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Cheap Car Insurance in Cedar Rapids, Iowa

Find cheap car insurance in Cedar Rapids, a central Iowa city and home of Quaker Oats, Coe College and the birthplace of “American Gothic.” Built on both sides of the meandering Cedar River, Cedar Rapids is the seat and largest city in Linn County. With a population of 131,127 in 2016, it’s the second largest city in Iowa. Economic drivers include food and corn processing and more recently, technology. The largest collection of Grant Wood art in the world can be found in the Cedar Rapids Museum of Art. That’s because Wood, the creator of “American Gothic,” is one of the city’s most famous native sons.

Driving Conditions in Cedar Rapids, Iowa

Interstate 380 bisects Cedar Rapids, running south to Iowa City about 20 miles away and northwest to Waterloo. The capital city of Des Moines is about 100 miles away by taking I-380 south to Interstate 80 west. For the most part, commutes in Cedar Rapids are basically hassle free, but expect to move slower during snow. The average commute time, according to Census Bureau data, is a breezy 17 minutes, almost nine minutes faster than the national average. Current information on accidents, construction and weather-related delays is available by calling 511. Real-time traffic information also can be accessed and smartphone apps can be downloaded at 511ia.org.

Unique Laws in Cedar Rapids

Cedar Rapids in 2017 opted to allow fireworks within the city for the Fourth of July holiday, but reversed the decision soon after a noisy and controversial first run. Fires, injuries and noise complaints made the more lax laws not worth it, public officials said.

If your conscience weren’t enough to stop you, Iowa law prevents you from using the handicapped parking placard or license plate of a deceased person. A strange but disputed law in Iowa suggests that one-armed pianists may not charge for their performances. The exact meaning of the law’s wording is unknown, and such musicians do exist and are paid for their work. Another odd Iowa law requires that ministers must obtain a permit to carry liquor over state lines.

Cedar Rapids Crime Statistics

Overall crime rates for Cedar Rapids are below average with the exception of auto theft.

FBI statistics compiled for 2016 show there were 387 violent crimes in Cedar Rapids, three of which were murder or non-negligent manslaughter. A local violent crime rate of 295 offenses per 100,000 residents is below the national average of 386 per 100,000. The property crime rate in Cedar Rapids was 3,826 per 100,000 residents, also below the U.S. average of 2,451 per 100,000 residents.

Within the City of Cedar Rapids, 354 vehicles were stolen in 2016, FBI data shows, a rate of 269 incidents per 100,000 residents. The national average for 2016 was 236 incidents per 100,000 people.

Cedar Rapids Safety Requirements

A state law making texting while driving a primary offense was passed in 2017, meaning drivers who violate it can be pulled over for no other reason than texting behind the wheel. A hands-free cellphone law went into effect in 2014.

Drivers and front-seat passengers must buckle up, according to state law, along with any back seat passengers under 18. Driver and passengers can be cited separately for seat belt offenses. Children under 1 year old or 20 pounds must ride in a rear-facing seat, and children under 6 must ride in a safety seat or booster.

Cedar Rapids Impaired Driving Laws

Like other states, the legal blood or breath alcohol level in Iowa is .08 for drivers 21 and over. For minors, the legal limit is .02. In Iowa, the driving under the influence charge is known as an OWI, or operating while intoxicated. First-time offenders can get 2 days to a year in jail, fines and a 180-day license suspension.

Alcohol education programs also will be likely required, with potential for mandatory attendance at driver safety programs. No matter your background, it’s still possible to find cheap car insurance in Cedar Rapids, Iowa; contact us for rate comparisons.

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Dig you know

Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

Safety Tip

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

Savings Tip

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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