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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|
Jump to Cedar Rapids car insurance premiums by:
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)|
|Iowa Farm Bureau||$891|
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|
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|
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|
|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|
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|
Find affordable auto insurance today!
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.
- The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
- The Zebra’s insurance content is not subject to review or alteration by insurance companies or partners.
- The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
- The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.