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Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
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Updated November 20, 2024
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Table of contents
In Sioux City, Iowa, the average monthly cost of car insurance is $105, which is cheaper than the national average of $154 but a bit more expensive than the state average of $94.
Sioux City has a relatively low population density compared to larger metropolitan areas, which may explain why residents benefit from cheaper rates than the national average. Drivers in less populated areas often pay lower car insurance rates due to a lower risk of car accidents.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Sioux City.
Auto-Owners, USAA, and GEICO have the cheapest liability insurance rates in Sioux City.
Sioux City drivers pay $57 per month for liability insurance and $131 for full-coverage insurance, on average.
Iowa state law allows car insurance companies to consider your credit-based insurance scores when setting your rates.
3 of the cheapest car insurance companies in Sioux City
The best car insurance policy and company varies by driver because your rates and coverage needs will depend on your budget, driving profile, and more. When comparing companies, you should consider cost, coverage offerings, discount availability, customer satisfaction, and more.
It’s important to get personalized quotes to find the cheapest car insurance for you, but you can start your search below with three of the cheapest car insurance companies in Sioux City. The average rates reflect statewide insurance costs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $43 | $22 | Cheap rates |
USAA | 9.4 | $46 | $23 | Military families |
GEICO | 9.0 | $50 | $25 | Senior drivers |
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $25/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $49/mo |
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Drivers appreciate the friendly customer service, competitive initial rates, and professional agents but dislike the frequent price increases and complicated claims process.
Debra
November 3, 2024
Excellent
Scotty
November 2, 2024
They are a bunch of crooks. My policy has increased every single time, and I've only had one small claim.
Dana
October 31, 2024
Average
Auto-Owners has some of the cheapest insurance rates for Sioux City drivers, and customers can save even more by qualifying for one or more discounts from the company. In addition to insuring traditional cars, the company sells coverage for trucks, motorcycles, RVs, and classic cars.
Offers other insurance products, including home, life, and business insurance
Loan and lease gap insurance available
Quotes not available online
No 24/7 claims service
Best insurer for military families: USAA
User Reviews | 4.9 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $26/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $52/mo |
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Drivers appreciate the ease of working with the carrier, competitive rates, and responsive service but dislike the price increases and lack of rideshare add-ons in some areas.
Gloria
November 15, 2024
Not Good for Claims
Martin
November 11, 2024
Price Shopping
Rena Sabine
November 8, 2024
Disappointing and inflexible service
USAA offers a variety of insurance policies, as well as banking and investment products, for people with a military connection. If you’re eligible to join, the company offers affordable coverage options and a number of discounts. USAA customers can also earn usage-based discounts for driving infrequently and practicing safe driving habits.
Highly rated mobile app
Safe drivers can save with SafePilot program
Only available to military members, veterans, and eligible family members
Doesn’t insure motorcycles, ATVs, RVs, boats, or personal watercraft
Best insurer for senior drivers: GEICO
User Reviews | 4.0 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0 /10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $28/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $57/mo |
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
Drivers appreciate the excellent customer service and initial low prices but dislike the frequent price increases.
James
November 19, 2024
Unsatisfactory Experience with Geico
Edward
November 18, 2024
Experience with Geico
Chris
November 18, 2024
Poor
GEICO offers some of the lowest rates in Sioux City, so it’s great for budget-minded drivers and people on a fixed income, like retirees. Senior drivers have a number of discount opportunities with GEICO, including defensive driving, accident-free, and multi-car discounts. Some drivers may even qualify for a retired government and military discount.
Can purchase policies online
Highly rated mobile app
Gap insurance not available
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
How to get the cheapest car insurance in Sioux City
Insurance companies consider several different elements to gauge the risk you pose as a driver and how much you should pay, including your driving record, age, ZIP code, the type of vehicle you drive, and more.
Here are some practical tips to help you find affordable car insurance in Sioux City:
Shop around and compare quotes. Don’t settle for the first quote you receive. Different companies weigh factors differently, so shopping around can lead to significant savings.
Bundle your policies. Bundling your home insurance, renters insurance policy, or life insurance policy with your auto insurance can unlock discounts.
Increase your deductible. Opting for a higher deductible — the amount you pay toward a claim before your insurance kicks in — can lower your premium.
Maintain a clean driving record. Safe driving protects you and others on the road and can also lead to lower insurance costs.
Ask about discounts. Insurance companies offer various discounts, including savings for bundling insurance coverage, completing a defensive driving course, and installing safety equipment in your vehicle. Ask your insurance agents about any potential discounts you might qualify for.
Cheapest liability-only car insurance in Sioux City: Auto-Owners
Liability-only car insurance covers the costs associated with damage and injuries you cause to others in a car accident. It doesn’t cover repairs to your own vehicle or medical costs for your injuries.
The average cost of liability-only car insurance in Sioux City is $61 per month.
Here are the cheapest options for liability-only insurance in Sioux City.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $25 |
USAA | $26 |
GEICO | $28 |
American Family | $30 |
Allstate | $31 |
Farmers | $36 |
Safeco | $47 |
Nationwide | $48 |
Travelers | $48 |
National General | $56 |
Progressive | $57 |
Bristol West | $61 |
Dairyland | $63 |
Direct Auto | $67 |
Liberty Mutual | $78 |
Root | $90 |
Foremost | $99 |
The General | $99 |
Cheapest full-coverage car insurance in Sioux City: Auto-Owners
Full-coverage car insurance includes liability, collision, and comprehensive coverage. This policy provides protection for damage to your own vehicle resulting from a collision, theft, vandalism, or weather events. This is particularly beneficial for drivers with newer or more valuable vehicles. If you have an auto loan, your lender may require you to purchase this policy.
Full-coverage car insurance in Sioux City costs $148 per month.
The following table highlights the companies offering the lowest rates in Sioux City.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $49 |
USAA | $52 |
GEICO | $57 |
American Family | $60 |
Allstate | $64 |
Farmers | $74 |
Nationwide | $98 |
Travelers | $98 |
Safeco | $102 |
National General | $107 |
Progressive | $116 |
Direct Auto | $125 |
Root | $135 |
Dairyland | $180 |
Bristol West | $203 |
Liberty Mutual | $204 |
Foremost | $220 |
The General | $227 |
Cheapest recent rates near Sioux City, Iowa
Recent Sioux City, Iowa car insurance prices for Honda, Chevrolet, Ford , and more.
*Quotes generated for Insurify users in and around Sioux City, Iowa within the last 10 days. Last updated on November 20, 2024
*Quotes generated for Insurify users in and around Sioux City, Iowa within the last 10 days. Last updated on November 20, 2024
Car insurance requirements in Iowa
Iowa state law requires drivers to carry a minimum amount of liability insurance to cover the cost of damages or injuries they cause to others in an accident. Iowa is an at-fault state, which means you need to cover the other driver’s medical bills and repair costs if you cause an accident.
Here are the minimum-coverage requirements for Iowa drivers:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $20,000 per person / $40,000 per accident |
Property damage liability | $15,000 per accident |
Because liability insurance doesn’t cover your vehicle, you may want to purchase insurance optional coverage options. Here are common additional coverages to consider:
Collision coverage
Collision insurance covers damage to your vehicle resulting from a collision, regardless of fault.
Comprehensive coverage
If a non-collision incident — such as theft, vandalism, or hail — damages your vehicle, comprehensive insurance can cover your vehicle.
Medical payments coverage
Medical payments coverage can pay for medical bills for you and your passengers in the event of an accident, regardless of fault.[2]
Rental reimbursement coverage
Following a covered accident, rental reimbursement coverage can pay for the cost of a rental car while your vehicle needs repairs.
Roadside assistance coverage
Roadside assistance coverage typically includes services like towing, flat-tire changes, and jump-starts if you need assistance on the road.
Cheapest car insurance for drivers with an incident
An incident refers to events that can tarnish your driving record, such as at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]
Incidents on your record can lead to increased insurance rates because insurance companies use your driving history as a key factor in setting your premiums. The average cost of liability auto insurance for Sioux City drivers with a past incident is $105 per month.
Here’s a look at how average rates can vary for drivers with different types of incidents from a few top insurance companies.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $25 | $35 | $37 | $44 |
USAA | $26 | $36 | $38 | $46 |
GEICO | $28 | $39 | $41 | $49 |
American Family | $30 | $42 | $44 | $53 |
Allstate | $31 | $43 | $46 | $55 |
Farmers | $36 | $50 | $53 | $64 |
Safeco | $47 | $67 | $69 | $77 |
Nationwide | $48 | $68 | $71 | $85 |
Travelers | $48 | $68 | $71 | $85 |
National General | $56 | $79 | $83 | $99 |
Progressive | $57 | $79 | $85 | $101 |
Bristol West | $61 | $86 | $90 | $108 |
Dairyland | $63 | $88 | $92 | $111 |
Direct Auto | $67 | $94 | $101 | $118 |
Liberty Mutual | $78 | $117 | $122 | $138 |
Root | $90 | $135 | $141 | $143 |
Foremost | $99 | $149 | $155 | $175 |
The General | $99 | $141 | $149 | $175 |
Average cost of car insurance by age
Your age plays a big role in your insurance rates. Teen drivers pay the highest rates among all age groups due to a lack of driving experience and a higher likelihood of having an at-fault accident.
Rates typically decrease with age for drivers between 35 and 70. But rates tend to increase again for senior drivers 70 and older due to a higher risk of health issues and slower reaction times associated with aging, which can affect driving ability.
The table below shows the average monthly insurance rates for Sioux City drivers by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $315 |
20s | $236 |
30s | $172 |
40s | $154 |
50s | $128 |
60s | $115 |
70s | $117 |
Sioux City car insurance quotes by credit tier
Iowa state law allows car insurance companies to consider credit-based credit scores when calculating car insurance premiums.[4] Statistics indicate that people with poor credit scores tend to file more claims and more expensive claims than drivers with good credit. Maintaining a good or excellent credit score can help you qualify for lower rates.
Here are the average full-coverage insurance rates for Sioux City drivers by credit tier.