Cheap Auto Insurance Quotes in Sioux City, IA (2021)

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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.

Car Insurance in Sioux City, IA

The average cost of Iowa car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Sioux City, IA to find you the cheapest quotes in the area.

Quotes by Top Carriers
Quotes ($/mo)
$27
$43
$44
$94
$148
ProgressiveState FarmAllstateNationwideThe General
Monthly $

Cheapest Car Insurance in Sioux City, IA

Here are the cheapest carriers in Sioux City for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Best Car Insurance in Sioux City, IA

The Insurify Composite Score is calculated by analyzing multiple factors that indicate the quality, reliability, and health of an insurance company. Inputs to the score include financial strength ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings, Consumer Reports customer satisfaction surveys, mobile app reviews, and user-generated carrier reviews. The following are the top rated carriers that offer car insurance in Sioux City. For the complete list, see Insurify's best car insurance companies.

Average Car Insurance Cost

Quotes by Top Carriers
Quotes ($/mo)
$79
$70
$64
$92
$83
$85
IowaDes MoinesCedar RapidsDavenportIowa CitySioux City
Monthly $

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Sioux City, IA Driving Facts

iowa

Minimum Car Insurance Requirements in IA

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.

Sioux City Car Insurance Rates by Driver Age

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.

Driving History
No Violation$196
Speeding Ticket$182
At-Fault Accident$234
Failure to Stop for Red Light / Stop Sign$98

Sioux City Car Insurance Rates by Driving and Accident History

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.

Sioux City Car Insurance Rates by Credit Tier

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.

Sioux City, IA DMV Information

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.

Public Transportation in Sioux City, IA

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.

Conclusion: How to get the best and cheapest car insurance in Sioux City, IA

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.

Find local Sioux City agents

Central Insurance at Central Bank
2906 Hamilton Blvd, Sioux City, IA 51102
McClintock Insurance, Inc.
908 Pierce St, Sioux City, IA 51102
Goodin Insurance Agency
103 S Virginia St STE 200, Sioux City, IA 51101
Rushmore Fin Partners/Security Ins
117 Pierce St, Ste 108, Sioux City, IA 51101
Dacres Agency
1100 S Glass St, Sioux City, IA 51106
NW Consultants/IBC Insurance LLC
412 Water Street, Sioux City, IA 51103
Securus Insurance Group
5529 Military Road, Sioux City, IA 51109
Don Faber Agency
2006 Greenbrier Ct., Sioux City, IA 51104
Andersen Investment & Insurance Agency
1306 Pierce St, Sioux City, IA 51105
Pioneer-Wooldridge Insurance
701 Pierce Street, Ste 101, Sioux City, IA 51101

Insurify Insights: How Sioux City Drivers Measure Up

ford
Ford Fusion
Most Popular Car in
Sioux City, IA
suspended licenses
#8
Cities with Most
Suspended Licenses Rank

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.

Accidents Sioux City

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.

  • Rank within state: #6
  • Percent of drivers in Sioux City with an accident: 12.3%
  • Drivers in Sioux City, IA with an accident in their driving history paid on average 40.8% more than drivers with a clean record

Speeding Sioux City

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.

  • Rank within state: #9
  • Percent of drivers in Sioux City with a speeding ticket: 14.47%
  • Drivers in Sioux City, IA with a speeding ticket in their driving history paid on average 44% more than drivers with a clean record

DUI/DWIs Sioux City

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.

  • Rank within state: #9
  • Percent of drivers in Sioux City with a DUI: 2.71%
  • Drivers in Sioux City, IA with a DUI in their driving history paid on average 15.2% more than drivers with a clean record

Most Popular Vehicle Sioux City

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.

Rude Sioux City

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.

  • Rank within state: #1
  • Percent of drivers in Sioux City with a reckless driving violation: 4.7%
  • Drivers in Sioux City, IA with a reckless driving violation in their driving history paid on average 68.8% more than drivers with a clean record.

Safest Drivers Sioux City

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.

  • Rank within state: #5
  • Percent of drivers in Sioux City with clean record: 73.06%

Failure to Yield the Right of Way Sioux City

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.

  • Rank within state: #1
  • Percent of drivers in Sioux City with a failure to yield violation: 1.27%
  • Drivers in Sioux City, IA with a failure to yield violation in their driving history paid on average --% more than drivers with a clean record

Reckless Drivers Sioux City

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.

  • Rank within state: #1
  • Percent of drivers in Sioux City with a reckless driving offense: 0.36%

FAQs - Sioux City, IA Car Insurance

Do I have to purchase auto insurance in Sioux City?

Unlike in most other states, residents in Iowa are not legally required to enroll in car insurance. If you choose to forgo coverage, keep in mind that you will be financially responsible for the damages caused in an accident where you’re at fault.

What happens if I don’t have insurance and I’m involved in an accident in Sioux City?

If you’re found to be at fault, you must show proof of financial responsibility, such as establishing an installment plan or posting a bond. Drivers who cannot demonstrate financial responsibility may have their licenses revoked for up to one year.

Can Sioux City residents buy cheap car insurance?

For the lowest rates on auto coverage, make sure to visit Insurify. Sioux City drivers can enroll in an inexpensive policy that meets both their driving and budgetary needs.

Insurify Rate Comparison Methodology

The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.