byChristy Rakoczy
Christy Rakoczy
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 Mikulski
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 May 23, 2024

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Cheapest recent rates near Cedar Rapids, Iowa

Drivers using Insurify have found quotes as cheap as $25/mo for liability only and $52/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 23, 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 23, 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 23, 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 23, 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 $122 per month. This is close to Iowa’s overall average car insurance rate, which is $109 per month.

Cedar Rapids has cheaper average insurance prices than the overall national average of $160 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 $71 per month.

  • Full-coverage insurance in Cedar Rapids costs an average of $174 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 CompanyIQ 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 CoverageLiability OnlyBest For
USAA4.7$48$23Military members and veterans
Farmers4.2$67$32Students
The General3.6$203$90Drivers 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

Compare personalized, real-time quotes
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.
4.7
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.
$26/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.
$53/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.

Pros
  • Highly rated customer service

  • Bundling coverage available

Cons
  • Restrictive membership eligibility

  • No gap insurance

Read our USAA review
Billy - May 22, 2024
Verified

USAA

The price became too expensive.

Stephanie - May 22, 2024
Verified

Customer Service Review

The customer service is always professional and helpful. I am thankful for the great people they employ.

Richard - May 21, 2024
Verified

No

Good company.

Best insurer for students: Farmers

Compare personalized, real-time quotes
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.
4.2
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.
$36/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.
$74/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

  • Doesn’t offer gap insurance

Read our Farmers review
Gerald - May 22, 2024
Verified

No Loyalty

There's no loyalty to longtime customers.

Don - May 21, 2024
Verified

Offered various options for all my insurable items. The best personal service I have ever had!

5-star service, but the prices are steep.

Donald - May 21, 2024
Verified

Too High Rates by Farmers Insurance

They keep increasing the rates on my policy for no apparent reason, which is terrible.

Best insurer for drivers with a DUI: The General

Compare personalized, real-time quotes
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.
3.6
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.
$101/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.
$227/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.

Pros
  • Provides SR-22 forms

  • A+ AM Best rating

Cons
  • Limited coverage options

  • No local agents in Cedar Rapids

Read our The General review
Michael - May 15, 2024
Verified

Hard to Reach Customer Service

Consider choosing another provider.

Brent - May 14, 2024
Verified

Rates were higher for me

The only reason I left the General is because my rates were much higher with them than with everyone else.

Jonathan - May 13, 2024
Verified

No Thanks, Shaq

They purposely added my second vehicle twice, changing just one digit of the VIN number, so my policy premium would be higher. Deception is a big red flag.

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 $25

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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 $25 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners25
USAA26
GEICO28
American Family30
Allstate31
Farmers36
Safeco43
Nationwide48
Travelers48
Progressive57
Dairyland58
Bristol West65
Direct Auto69
Liberty Mutual75
Root83
The General101
Foremost109
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 $174 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyAverage Monthly Quote
Auto-Owners49
USAA53
GEICO57
American Family60
Allstate65
Farmers74
Safeco96
Nationwide98
Travelers98
Midvale Home & Auto103
Progressive116
Root135
Direct Auto138
Dairyland172
Liberty Mutual218
Bristol West220
The General227
Foremost234
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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Car insurance requirements in Iowa

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

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    Comprehensive coverage

    Comprehensive coverage pays for vehicle damages and losses in non-collision events, like theft, vandalism, weather events, falling objects, and more.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/9997698e9e/emergency-roadside-service.svg

    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 $32 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 $178 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2533
USAA2634
GEICO2837
American Family3039
Allstate3141
Farmers3647
Safeco4357
Nationwide4864
Travelers4863
Progressive5775
Dairyland5877
Bristol West6585
Direct Auto6992
Liberty Mutual75108
Root83115
The General101134
Foremost109158
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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2535
USAA2637
GEICO2840
American Family3043
Allstate3144
Farmers3651
Safeco4359
Nationwide4869
Travelers4869
Progressive5782
Dairyland5883
Bristol West6591
Direct Auto69100
Liberty Mutual75116
Root83125
The General101146
Foremost109169
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 $221 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2544
USAA2645
GEICO2849
American Family3052
Allstate3154
Farmers3663
Safeco4375
Nationwide4884
Travelers4884
Progressive57100
Dairyland58101
Bristol West65113
Direct Auto69120
Liberty Mutual75131
Root83145
The General101176
Foremost109190
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 $78 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1734
USAA1837
GEICO2040
American Family2141
Allstate2246
Farmers2551
Nationwide3164
Safeco3168
Travelers3368
Progressive3673
Dairyland41122
Bristol West46156
Direct Auto4793
Liberty Mutual52151
Root6098
The General73165
Foremost75161
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 $207 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: Thursday, May 23 at 12:00 PM PDT
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners4282
USAA4285
GEICO4387
American Family51102
Allstate53110
Farmers62127
Nationwide80162
Travelers84171
Safeco88196
Dairyland94280
Progressive100204
Bristol West107364
Direct Auto122245
Root123200
Liberty Mutual136395
The General158356
Foremost187402
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 $122 per month, while the state average is $109.

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.

CityAverage Quote: Liability OnlyAverage Quote: Full Coverage
Council Bluffs$67$188
Davenport$69$168
Des Moines$70$175
Sioux City$65$174
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 $71 per month for liability insurance and $174 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 $25, $26, 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
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.

Sources

  1. U.S. Census Bureau. "Population Density of the 50 States, the District of Columbia, and Puerto Rico: 1910 to 2020."
  2. Insurance Institute for Highway Safety. "Fatality Facts 2021: State by state."
  3. Iowa Code 2023. "515.103 Use of credit information — personal insurance."
  4. Iowa Insurance Division. "Automobile Insurance."
  5. Iowa Department of Transportation. "Speeding Convictions by County of Occurrence 2012-2021."
  6. National Institute on Aging. "Safe Driving for Older Adults."
  7. Centers for Disease Control and Prevention. "Teen Drivers and Passengers: Get the Facts."
  8. Nolo. "Iowa Motor Vehicle Financial and Safety Responsibility Act."
Christy Rakoczy
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 Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
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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