Cedar Rapids Car Insurance Cost – 2025 Cheapest Rates + Comparisons

• Average car insurance cost in Cedar Rapids is $1,956 per year, or approximately $163 per month, for a full-coverage policy.
• Cedar Rapids car insurance averages $14 per year more than the Iowa state average cost and $320 per year less than the average rate for all 50 states.
• Auto insurance rates for a few popular vehicles in Cedar Rapids include the Toyota Camry at $2,100 per year, GMC Sierra at $2,158, and Jeep Cherokee at $2,110.
• For cheap auto insurance in Cedar Rapids, Iowa, compact SUV models like the Subaru Crosstrek, Chevrolet Trailblazer, Mazda CX-5, and Toyota Corolla Cross have better car insurance rates.
• Vehicles with segment-leading auto insurance rates in Cedar Rapids include the Chevrolet Tahoe, Nissan Titan, Jaguar E-Pace, Acura Integra, and Honda Passport.
• Car insurance quotes in Cedar Rapids can vary from as little as $29 per month for a liability-only policy to over $693 per month for teenagers and other high-risk drivers.

How much does car insurance cost in Cedar Rapids?

The average cost to insure a vehicle in Cedar Rapids is $1,956 per year, which is 15.1% less than the national average rate of $2,276. The average monthly cost of car insurance in Cedar Rapids is $163 for a full coverage policy.

In the state of Iowa, the average cost of car insurance is $1,942 per year, so the cost in Cedar Rapids averages $14 more per year. When prices are compared to other cities in Iowa, the average cost of auto insurance in Cedar Rapids is $82 per year cheaper than in Waterloo, $48 per year cheaper than in Davenport, and $72 per year less than in Sioux City.

Driver age has the single biggest impact on the cost of car insurance, so the list below details how age impacts cost by breaking out average car insurance rates for different driver ages.

Cedar Rapids, Iowa, car insurance cost by driver age

• 16-year-old rated driver – $6,963 per year or $580 per month
• 17-year-old rated driver – $6,747 per year or $562 per month
• 18-year-old rated driver – $6,044 per year or $504 per month
• 19-year-old rated driver – $5,506 per year or $459 per month
• 20-year-old rated driver – $3,932 per year or $328 per month
• 30-year-old rated driver – $2,086 per year or $174 per month
• 40-year-old rated driver – $1,956 per year or $163 per month
• 50-year-old rated driver – $1,734 per year or $145 per month
• 60-year-old rated driver – $1,622 per year or $135 per month

The chart below shows different average Cedar Rapids car insurance rates based on a range of driver ages, policy deductibles, and risk profiles.

Average rates in the previous chart range from $1,624 per year for a middle-aged driver who qualifies for most policy discounts to $4,498 per year for a 20-year-old driver who has to buy high risk car insurance. The overall average rate we use for comparing different vehicles or locations is the 40-year-old safe driver rate, which is an average cost of $1,956 per year.

As a monthly cost, car insurance cost in Cedar Rapids ranges from $135 to $375 for the same annual rate data shown in the chart above.

Cedar Rapids auto insurance rates can have a wide range and can change frequently. This amount of variability stresses the need for accurate free car insurance quotes when shopping online for the cheapest rate.

The cost to insure Cedar Rapids drivers’ favorite cars, trucks, and SUVs

The previous auto insurance rates in this article take the cost to insure each 2024 vehicle model and average them, which is useful when making overall comparisons such as the cost difference between two locations.

But for more in-depth cost comparisons, we need to compare rates for the exact vehicle being insured. Later on in this article, we compare lots of rates for all different kinds of vehicles, but for now, a handful of the most popular vehicles will be shown to see how auto insurance rates compare in Cedar Rapids.

The list below details average insurance rates for both annual and monthly policy terms in Cedar Rapids for popular vehicles. Later on, there is a section that examines auto insurance rates for some of these models even more in-depth.

Average car insurance rates for popular Cedar Rapids vehicles

• Toyota Camry – $2,100 per year or $175 per month
• GMC Sierra – $2,158 per year or $180 per month
• Jeep Cherokee – $2,110 per year or $176 per month
• Nissan Sentra – $1,792 per year or $149 per month
• Mazda CX-5 – $1,594 per year or $133 per month
• Hyundai Elantra – $2,124 per year or $177 per month
• Subaru Forester – $1,740 per year or $145 per month
• Honda Civic – $1,730 per year or $144 per month
• Toyota Tacoma – $1,982 per year or $165 per month
• Jeep Wrangler – $2,234 per year or $186 per month

What are the cheapest cars to insure in Cedar Rapids, IA?

The models with the cheapest average car insurance rates in Cedar Rapids tend to be small SUVs and crossovers like the Kia Soul, Chevrolet Trailblazer, and Nissan Kicks. Average insurance prices for those vehicles cost $1,586 or less per year for a policy with full coverage.

A few other vehicles that are highly ranked in our overall cost comparison are the Ford Bronco Sport, Toyota GR Corolla, Acura RDX, and Honda CR-V. The average cost is slightly more for those models than the compact SUVs that rank near the top, but they still have average rates of $142 or less per month in Cedar Rapids.

The table below details the top 20 models with the cheapest car insurance rates in Cedar Rapids, ordered by annual cost.

The table above that contains 20 vehicle models with cheap Cedar Rapids car insurance serves the purpose if you just want the absolute lowest rates. A better way to look at car insurance rates for more vehicles in an organized fashion is by organizing them by their automotive segment.

The section below details the average price of auto insurance in Cedar Rapids for each vehicle segment. These rates should give you a decent idea of the types of vehicles that have the least expensive average car insurance rates. Then the subsequent sections will break out the cheapest insurance rates for individual models for the most popular segments.

Cedar Rapids car insurance rates by automotive segment

If you are considering buying a new vehicle, it’s advantageous to know which categories of vehicles have less expensive auto insurance rates in Cedar Rapids. For example, some common questions are if midsize SUVs cost less to insure than full-size SUVs or if regular SUVs have more affordable insurance than luxury SUVs.

The next chart shows average auto insurance cost by vehicle segment in Cedar Rapids. As a general rule, small SUVs and midsize pickups tend to have the most affordable average rates, while sports cars and performance luxury models have the most expensive average cost to insure.

Average rates by segment are practical for blanket comparisons, but rates range considerably within each vehicle segment listed in the previous chart.

For example, in the small luxury car segment, average Cedar Rapids insurance rates range from the Acura Integra at $1,740 per year for full coverage insurance to the BMW M340i at $2,388 per year. For another example, in the sports car segment, average rates range from the Mazda MX-5 Miata at $1,810 per year up to the Mercedes-Benz SL 63 at $4,018 per year.

In the next sections, we eliminate much of the variability by analyzing the cost of auto insurance in Cedar Rapids on a model level.

Cheapest cars to insure in Cedar Rapids, Iowa

Ranking near the top for the most affordable Cedar Rapids auto insurance rates in the sedan or hatchback segment are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Subaru Impreza, and Nissan Sentra. Auto insurance prices for these 2024 models average $150 or less per month.

Some other cars that have affordable insurance rates are the Toyota Corolla, Toyota Prius, Chevrolet Malibu, and Honda Accord, with average annual insurance rates of $1,906 per year or less.

Ranking between positions 10 and 20, models like the Mitsubishi Mirage G4, Hyundai Ioniq 6, Volkswagen Jetta, Kia Forte, and Subaru Legacy cost between $1,906 and $2,022 per year for insurance.

Auto insurance in this segment will start around $142 per month, depending on your company and location.

The comparison table below ranks the twenty cars with the most affordable car insurance rates in Cedar Rapids, starting with the Toyota GR Corolla at $1,698 per year ($142 per month) and ending with the Mazda 3 at $2,022 per year ($169 per month).

For all vehicle comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Don’t see your car in the list? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Cedar Rapids car insurance quotes from top car insurance companies in Iowa.

Cheapest SUV insurance rates in Cedar Rapids, IA

The #1 ranking in Cedar Rapids for the most affordable average insurance rates in the SUV segment is the Subaru Crosstrek, with an average cost of $1,444 per year. Second place is the Chevrolet Trailblazer costing $1,468 per year, and the third cheapest is the Kia Soul, at an average of $1,528 per year.

Additional SUVs that are affordable to insure include the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Mazda CX-5, with average annual insurance rates of $1,602 per year or less.

As a cost per month, car insurance in this segment for a good driver can cost as low as $120 per month, depending on your location.

The most affordable non-luxury compact SUV to insure in Cedar Rapids is the Subaru Crosstrek at $1,444 per year. For midsize SUVs, the Honda Passport is the cheapest model to insure at $1,558 per year. And for full-size SUVs, the Chevrolet Tahoe has the most affordable rates at $1,836 per year.

The next table ranks the SUVs with the cheapest average insurance rates in Cedar Rapids, starting with the Subaru Crosstrek at $1,444 per year and ending with the Subaru Ascent at $1,702 per year.

For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.

Don’t see your SUV in the list? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Cedar Rapids car insurance quotes from top car insurance companies in Iowa.

Cheapest pickup truck insurance rates in Cedar Rapids, Iowa

The three top-ranked pickups with the lowest-cost auto insurance in Cedar Rapids are the Chevrolet Colorado at $1,722 per year, the Nissan Titan at $1,828 per year, and the Nissan Frontier at $1,846 per year.

Not the cheapest pickups to insure, but still affordable, are trucks like the Toyota Tacoma, Honda Ridgeline, Hyundai Santa Cruz, and GMC Sierra 2500 HD, with average rates of $2,010 per year or less.

Car insurance rates in this segment will start around $144 per month, depending on your location.

The rate comparison table below ranks the pickups with the cheapest insurance in Cedar Rapids.

For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.

Don’t see rates for your pickup? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Cedar Rapids car insurance quotes from top car insurance companies in Iowa.

Cheapest luxury cars to insure in Cedar Rapids

Ranking highest for the cheapest Cedar Rapids car insurance rates in the luxury car segment are the Acura Integra, Mercedes-Benz CLA250, Acura TLX, Lexus IS 300, and BMW 330i. Car insurance rates for these models average $2,024 or less per year, or around $169 per month.

Other luxury cars that are affordable to insure are the Lexus ES 350, Cadillac CT4, Genesis G70, and Lexus RC 300, with average cost of $2,056 per year or less.

Ranking between positions 10 and 20, cars like the Jaguar XF, Lexus IS 350, BMW 330e, Lexus ES 300h, and Cadillac CT5 average between $2,056 and $2,192 to insure per year in Cedar Rapids.

Full-coverage insurance in Cedar Rapids for this segment for a safe driver starts at an average of $145 per month, depending on the company and your location.

The comparison table below ranks the luxury cars with the lowest-cost average insurance rates in Cedar Rapids, starting with the Acura Integra at $1,740 per year and ending with the Audi S3 at $2,192 per year.

See our guide for luxury car insurance to view any vehicles not shown in the table.

Looking for rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Cedar Rapids car insurance quotes from top car insurance companies in Iowa.

Cheapest luxury SUVs to insure in Cedar Rapids

The three top-ranked luxury SUVs with the lowest-cost average auto insurance rates in Cedar Rapids are the Acura RDX at $1,632 per year, the Lexus NX 250 at $1,730 per year, and the Cadillac XT4 at $1,766 per year.

Other models that have affordable insurance rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 450h, and Lincoln Corsair, with average insurance cost of $1,884 per year or less.

Ranked lower than 10th place, but still in the top 20, models like the Cadillac XT6, Land Rover Evoque, Infiniti QX50, Mercedes-Benz AMG GLB35, and Lexus RX 350 cost between $1,884 and $1,960 per year for full-coverage insurance.

Auto insurance rates in Cedar Rapids for this segment for a good driver can cost as low as $136 per month, depending on the company and your location.

If ranked by vehicle size, the cheapest compact luxury SUV model to insure in Cedar Rapids is the Acura RDX at $1,632 per year, or $136 per month. For midsize 2024 models, the Jaguar E-Pace has the cheapest rates at $1,826 per year, or $152 per month. And for full-size luxury SUV models, the Infiniti QX80 has the cheapest car insurance rates at $2,192 per year, or $183 per month.

The rate comparison table below ranks the twenty SUVs with the lowest-cost average car insurance rates in Cedar Rapids, starting with the Acura RDX at $136 per month and ending with the Lexus RX 350 at $163 per month.

For more car insurance comparisons, see our guide for luxury SUV insurance.

Is your luxury SUV not in the list? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Cedar Rapids car insurance quotes from top-rated companies in Iowa.

Cheapest sports cars to insure in Cedar Rapids, IA

The #1 ranking in Cedar Rapids for the most affordable average insurance rates in the sports car segment is the Mazda MX-5 Miata, with an average cost of $1,810 per year. Second place is the Toyota GR86 at $2,060 per year, and the third cheapest is the Ford Mustang, at an average of $2,146 per year.

Rounding out the top 10 are cars like the Nissan Z, BMW M2, Subaru BRZ, and Lexus RC F, with an average cost of $2,340 per year or less.

Car insurance rates for this segment in Cedar Rapids for an average middle-age driver will start around $151 per month, depending on your company and location. The next table ranks the twenty sports cars with the most affordable auto insurance rates in Cedar Rapids, starting with the Mazda MX-5 Miata at $1,810 per year and ending with the Porsche Taycan at $3,312 per year.

Don’t see insurance cost for your sports car? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in Iowa.

Prices vary based on driver risk

In order to reinforce the amount that car insurance prices can fluctuate between drivers, the charts below contain comprehensive car insurance rates for three popular vehicles in Cedar Rapids: the Ram Truck, Honda Civic, and Toyota RAV4.

Each example uses different risk profiles to illustrate how rates can vary with only minor changes to the factors that affect policy cost.

Ram Truck insurance rates

Ram Truck insurance in Cedar Rapids costs an average of $2,260 per year, or about $188 per month, and varies from $1,876 to $5,210 for the driver examples used in the cost chart below.

The Ram Truck is classified as a full-size truck, and other popular models in the same segment include the Ford F150, Toyota Tundra, and Chevrolet Silverado.

Honda Civic insurance rates

Honda Civic insurance in Cedar Rapids averages $1,730 per year, or about $144 per month, and has a range of $1,442 to $3,930.

The Honda Civic is a compact car, and other similar models that are popular in Cedar Rapids, IA, include the Volkswagen Jetta, Chevrolet Cruze, and Nissan Sentra.

Toyota RAV4 insurance rates

Insurance for a Toyota RAV4 in Cedar Rapids averages $1,804 per year, or about $150 per month, and has a range of $1,498 to $4,150 per year.

The Toyota RAV4 belongs to the compact SUV segment, and additional similar models from the same segment include the Honda CR-V, Subaru Forester, and Ford Escape.

Best practices for saving money on auto insurance

Drivers should always be looking to cut the monthly cost of insurance So take a minute or two to look through the money-saving ideas in this next list to see if you can save a few bucks on your next policy.

• Pay small claims out-of-pocket. Insurance companies offer a discount if you do not file any claims. Car insurance is intended to be used in the case of larger claims, not minor claims that should be paid out-of-pocket.
• Your choice of occupation could earn you discounts. Most car insurance providers offer discounts for working in professions like high school and elementary teachers, college professors, accountants, scientists, firefighters, and others. If you can earn this discount, you could potentially save between $59 and $190 on your yearly car insurance bill, subject to policy limits.
• Bring up your credit score to save money. Having an excellent credit rating above 800 could save up to $307 per year over a good credit rating of 670-739. Conversely, a less-than-good credit score could cost as much as $356 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
• Compare insurance cost before you buy the car. Different cars, and even different trim levels of the same car, have very different car insurance rates, and insurance companies can charge a wide range of costs. Get multiple insurance quotes before you purchase so you can avoid price shock when buying coverage for your new car.
• Negligent drivers pay higher car insurance rates in Cedar Rapids. Having frequent at-fault accidents will raise rates, possibly up to $2,790 per year for a 20-year-old driver and as much as $812 per year for a 40-year-old driver. So be safe and save.
• Remove optional coverage on older vehicles. Removing comprehensive and collision coverage from vehicles whose value does not support the cost of the coverage will cut the cost of insurance considerably.