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Cheap Auto Insurance Quotes in Cedar Rapids, IA (June 2022)
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Edited by Olivia Oksenhorn | Reviewed by licensed insurance agent, Amber Benka
Last Updated February 4, 2022
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Car Insurance in Cedar Rapids, IA
The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Cedar Rapids, IA to find you the cheapest quotes in the area.
Quick Facts
- The average cost of car insurance in Cedar Rapids is $188 per month, or $2256 annually.
- Car insurance in Cedar Rapids is $46 more than the average cost of car insurance in Iowa.
- The cheapest car insurance provider in Cedar Rapids on average is Liberty Mutual, but you should always compare quotes to find your best personal rate.
Quotes by Top Companies
Progressive$25
State Farm$39
Allstate$41
Nationwide$77
The General$140
Cheapest Car Insurance in Cedar Rapids, IA
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Cedar Rapids | Quotes |
|---|---|
| Progressive | $25 /mo |
| State Farm | $39 /mo |
| Allstate | $41 /mo |
| Nationwide | $77 /mo |
| The General | $140 /mo |
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Average Car Insurance Cost
| Iowa Cities | |
|---|---|
| Des Moines | $70/mo |
| Davenport | $92/mo |
| Sioux City | $85/mo |
| Iowa City | $178/mo |
| Cedar Rapids | $64/mo |
| Iowa | $98/mo |
Cedar Rapids$64
Des Moines$70
Sioux City$85
Davenport$92
Average for IA$98
Iowa City$178
Click here to learn about car insurance quotes and save on your current policy.
Minimum Car Insurance Requirements in Iowa
All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:
- Requested by law enforcement
- Renewing vehicle registration
- The vehicle is involved in a car accident
The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:
- $20,000 per person for bodily injury
- $40,000 per accident for bodily injury
As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.
- $15,000 per accident for property damage
If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.
Find local Cedar Rapids agents
The Accel Group LLC
5500 Fountains Drive NE Ste 201,
Cedar Rapids, IA 52411Peritia Senior Advisors LLC
465 Northland Ave NE Ste 102,
Cedar Rapids, IA 52402Klug Insurance Services Inc
2750 1st Ave NE Ste 240,
Cedar Rapids, IA 52402-4831Stamy Agency Inc
2841 Johnson Avenue NW Ste 1,
Cedar Rapids, IA 52405Platinum Insurance Partners Inc dba Weinstein Insurance
700 1st Avenue NE Ste 101,
Cedar Rapids, IA 52401Dupaco Insurance Services
3131 Williams Blvd SW,
Cedar Rapids, IA 52404Holmes Murphy & Assoc
201 1st St SE Ste 700,
Cedar Rapids, IA 52401-1424Daley Insurance Agency Inc
6405 Casey Lane NE,
Cedar Rapids, IA 52411Weinstein Insurance
700 1st Avenue NE Ste 101,
Cedar Rapids, IA 52401Holmes Murphy & Associates
4000 River Ridge Dr NE,
Cedar Rapids, IA 52401
FAQs - Cedar Rapids, IA Car Insurance
Insurance companies weigh multiple factors when calculating your car insurance rates, including your age, driving history, type of vehicle, and even your marital status. Not only do states have different laws and limits surrounding minimum liability coverage, but where you live within your state could also affect your driver risk profile. Insurance companies use your ZIP code to analyze your area’s weather patterns, rates of vehicle theft, likelihood of vandalism, average traffic congestion, and other factors that might lead you to file an insurance claim. If you want to pay the lowest possible rate on your car insurance policy, opt for state minimum coverage. This is the cheapest level of car insurance coverage your state will allow. Comparing real, ready-to-purchase quotes on a car insurance comparison site like Insurify can find you the lowest rates for your area, risk profile, and financial needs. Car insurance rates vary by state, driver, and company. Click here to find the cheapest car insurance quotes and companies in your area. If you’re looking for rates tailored to you, use Insurify to compare up to 10+ real quotes for your specific driver profile and unlock savings and discounts.
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Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
Insurify Insights
How Cedar Rapids Drivers Measure Up
While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Cedar Rapids, Iowa below:
Methodology
Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Cedar Rapids drivers measure up to their fellow motorists across Iowa in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.
Chevrolet Impala
Most Popular Car in Cedar Rapids
#10
City with the Most Speeding Tickets Rank in Iowa
#5
City with the Most Moving Violations Rank in Iowa
#8
City with the Most DUIs Rank in Iowa
#13
City with the Most Suspended Licenses in Iowa
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Cedar Rapids drivers rank 5 in the number of car accidents per driver across all cities in Iowa.
- Rank within state: #5
- Percent of drivers in Cedar Rapids with an accident: 12.57%
- Drivers in Cedar Rapids, IA with an accident in their driving history pay on average 42.97% more than drivers with a clean record
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Cedar Rapids drivers rank 10 in the number of speeding infractions per driver.
- Rank within state: #10
- Percent of drivers in Cedar Rapids with a speeding ticket: 14.46%
- Drivers in Cedar Rapids, IA with a speeding ticket in their driving history pay on average 37.5% more than drivers with a clean record
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Cedar Rapids drivers rank 8 in the number of DUI’s per driver across all cities in Iowa.
- Rank within state: #8
- Percent of drivers in Cedar Rapids with a DUI: 2.77%
- Drivers in Cedar Rapids, IA with a DUI in their driving history pay on average 3.13% more than drivers with a clean record
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Cedar Rapids is the Chevrolet Impala.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Iowa, Cedar Rapids drivers rank 5 in rude driving infractions.
- Rank within state: #5
- Percent of drivers in Cedar Rapids with a reckless driving violation: 2.57%
- Drivers in Cedar Rapids, IA with a reckless driving violation in their driving history pay on average 30.47% more than drivers with a clean record.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Cedar Rapids drivers rank 3 in clean driving records across all cities in Iowa.
- Rank within state: #3
- Percent of drivers in Cedar Rapids with clean record: 74.55%
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Cedar Rapids drivers rank 6 in failure to yield violations per driver across all cities in Iowa.
- Rank within state: #6
- Percent of drivers in Cedar Rapids with a failure to yield violation: 0.5%
- Drivers in Cedar Rapids, IA with a failure to yield violation in their driving history pay on average 0% more than drivers with a clean record
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Iowa, Cedar Rapids drivers rank 5 in the number of reckless driving offenses per driver.
- Rank within state: #5
- Percent of drivers in Cedar Rapids with a reckless driving offense: 0%
As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Cedar Rapids drivers rank 8 in hybrid and electric vehicle ownership across all cities in Iowa.
- Rank within state: #8
- Percent of drivers in Cedar Rapids with a hybrid/electric vehicle: 0.69%
Insurify Insights
Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.
Content Manager at Insurify
Tanveen Vohra is a content manager at Insurify specializing in writing property and casualty insurance content. Through her content, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions. Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.
Sources
- Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022