Cheapest and Best Car Insurance in Cedar Rapids, IA (2023)

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.

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.