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

 

The average car insurance rate in Cedar Rapids, Iowa, is $1,051 per year. That's cheaper than the statewide average in Iowa ($1,106) and cheaper than the national average of $1,548. Read on to learn more about how much you can expect to pay based on your credit score, gender, marital status, and other common factors in Cedar Rapids.

 
CAR INSURANCE: CEDAR RAPIDS RATES VS. STATE + NATIONAL AVERAGES
Cedar Rapids Average (yearly) Iowa Average National Average
$1,051 $1,106 $1,548
 
Jump to Cedar Rapids car insurance premiums by:
  • Company
  • Age
  • Gender
  • Driving record
  • Credit score

 

Cedar Rapids car insurance rates by company

 

The difference in auto insurance rates from company to company can be substantial. In Cedar Rapids, Nationwide offers the cheapest premiums for the typical insurance buyer. See below the best options for affordable auto insurance in Cedar Rapids. Don't forget to get car insurance quotes based on your driving profile.

 
CEDAR RAPIDS CAR INSURANCE RATES BY COMPANY
Company Average Rate (annual)
Nationwide $843
Iowa Farm Bureau $891
State Farm $928
GEICO $931
IMT $1,014
 

Consult our expert guide to finding the best cheap car insurance.

 

Car insurance rates by age bracket in Cedar Rapids

The age group that enjoys the lowest auto insurance rates in Cedar Rapids are drivers in their 50s, who pay an average of $867 per year. Drivers in their 60s pay marginally higher rates — $875 per year.

The Cedar Rapids drivers facing the priciest insurance rates are teenagers. One of the most effective ways to lower your car insurance rates as a driver in Cedar Rapids is to age out of your teens. The cost differential between the car insurance premiums paid by teenage drivers and drivers in their 20s in Cedar Rapids is $1,687, the largest such difference between any two age brackets.

 
CEDAR RAPIDS CAR INSURANCE PREMIUMS BY DRIVER AGE
Age tier Average Yearly Rate
Teenagers $3,109
20s $1,422
30s $1,026
40s $963
50s $867
60s $875
70s $1,074
 

Learn more about how age influences auto insurance rates.

 

Cedar Rapids auto insurance premiums by gender and marital status

 

In some cases, a driver's gender and marital status may influence the car insurance rates they pay. In most places, single drivers pay more than married drivers based on data that says they're more likely to file claims. Married drivers in Cedar Rapids pay $77 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. In Cedar Rapids, insurance rates for those who are widowed are less expensive than rates for those who are single.

Another component of auto insurance pricing is gender. In Cedar Rapids, female drivers pay $5 per year more than do male drivers for car insurance.

 
CEDAR RAPIDS AUTO INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/Gender Average Yearly Rate
Female $1,056
Male $1,051
Single $974
Married $974
Divorced $1,051
Widowed $1,013
 

Read more about the relationships between gender, marital status and insurance rates.

 

Cedar Rapids car insurance costs by accident and citation history

 

Maintaining a clean driving record is an effective way to minimize your auto insurance costs. At-fault accidents, DUIs, reckless driving citations, and speeding tickets all contribute to expensive auto insurance rates, as insurance companies reward low-risk drivers with the gift of affordable rates.

Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Cedar Rapids, a reckless driving citation results in an average insurance rate increase of $603 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $598 increase, and a speeding ticket triggers a $160 rate hike.

 
CEDAR RAPIDS CAR INSURANCE RATES AFTER A COLLISION OR CITATION
Violation/Incident Average Annual Rate
DUI/DWI $1,649
Reckless Driving $1,654
At-fault Accident (damages < $1,000) $1,354
At-fault Accident (damages greater than $2,000) $1,445
Speeding Ticket (16-20 mph over speed limit) $1,211
 

Learn more about how citations can raise your auto insurance rates.

 

Cedar Rapids car insurance rates by credit score

 

It's no secret credit score is closely correlated with car insurance rates. In fact, Cedar Rapids drivers who build their credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) earn a 55% decrease in car insurance rates. Moving from "Very Poor" to "Fair" credit is an important step toward saving money on auto insurance. In Cedar Rapids, improving your credit to "Fair" could help you earn a $665 decrease in annual car insurance rates.

 
CEDAR RAPIDS CAR INSURANCE RATES BY CREDIT SCORE
Credit Tier Average Annual Rate
Very Poor $1,943
Fair $1,278
Good $1,051
Very Good $963
Exceptional $877
 

Learn more about the relationship between poor credit and car insurance.

 

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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

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