Cheap Car Insurance in Cedar Rapids, Iowa
The second largest city in Iowa, Cedar Rapids offers a vibrant and eclectic atmosphere, one of the Midwest’s most underrated towns known for its corn manufacturing and being home to several Fortune 500 company headquarters, including Quaker Oats and Nordstrom. Our favorite Cedar Rapids attractions include the Cedar Rapids Museum of Art, Czech Village/New Bohemia Main Street District, Brucemore, and the Paramount Theater.
All Cedar Rapids drivers are required to carry auto insurance. Keep reading to learn more about auto insurance in Iowa, including average rates paid by zip code, ways to save on your next bill, and penalties for driving without insurance in the region.
Quick Facts
- Cedar Rapids is the second-largest city in Iowa
- All Iowa drivers must carry minimum liability coverage of 20/40/15
- Cedar Rapids is named after the Cedar River
How Much Does Car Insurance Cost in Cedar Rapids, IA?
The average monthly premium paid in Cedar Rapids is $109 for full coverage and $32 for the state-required minimum liability. That’s very close to the average paid in Iowa overall ($105 and $21) and lower than the national average of $148 and $47.
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Low-Cost Car Insurance Rates Comparison by Cities
For the average monthly premium paid in nearby cities to Cedar Rapids, check out our breakdown below.
| City | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Cedar Rapids | $109 | $32 |
| Davenport | $113 | $35 |
| Des Moines | $119 | $36 |
| Iowa City | $100 | $29 |
| Sioux City | $118 | $34 |
Affordable Car Insurance Rates by Zip Code in Cedar Rapids
Your zip code impacts the rates you pay significantly. Expect higher rates for drivers with high population density, high claim volume, and younger demographic-skewed zip codes compared to those who live in sparsely populated areas with older people.
For the average monthly premium paid by Cedar Rapids residents, sorted by zip code, check out our breakdown below.
| Zip Code | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| 52401 | $109 | $32 |
| 52402 | $104 | $31 |
| 52403 | $108 | $32 |
| 52404 | $108 | $31 |
| 52405 | $107 | $31 |
| 52411 | $102 | $30 |
Low-Cost Car Insurance Rates by Age in Cedar Rapids, Iowa
Insurance rates are generally higher for teenagers and people in their early 20s compared to older adults.
For the average monthly premium paid by Cedar Rapids residents, sorted by age, check out our breakdown below.
| Age | Full Coverage Insurance | Liability Insurance Coverage |
|---|---|---|
| Teenagers | $347 | $116 |
| 20s | $143 | $42 |
| 30s | $109 | $32 |
| 40s | $100 | $30 |
| 50s | $93 | $29 |
| 60s | $94 | $30 |
| 70s | $101 | $34 |
Unless otherwise specified, we use the following methodology to arrive at our average cost: male, age 30, lowest possible legal coverage allowed by Iowa. Your rates will be determined by several factors, including your age, your gender and the amount of coverage you want to purchase.
Driving Conditions in Cedar Rapids, IA
How Many Fatal Accidents Happen in Cedar Rapids?
In 2019, there were nine fatal road traffic accidents involving 13 vehicles and ten fatalities in Cedar Rapids.
How Are the Road Infrastructure and Bridges in Cedar Rapids, Iowa?
The city of Cedar Rapids has a Public Works that maintains the city’s infrastructure. Projects focus on street repair, traffic signal replacement, and improvement of traffic flow throughout the region. Recent road construction has focused on key corridors, such as 6th Street SW (Wilson Avenue – 33rd Street) and 8th Avenue SW from 15th Street to Rockford Road.
Minimum Car Insurance Requirements in Cedar Rapids, Iowa
All Iowa drivers must carry the following liability minimums to drive legally in the state:
- $20,000 of bodily injury coverage (per person)
- $40,000 of bodily injury coverage (per accident)
- $15,000 property damage liability (per accident)
These liability limits are what insurers will award to pay out the cost of injuries or damages sustained by third parties in an accident. It does not include first-party benefits like comprehensive coverage and collision insurance.
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What Are the Penalties for Driving Without Insurance in Cedar Rapids, IA?
Driving without insurance in Iowa is a risky proposition.
- If you are caught driving without insurance in Cedar Rapids, expect a $250 fine, possible vehicle impoundment, and a license/registration suspension of up to 12 months if you are determined to be at fault for damages valued at more than $1500.
- If you cause a collision, it will also lead to the required filing of an SR-22 certificate and additional fees, such as a $200 civil penalty, $15 administrative fee, and $20 license renewal fee.
All Iowa drivers must carry minimum liability coverage of 20/40/15, which means $20,000 for bodily injury per person, $40,000 for bodily injury per accident, and $15,000 for property damage per accident.
Car Insurance Factors Allowed in Cedar Rapids
Auto insurance companies use numerous rating factors to determine your insurance premiums.
Some of these factors include but are not limited to the following:
- Age
- Gender
- Zip Code
- Credit Score
- Type of Vehicle
- Driving Record
- Marital Status
Changing one or more of these factors may result in a lower or higher premium. To see what discounts you may be qualified for, be sure to call your insurance carrier every few months or as your circumstances change.
Remember how your policy is constructed. For example, a high deductible and low liability limit policies require lower premiums than low deductible and high liability limit policies.
Discounts for Car Insurance in Cedar Rapids, IA
Luckily, there are many auto insurance discounts Cedar Rapids drivers can take advantage of. One of the best discounts you can have is a Good Driver status, awarded if you have maintained a clean driving record free of claims, moving violations, and other incidents for the past three to five years.
Some car insurance discounts available to Cedar Rapids drivers include:
Remember to call your insurer every six months or as your life circumstances change. For example, working from home permanently overtaking daily drives to the office will reduce your estimated annual mileage, a key factor in helping insurers determine rates. Bundling policies will also result in a decreased premium.
Get an Online Quote for Low-Cost Car Insurance in Cedar Rapids, Iowa
Freeway Insurance is here to help you find an affordable state minimum or full coverage policy to have your back in the event of an accident.
Getting started with Freeway Insurance is easy. Request a free online car insurance quote, visit us at a Cedar Rapids location near you, or call 800-777-5620 for a no-obligation consultation with one of our friendly agents.