For a 40-year-old driver with a clean record, Cedar Rapids car insurance averages about $195 a month ($2,334 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s about the same as the Iowa average of $196 a month. Progressive has the lowest full-coverage average among the four major insurers we compared (Farm Bureau Financial Services, Grinnell Mutual, IMT Insurance and Progressive), at about $122 a month.
Cedar Rapids is priced about the same as the Iowa average for our benchmark driver and about $6 a month less than Des Moines.
Our data covers five ZIP codes with a Cedar Rapids mailing address, from about $186 a month in 52411, on the northwest side, to $199 in 52404.
Cost data comes from the auto rates insurers file with state regulators, priced across all five Cedar Rapids ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 7, 2026.
How Much Is Car Insurance in Cedar Rapids, IA?
Full coverage in Cedar Rapids averages $2,334 a year, or about $195 a month, for our benchmark driver. Liability-only coverage at Iowa’s 20/40/15 minimum averages $484 a year ($40 a month), and 50/100/50 liability with comprehensive and collision averages $2,460 ($205 a month).
- Full coverage (100/300/100, $500 deductibles): $2,334 a year ($195 a month)
- 50/100/50 with $500 deductibles: $2,460 a year ($205 a month)
- Liability only (20/40/15): $484 a year ($40 a month)
- Linn County: $2,339 a year ($195 a month) for full coverage
- Iowa average: $2,348 a year ($196 a month) for full coverage
- ZIP code range: $186 (52411) to $199 (52404) a month for full coverage
Cheap Car Insurance in Cedar Rapids: Companies Compared
- Lowest average among the four major insurers we compared, full coverage: Progressive, at about $122 a month ($1,460 a year).
- Next lowest: IMT Insurance, at about $172 a month, then Farm Bureau Financial Services at $232.
- Liability only (20/40/15): about $20 to $76 a month across the four insurers.
- State Farm (Nov. 2025 rates)*: about $151 a month for full coverage, from its November 2025 rates.
- Also on our list: Travelers at about $125 a month, USAA at $127, West Bend at $144, Auto-Owners at $149 and GEICO at $171 (USAA sells only to military families).
- Most expensive in our data: Grinnell Mutual, at about $252 a month, $1,564 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the four insurers in our Cedar Rapids rate data. The recent published statewide Iowa rate studies we reviewed most often rank Travelers cheapest for full coverage: five of the six we checked put it first and one ranks Progressive, apart from USAA, which sells only to military families. For liability-only coverage at 20/40/15 limits, averages run from about $20 to $76 a month; the lowest is far enough below the rest that we don’t name a cheapest insurer for that coverage level.
Full-coverage averages by insurer in Cedar Rapids
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $239 | $20 | $1,460 | $122 |
| IMT Insurance | $362 | $30 | $2,065 | $172 |
| Farm Bureau Financial Services | $425 | $35 | $2,788 | $232 |
| Grinnell Mutual | $910 | $76 | $3,024 | $252 |
| State Farm (Nov. 2025 rates)* | $405 | $34 | $1,811 | $151 |
| Travelers* | $595 | $50 | $1,502 | $125 |
| USAA (military families)* | $417 | $35 | $1,521 | $127 |
| West Bend* | $374 | $31 | $1,724 | $144 |
| Auto-Owners* | $401 | $33 | $1,793 | $149 |
| GEICO* | $407 | $34 | $2,048 | $171 |
| Cedar Rapids average | $484 | $40 | $2,334 | $195 |
This table uses Cedar Rapids ZIP codes only. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare free car insurance quotes before you buy.
Cedar Rapids Car Insurance Rates by ZIP Code
Across the five Cedar Rapids ZIP codes we price, full coverage for our driver ranges from about $186 a month in 52411 to $199 in 52404, a gap of $162 a year. 52411, on the northwest side, is the least expensive ZIP code in our data, and 52404, on the southwest side, the most expensive.
Lowest-priced Cedar Rapids ZIP codes
Highest-priced Cedar Rapids ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Cedar Rapids’ average.
| ZIP Code: | Minimum Liability 20/40/15 (Yearly): | Minimum Liability 20/40/15 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 52402 | $505 | $42 | $2,346 | $196 | +1% |
| 52403 | $495 | $41 | $2,374 | $198 | +2% |
| 52404 | $508 | $42 | $2,392 | $199 | +2% |
| 52405 | $496 | $41 | $2,329 | $194 | -1% |
| 52411 | $416 | $35 | $2,230 | $186 | -5% |
Your ZIP code matters
Does Better Coverage Cost More in Cedar Rapids?
Full coverage at 100/300/100 limits costs less on average than 50/100/50 in our Cedar Rapids data: $2,334 a year compared with $2,460, with the same $500 deductibles. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Grinnell Mutual and IMT Insurance charge less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Cedar Rapids?
Yes, for our benchmark driver. Comparing the same insurers in the same Cedar Rapids ZIP codes, full coverage averaged $2,250 a year nine months earlier and $2,334 in rates as of Aug. 31, 2026, a 3.7% increase. Progressive raised its average 29.9%, while Farm Bureau Financial Services’, Grinnell Mutual’s and IMT Insurance’s averages were unchanged. State Farm’s latest rates are from November 2025, so it’s left out of this comparison. Liability-only coverage at 20/40/15 limits rose 3.4%, led by Progressive, which raised its liability-only average 36.6%.
What Shapes Car Insurance Costs in Cedar Rapids
Linn County averages about $195 a month for full coverage, the 41st-most expensive of the 70 Iowa counties we price.
Next-door Marion averages about $193 a month and Hiawatha $188, a little less than the city. Iowa insurers price by location as well as by driver and car, so your ZIP code can move your price.
For liability-only coverage at 20/40/15 limits, Cedar Rapids averages about $40 a month, about $6 a month less than Des Moines ($46). The Iowa liability-only average is $35.
Among insurers priced in both, Progressive’s full-coverage average differs most between Cedar Rapids and Des Moines: about $122 a month compared with $143, a gap of about $21.
How Cedar Rapids Car Insurance Compares With Other Iowa Cities
More Iowa cities and towns are in the Iowa rates by city table, and you can compare states on our car insurance rates by state page.
Marion, just northeast, averages $193 a month, and Iowa City, about 25 miles south, $158. Waterloo averages $195.
What Car Insurance Is Required in Cedar Rapids?
Drivers in Cedar Rapids follow Iowa’s rules. Every policy must include at least:
- Bodily injury liability of $20,000 per person and $40,000 per crash
- Property damage liability of $15,000 per crash
- Uninsured, hit-and-run and underinsured motorist coverage, unless you reject it in writing
Our Iowa requirements guide covers the details and the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Cedar Rapids
- Compare Progressive and IMT Insurance first. They have the two lowest full-coverage averages among the four major insurers we compared in Cedar Rapids, about $122 and $172 a month.
- Quote several insurers. In our Cedar Rapids data, the lowest and highest insurer averages are about $130 a month apart for the same driver and car.
- Keep comprehensive coverage. The Iowa Insurance Division says animal collisions make up 13.8% of reported crashes in Iowa, and hitting a deer is a comprehensive claim. Swerving into something else instead is a collision claim.
- Compare at every renewal. Over the past nine months, Progressive has raised its average 29.9%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which car insurance discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how your deductible works.
- Price a bundle. Pairing your auto policy with a home or renters policy usually earns a multi-policy discount. See home insurance costs in Cedar Rapids, then compare free home insurance quotes.
Ready to compare
How We Calculated Cedar Rapids Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 20 full-coverage premiums from four insurers across five Cedar Rapids ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Insurer count: our Iowa averages come from four insurers, fewer than in most states, so they can move more when one insurer changes its prices. We publish them as calculated, without adjustment.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at Iowa’s 20/40/15 minimum, with 20/40 uninsured and underinsured motorist coverage and no comprehensive or collision.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. State Farm isn’t in the August 2026 rates, so it’s left out of rate-change comparisons; the other four insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from recent published Iowa rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings. The State Farm row shows its November 2025 rates, so it isn’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from Iowa law and the Iowa Insurance Division. We refresh these figures when new rate data is released.
More Cedar Rapids Car Insurance Breakdowns
This age table is from an additional InsuranceQuotes rate analysis. It uses its own driver profile, which is why its dollar amounts don’t match the Cedar Rapids figures on this page.
How Does Age Affect Car Insurance Costs in Iowa?
Teen drivers pay the most in this analysis: about 2.4 times the full-coverage price for a 39-year-old. The lowest prices are for drivers in their 60s.
| Age: | State Minimum: | Monthly: | Full Coverage: | Monthly: |
|---|---|---|---|---|
| 17 | $1,510 | $126 | $5,825 | $485 |
| 18 | $1,325 | $110 | $5,289 | $441 |
| 20 | $1,054 | $88 | $4,537 | $378 |
| 22 | $839 | $70 | $3,729 | $311 |
| 24 | $729 | $61 | $3,352 | $279 |
| 29 | $547 | $46 | $2,654 | $221 |
| 34 | $518 | $43 | $2,494 | $208 |
| 39 | $510 | $43 | $2,434 | $203 |
| 44 | $496 | $41 | $2,340 | $195 |
| 49 | $495 | $41 | $2,285 | $190 |
| 54 | $446 | $37 | $2,087 | $174 |
| 64 | $438 | $37 | $1,993 | $166 |
| 74 | $545 | $45 | $2,210 | $184 |
| 76 | $614 | $51 | $2,377 | $198 |
Cedar Rapids Car Insurance FAQ
For our benchmark driver, full coverage in Cedar Rapids averages about $195 a month ($2,334 a year) and liability-only coverage about $40 a month, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. Full coverage is about the same as the Iowa average of $196 a month.
Progressive has the lowest full-coverage average in our Cedar Rapids rate data, at about $122 a month, followed by IMT Insurance at $172. For liability-only coverage, averages run from about $20 to $76 a month. Five of the six recent published statewide Iowa rate studies we reviewed rank Travelers cheapest for full coverage, apart from USAA. Rates vary by driver, so compare quotes for your own car and ZIP code.
Cedar Rapids, for our benchmark driver. Cedar Rapids full coverage averages about $195 a month and Des Moines about $201, a difference of about $6 a month for the same driver and car.
In our data, 52411 has the lowest full-coverage average in Cedar Rapids, at about $186 a month, and 52404 the highest, at about $199. The ZIP code table on this page lists all five.
In our Cedar Rapids data, full coverage (100/300/100 with $500 deductibles) averages about $195 a month and liability-only coverage at 20/40/15 limits about $40, a difference of about $155 a month ($1,850 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. Iowa law doesn’t require full coverage, but a lender or leasing company may.
Yes, for our benchmark driver. Comparing the same insurers and ZIP codes, Cedar Rapids full coverage rose 3.7% over the past nine months, from about $2,250 to $2,334 a year. Progressive raised its average 29.9%. Liability-only coverage at 20/40/15 limits rose 3.4%.
For our benchmark driver, full coverage in Cedar Rapids averages about $195 a month. Nearby, Marion averages about $193, Iowa City about $158 and Waterloo about $195. Marion and Iowa City are cheaper; prices depend mostly on ZIP code, so compare quotes for your own address.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
