Cedar Rapids Insurance Rates:

Cedar Rapids, IA home insurance is about $570 to $772, about $47-$64/month. Our all inclusive analysis reveals consumers can save upto $268 by getting different quotes

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Cedar Rapids Home Owner Insurance Quotes | Write a Review | Rates & Quotes Analysis
Farmers Insurance
Home Insurance Rate of $350/8 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $95,000

2 Beds, 2 Bath 1380 sqft Seasonal Residence Constructed In 1975 with Stone Flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Metal Frame Construction. Home Features Include Fireplace, Indoor Sprinklers, Copper Water Pipes, Central Air Conditioning, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

24 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has More than 3 Pets at home and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $450/9 months for $75000-$100000 Coverage
Policy Holder Home Details :

Home Value : $90,000

3 Beds, 3 Baths 1320 sqft Seasonal Residence Constructed In 2001 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Vinyl siding, Stucco Construction. Home Features Include Indoor Sprinklers, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

60 Years old Divorced Male who is Unemployed with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 750-799 Credit Score

  • Seniors staying at home

Home Insurance Rate of $1390/12 months for $250000-$300000 Coverage
Policy Holder Home Details :

Home Value : $305,000

5 Beds, 5 Baths 4180 sqft Seasonal Residence Constructed In 2014 with Hardwood Flooring, Shingles Roof, Chainwall Foundation, Vinyl siding, Metal Frame Construction. Home Features Include Copper Water Pipes, Indoor Sprinklers, Deadbolt Locks, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

43 Years old Single Male who has a Full Time Job with household income of $75-$100,000 and has 1 Pet and is a Smoker

Additional Details :
  • 75-100% Mortgage Paid off

  • 600-649 Credit Score

  • Guests at home

Home Insurance Rate of $520/9 months for $150000-$175000 Coverage
Policy Holder Home Details :

Home Value : $170,000

4 Beds, 4 Baths 1720 sqft Vacation Property Constructed In 2010 with Wood Flooring, Wood Shake Roof, Slab Foundation, Fiber-Cement Siding, Stucco Construction. Home Features Include Swimming Pool, Indoor Sprinklers, Copper Water Pipes, Circuit Breaker Electricals and Security by Monitoring Company

About Policy Holder:

27 Years old Single Female who has a Full Time Job with household income of $50-$75,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 600-649 Credit Score

  • Seniors staying at home

Home Insurance Rate of $340/5 months for $125000-$150000 Coverage
Policy Holder Home Details :

Home Value : $125,000

2 Beds, 2 Bath 1440 sqft Seasonal Residence Constructed In 2010 with Hardwood Flooring, Membrane Roof, Piers Foundation, Brick siding, Brick Frame. Home Features Include Swimming Pool, Fireplace, Copper Water Pipes, FuseBox Electricals and Security by HomeOnly

About Policy Holder:

37 Years old Married Female who is Unemployed and has 2 Pets and is a Smoker

Additional Details :
  • 0-25% through paying our mortgage

  • Up to 499 Credit Score

  • Seniors staying at home

  • Guests at home

Home Insurance Rate of $470/10 months for $100000-$125000 Coverage
Policy Holder Home Details :

Home Value : $120,000

3 Beds, 3 Bath 1330 sqft Vacation Property Constructed In 2010 with Wood Flooring, Asphalt Shingles Roof, Slab Foundation, Stucco siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

49 Years old Single Male who is a Freelancer with household income of less than $25,000 and has No Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 650-699 Credit Score

  • Seniors staying at home

Home Insurance Rate of $440/3 months for $175,000-$200,000 Coverage
Policy Holder Home Details :

Home Value : $155,000

3 Beds, 3 Baths 1510 sqft Rental Property Constructed In 1996 with Carpet over wood flooring, Wood Shake Roof, Slab Foundation, Stone Siding, Stucco Construction. Home Features Include Copper Water Pipes, Swimming Pool, Fireplace, FuseBox Electricals and Security by Monitoring Company

About Policy Holder:

52 Years old Divorced Female who is a Freelancer with household income of less than $25,000 and has 3 Pets and is a Smoker

Additional Details :
  • 25-50% Mortgage Paid off

  • 800-850 Credit Score

  • Guests at home

Cedar Rapids, IA Home Insurance by Zip Code

Zip Code Median Home Value Median Homeowners Insurance
52401 $86,100 $650
52411 $266,900 $760
52403 $139,200 $690
52402 $134,500 $680
52405 $133,500 $680
52404 $118,800 $670

Cedar Rapids Rates & Quotes Analysis:

Cedar Rapids Area Estimated House Insurance
34th Street Dr SE, Hardshell Rd, 18th St SE, Robins Square Dr, A St SW, Co Rd NE, Edgewood Ln NW, Cherry Valley Rd SW, Beech Way SW, Bowman Ct NE$700
Caribou Ct NE, Green St, Sprucewood Dr NE, Wendy Lee Ln NW, Hunters Creek Way, Skillman Rd, Beecher Ct NW, Cress Pkwy, 9th Ave, Woodcrest St NE$689
11th Ave, Hagerman Rd, 23rd St SE, Salem Cir, 26th Ave Dr SW, Fruitland Blvd SW, Hawks Haven Rd, A Ave NE, Hinkley Ave NW, 21st St SE$663
Maureen Ct SE, Rawson Ln, Blue Heron Ct NE, Doubletree Rd NE, Diagonal Dr SW, Innes Way, Lewellen Dr NW, Minnie Ln, 8th St SE, Parkwood Rd$716
27th Street Ct SW, N Alburnett Rd, 15th St SW, 23rd St NW, N 10th Ave, Topaz Ave NW, Staub Ct NE, 41st St, Affirmed Ln, I Ave NW$670
Cavalier St NE, Tiperary Dr NE, Grant Wood Forest Ln, G Ave NE, Bealer Ct SE, 6th Ave SW, 32nd St SE, Pro Farmer Rd, 32nd St NE, G Ave NW$653
Pine Crest Dr, Czech Ln NE, Ravenwood Ter NW, Featherstone Dr, Robert Ct, Ellis Blvd NW, Vogt St, Dodge Rd NE, Camburn Ct SE, Granite Ct NE$711
Hemlock Pl NE, 32nd St NE, Secretariat Dr, D Ave NW, Boxwood Ln NE, Rosedale Rd, Knoll Rd, Foxborough Ter NE, Deer Lane Rd, Limerock Dr NW$716
Mission Ave, Timberland Dr NW, Harbet Ct NW, 8th St NE, Concord Dr, Yates Rd, Idlebrook Ln NE, Towerstone Ct, Burch Ave NW, Tama St SE$715
41st Street Pl, 27th St, Tower Terrace Rd, Neta Dr, C Ave, Cory Ct SW, 20th St NE, Winchester Dr, Tonga Dr, Falbrook Dr NE$691

Insurance rates are influenced by a number of factors including:

  • Year Built: 8,678 Homes (15% of total homes ) built between 1960 to 1969 in Cedar Rapids are paying home insurance between $1,175-$1,185. Places close to Cedar Rapids, IA such as College, Fairfax, Bertram are more expensive by $74, $62, $60 respectively while Shellsburg and Norway are cheaper by $11 and $33 respectively for similar homes.
  • Bedrooms: 8,598 4 bedrooms homes (15% of total homes ) in Cedar Rapids are paying about $979 and differs from College (+$56), Fairfax (+$53), Bertram (+$44), Shellsburg (-$9) and Springville (-$12).
  • Auto Insurance Bundling: 16,859 Households (45% of all households) in Cedar Rapids have 2 vehicles available and when it is bundled with home insurance you can save $134. Discounts for similar bundling in close by locations such as Hiawatha, College, Fairfax come to $134, $142, $141 respectively.
  • Senior Discounts: 16,209 seniors (more than 55 years) occupied housing units (44% of total) in Cedar Rapids get discounts between $100 to $102 compared to Hiawatha ($100), College ($107), Fairfax ($106).
  • New Homes discounts: New homes such as the 23,426 homes built between 2000 to 2009 in Cedar Rapids can save $134 and similar new home insurance discounts in nearby towns and cities like Hiawatha, College and Fairfax are $134, $142 and $141 respectively.

Cedar Rapids Homeowners insurance Facts

  • Cedar Rapids, IA has 36,746 owner occupied houses which is 69.8% of all units whereas Hiawatha, College and Fairfax have 62.28%, 94.44% and 92.1% respectively.
  • Cedar Rapids, IA homeowners yearly insurance price at $671 is 0.51% of the typical house value of $131,300 which is in contrast with 0.52% in Hiawatha, 0.33% at College & 0.35% in Fairfax.
  • Homeowners in Cedar Rapids, IA pay 0.89% of their income ($75,000 or more) in insurance whereas homeowners in Hiawatha, College and Fairfax pay 0.89%, 0.95% and 0.94% respectively.
  • Cedar Rapids, IA’s insurance is 4.6% of monthly housing costs of $1,207/month, for owners with a mortgage compared to 4.3% in Hiawatha, 3.87% at College & 3.71% in Fairfax. But, for households without a mortgage, insurance is 13.1% of costs ($428 in Cedar Rapids, IA) in contrast with 12.19% in Hiawatha, 11.81% at College & 12.89% in Fairfax.

Cedar Rapids, IA Home Values & Insurance rates

For example, insurance for 1,488 Homes (4.0% of total homes ) valued between $250,000 to $299,999 in Cedar Rapids, IA is about $1,402. Rates in nearby areas in such as College, Fairfax, Bertram are cheaper by $496, $434, $435 respectively while Hiawatha and Shellsburg are costlier by $18 and $140 respectively for similar homes.

Cedar Rapids, IA Home By Value Total Homes % of Total Average Homeowners Insurance
Less than $50,000 2,429 6.0% $127
$50,000 to $59,999 644 1.0% $261
$60,000 to $69,999 644 1.0% $328
$70,000 to $79,999 1,685 4.0% $382
$80,000 to $89,999 2,044 5.0% $429
$90,000 to $99,999 2,149 5.0% $483
$100,000 to $124,999 7,098 19.0% $556
$125,000 to $149,999 6,625 18.0% $697
$150,000 to $174,999 3,850 10.0% $825
$175,000 to $199,999 2,624 7.0% $952
$200,000 to $249,999 3,378 9.0% $1147
$250,000 to $299,999 1,488 4.0% $1402
$300,000 to $399,999 1,261 3.0% $1784

Renters Insurance in Cedar Rapids

  • Average Renters Insurance in Cedar Rapids :  $135($11/month)

  • Median Gross Rent in Cedar Rapids :  $680

  • Cedar Rapids Renters Insurance to Median Rent Ratio:  1.62%

  • Renter occupied housing units in Cedar Rapids :  15,868

Cedar Rapids Renters Insurance as a Percentage of Rent

Cedar Rapids Home By Monthly Rent Total Homes % of Total Estimated Monthly Income To Afford Rented House Including Renters Insurance
Less than $200 226 1.0% $333
$200 to $299 576 3.0% $783
$300 to $499 2,821 18.0% $1233
$500 to $749 5,590 36.0% $1908
$750 to $999 3,859 25.0% $2658
$1,000 to $1,499 1,775 11.0% $3783
$1,500 or more 506 3.0% $5433

Protective device discount in Cedar Rapids Up to :  $20

Claims-free discount in Cedar Rapids Up to :  $27