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 $23 per month.

Courtney Mikulski
Courtney MikulskiSenior Editor, Auto
  • Más de 3 años produciendo contenidos sobre seguros y finanzas personales

  • Principal artífice de la puntuación de calidad de Insurify

Los profundos conocimientos de Courtney sobre finanzas personales van más allá de los seguros y abarcan las tarjetas de crédito, los préstamos al consumidor y la banca. Le encanta crear contenidos prácticos.

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Actualizado el 6 de mayo de 2024

Compara cotizaciones de 70+ companías de seguros y ahorra hasta $717

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Basado en más de 3806 reseñas
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At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.

We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.

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Las tarifas más baratas encontradas recientemente en Iowa

Los conductores que utilizan Insurify han encontrado cotizaciones tan baratas como $22/mes para solo responsabilidad y $44/mes para cobertura total en Iowa.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

*Cotizaciones generadas para los usuarios de Insurify en los últimos 10 días. Actualizado el 6 de mayo de 2024

Las tarifas que se muestran son cotizaciones de usuarios de Insurify en tiempo real de más de 100 compañías de seguros y datos de Quadrant Information Services. El algoritmo de Insurify excluye las cotizaciones anómalas y anonimiza los datos personales. Luego, muestra las cotizaciones detalladas por precio, fecha y popularidad de la aseguradora hasta hace 10 días a partir de 6 de mayo de 2024. Las cotizaciones reales pueden variar según el perfil de conductor único del comprador de la póliza.

The overall average cost of car insurance in Cedar Rapids is $123 per month. This is close to Iowa’s overall average car insurance rate, which is $110 per month.

Cedar Rapids has cheaper average insurance prices than the overall national average of $159 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]

Datos Breves
  • The average cost of liability-only coverage in Cedar Rapids is $70 per month.

  • Full-coverage insurance in Cedar Rapids costs an average of $175 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$47$23Military members and veterans
Farmers4.2$66$32Students
The General3.6$201$89Drivers with a DUI
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.
  • El puntaje compuesto de Insurify (ICS) es una marca propietaria calculada por nuestro equipo de analistas, que se basa en múltiples factores que reflejan la calidad, la fiabilidad, y la salud financiera de una compañía de seguros.

    Los factores de entrada a la puntuación se incluyen en el puntaje de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntajes de J.D. Power; encuestas de satisfacción de los consumidores de Consumer Reports y de reclamaciones de los consumidores; opiniones de los usuarios sobre la aplicación móvil; y opiniones de los usuarios sobre la compañía.

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.
4.5
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.
$25/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.
$51/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.

Ventajas
  • Highly rated customer service

  • Bundling coverage available

Contras
  • Restrictive membership eligibility

  • No gap insurance

Read our USAA review
Bill - April 22, 2024
Verified

Reluctant Switcher

Excellent, very positive! I only switched to consolidate our farm property insurance together with auto policies.

Marvin - April 21, 2024
Verified

Excellent

So far, so good.

Robert - April 19, 2024
Verified

USAA is the finest. Period.

I've been a member for over 50 years, and have always been pleased with the service. It's a first-class organization.

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.
3.8
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.
$35/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.
$72/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.

Ventajas
  • Student-specific discounts available

  • Bundling available

Contras
  • Below-average J.D. Power customer satisfaction rating in the Central region

  • Doesn’t offer gap insurance

Read our Farmers review
Elizabeth - April 22, 2024
Verified

It's too expensive. The rates increased by roughly $700.00 this year. I would not recommend it based on these rates.

It's too expensive. The rates increased by roughly $700.00 this year. I would not recommend it based on these rates.

Maria - April 21, 2024
Verified

No

I have had good experiences with other insurance companies I've been with before. I came to Farmers because they bought the insurance company I was with at that time.

Virginia M - April 20, 2024
Verified

High Rates for Good Drivers

The experience with the agent was excellent, but the rates are terrible. I am 91 years old and I've never had a ticket for speeding or drunk driving. The only claim I ever had was when a deer ran into me in Minnesota. In Minnesota, that is not considered a chargeable accident against the driver. Currently, your rates are so high. Almost $200 a month is too much considering my good record and minimal driving. I have tried everything I can think of to find something cheaper. The office staff is great and I hate to leave them, but I have to find something more affordable. If I had a bad record, that $200 amount per month would be acceptable.

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.
3.3
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 aaa (exceptional) to c (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.
$97/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.
$214/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.

Ventajas
  • Provides SR-22 forms

  • A+ AM Best rating

Contras
  • Limited coverage options

  • No local agents in Cedar Rapids

Read our The General review
Amber - April 22, 2024
Verified

Disappointed

I was overcharged.

Jaime - April 20, 2024
Verified

Too expensive

It's too expensive for me.

Eric - April 20, 2024
Verified

No

Extremely overpriced.

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 $23

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $23 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
Auto-Owners23
USAA25
GEICO27
American Family28
Allstate30
Farmers35
Safeco41
Nationwide47
Travelers47
Progressive56
Dairyland57
Bristol West63
Midvale Home & Auto63
Direct Auto70
Liberty Mutual70
The General97
Foremost104
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $175 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyAverage Monthly Quote
Auto-Owners48
USAA51
GEICO56
American Family59
Allstate63
Farmers72
Travelers96
Nationwide98
Safeco98
Midvale Home & Auto112
Progressive113
Direct Auto138
State Auto151
Dairyland164
Liberty Mutual200
Bristol West210
The General214
Foremost222
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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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 $29 per month for drivers with an incident

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $181 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Speeding Ticket
Auto-Owners2330
USAA2533
GEICO2736
American Family2837
Allstate3039
Farmers3546
Safeco4155
Nationwide4762
Travelers4762
Progressive5674
Dairyland5775
Bristol West6382
Midvale Home & Auto6386
Direct Auto7093
Liberty Mutual70101
The General97129
Foremost104150
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith Accident
Auto-Owners2332
USAA2535
GEICO2738
American Family2840
Allstate3042
Farmers3549
Safeco4156
Nationwide4767
Travelers4767
Progressive5681
Dairyland5781
Bristol West6388
Midvale Home & Auto6394
Direct Auto70102
Liberty Mutual70108
The General97140
Foremost104160
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $222 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyClean Driving RecordWith DUI
Auto-Owners2340
USAA2543
GEICO2747
American Family2849
Allstate3052
Farmers3561
Safeco4171
Nationwide4782
Travelers4782
Progressive5697
Dairyland5799
Bristol West63110
Midvale Home & Auto63110
Direct Auto70122
Liberty Mutual70122
The General97169
Foremost104181
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $77 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners1633
USAA1735
American Family1940
GEICO1939
Allstate2144
Farmers2449
Safeco2969
Nationwide3063
Travelers3265
Progressive3570
Dairyland40115
Midvale Home & Auto4274
Bristol West44147
Direct Auto4792
Liberty Mutual48137
The General70154
Foremost71151
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $206 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: viernes, 3 de mayo, 0:00 p. m. GMT-7
Insurance CompanyLiability OnlyFull Coverage
Auto-Owners3880
USAA4081
GEICO4184
American Family47100
Allstate50106
Farmers59122
Nationwide77161
Travelers81166
Safeco84200
Dairyland92265
Progressive98197
Bristol West103344
Midvale Home & Auto106188
Direct Auto123243
Liberty Mutual126360
The General151333
Foremost177378
Descargo de responsabilidad: Datos en esta tabla encontrados en cotizaciones reales de las 50+ aseguradoras asociadas con Insurify, más estimaciones de Quadrant Information Services. las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

Find Car Insurance in Cedar Rapids

Get customized quotes from top auto insurers

Seguro. Gratis. Fácil de usar.
Basado en más de 3806 reseñas
4.8/5
Shopper Approved
ProgressiveLiberty MutualTravelers

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 $123 per month, while the state average is $110.

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$74$193
Davenport$73$173
Des Moines$74$182
Sioux City$68$178
Descargo de responsabilidad: las cotizaciones reales variarán en función del perfil de conductor único del asegurado.

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 $70 per month for liability insurance and $175 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 $23, $25, and $27 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]

Metodología

Las cotizaciones de seguros de auto que se muestran se basan en un análisis de la base de datos de Insurify de más de 40 millones de cotizaciones de 500 códigos ZIP a nivel nacional. Para obtener las tarifas representativas, el equipo de datos de Insurify realiza análisis exhaustivos frecuentes de los factores utilizados por las aseguradoras de autos para calcular tarifas, incluyendo datos demográficos del conductor, historia del conductor, puntuación de crédito, nivel de cobertura deseado y más.

El análisis de Insurify también incorpora la puntuación compuesta Insurify (ICS) asignada a cada compañía de seguros. La ICS es una puntuación propietaria que pesa factores que reflejan la calidad, fiabilidad y salud de una compañía de seguros. Las puntuaciones utilizadas para calcular la ICS incluyen las puntuaciones financieras de A.M. Best, Standard & Poor’s, Moody’s, y Fitch; puntuaciones de J.D. Power; encuestas de satisfacción de consumidores de Consumer Reports y denuncias de consumidores; opiniones de los usuarios en las aplicaciones móviles y opiniones de los usuarios en las compañías; y las opiniones de los usuarios en las compañías.

Con los análisis y métodos de clasificación anteriores, Insurify es capaz de ofrecer a los consumidores de seguros de autos una perspectiva de cómo varían las cotizaciones de las compañías de seguros en relación a uno a uno en términos de costo y calidad. Tenga en cuenta que las cotizaciones reales varían según los atributos únicos incluidos en la poliza del conductor y su dirección de garaje.

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."

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