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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.

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2023

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.

Company
Annual Premium
Monthly Premium

West Bend Mutual

$187

$16

State Farm

$189

$16

State Farm

$201

$17

West Bend Mutual

$202

$17

Progressive

$212

$18

Westfield

$217

$18

Auto-Owners Insurance Co

$220

$18

Auto-Owners Insurance Co

$227

$19

Progressive

$232

$19

West Bend Mutual

$232

$19

Westfield

$240

$20

State Farm

$245

$20

Westfield

$256

$21

Iowa Farm Bureau

$262

$22

Grange Insurance

$275

$23

Grange Insurance

$276

$23

Western National

$288

$24

Iowa Farm Bureau

$293

$24

Western National

$300

$25

Grange Insurance

$302

$25

IMT Insurance Company

$317

$26

GEICO

$318

$27

American Family

$322

$27

Progressive

$322

$27

IMT Insurance Company

$322

$27

Auto-Owners Insurance Co

$324

$27

Grinnell Mutual

$326

$27

Iowa Farm Bureau

$330

$27

American Family

$332

$28

GEICO

$346

$29

Travelers

$358

$30

American Family

$359

$30

Farmers

$379

$32

Grinnell Mutual

$383

$32

Travelers

$383

$32

Farmers

$389

$32

GEICO

$391

$33

Travelers

$408

$34

Allstate

$439

$37

Allstate

$447

$37

Farmers

$469

$39

IMT Insurance Company

$471

$39

Western National

$484

$40

Grinnell Mutual

$486

$40

State Farm

$491

$41

Allstate

$504

$42

West Bend Mutual

$540

$45

State Farm

$542

$45

West Bend Mutual

$542

$45

Auto-Owners Insurance Co

$611

$51

American Family

$644

$54

West Bend Mutual

$646

$54

Iowa Farm Bureau

$663

$55

Auto-Owners Insurance Co

$664

$55

Grange Insurance

$671

$56

State Farm

$693

$58

Allstate

$697

$58

Westfield

$703

$59

American Family

$713

$59

Progressive

$715

$60

IMT Insurance Company

$724

$60

GEICO

$729

$61

Allstate

$737

$61

Westfield

$740

$62

American Family

$748

$62

Grange Insurance

$751

$63

GEICO

$754

$63

Travelers

$758

$63

Iowa Farm Bureau

$769

$64

IMT Insurance Company

$773

$64

Travelers

$777

$65

Farmers

$802

$67

Progressive

$815

$68

Grange Insurance

$835

$70

Farmers

$870

$72

Western National

$873

$73

Iowa Farm Bureau

$879

$73

Allstate

$909

$76

Travelers

$920

$77

Auto-Owners Insurance Co

$928

$77

Grinnell Mutual

$931

$78

Western National

$963

$80

Westfield

$967

$81

GEICO

$971

$81

IMT Insurance Company

$988

$82

Farmers

$1,048

$87

Progressive

$1,135

$95

Grinnell Mutual

$1,143

$95

Grinnell Mutual

$1,539

$128

Western National

$1,550

$129

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.

Company
Annual Premium
Monthly Premium

West Bend Mutual

$187

$16

State Farm

$189

$16

State Farm

$201

$17

West Bend Mutual

$202

$17

Progressive

$212

$18

Westfield

$217

$18

Auto-Owners Insurance Co

$220

$18

Auto-Owners Insurance Co

$227

$19

Progressive

$232

$19

West Bend Mutual

$232

$19

Westfield

$240

$20

State Farm

$245

$20

Westfield

$256

$21

Iowa Farm Bureau

$262

$22

Grange Insurance

$275

$23

Grange Insurance

$276

$23

Western National

$288

$24

Iowa Farm Bureau

$293

$24

Western National

$300

$25

Grange Insurance

$302

$25

IMT Insurance Company

$317

$26

GEICO

$318

$27

American Family

$322

$27

Progressive

$322

$27

IMT Insurance Company

$322

$27

Auto-Owners Insurance Co

$324

$27

Grinnell Mutual

$326

$27

Iowa Farm Bureau

$330

$27

American Family

$332

$28

GEICO

$346

$29

Travelers

$358

$30

American Family

$359

$30

Farmers

$379

$32

Grinnell Mutual

$383

$32

Travelers

$383

$32

Farmers

$389

$32

GEICO

$391

$33

Travelers

$408

$34

Allstate

$439

$37

Allstate

$447

$37

Farmers

$469

$39

IMT Insurance Company

$471

$39

Western National

$484

$40

Grinnell Mutual

$486

$40

State Farm

$491

$41

Allstate

$504

$42

West Bend Mutual

$540

$45

State Farm

$542

$45

West Bend Mutual

$542

$45

Auto-Owners Insurance Co

$611

$51

American Family

$644

$54

West Bend Mutual

$646

$54

Iowa Farm Bureau

$663

$55

Auto-Owners Insurance Co

$664

$55

Grange Insurance

$671

$56

State Farm

$693

$58

Allstate

$697

$58

Westfield

$703

$59

American Family

$713

$59

Progressive

$715

$60

IMT Insurance Company

$724

$60

GEICO

$729

$61

Allstate

$737

$61

Westfield

$740

$62

American Family

$748

$62

Grange Insurance

$751

$63

GEICO

$754

$63

Travelers

$758

$63

Iowa Farm Bureau

$769

$64

IMT Insurance Company

$773

$64

Travelers

$777

$65

Farmers

$802

$67

Progressive

$815

$68

Grange Insurance

$835

$70

Farmers

$870

$72

Western National

$873

$73

Iowa Farm Bureau

$879

$73

Allstate

$909

$76

Travelers

$920

$77

Auto-Owners Insurance Co

$928

$77

Grinnell Mutual

$931

$78

Western National

$963

$80

Westfield

$967

$81

GEICO

$971

$81

IMT Insurance Company

$988

$82

Farmers

$1,048

$87

Progressive

$1,135

$95

Grinnell Mutual

$1,143

$95

Grinnell Mutual

$1,539

$128

Western National

$1,550

$129

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.

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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.

Company
Annual Premium
Monthly Premium

State Farm

$211

$18

State Farm

$211

$18

State Farm

$224

$19

State Farm

$224

$19

State Farm

$232

$19

West Bend Mutual

$243

$20

State Farm

$246

$21

Progressive

$249

$21

Westfield

$261

$22

West Bend Mutual

$262

$22

Progressive

$268

$22

State Farm

$272

$23

State Farm

$272

$23

Western National

$288

$24

Western National

$288

$24

Westfield

$288

$24

Western National

$288

$24

State Farm

$299

$25

Western National

$300

$25

Western National

$300

$25

Western National

$300

$25

West Bend Mutual

$302

$25

Progressive

$307

$26

Westfield

$307

$26

Auto-Owners Insurance Co

$308

$26

Progressive

$309

$26

Iowa Farm Bureau

$317

$26

Auto-Owners Insurance Co

$318

$27

American Family

$322

$27

West Bend Mutual

$324

$27

Grinnell Mutual

$326

$27

Grinnell Mutual

$326

$27

American Family

$332

$28

West Bend Mutual

$351

$29

Westfield

$356

$30

Iowa Farm Bureau

$356

$30

American Family

$359

$30

West Bend Mutual

$362

$30

Progressive

$363

$30

IMT Insurance Company

$364

$30

IMT Insurance Company

$372

$31

GEICO

$374

$31

Westfield

$379

$32

American Family

$381

$32

American Family

$381

$32

Grinnell Mutual

$383

$32

Grinnell Mutual

$383

$32

American Family

$392

$33

American Family

$392

$33

Westfield

$395

$33

Iowa Farm Bureau

$401

$33

West Bend Mutual

$404

$34

Progressive

$404

$34

GEICO

$406

$34

Grange Insurance

$409

$34

Grange Insurance

$410

$34

Grange Insurance

$411

$34

American Family

$417

$35

American Family

$417

$35

Iowa Farm Bureau

$419

$35

Grange Insurance

$419

$35

Progressive

$431

$36

West Bend Mutual

$438

$37

GEICO

$447

$37

Progressive

$448

$37

Grange Insurance

$449

$37

Auto-Owners Insurance Co

$454

$38

IMT Insurance Company

$459

$38

Farmers

$467

$39

IMT Insurance Company

$467

$39

Grange Insurance

$469

$39

Iowa Farm Bureau

$470

$39

Grange Insurance

$470

$39

Auto-Owners Insurance Co

$473

$39

Allstate

$475

$40

Travelers

$479

$40

Western National

$484

$40

Western National

$484

$40

Western National

$484

$40

Allstate

$484

$40

Grinnell Mutual

$486

$40

Grinnell Mutual

$486

$40

Auto-Owners Insurance Co

$489

$41

Grange Insurance

$492

$41

Travelers

$506

$42

Travelers

$509

$42

Grange Insurance

$515

$43

Farmers

$518

$43

Progressive

$519

$43

Iowa Farm Bureau

$529

$44

State Farm

$536

$45

State Farm

$536

$45

Travelers

$539

$45

IMT Insurance Company

$539

$45

Farmers

$542

$45

Iowa Farm Bureau

$544

$45

IMT Insurance Company

$545

$45

GEICO

$546

$46

IMT Insurance Company

$549

$46

Allstate

$551

$46

Travelers

$551

$46

Allstate

$553

$46

Farmers

$554

$46

Allstate

$555

$46

Travelers

$562

$47

Allstate

$564

$47

Allstate

$567

$47

Farmers

$572

$48

GEICO

$575

$48

West Bend Mutual

$579

$48

State Farm

$582

$49

GEICO

$583

$49

Travelers

$588

$49

State Farm

$591

$49

State Farm

$591

$49

Travelers

$593

$49

Farmers

$601

$50

Iowa Farm Bureau

$609

$51

Farmers

$624

$52

Farmers

$631

$53

State Farm

$640

$53

American Family

$644

$54

Travelers

$646

$54

Allstate

$651

$54

Allstate

$654

$54

GEICO

$656

$55

Farmers

$663

$55

Westfield

$673

$56

GEICO

$684

$57

Iowa Farm Bureau

$686

$57

IMT Insurance Company

$690

$57

Westfield

$695

$58

Auto-Owners Insurance Co

$696

$58

West Bend Mutual

$700

$58

West Bend Mutual

$703

$59

Westfield

$710

$59

American Family

$713

$59

GEICO

$713

$59

Auto-Owners Insurance Co

$714

$60

Auto-Owners Insurance Co

$738

$62

Grinnell Mutual

$747

$62

American Family

$748

$62

State Farm

$758

$63

State Farm

$758

$63

American Family

$766

$64

American Family

$766

$64

Allstate

$768

$64

Progressive

$783

$65

Iowa Farm Bureau

$805

$67

Allstate

$811

$68

IMT Insurance Company

$815

$68

State Farm

$822

$68

IMT Insurance Company

$830

$69

West Bend Mutual

$840

$70

Westfield

$844

$70

American Family

$846

$71

American Family

$846

$71

Auto-Owners Insurance Co

$855

$71

Western National

$873

$73

Western National

$873

$73

Western National

$873

$73

Grinnell Mutual

$881

$73

American Family

$882

$74

American Family

$882

$74

Progressive

$886

$74

IMT Insurance Company

$886

$74

Westfield

$888

$74

Auto-Owners Insurance Co

$912

$76

Allstate

$922

$77

Allstate

$928

$77

Grinnell Mutual

$931

$78

Grinnell Mutual

$931

$78

GEICO

$931

$78

Iowa Farm Bureau

$933

$78

GEICO

$938

$78

West Bend Mutual

$940

$78

West Bend Mutual

$942

$79

Western National

$963

$80

Western National

$963

$80

Western National

$963

$80

Progressive

$965

$80

Allstate

$972

$81

Allstate

$980

$82

IMT Insurance Company

$991

$83

Grange Insurance

$992

$83

Allstate

$1,008

$84

West Bend Mutual

$1,018

$85

Progressive

$1,026

$85

Westfield

$1,026

$86

IMT Insurance Company

$1,051

$88

Auto-Owners Insurance Co

$1,052

$88

Westfield

$1,062

$88

Iowa Farm Bureau

$1,064

$89

Iowa Farm Bureau

$1,067

$89

Travelers

$1,075

$90

Farmers

$1,094

$91

Grange Insurance

$1,103

$92

Grange Insurance

$1,112

$93

Grange Insurance

$1,112

$93

Farmers

$1,113

$93

Grinnell Mutual

$1,116

$93

Travelers

$1,123

$94

Travelers

$1,125

$94

West Bend Mutual

$1,125

$94

IMT Insurance Company

$1,138

$95

Auto-Owners Insurance Co

$1,139

$95

Grinnell Mutual

$1,143

$95

Grinnell Mutual

$1,143

$95

Grange Insurance

$1,155

$96

Grange Insurance

$1,157

$96

Westfield

$1,161

$97

GEICO

$1,171

$98

Travelers

$1,180

$98

Travelers

$1,182

$98

Farmers

$1,194

$100

West Bend Mutual

$1,197

$100

Farmers

$1,203

$100

Progressive

$1,216

$101

Allstate

$1,224

$102

Grange Insurance

$1,229

$102

Travelers

$1,230

$103

Iowa Farm Bureau

$1,234

$103

Allstate

$1,236

$103

Travelers

$1,238

$103

Farmers

$1,249

$104

IMT Insurance Company

$1,258

$105

Farmers

$1,261

$105

GEICO

$1,271

$106

Progressive

$1,273

$106

Auto-Owners Insurance Co

$1,288

$107

GEICO

$1,288

$107

Westfield

$1,289

$107

Grange Insurance

$1,291

$108

Farmers

$1,292

$108

Auto-Owners Insurance Co

$1,296

$108

Travelers

$1,304

$109

Progressive

$1,312

$109

West Bend Mutual

$1,341

$112

IMT Insurance Company

$1,346

$112

Travelers

$1,360

$113

Progressive

$1,368

$114

IMT Insurance Company

$1,376

$115

Iowa Farm Bureau

$1,379

$115

Farmers

$1,383

$115

Iowa Farm Bureau

$1,411

$118

Grange Insurance

$1,437

$120

Farmers

$1,442

$120

GEICO

$1,463

$122

GEICO

$1,497

$125

GEICO

$1,500

$125

Grinnell Mutual

$1,539

$128

Grinnell Mutual

$1,539

$128

Western National

$1,550

$129

Western National

$1,550

$129

Western National

$1,550

$129

Iowa Farm Bureau

$1,598

$133

GEICO

$1,685

$140

Progressive

$1,694

$141

IMT Insurance Company

$1,731

$144

Westfield

$1,765

$147

Auto-Owners Insurance Co

$1,773

$148

Westfield

$1,801

$150

Iowa Farm Bureau

$1,828

$152

Auto-Owners Insurance Co

$1,838

$153

Auto-Owners Insurance Co

$1,856

$155

Westfield

$2,028

$169

Grinnell Mutual

$2,148

$179

Grinnell Mutual

$2,635

$220

Auto-Owners Insurance Co

$2,678

$223

Grinnell Mutual

$3,548

$296

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

Travelers

$783

$1,424

State Farm

$816

$1,314

Travelers

$851

$1,493

Travelers

$891

$1,619

Travelers

$898

$1,807

State Farm

$914

$1,471

Travelers

$923

$1,677

State Farm

$945

$1,492

State Farm

$960

$1,792

Travelers

$989

$1,735

State Farm

$999

$1,608

Travelers

$1,021

$1,977

State Farm

$1,022

$1,943

Travelers

$1,023

$2,072

Allstate

$1,062

$1,857

Allstate

$1,062

$1,857

Travelers

$1,069

$1,874

Allstate

$1,070

$1,440

Allstate

$1,070

$1,440

State Farm

$1,074

$1,695

Farmers

$1,081

$1,840

Allstate

$1,122

$1,510

Allstate

$1,122

$1,510

Auto-Owners Insurance Co

$1,128

$3,043

Allstate

$1,132

$3,589

Allstate

$1,132

$3,589

State Farm

$1,138

$2,123

Auto-Owners Insurance Co

$1,140

$3,109

GEICO

$1,140

$1,794

Farmers

$1,154

$2,049

Allstate

$1,157

$1,682

Allstate

$1,157

$1,682

GEICO

$1,161

$1,610

GEICO

$1,170

$1,841

GEICO

$1,177

$1,633

State Farm

$1,177

$2,534

State Farm

$1,178

$2,239

Allstate

$1,185

$1,594

Allstate

$1,185

$1,594

State Farm

$1,186

$1,871

GEICO

$1,194

$2,333

Travelers

$1,201

$2,323

Travelers

$1,205

$2,332

Travelers

$1,209

$2,713

GEICO

$1,213

$2,158

GEICO

$1,219

$2,007

GEICO

$1,251

$1,955

GEICO

$1,255

$1,741

Progressive

$1,262

$1,761

State Farm

$1,266

$2,365

Auto-Owners Insurance Co

$1,273

$3,436

Allstate

$1,282

$2,591

Allstate

$1,282

$2,591

GEICO

$1,290

$2,028

Auto-Owners Insurance Co

$1,296

$3,877

Allstate

$1,302

$2,278

Allstate

$1,302

$2,278

Auto-Owners Insurance Co

$1,314

$3,585

Auto-Owners Insurance Co

$1,346

$3,633

State Farm

$1,354

$2,909

Progressive

$1,364

$1,812

Auto-Owners Insurance Co

$1,366

$4,307

Progressive

$1,373

$4,482

Progressive

$1,373

$1,916

Travelers

$1,376

$3,384

Progressive

$1,382

$2,407

Auto-Owners Insurance Co

$1,408

$4,771

GEICO

$1,411

$3,078

Progressive

$1,420

$2,219

Travelers

$1,428

$2,762

Auto-Owners Insurance Co

$1,430

$3,900

Travelers

$1,440

$3,270

Auto-Owners Insurance Co

$1,444

$4,141

Progressive

$1,452

$2,026

GEICO

$1,463

$2,859

GEICO

$1,483

$3,005

State Farm

$1,490

$3,196

State Farm

$1,493

$2,789

GEICO

$1,499

$3,941

Farmers

$1,510

$1,583

Farmers

$1,535

$1,610

GEICO

$1,548

$2,754

Farmers

$1,548

$1,624

State Farm

$1,550

$3,330

Allstate

$1,550

$4,917

Allstate

$1,550

$4,917

Progressive

$1,555

$5,150

State Farm

$1,557

$3,796

Auto-Owners Insurance Co

$1,559

$4,470

Farmers

$1,564

$1,741

Progressive

$1,567

$2,081

Auto-Owners Insurance Co

$1,575

$4,937

Farmers

$1,588

$1,713

Progressive

$1,608

$5,248

Farmers

$1,614

$1,741

Progressive

$1,619

$2,489

Progressive

$1,625

$2,762

Auto-Owners Insurance Co

$1,632

$5,530

Auto-Owners Insurance Co

$1,633

$6,298

Farmers

$1,643

$1,772

Farmers

$1,648

$3,417

Farmers

$1,661

$1,942

GEICO

$1,664

$4,093

Progressive

$1,673

$2,222

Travelers

$1,694

$4,150

Travelers

$1,704

$4,190

Farmers

$1,720

$3,677

GEICO

$1,727

$4,539

State Farm

$1,729

$3,663

Progressive

$1,730

$5,728

Progressive

$1,740

$3,551

Allstate

$1,762

$8,260

Allstate

$1,762

$8,260

Travelers

$1,781

$5,567

Farmers

$1,785

$5,929

Progressive

$1,799

$3,134

Farmers

$1,855

$3,159

GEICO

$1,859

$4,572

GEICO

$1,864

$6,221

Progressive

$1,868

$8,560

Farmers

$1,887

$6,415

Auto-Owners Insurance Co

$1,914

$5,490

Farmers

$1,935

$3,436

State Farm

$1,977

$4,188

Auto-Owners Insurance Co

$1,983

$7,290

Farmers

$1,985

$6,595

State Farm

$1,987

$4,777

GEICO

$1,994

$6,048

Progressive

$2,036

$9,350

Farmers

$2,086

$8,265

Auto-Owners Insurance Co

$2,091

$6,447

Progressive

$2,094

$4,299

Farmers

$2,103

$7,150

Auto-Owners Insurance Co

$2,111

$6,058

Progressive

$2,127

$3,616

Travelers

$2,135

$5,230

Farmers

$2,209

$8,967

Auto-Owners Insurance Co

$2,217

$8,986

Auto-Owners Insurance Co

$2,224

$8,175

Travelers

$2,247

$7,132

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.

Company
Annual Premium
Monthly Premium

USAA

$168

$14

USAA

$173

$14

West Bend Mutual

$187

$16

State Farm

$189

$16

State Farm

$201

$17

West Bend Mutual

$202

$17

Progressive

$212

$18

Westfield

$217

$18

Auto-Owners Insurance Co

$220

$18

Auto-Owners Insurance Co

$227

$19

Progressive

$232

$19

West Bend Mutual

$232

$19

USAA

$235

$20

Westfield

$240

$20

State Farm

$245

$20

Westfield

$256

$21

Iowa Farm Bureau

$262

$22

Grange Insurance

$275

$23

Grange Insurance

$276

$23

Western National

$288

$24

Iowa Farm Bureau

$293

$24

Western National

$300

$25

Grange Insurance

$302

$25

IMT Insurance Company

$317

$26

GEICO

$318

$27

American Family

$322

$27

Progressive

$322

$27

IMT Insurance Company

$322

$27

Auto-Owners Insurance Co

$324

$27

Grinnell Mutual

$326

$27

Iowa Farm Bureau

$330

$27

American Family

$332

$28

GEICO

$346

$29

Travelers

$358

$30

American Family

$359

$30

Farmers

$379

$32

Grinnell Mutual

$383

$32

Travelers

$383

$32

Farmers

$389

$32

GEICO

$391

$33

Travelers

$408

$34

Allstate

$439

$37

Allstate

$447

$37

Farmers

$469

$39

IMT Insurance Company

$471

$39

Western National

$484

$40

Grinnell Mutual

$486

$40

State Farm

$491

$41

Allstate

$504

$42

USAA

$529

$44

West Bend Mutual

$540

$45

State Farm

$542

$45

West Bend Mutual

$542

$45

USAA

$561

$47

Auto-Owners Insurance Co

$611

$51

American Family

$644

$54

West Bend Mutual

$646

$54

Iowa Farm Bureau

$663

$55

Auto-Owners Insurance Co

$664

$55

Grange Insurance

$671

$56

State Farm

$693

$58

Allstate

$697

$58

Westfield

$703

$59

American Family

$713

$59

Progressive

$715

$60

IMT Insurance Company

$724

$60

GEICO

$729

$61

Allstate

$737

$61

Westfield

$740

$62

American Family

$748

$62

Grange Insurance

$751

$63

USAA

$754

$63

GEICO

$754

$63

Travelers

$758

$63

Iowa Farm Bureau

$769

$64

IMT Insurance Company

$773

$64

Travelers

$777

$65

Farmers

$802

$67

Progressive

$815

$68

Grange Insurance

$835

$70

Farmers

$870

$72

Western National

$873

$73

Iowa Farm Bureau

$879

$73

Allstate

$909

$76

Travelers

$920

$77

Auto-Owners Insurance Co

$928

$77

Grinnell Mutual

$931

$78

Western National

$963

$80

Westfield

$967

$81

GEICO

$971

$81

IMT Insurance Company

$988

$82

Farmers

$1,048

$87

Progressive

$1,135

$95

Grinnell Mutual

$1,143

$95

Grinnell Mutual

$1,539

$128

Western National

$1,550

$129

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?

West Bend Mutual

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?

Grinnell Mutual

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?

West Bend Mutual

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


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.