8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
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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Cheapest recent rates in Iowa
Drivers using Insurify have found quotes as cheap as $22/mo for liability only and $43/mo for full coverage in Iowa.
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users from Iowa within the last 10 days. Last updated on March 14, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from March 14, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
In Sioux City, Iowa, the average monthly cost of car insurance is $125, which is cheaper than the national average of $157 but a bit more expensive than the state average of $114.
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.
Quick Facts
Auto-Owners, USAA, and GEICO have the cheapest liability insurance rates in Sioux City.
Sioux City drivers pay $62 per month for liability insurance and $167 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-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Full Coverage
Liability Only
Best for
Auto-Owners
4.0
$43
$22
Cheap rates
USAA
4.5
$46
$23
Military families
GEICO
4.2
$50
$25
Senior drivers
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.
Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.1
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
837
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.
$24/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.
$47/mo
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.
Pros
Offers other insurance products, including home, life, and business insurance
Loan and lease gap insurance available
Cons
Quotes not available online
No 24/7 claims service
I was pleased with the agent and for years the price, but now they have gotten too expensive for a person on a fixed income.
Mary - August 13, 2023
Verified
I was dropped because of two minor at-fault accidents in two plus years.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
880
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.
$50/mo
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.
Pros
Highly rated mobile app
Safe drivers can save with SafePilot program
Cons
Only available to military members, veterans, and eligible family members
Doesn’t insure motorcycles, ATVs, RVs, boats, or personal watercraft
They have stopped thinking about how today's financial strain is impacting their customers.
Darcy - November 26, 2023
Verified
Not satisfied with price hike even after lowering coverage.
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
4.3
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
835
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.
$27/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.
$54/mo
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.
Pros
Can purchase policies online
Highly rated mobile app
Cons
Gap insurance not available
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
Everything good except the price.
RAY - December 4, 2023
Verified
I have not had problems; prices just remain high with little to no customer service and little benefit from 26+ years of customer loyalty.
Elizabeth - December 3, 2023
Verified
I had been with them a few years until they started raising my rates every time I was up for renewal. I got a new quote from another company that was $50 less than GEICO for the same coverage. That's not how to show customer loyalty, and it's the reason GEICO lost me as a customer.
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.
Find Cheap Car Insurance in Sioux City, Iowa
Liability quotes start at $24 per month
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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 $69 per month.
Here are the cheapest options for liability-only insurance in Sioux City.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
24
USAA
25
GEICO
27
American Family
29
Allstate
30
Farmers
35
Safeco
41
Nationwide
47
Travelers
47
Progressive
55
Dairyland
57
Bristol West
62
Midvale Home & Auto
63
Liberty Mutual
67
Direct Auto
72
The General
97
Foremost
103
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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 $182 per month.
The following table highlights the companies offering the lowest rates in Sioux City.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Average Monthly Quote
Auto-Owners
47
USAA
50
GEICO
54
American Family
58
Allstate
61
Farmers
70
Travelers
93
Nationwide
95
Safeco
98
Progressive
111
Midvale Home & Auto
112
Direct Auto
138
State Auto
151
Dairyland
162
Liberty Mutual
196
Bristol West
207
The General
212
Foremost
218
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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]
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
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 $125 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.
The below rates are estimated rates current as of: Thursday, March 14 at 12:00 PM PDT.
Insurance Company
Clean Driving Record
With Speeding Ticket
With At-Fault Accident
With DUI
Auto-Owners
24
32
34
40
USAA
25
33
35
42
GEICO
27
35
38
45
American Family
29
39
41
48
Allstate
30
39
42
50
Farmers
35
46
49
59
Safeco
41
59
63
69
Nationwide
47
62
67
79
Travelers
47
63
67
79
Progressive
55
75
81
92
Dairyland
57
77
82
95
Bristol West
62
83
87
104
Liberty Mutual
67
94
101
112
Direct Auto
72
97
105
120
The General
97
131
141
162
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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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
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
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.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Sioux City car insurance FAQs
Before comparing insurance quotes, you should determine how much car insurance you need. The following information should help you navigate the process of finding cheap car insurance in Sioux City.
How much is car insurance in Sioux City?
The overall cost of car insurance in Sioux City is $125 per month. Drivers in the city pay $69 per month for liability insurance and $182 for full-coverage insurance, on average.
How much you pay for coverage will depend on your driving record, age, ZIP code, and more.
Which companies have the cheapest car insurance in Sioux City?
The cost of liability insurance from Auto-Owners is $24 per month, making it the cheapest car insurance company in Sioux City. USAA and GEICO also have cheap liability insurance, with respective rates of $25 and $27 per month.
The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Sioux City?
With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 4.2 out of 5, and ample available discounts, GEICO is the best car insurance company in Sioux City. Iowa drivers with coverage from GEICO pay $25 per month for liability insurance and $50 for full-coverage insurance.
Other top insurers include USAA and Auto-Owners.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
Property damage limits between $10,000 and $50,000
No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
Comprehensive coverage with a $1,000 deductible
Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Edited byKatie PowersAuto and Life Insurance Editor
Katie PowersAuto and Life Insurance Editor
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.