Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Cedar Falls after a DUI is Progressive
  • The cheapest car insurance company in Cedar Falls for teen drivers is USAA
  • Average car insurance rates in Cedar Falls, IA for senior drivers are $1,568/year

Average car insurance rates in Cedar Falls, Iowa are $235 a month. But with a little research you can get a great deal from the top car insurance companies in Cedar Falls, IA. Before you buy Cedar Falls, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Cedar Falls car insurance rates with West Des Moines car insurance rates, Davenport car insurance rates, or Iowa City car insurance rates to make sure you’re getting the best Cedar Falls, IA car insurance quotes available.

Need affordable Cedar Falls, IA car insurance? Enter your ZIP code to compare Cedar Falls car insurance quotes from multiple car insurance companies near you.

Cedar Falls, IA Minimum Car Insurance Coverage

Cedar Falls, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car Insurance Coverage in Cedar Falls, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Cedar Falls, IA Car Insurance Rates by Coverage Level

Some Cedar Falls drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Cedar Falls, Iowa car insurance rates may be based on the coverage you need.

Annual Car Insurance Rates by Coverage Level in Cedar Falls, Iowa

Insurance Company Low Medium High
Allstate $2,739 $2,862 $2,973
American Family $2,783 $2,944 $2,637
Farmers $2,304 $2,409 $2,490
GEICO $2,460 $2,625 $2,786
Liberty Mutual $3,781 $3,944 $4,128
Nationwide $2,614 $2,522 $2,439
Progressive $2,192 $2,333 $2,444
State Farm $2,144 $2,291 $2,390
Travelers $4,297 $4,655 $4,802
USAA $1,754 $1,855 $1,937

Cedar Falls, IA Car Insurance Rates by Age, Gender, and Marital Status

Cedar Falls, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Cedar Falls, IA car insurance, get quotes from multiple car insurance companies in the Cedar Falls area and see how these criteria affect your rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Cedar Falls, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $1,875 $1,795 $1,671 $1,700 $5,498 $6,204 $2,033 $2,088
American Family $1,782 $1,782 $1,601 $1,601 $4,862 $6,754 $1,782 $2,139
Farmers $1,483 $1,511 $1,327 $1,449 $4,490 $4,788 $2,009 $2,153
GEICO $2,101 $1,886 $1,928 $1,782 $4,954 $4,599 $1,950 $1,786
Liberty Mutual $1,820 $1,968 $1,617 $1,962 $9,375 $10,542 $2,061 $2,265
Nationwide $1,729 $1,767 $1,546 $1,640 $4,118 $5,289 $1,973 $2,137
Progressive $1,619 $1,555 $1,339 $1,386 $4,055 $4,572 $1,949 $2,109
State Farm $1,405 $1,405 $1,259 $1,259 $4,188 $5,262 $1,588 $1,832
Travelers $2,039 $2,076 $2,007 $2,004 $9,243 $14,698 $2,129 $2,481
USAA $1,228 $1,238 $1,129 $1,146 $3,378 $3,576 $1,471 $1,622

Cedar Falls, IA Car Insurance Rates for Teens

How much is Cedar Falls, Iowa car insurance for teens? Compare rates from top Cedar Falls car insurance companies below to help find the cheapest teen car insurance in Cedar Falls, IA.

Annual Car Insurance Rates for Teen Drivers in Cedar Falls, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $5,498 $6,204
American Family $4,862 $6,754
Farmers $4,490 $4,788
GEICO $4,954 $4,599
Liberty Mutual $9,375 $10,542
Nationwide $4,118 $5,289
Progressive $4,055 $4,572
State Farm $4,188 $5,262
Travelers $9,243 $14,698
USAA $3,378 $3,576

Cedar Falls, IA Car Insurance Rates for Seniors

Before seniors buy Cedar Falls, Iowa car insurance, they should make sure to shop around. Some Cedar Falls, IA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car Insurance Rates for Senior Drivers in Cedar Falls, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,671 $1,700
American Family $1,601 $1,601
Farmers $1,327 $1,449
GEICO $1,928 $1,782
Liberty Mutual $1,617 $1,962
Nationwide $1,546 $1,640
Progressive $1,339 $1,386
State Farm $1,259 $1,259
Travelers $2,007 $2,004
USAA $1,129 $1,146

Cedar Falls, IA Car Insurance Rates by Credit History

How does your credit history affect Cedar Falls, IA car insurance rates? Review the numbers here to find out.

Annual Car Insurance Rates by Credit Score in Cedar Falls, Iowa

Insurance Company Poor Fair Good
Allstate $3,415 $2,715 $2,443
American Family $3,551 $2,611 $2,202
Farmers $2,752 $2,286 $2,166
GEICO $3,156 $2,623 $2,091
Liberty Mutual $5,610 $3,496 $2,748
Nationwide $3,055 $2,411 $2,109
Progressive $2,737 $2,219 $2,013
State Farm $3,240 $2,004 $1,580
Travelers $5,149 $4,406 $4,200
USAA $2,426 $1,671 $1,449

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Cedar Falls, IA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Cedar Falls, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Cedar Falls.

Annual Cedar Falls, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,422 $2,942 $3,354 $2,714
American Family $2,012 $2,956 $3,821 $2,363
Farmers $2,047 $2,538 $2,573 $2,447
GEICO $1,937 $2,778 $3,701 $2,079
Liberty Mutual $3,407 $4,235 $4,295 $3,867
Nationwide $1,840 $2,625 $3,560 $2,075
Progressive $1,866 $3,069 $2,024 $2,334
State Farm $2,080 $2,469 $2,275 $2,275
Travelers $3,327 $4,457 $5,981 $4,574
USAA $1,410 $1,897 $2,468 $1,620

Cedar Falls, IA Car Insurance Rates With a DUI

Even a single DUI can increase your Cedar Falls, IA car insurance rates. Compare rates below to see which Cedar Falls car insurance company has the best rates for drivers with a DUI.

Annual Car Insurance Rates After a DUI in Cedar Falls, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,354
American Family $3,821
Farmers $2,573
GEICO $3,701
Liberty Mutual $4,295
Nationwide $3,560
Progressive $2,024
State Farm $2,275
Travelers $5,981
USAA $2,468

Cedar Falls, IA Car Insurance Rates by ZIP Code

Just like Cedar Falls car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Cedar Falls, IA car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Cedar Falls, Iowa

ZIP Code Average Annual Rates
50613 $2,373
50614 $2,375

Cedar Falls, IA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Cedar Falls, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Cedar Falls companies based on commute time.

Annual Car Insurance Rates by Commute Length in Cedar Falls, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $2,790 $2,926
American Family $2,755 $2,820
Farmers $2,401 $2,401
GEICO $2,578 $2,669
Liberty Mutual $3,951 $3,951
Nationwide $2,525 $2,525
Progressive $2,323 $2,323
State Farm $2,220 $2,330
Travelers $4,585 $4,585
USAA $1,781 $1,916

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Cedar Falls, IA Cheapest Car Insurance Rates

How do the top Cedar Falls, Iowa car insurance companies’ average rates stack up against the Cedar Falls average monthly car insurance rates of $235? Take a look and see.

Best Annual Car Insurance Rates by Company in Cedar Falls, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

Cedar Falls, IA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Cedar Falls, Iowa car insurance companies to help you find one that best fits your needs.

Average Annual Car Insurance Rates by Company in Cedar Falls, Iowa

Insurance Company Average Annual Rates
Allstate $2,858
American Family $2,788
Farmers $2,401
GEICO $2,623
Liberty Mutual $3,951
Nationwide $2,525
Progressive $2,323
State Farm $2,275
Travelers $4,585
USAA $1,849

Other Factors Affecting Cedar Falls, IA Car Insurance Rates

Before you buy Cedar Falls, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Cedar Falls, IA Commute Time

How does your Cedar Falls, IA commute time compare with the average driver? In Cedar Falls, the average commute is 14.7 minutes.

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Cedar Falls, IA Car Insurance Quotes

Compare Cedar Falls, IA car insurance quotes from multiple companies by entering your ZIP code now.