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Cheap Auto Insurance Quotes in Sioux City, IA (January 2022)
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On the banks of the Missouri River, Sioux City is a small city with a lot of history. Under 90,000 people call it home, and it boasts tourist attractions galore. While large portions of this area are only accessible by surface streets, much of Sioux City’s roads remain free from traffic. Driving in winter can be dangerous here, so it’s smart to enroll in a robust auto policy in the event of an accident.
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Iowa drivers are held to different standards than most of the nation's motorists: there is no specific law mandating that they purchase Iowa car insurance. However, if an Iowa driver gets into an accident, or gets a license suspended or revoked, they must demonstrate proof of financial responsibility to the state's Department of Transportation.
Teenagers should be able to make their $309 per month car insurance payment and still squeak out some spending money. In the Hawkeye State, the prices tend to go down as the years of experience increase. So young adults get an immediate $130 price cut over teen drivers. From there, the rates head in the downward direction. Except for those in their 30s, everyone pays less than the state average of $158. People in their 70s snag a sweet deal, with a price that’s less than a third of what the youngest drivers shell out monthly.
|Failure to Stop for Red Light / Stop Sign||$98|
In Sioux City, safe driving pays dividends. Residents ride with the peace of mind defensive driving offers, and insurance companies reward the responsible with “good driver” and “accident-free” discounts. Why do drivers with a failure-to-stop violation pay the least? Often, drivers with violations strip down their policies, opting for liability only and skipping comprehensive and collision coverage. An at-fault accident kicks the rate up $38 per month. Luckily, after three years of careful driving, accidents and tickets stop affecting rates.
Many Iowans have pondered just what credit has to do with driving. State law allows insurance companies to use credit when setting rates. Naturally, people with the best credit pay the least. So why do those with poor or average credit sneak in under those with better credit? People with better credit might finance costlier cars and buy more coverage to protect their assets. Regardless, poor and average credit get almost the same rate, with only a $2 difference between them.
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Residents in this area have a few options when it comes to the DMV. To the north of town is the Sioux City Driver’s License Station, which operates by appointment only. It’s open on Mondays from 8 a.m. to 1 p.m. and Tuesday through Friday from 8 a.m. to 4:30 p.m. The Woodbury County Motor Vehicle Department is open weekdays from 8 a.m. to 4 p.m. Both locations have an excellent reputation when it comes to being helpful and efficient.
Getting around Sioux City without a vehicle isn’t impossible, but it can be tough, depending on when you need help. The public bus system runs on weekdays only from 6 a.m. to 6 p.m. and does not offer rides on holidays. Rideshare options like Uber or Lyft are typically popular as Sioux City is not easy to navigate on foot, particularly during inclement weather.
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Sioux City drivers measure up to their fellow Iowa motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Sioux City drivers rank 6 in the number of car accidents per driver across all cities in Iowa.
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in Iowa, Sioux City drivers rank 9 in the number of speeding infractions per driver.
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sioux City drivers rank 9 in the number of DUI’s per driver across all cities in Iowa.
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Sioux City is the Ford Fusion.
The Insurify team classifies rude drivers as those who commit the following driving offenses: failure to yield or failure to stop, improper backing, passing where prohibited, tailgating, street racing, or hit-and-runs. Among all cities in Iowa, Sioux City drivers rank 1 in rude driving infractions.
Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sioux City drivers rank 5 in clean driving records across all cities in Iowa.
Failing to yield the right of way isn’t just frustrating for other drivers; it’s dangerous, too. Sioux City drivers rank 1 in failure to yield violations per driver across all cities in Iowa.
Reckless driving refers to a specific traffic violation: when drivers willfully act dangerously in spite of the risks they’re imposing on both themselves and others. Among all cities in Iowa, Sioux City drivers rank 1 in the number of reckless driving offenses per driver.
Day-to-day driving may not be stressful in Sioux City, but since many in this city aren’t insured, the chance of having to pay collision damages is higher. Rather than take a risk on the road, it’s wise to enroll in car insurance coverage, even if you don’t drive often.
Sioux City residents can find the right policy for them by using Insurify. After answering a few simple questions, you can compare real-time quotes and view the discounts you’re eligible for all in a matter of minutes. Save time and money with Insurify today.
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.