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Get Cheap Car Insurance in Cedar Falls, IA

We monitor insurance prices, helping the average driver in Cedar Falls save up to 33.2% on car insurance.

 

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The Cheapest Minimum Coverage in Cedar Falls

The chart below shows the cheapest car insurance company in Cedar Falls for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.

 
Cedar Falls Insurer Monthly Cost
State Farm $26
IMT Insurance $27
Auto-Owners Insurance $28
Farm Bureau $29

Savings for Every Kind of Cedar Falls Driver

The table shows how much the average auto insurance customer in Cedar Falls might save by following our recommendations.

Based on our extensive insurance data, we know the average Cedar Falls driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $259 per year by choosing the right vehicle insurance company. Some Cedar Falls residents are paying out over $1,186 extra every year for auto insurance in Cedar Falls. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Cedar Falls, IA Savings / Yr.
Drivers with good records
$259
Drivers with accidents
$361
Drivers with speeding tickets
$308
Drivers with a DUI conviction
$414
Young drivers
$1,085
Married drivers
$357
Drivers with bad credit
$547

Cedar Falls Car Insurance vs. Iowa

People living in Cedar Falls pay an average of 5.03% less than the typical driver in the state. The average driver in Cedar Falls can expect to pay about $465 per year, or $1,186 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Cedar Falls for most people.

Car Insurance Prices by Cedar Falls Neighborhood

Cedar Falls, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Cedar Falls?

The map shows insurance prices in and around Cedar Falls, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $134 per year within the city boundaries, with insurance premiums ranging from a high of $1,284 to a low of $1,150. Insurance prices tend to be higher for those living in the Northeast area, and lower for those with homes in the Southeast parts of Cedar Falls.

Pick the Best Car Insurance Company for You in Cedar Falls

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Cedar Falls insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Cedar Falls

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $259 over the average Cedar Falls car insurance company.

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We use the average good driver, paying $77 per month, as our baseline for pricing in Cedar Falls. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Cedar Falls drivers with accidents on their records

In Cedar Falls getting into an accident will raise premiums an average 32% for a yearly cost of $1,736. That's $550 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $361 over the competition.

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The best car insurance company for Cedar Falls drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $308 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Cedar Falls, tickets raise premiums on new quotes about $309. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,495 per year.

The best auto insurance for Cedar Falls drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,877 per year in auto insurance premiums, which was $690 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $414 less each year.

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The least expensive car insurance company for new and young drivers in Cedar Falls

In Cedar Falls, IMT Insurance costs young drivers $1,085 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Cedar Falls. With an average cost of $3,264 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Cedar Falls

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $80. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in Cedar Falls.

State Farm gave the largest car insurance discounts to married couples, averaging $357 saved each year compared to an average Cedar Falls couple's premiums.

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The cheapest car insurance in Cedar Falls for drivers with bad credit

People with poor credit saved an average of $547 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $776 every year. Premiums for people with poor credit were about $1,962 in Cedar Falls. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best Cedar Falls car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Cedar Falls, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Cedar Falls.

Nationwide was the best company for customer service in Cedar Falls according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Cedar Falls, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Cedar Falls. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Cedar Falls

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 38% of Cedar Falls residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Cedar Falls driver can expect to pay about $81 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Cedar Falls, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Cedar Falls

What Influences the Cost of Car Insurance in Cedar Falls?

On average, car insurance in Cedar Falls is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Cedar Falls is 19 minutes, which is far less than average for a driver in the state.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 12 to 13 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Cedar Falls are among the lowest in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
  • Cedar Falls is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.

As a result of these and other factors, the average cost of car insurance in Cedar Falls is $39 per month for minimum coverage and $99 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

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* Who is the average Cedar Falls driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Cedar Falls with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.