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Nick Versaw leads Compare.com's editorial department, where he and his team specialize in crafting helpful, easy-to-understand content about car insurance and other related topics. With nearly a decade of experience writing and editing insurance and personal finance articles, his work has helped readers discover substantial savings on necessary expenses, including insurance, transportation, health care, and more. As an award-winning writer, Nick has seen his work published in countless renowned publications, such as the Washington Post, Los Angeles Times, and U.S. News & World Report. He graduated with Latin honors from Virginia Commonwealth University, where he earned his Bachelor's Degree in Digital Journalism.
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John Leach is a licensed insurance agent who reviews and fact-checks articles for Compare.com. John has several years of experience reviewing and editing various insurance topics, and he also holds a valid personal lines producer license from the California Department of Insurance (NPN #20461358).
He’s also an alumnus of the University of California, Santa Barbara, where he earned a bachelor’s degree in linguistics.
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Car insurance in Cedar Rapids costs an average of $97 per month, according to Compare.com data. Drivers in Cedar Rapids often enjoy lower rates than in many other cities due to the area’s relatively low crime rates[1] and less congested traffic patterns. And that’s on top of Iowa’s already cheap rates.
Even so, many companies offer policies to Cedar Rapids residents for far less. Our data shows that State Farm, Auto-Owners, and USAA have some of the most competitive average rates in the area.
This article covers the cheapest insurers in Cedar Rapids for various driver types, tips on choosing the right company, and strategies to save on your car insurance.
State Farm offers the cheapest car insurance in Cedar Rapids, with an average monthly rate of $25.
Liability coverage costs around $65 per month in Cedar Rapids, while full coverage averages $129.
Iowa requires all drivers to maintain minimum liability coverage of 20/40/15, plus uninsured motorist coverage.
Even with the city’s relatively low average rates, you can find several insurance companies offering car insurance for less than what most Cedar Rapids drivers pay. To give you an idea of which companies to check out first, the table below shows the insurers that consistently provide the most affordable options for local drivers.
Company  | Average Monthly Premium |
|---|---|
| State Farm | $25 |
| Auto-Owners | $39 |
| USAA | $42 |
| American Family | $49 |
| GEICO | $50 |
| Allstate | $52 |
| Farmers | $59 |
| Safeco | $59 |
| National General | $60 |
| Bristol West | $61 |
| Direct Auto | $72 |
| Progressive | $72 |
| Dairyland | $73 |
| Root | $74 |
| Nationwide | $79 |
| Travelers | $79 |
| Liberty Mutual | $82 |
| The General | $91 |
| Foremost | $104 |
State Farm leads the pack among Cedar Rapids insurers with the lowest average rate — just $25 per month, according to our data. But keep in mind that just because a company offers the cheapest average, it may not be the most affordable option for everyone.
With that in mind, the sections below break down the cheapest options by driver profile and coverage type.
Your personal rates can differ significantly from the above averages depending on your age, driving record, credit history, and where you live in Cedar Rapids. That’s why it’s important to compare quotes from companies that typically offer good rates for drivers like you.
The following breakdown shows the most affordable insurers for different Cedar Rapids driver profiles and coverage types, based on our research.
Driver/Coverage Type | Cheapest Insurer | Insurer’s Average Monthly Premium |
|---|---|---|
| State-minimum coverage | State Farm | $25 |
| Full coverage | State Farm | $44 |
| Teens | State Farm | $53 |
| Seniors | State Farm | $19 |
| Drivers with a speeding ticket | State Farm | $32 |
| Drivers with an at-fault accident | State Farm | $34 |
| Drivers with a DUI | State Farm | $36 |
| Drivers with excellent credit | State Farm | $22 |
| Drivers with poor credit | State Farm | $34 |
Policies in Cedar Rapids start as low as $25 per month.
Car insurance that meets Iowa’s minimum requirements averages just $65 per month in Cedar Rapids, according to Compare.com data. But keep in mind that most insurance experts recommend purchasing more than the state minimum because these basic limits often won’t cover the full cost of a serious accident, leaving you responsible for paying the remaining expenses yourself.[2]
That said, if you need basic coverage that just meets Iowa’s minimum requirements, the chart below highlights the five most affordable options in Cedar Rapids, according to our data.
While liability insurance is typically the cheapest option available, most drivers benefit from purchasing full coverage. That’s because it financially protects both your liability to others and your own vehicle. These types of policies typically include comprehensive and collision insurance on top of the state’s required liability and uninsured motorist coverages.
Plus, any lender will require you to maintain full coverage throughout your loan or lease term to protect their financial interest in your vehicle.[3]
Full coverage in Cedar Rapids averages $129 monthly, but several insurers offer full coverage for close to what you’d pay for liability-only protection elsewhere. This includes the companies highlighted in the chart below, which shows the five cheapest full-coverage options available to Cedar Rapids drivers.
Teen drivers face some of the highest insurance rates of any age group because they lack driving experience and cause more accidents than older drivers.[4] Insurance companies view this inexperience as a significant risk factor when calculating premiums and charge teens more to make up for that added risk.
Nationwide, insurers charge teens nearly double what drivers 20 and older pay for the same coverage. In Cedar Rapids specifically, teens average $225 monthly. But you can still find reasonable rates if you’re a teen driver or have one on your policy. To start, check out the five insurers shown in the chart below.
Unlike teens, senior drivers typically enjoy the lowest insurance rates of any age group. That’s because they have decades of driving experience and generally drive fewer miles than younger drivers[5] — two factors that contribute to cheaper coverage.
Seniors in Cedar Rapids pay an average of $79 per month for car insurance, but you can often find even better deals with the right company.
Below, you’ll find the five insurers offering the best rates for senior drivers in Cedar Rapids, according to Compare.com data.
Getting a traffic ticket typically increases your insurance rates when your policy renews since insurers view tickets as indicators of risky driving.[6] Our research shows that even a single speeding ticket causes rates to jump by an average of 28% nationwide.
Cedar Rapids drivers with a recent ticket pay an average of $135 per month, but you can often avoid these hefty rate hikes entirely by switching coverage to another company.
The following chart shows which five insurers provide the best rates for Cedar Rapids drivers with recent tickets, according to our data.
Causing an accident can lead to big rate increases, substantially more than for a ticket. That’s because it signals to insurers that you’re more likely to cause accidents and file claims in the future. In fact, our data shows that a single at-fault accident increases average rates by 33% nationwide.
Drivers with a recent accident in Cedar Rapids pay an average of $143 monthly, but you can often find better deals with one of the five insurers shown below.
A DUI conviction causes the most dramatic increase in car insurance rates of any infraction. Our research shows average rates increase by a whopping 59% nationwide after a DUI conviction. Cedar Rapids drivers with a DUI pay an average of $140 per month for car insurance, according to our data.
Beyond these higher rates, getting a DUI can make finding coverage challenging since many insurers consider DUI drivers too risky to insure. But fortunately, some insurers specialize in high-risk drivers like people with DUI convictions.[7] That means you’re likely not stuck with sky-high rates forever.
These five insurers offer the most competitive rates for Cedar Rapids drivers with DUI convictions, according to Compare.com data.
Many insurance companies check your credit history when calculating rates because insurers have found statistical correlations between credit history and insurance claims. Companies use a credit-based insurance score to predict your likelihood of missing payments or filing claims.[8] The lower your score, the more you’ll pay for coverage.
For example, our research shows drivers with poor credit pay 40% more than people with excellent credit scores. In Cedar Rapids, car insurance for drivers with poor credit averages $117 per month. But not all companies use credit in their pricing, and some offer very affordable rates regardless of your credit history.
Here are the five cheapest options for Cedar Rapids drivers with poor credit, according to Compare.com data.
Compare personalized quotes from Cedar Rapids’ top insurers.
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Iowa requires all drivers to have at least a certain amount of car insurance coverage to legally drive in the state. Here are Iowa’s specific minimum coverage requirements:[9]
Bodily injury liability: $20,000 per person and $40,000 per accident
Property damage liability: $15,000 per accident
Most experts recommend buying coverage above Iowa’s minimum limits because these basic amounts often won’t cover the full cost of a serious accident. And if you finance or lease your vehicle, your lender will require you to maintain comprehensive and collision coverage to protect their investment.
For example, imagine you cause an accident that seriously injures someone. Medical bills could easily exceed $20,000 per person, leaving you personally responsible for paying anything above these limits. Typically, increasing liability limits costs only a few bucks a month, so it’s worth considering.
Here are the answers to some of the most common questions about car insurance in Cedar Rapids.
Car insurance in Cedar Rapids costs an average of $65 monthly for liability coverage and $129 for full coverage, according to Compare.com data.
Generally, no. The average car insurance rate in Cedar Rapids is $97 per month, compared to the national average of $149, according to our data.
State Farm offers the cheapest car insurance in Cedar Rapids, according to Compare.com data. The company has an average liability rate of just $25 per month.
Our editorial team created this article with the help of highly trained generative AI tools. Additionally, multiple insurance experts — including at least one licensed agent — have rigorously reviewed, fact-checked, and edited every word and data point you see here.
We write, edit, and review all the content on Compare.com according to our strict editorial standards, regardless of how we created it. Learn more about our editorial process.
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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