Cheapest Car Insurance Quotes in Cedar Falls

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Cedar Falls Car Insurance

^$ 16

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Cedar Falls

The car insurance rate in Cedar Falls is $671 for a six-month policy, which is $28 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $353, making it a popular choice for budget-conscious drivers. Rates in Cedar Falls can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Cedar Falls

$671

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Cedar Falls

1st place: West Bend Mutual

At $353 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $399 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $422 for six months, making it the third cheapest auto insurance company in Cedar Falls.

Cedar Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Cedar Falls, IA is West Bend Mutual, offering policies at just $353 for a six-month term. This is followed by Grange, which has an average six-month premium of $399.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1317 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Cedar Falls drivers find the best deals.

Cheap Car Insurance Companies in Cedar Falls, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$353	$59
Grange	$399	$68
Travelers	$422	$71
Auto-Owners Insurance Co	$428	$73
Hastings Mutual	$439	$73
Westfield	$468	$80
IMT Insurance Company	$485	$81
State Farm	$576	$97
American Family	$593	$100
USAA	$633	$107
Pekin	$644	$108
Progressive	$650	$109
Auto-Owners	$787	$132
Farm Bureau Mutual (IA Group)	$793	$134
Farm Bureau	$890	$148
Nationwide	$1055	$180
Grinnell Mutual	$1152	$192
Allstate	$1317	$222

Key Takeaways

Way's key takeaways about car insurance in Cedar Falls

The auto insurance costs in Cedar Falls fall around $353 for six months.
The cheapest auto insurance company in Cedar Falls is Pekin.
Teen drivers pay the highest rate in Cedar Falls at $567 per month.

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Cheapest Minimum Liability Car Insurance in Cedar Falls

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Cedar Falls are given below.

Pekin provides the cheapest minimum car insurance coverage in Cedar Falls. Their Average 6 Month Premium is $97. West Bend is the most expensive at $120 for the same period.

Cheapest Liability Coverage in Cedar Falls, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$97	$16
Westfield	$103	$17
Hastings Mutual	$108	$18
Progressive	$114	$19
West Bend Mutual	$114	$19
USAA	$120	$20
Grange	$126	$21
State Farm	$126	$21
Farm Bureau Mutual (IA Group)	$137	$23
Auto-Owners Insurance Co	$143	$24
Iowa Farm Bureau	$154	$26
Travelers	$159	$27
Farm Bureau	$165	$28
American Family	$171	$29
Auto-Owners	$182	$31
Grinnell Mutual	$256	$43
Allstate	$376	$63
Nationwide	$399	$68
West Bend	$120	$20

Cheapest Full Coverage Car Insurance in Cedar Falls

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Cedar Falls is West Bend Mutual at $59 per month and $353 for six months.

Cheapest Full Coverage Car Insurance Quotes in Cedar Falls, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$353	$59
Grange	$399	$68
Travelers	$422	$71
Auto-Owners Insurance Co	$428	$73
Hastings Mutual	$439	$73
Westfield	$468	$80
IMT Insurance Company	$485	$81
State Farm	$576	$97
American Family	$593	$100
USAA	$633	$107
Pekin	$644	$108
Progressive	$650	$109
Auto-Owners	$787	$132
Farm Bureau Mutual (IA Group)	$793	$134
Farm Bureau	$890	$148
Nationwide	$1055	$180
Grinnell Mutual	$1152	$192
Allstate	$1317	$222

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Average Car Insurance in Cedar Falls by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Cedar Falls, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Cedar Falls, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Cedar Falls's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Cedar Falls

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Cedar Falls,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Cedar Falls at $21 per month. At $3336 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
Grange	$143	$24
West Bend Mutual	$154	$26
Iowa Farm Bureau	$177	$30
Travelers	$599	$101
USAA	$747	$126
Progressive	$1123	$189
State Farm	$1278	$215
American Family	$1511	$254
Farm Bureau	$1945	$324
Farm Bureau Mutual (IA Group)	$2139	$364
Auto-Owners	$2178	$363
Grinnell Mutual	$2589	$441
Allstate	$2851	$480
Nationwide	$3336	$567

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Cedar Falls, Grange is the cheapest car insurance provider. At $165 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Cedar Falls is Grinnell Mutual, offering rates of around $2025 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$165	$28
Westfield	$200	$34
West Bend Mutual	$205	$35
Travelers	$223	$37
Progressive	$644	$108
American Family	$741	$125
State Farm	$1380	$232
Nationwide	$1505	$256
Farm Bureau	$1534	$255
Allstate	$1996	$340
Auto-Owners	$2013	$335
Grinnell Mutual	$2025	$345

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Car Insurance Rates with An Accident in Cedar Falls

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Cedar Falls, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Falls

The cheapest car insurance companies after an at-fault accident in Cedar Falls include Hastings Mutual and Pekin, offering $108 and $132, respectively. Allstate is an expensive provider with an average six-month premium of $1808.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$108	$18
Pekin	$132	$22
Western National	$171	$29
Westfield	$171	$29
Grange	$194	$33
Auto-Owners Insurance Co	$200	$34
West Bend Mutual	$200	$34
State Farm	$417	$70
Travelers	$428	$72
Progressive	$605	$102
Grinnell Mutual	$684	$115
American Family	$787	$132
USAA	$878	$146
Auto-Owners	$1032	$176
Farm Bureau Mutual (IA Group)	$1169	$195
Farm Bureau	$1449	$247
Nationwide	$1676	$279
Allstate	$1808	$304

Cedar Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Cedar Falls IA. For example, the car insurance in Cedar Falls after a DUI increases to $684 for a six month policy. While the rate increases by $97 for a six-month policy in the case of a speeding ticket.

Cedar Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$804	$134
One Med/PIP claim	$815	$138
Not-at-fault accident	$838	$140
One comp claim	$861	$147
Two Med/PIP claims	$884	$147
Child safety restraint	$901	$154
Failure to show documents	$901	$150
Failure to wear a seat belt	$901	$154
Speeding 6 - 10 MPH over limit	$901	$150
Two comp claims	$901	$154
Driving without lights	$906	$151
Driving with expired registration	$929	$158
Failure to yield	$929	$155
Illegal turn	$929	$158
Failure to stop at a red light	$935	$156
Wrong way/wrong lane	$941	$160
Cell phone violation	$947	$157
Driving too slowly	$947	$161
Speeding 11 - 15 MPH over limit	$947	$157
Texting while driving	$947	$161
Speeding 16 - 20 MPH over limit	$952	$158
Speeding in school zone	$964	$164
Improper passing	$970	$161
Following too closely	$975	$166
At-fault accident - less than $1000	$993	$165
Passing school bus	$1009	$172
Operating a vehicle without permission	$1061	$177
At-fault accident - $1000-$2000	$1078	$183
Speeding 21 - 25 MPH over limit	$1078	$180
At-fault accident - greater than $2000	$1084	$184
In 65 MPH zone	$1158	$193
Open container	$1220	$207
Racing	$1375	$229
Driving with a suspended license	$1403	$238
Reckless driving	$1437	$239
Refusal to submit to a chemical test	$1460	$249
DUI	$1488	$248
Leaving scene of an accident/hit and run	$1505	$256

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Cedar Falls after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Cedar Falls.

The cheapest car insurance premiums in Cedar Falls are offered by Western National at $171 for a six-month policy. However, it can be as expensive as $2230 with companies like Grinnell Mutual.

Cedar Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$171	$29
Grange	$223	$37
Travelers	$223	$37
West Bend Mutual	$223	$37
Progressive	$428	$72
State Farm	$496	$84
American Family	$815	$137
Allstate	$1751	$298
Auto-Owners	$1864	$311
Farm Bureau	$1945	$330
Nationwide	$2087	$348
Grinnell Mutual	$2230	$379

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Cedar Falls are offered by Westfield at $126. However, it can be as expensive as $1460 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Cedar Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$126	$21
West Bend Mutual	$148	$25
Western National	$171	$29
Iowa Farm Bureau	$188	$32
Travelers	$188	$32
Grange	$194	$33
State Farm	$325	$55
Progressive	$479	$81
American Family	$576	$97
Farm Bureau	$1090	$181
Grinnell Mutual	$1152	$196
Nationwide	$1323	$221
Auto-Owners	$1369	$232
Allstate	$1460	$243

Car Insurance Price Trends in Cedar Falls, Iowa

Car insurance rates in Cedar Falls have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Cedar Falls remained steady at $134 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Cedar Falls remained steady at $28 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Cedar Falls?

The car insurance in Cedar Falls is $16 per month, which is lower than the national average.

What is the cheapest car insurance in Cedar Falls?

The cheapest car insurance in Cedar Falls is $59 per month for full coverage.

How much is car insurance in Cedar Falls for teenagers?

Car insurance for teenagers costs $126 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Cedar Falls?

The average cost of car insurance is $699 for a six-month policy. It will cost around $112 per month to insure your car in Cedar Falls.

Is car insurance expensive in Cedar Falls?

Car insurance can be expensive in Cedar Falls if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Cedar Falls can be affordable.

Cheapest Car Insurance Quotes in Cedar Falls

Why you can trust Way?

How Much Is Car Insurance in Cedar Falls

Avg. Car Insurance in Cedar Falls

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Cedar Falls

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Cedar Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Cedar Falls, IA

Way's key takeaways about car insurance in Cedar Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Cedar Falls

Cheapest Liability Coverage in Cedar Falls, IA

Cheapest Full Coverage Car Insurance in Cedar Falls

Cheapest Full Coverage Car Insurance Quotes in Cedar Falls, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Cedar Falls by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Cedar Falls, IA increasing?

Car Insurance Premiums by Age in Cedar Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Cedar Falls,IA

If you are in your twenties N/A is the best choice for car insurance in Cedar Falls.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Cedar Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Cedar Falls

Cedar Falls Car Insurance Rates by Violation

Cedar Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Cedar Falls after a DUI

Cedar Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Cedar Falls after Speeding ticket

Car Insurance Price Trends in Cedar Falls, Iowa

Average Car Insurance Cost in Cedar Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Cedar Falls, IA

Car Insurance Rates by State in the USA (2025 Update)

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