Your cheapest option will depend on your driver profile and specific needs. West Bend Mutual offers the lowest rate for a full and minimum coverage policy and for military drivers. State Farm is ideal for drivers with a traffic violation (speeding ticket, at-fault accident or DUI).
For the best car insurance, West Bend Mutual is MoneyGeek’s winner in Cedar Rapids, while Grinnell Mutual is our top choice for customer service.
Cheapest and Best Car Insurance in Cedar Rapids








Cheapest Minimum Liability Car Insurance in Cedar Rapids
On average, the cheapest minimum coverage car insurance in Cedar Rapids is offered by these companies:
- West Bend Mutual: $187 per year
- State Farm: $201 per year
Allstate is the most expensive for minimum coverage, costing approximately $447 per year. Overall, State Farm offers the cheapest car insurance in Iowa at an average cost of $139 yearly, indicating that location can be an important factor in calculating rates.
Iowa requires drivers to carry auto insurance that covers bodily injury and personal property damage with these minimum limits:
- $20,000 bodily injury liability per person
- $40,000 bodily injury liability per accident
- $15,000 property damage liability per accident
Liability coverage only protects you against the cost of damages or injuries to others in the event of an accident. With a minimum coverage policy in Iowa, if you’re at-fault in an accident, your insurance provider only covers medical expenses for each person up to $20,000, for a maximum of $40,000 per incident. The rest comes out of your pocket.
Cheapest Full Coverage Car Insurance in Cedar Rapids
On average, the most affordable car insurance companies in Cedar Rapids for full coverage are:
- West Bend Mutual: $540 per year
- State Farm: $542 per year
The most expensive full coverage policy is offered by Grinnell Mutual at roughly $1,143 per year. State Farm is the cheapest car insurance company for full coverage in Iowa overall, with an average annual cost of $525. Your geographical location plays a vital role in getting low rates.
A full coverage policy includes comprehensive and collision insurance on top of liability insurance.
- Collision Insurance: It covers the cost of damages to your vehicle incurred in an accident, like a collision with another car or a stationary object.
- Comprehensive Insurance: It covers the cost of damages to your vehicle due to a non-accident incident, such as animal damage, a weather-related event, vandalism or theft.
Full coverage is best for those with newer vehicles to financially protect their investment. But if you have an older car, the additional coverage may not be worth it because of the added cost.
Cheapest Car Insurance in Cedar Rapids After a Driving Offense
For common driving offenses, on average, the cheapest car insurance in Cedar Rapids for full coverage is with the following companies:
- Speeding ticket: State Farm ($591 per year)
- At-fault accident: State Farm ($640 per year)
- DUI: State Farm ($591 per year)
The highest average annual rates for a full coverage policy with a speeding ticket, accident or DUI are provided by Auto-Owners Insurance Co ($1,288), Progressive ($1,312) and Grinnell Mutual ($2,635), respectively. A violation on your record can significantly impact your premium, so even the cheapest policy tends to be more expensive than if you have a clean record.
Auto insurance is likely to increase with the severity of the driving offense. For example, drivers in Cedar Rapids with a DUI may pay roughly $362 more for full coverage than those with a speeding ticket. You can potentially lower your rate by finding the cheapest car insurance with a bad driving record.
Cheapest Car Insurance in Cedar Rapids for Teens and Their Families
In Cedar Rapids, on average, the least expensive car insurance companies for 16-year-old teen drivers on a family policy are:
- Allstate: $1,762 per year for male teens
- State Farm: $1,557 per year for female teens
- Allstate: $1,762 per year for female teens
- State Farm: $1,987 per year for male teen
Auto-Owners Insurance Co offers the highest rate for female teens on a family policy at $2,091 per year, whereas Travelers provides the most expensive rate for male teens on a family policy at $2,247 per year.
Rates tend to be higher for male teens because insurance companies consider them riskier to insure. For instance, male teens may pay about $430 more for car insurance than female teens with State Farm.
Buying a separate policy for a teen driver is more expensive than adding them to a family policy. In Cedar Rapids, a 16-year-old male teen may spend more than $2,282 annually for an individual policy than if they were added to a family policy. For big potential savings, shop around and find the cheapest auto insurance for teenagers.
Cheapest Car Insurance in Cedar Rapids for Military Drivers
These car insurance companies in Cedar Rapids offer the, on average, cheapest full coverage policy for active military personnel and veterans:
- West Bend Mutual: $540 per year
- State Farm: $542 per year
USAA also offers affordable coverage for those with a military background, with a policy averaging $561 per year.
If you want minimum coverage, USAA is the cheapest car insurance provider for military families at about $168 per year, while West Bend Mutual is the second-cheapest option at $187 per year.
How to Compare Cheap Cedar Rapids Car Insurance Quotes Online
Getting a car insurance quote in Cedar Rapids online can take up to 15 minutes or more, requiring you to submit various personal details. MoneyGeek has a car insurance calculator that can give you a rough estimate of how much you’ll pay for car insurance with different companies based on your age, coverage level, vehicle type and driving record.
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Best Car Insurance in Cedar Rapids: Summary
The best car insurance for you depends on how much you value affordability, service quality, coverage and other factors. The best car insurance companies in Cedar Rapids are:
- Best overall: West Bend Mutual (MoneyGeek score of 83 out of 100)
- Best for service: Grinnell Mutual (MoneyGeek score of 70 out of 100)
- Best cheap: West Bend Mutual (MoneyGeek score of 83 out of 100)
A company’s overall MoneyGeek score may change based on how factors are weighted differently in each category.
West Bend Mutual is also the best car insurance provider in Iowa. If you come from a military family, USAA is another good option for car insurance, earning a MoneyGeek score of 83 out of 100.
Best Overall Car Insurance in Cedar Rapids
Looking into affordability and service quality, the best car insurance companies in Cedar Rapids are:
- West Bend Mutual: MoneyGeek score of 83 out of 100 ($540 per year)
- State Farm: MoneyGeek score of 76 out of 100 ($542 per year)
West Bend Mutual ranked the highest among 13 companies for its affordable policies, excellent customer service and good claims management.
If you have a military background, your best option may be USAA, which earned a MoneyGeek score of 83 out of 100. Its policy costs roughly $561 per year, the third cheapest in Cedar Rapids.
How was this MoneyGeek score calculated?

pros
Ranked first out of 15 insurers for affordability
Ranked third out of 15 insurers for customer satisfaction
Offers antique/classic car insurance
cons
Limited add-on coverage options
No gap insurance or rental car and/or travel reimbursement coverage
COMPANY HIGHLIGHTS
West Bend Mutual is our pick for the best car insurance company in Cedar Rapids. It offers the lowest rates and excellent customer service but lacks some essential add-on coverage options.
Policyholders can purchase insurance for an antique/classic car. This optional coverage provides financial protection to antique or classic cars, motorhomes and trailers on the auto portion of your policy.
West Bend Mutual also offers roadside assistance, which is useful if you are stranded due to unexpected car troubles. This add-on covers labor services, including towing, flat tire repair, gasoline delivery, battery jump starts, lockouts and other minor repairs.
Best Car Insurance in Cedar Rapids for Customer Service
Excluding cost from our scoring system, the best car insurance companies for customer service in Cedar Rapids are:
- Grinnell Mutual: MoneyGeek score of 70 out of 100 ($1,143 per year)
- West Bend Mutual: MoneyGeek score of 70 out of 100 ($540 per year)
Although both companies earned similar overall scores, Grinnell Mutual is better in claims management than West Bend Mutual. It also offers above-average customer service to its policyholders. However, its average annual premium is higher than its competitors, meaning you are paying more for quality service.
How was this MoneyGeek score calculated?

pros
Ranked first in claims management out of 13 insurers
Ranked fifth in customer satisfaction out of 15 insurers
Provides rare add-on coverages, such as personal property insurance and airbag reinstallation
cons
Lacks some essential add-on coverages
COMPANY HIGHLIGHTS
If you value customer service regardless of cost, your best option for car insurance in Cedar Rapids is Grinnell Mutual. This company scored well in customer satisfaction and claims management, two critical factors in providing an excellent customer service experience.
With Grinnell Mutual, you can add personal property insurance to your auto policy. This optional coverage will reimburse you up to $500 to replace your stolen belongings inside an insured car. You can also purchase airbag reinstallation coverage, which covers the cost of installing a new airbag if it deploys without your vehicle being involved in an accident.
Grinnell Mutual also offers rental car coverage. This extends collision and comprehensive coverage to any vehicle you or a family member rents. Additionally, it covers up to $750 in damages incurred by a rental car while you are using it.
Best Cheap Car Insurance Companies in Cedar Rapids
Considering affordability and service quality for a policy that only meets Iowa’s minimum coverage requirement, the best car insurance companies in Cedar Rapids are:
- West Bend Mutual: MoneyGeek score of 83 out of 100 ($187 per year)
- Auto-Owners Insurance Co: MoneyGeek score of 79 out of 100 ($220 per year)
Although the cheapest minimum coverage auto insurance policies in Cedar Rapids have the lowest rates, they provide the least amount of protection against liability costs. They also don't pay for damages to your vehicle in case of an accident.
How was this MoneyGeek score calculated?

pros
Affordable minimum coverage policy at around $187 per year
Offers discounts for insuring multiple cars, being claims-free and having anti-lock brakes
Ranked first in affordability and third in customer satisfaction out of 15 insurers
cons
No discount for bundling, going paperless or paying in full
Poor add-on coverage options
COMPANY HIGHLIGHTS
West Bend Mutual offers the best blend of an affordable policy and quality service, meaning policyholders get excellent value for their money. An average minimum coverage policy from this insurer costs $187 per year, the cheapest in Cedar Rapids.
To make a policy even more affordable, West Bend Mutual offers various discount opportunities. For instance, you can qualify for premium savings if you insure more than one vehicle with this company. You can also lower your premium by being claims-free for three years or having a factory-installed anti-lock braking system in your vehicle.
Note that West Bend Mutual doesn’t have discounts for bundling multiple policies, going paperless or paying in full, which could disappoint some drivers.
Average Cost of Car Insurance in Cedar Rapids
Based on our analysis, the average cost of car insurance in Cedar Rapids for full coverage is $770 per year, which is $22 cheaper than the average cost of car insurance in Iowa and around $495 lower than the national average of $1,265 (as of October 2022). These rates are for a full coverage policy with $100,000 in bodily injury liability per person, $300,000 in bodily injury liability per accident and $100,000 in property damage liability per accident. Keep in mind that your location can significantly affect how much you’ll pay for car insurance.
About Mark Fitzpatrick
