Cheapest Car Insurance In Cedar Rapids, IA 2024

If you’re looking for the cheapest car insurance in Cedar Rapids, IA, West Bend Mutual is your best bet, with an average cost of just $14 a month.

We’ve saved shoppers an average of $600 per year on their car insurance.

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Updated: 19 August 2024
Written by Bob Phillips
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When searching for the cheapest car insurance in Cedar Rapids, IA, prices can vary widely.

For those seeking the lowest rates for liability-only coverage, West Bend Mutual is the best option. Drivers who need more comprehensive protection will also find that West Bend Mutual offers the best rates for full coverage policies. For young drivers, State Farm provides the most affordable rates.

Cheapest Car Insurance Companies In Cedar Rapids, IA 2024

West Bend Mutual logo
Cheapest For Minimum Coverage - West Bend Mutual
West Bend Mutual logo
Cheapest For Full Coverage - West Bend Mutual
Hastings Mutual Insurance
Cheapest For Seniors - Hastings Mutual Insurance Co
state-farm-icon-logo-red
Cheapest For Teenagers - State Farm
Cheapest Car Insurance, Cedar Rapids, 2024

Cheapest Full Coverage Car Insurance In Cedar Rapids: West Bend Mutual

West Bend Mutual offers the most affordable full coverage car insurance in Cedar Rapids, with average quotes of $50 per month.

Provider Average Monthly Cost Average Annual Cost
West Bend Mutual $50 $600
Progressive $67 $804
Grange Insurance $65 $780
American Family $70 $840
Auto-Owners Insurance Co $62 $744

Full coverage car insurance offers extensive protection beyond the basic coverage required by law. It typically combines comprehensive and collision coverage. Comprehensive coverage protects against non-collision incidents like theft, vandalism, or natural disasters, while collision coverage provides financial protection for vehicle damages resulting from accidents, regardless of who is at fault.

Cheapest Minimum Coverage Car Insurance In Cedar Rapids: West Bend Mutual

West Bend Mutual offers the least expensive minimum coverage car insurance in Cedar Rapids, with an average cost of $14 per month.

Provider Average Monthly Cost Average Annual Cost
West Bend Mutual $14 $168
Grange Insurance $24 $288
Westfield $30 $360
Auto-Owners Insurance Co $25 $300
Progressive $20 $240

Having minimum car insurance offers basic protection while driving, but it doesn’t cover collision or comprehensive insurance. This means any damage to your vehicle from accidents, theft, or natural disasters won’t be covered.

Cheapest Car Insurance Companies In Cedar Rapids For Drivers With Prior Incidents

In Cedar Rapids, drivers with a history of traffic violations such as accidents, speeding tickets, or DUIs often struggle to find affordable car insurance. These infractions classify them as high-risk by insurance companies, indicating a higher likelihood of filing future claims. As a result, insurance providers increase their rates for these individuals to offset the potential for higher claim payouts.

Cheapest Car Insurance In Cedar Rapids After A Speeding Ticket: West Bend Mutual

West Bend Mutual offers very competitive rates compared to other companies, with average premiums around $75 per month.

Provider Average Monthly Cost Average Annual Cost
West Bend Mutual $75 $900
Progressive $84 $1,008
State Farm $88 $1,056
Western National $80 $960
American Family $77 $924

Cheapest Car Insurance In Cedar Rapids After At-Fault Accident: American Family

American Family provides the most economical car insurance quotes for drivers with at-fault incidents, averaging around $70 per month.

Provider Average Monthly Cost Average Annual Cost
American Family $70 $840
Auto-Owners Insurance Co $87 $1,044
State Farm $90 $1,080
West Bend Mutual $85 $1,020
Western National $80 $960

Cheapest Car Insurance In Cedar Rapids For Drivers After A DUI: Progressive

Progressive offers the lowest rates for drivers in Cedar Rapids who have had a DUI, with average monthly premiums of $68.

Provider Average Monthly Cost Average Annual Cost
Progressive $68 $816
Western National $85 $1,020
West Bend Mutual $93 $1,116
State Farm $86 $1,032
American Family $78 $936

Cheapest Car Insurance In Cedar Rapids For Seniors: Hastings Mutual Insurance Co

Hastings Mutual Insurance Co provides the most affordable car insurance rates for seniors in Cedar Rapids, with average quotes of $70 per month.

Provider Average Monthly Cost Average Annual Cost
Hastings Mutual Insurance Co $70 $840
Nationwide $90 $1,080
State Farm $80 $960
IMT Insurance Company $83 $996
Farm Bureau Mutual (IA Group) $85 $1,020

In Iowa, many seniors can benefit from favorable car insurance rates due to various positive factors. While age often influences insurance rates and older age is sometimes linked to reduced driving skills, this stereotype doesn’t apply to everyone

Cheapest Car Insurance In Cedar Rapids For Young Adults: State Farm

State Farm provides the most affordable quotes for young adults in Cedar Rapids, with rates averaging around $100 per month.

Provider Average Monthly Cost Average Annual Cost
State Farm $100 $1,200
IMT Insurance Company $124 $1,488
Pekin Insurance $130 $1,560
SAFECO $125 $1,500
Farm Bureau Mutual (IA Group) $120 $1,440

In Iowa, young adult drivers generally enjoy lower car insurance rates compared to teenagers. This pricing difference is due to the development of safer driving habits and a decrease in risk-taking behaviors as drivers mature. Statistically, young adults are less likely to file insurance claims, reflecting their improved safety records and reduced involvement in accidents. As a result, insurers lower premiums to reflect the decreased likelihood of claims from these more experienced drivers.

Cheapest Auto Insurance Rates In Cedar Rapids For Teenagers: State Farm

Teenage drivers in Cedar Rapids can get the lowest quotes from State Farm, with average monthly premiums of $130.

Provider Average Monthly Cost Average Annual Cost
State Farm $130 $1,560
Pekin Insurance $160 $1,920
IMT Insurance Company $135 $1,620
USAA $150 $1,800
Farm Bureau Mutual (IA Group) $158 $1,896

Teenage drivers typically encounter the highest car insurance premiums mainly because of their lack of driving experience. Insurers view these young drivers as high-risk since they are statistically more likely to be involved in accidents and commit traffic violations.

Best Car Insurance Companies In Cedar Rapids

For drivers in Cedar Rapids, choosing the right car insurance company is as much about finding affordable rates as it is about securing reliable protection on the road. Shown below are the top 10 car insurance companies in Cedar Rapids, IA, ranked by the average monthly rate they offer.

Company Monthly Premium
Safeco $75
Hastings Mutual Insurance Co $99
IMT Insurance Company $97
State Farm $80
Farm Bureau Mutual (IA Group) $95
American Family $115
Pekin Insurance $100
Auto-Owners Insurance Co $112
Nationwide $118
USAA $105

Average Cost Of Car Insurance In Cedar Rapids – By Age

Age Average Yearly Rate
Teenagers $,1620
20s $1,500
30s $1,200
40s $960
50s $1,020
60s $1,080
70s $996

Age plays a crucial role in setting car insurance rates. Younger drivers, especially teenagers and young adults, typically encounter higher premiums due to their lack of experience and higher likelihood of accidents and violations. By age 25, rates typically begin to decrease assuming a clean driving record. The most favorable rates are often seen for drivers in their 50s and early 60s. Insurance companies use age as a measure of driving experience and risk, which directly impacts premium costs.

Average Cost Of Car Insurance In Cedar Rapids – By Vehicle

Vehicle Average Monthly Rate
2009 Kia Sedona $120
2001 Honda Accord $87
2015 Toyota Camry $70
2014 Ford Mustang $118
2013 Ford Edge $115

The vehicle you drive plays a significant role in determining your car insurance costs. Insurance companies assess factors such as the make, model, year, and body type of the car. Generally, newer vehicles, especially luxury models with advanced technology and higher replacement costs, tend to have higher insurance rates. Conversely, older cars or those that are less expensive to repair or replace may result in lower premiums. Insurers consider these factors because they directly impact the potential cost of claims; repairs for a high-end car are typically more expensive than for a standard vehicle. Moreover, certain car models known for safety may qualify for reduced insurance rates due to a lower risk of accidents and injuries.

How Much Is Car Insurance In Other Cities in Iowa?

City Average Monthly Rate
Cedar Rapids $104
Ames $115
Davenport $120
Boone $100
Des Moines $112
Clinton $84
Dubuque $111
Council Bluffs $117
Red Oak $116
Shenandoah $121

The city where you live has a substantial influence on your car insurance rates. Insurance providers evaluate several location-specific factors, including accident frequency, vehicle theft rates, and vandalism incidents. Urban areas generally have higher risks associated with these factors, which often result in higher insurance premiums to account for the increased likelihood of claims.

Average Cost Of Auto Insurance In Cedar Rapids – By Zip Code

City Average Monthly Rate
52405 $102
52404 $105
52403 $103
52402 $104
 52401 $100

Our Methodology

Based on a comprehensive analysis that includes customer service ratings, product options, pricing, and a thorough evaluation of various online review sites and user experiences, I've developed a detailed overview of the car insurance provider landscape in Cedar Rapids, IA.

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Quotes Analyzed

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Brands Reviewed

15+

Years Of Experience

30+

Research Hours

FAQs

Who has the lowest car insurance rates in Cedar Rapids?

West Bend Mutual offers the lowest car insurance rates in Cedar Rapids for both minimum coverage, required by the State of Iowa and full coverage, which includes comprehensive and collision coverage.

What is the average cost of car insurance in Cedar Rapids?

The average cost of car insurance in Cedar Rapids is approximately $105 per month. However, actual rates can vary depending on factors such as your zip code, the year and model of your car, your driving record, and other relevant variables.

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