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Cheap Auto Insurance Quotes in Sioux City, IA (October 2022)

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Why you can trust Insurify

Insurify is America's highest-rated insurance comparison platform. We partner with the nation's top insurance companies and are licensed as an agent in all 50 states. However, the insurance experts writing our content operate independently of our partners, and you can learn more about how we make money by viewing our advertising disclosures. Also check out reviews from over 3,000 satisfied customers, our data methodology, and our editorial standards.
Tanveen Vohra

By: Tanveen Vohra

Edited by Olivia Oksenhorn | Reviewed by Licensed Insurance Agent, Amber Benka

Updated August 31, 2022

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.

Quick Facts

  • The average cost of car insurance in Sioux City is $141 per month, or $1692 annually.

  • Car insurance in Sioux City is $1 less than the average cost of car insurance in Iowa.

  • The cheapest car insurance provider in Sioux City on average is Foremost GroupSelect℠, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$27
State Farm
$43
Allstate
$44
Nationwide
$94
The General
$148

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Cheapest Car Insurance in Sioux City, IA

The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!

Insurance Provider in Sioux CityQuotes 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.
Progressive$27 /mo
State Farm$43 /mo
Allstate$44 /mo
Nationwide$94 /mo
The General$148 /mo

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 company reviews. The following are the top rated companies that offer car insurance in Sioux City. For the complete list, see Insurify's best car insurance companies .

Best CompaniesScoreQuotes 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.
Liberty Mutual82$208 /mo

See More: Best Car Insurance Companies

Average Car Insurance Cost

Iowa Cities
Des Moines$70/mo
Cedar Rapids$64/mo
Davenport$92/mo
Iowa City$178/mo
Sioux City$85/mo
Iowa$98/mo
Cedar Rapids
$64
Des Moines
$70
Sioux City
$85
Davenport
$92
Average for IA
$98
Iowa City
$178

Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Iowa

All motor vehicles operated or parked on Iowa roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement

  • Renewing vehicle registration

  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in Iowa[1] are:

  • $20,000 per person for bodily injury

  • $40,000 per accident for bodily injury

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. Iowa is an at-fault state, meaning the driver who is responsible for the collision is also responsible for paying for any resulting expenses, either through their car insurance provider or out of pocket.

  • $15,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

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.

Driver's AgeAvg. Monthly Cost 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.
teens$310
20s$177
30s$209
40s$133
50s$133
60s$145
70s$98
80sN/A

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.

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

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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.

Credit TierAvg. Monthly Cost 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.
Excellent$204
Good$193
Average$163
Poor$165

See More: Bad Credit Car Insurance Iowa

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
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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.

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.

FAQs - Sioux City, IA Car Insurance

  • 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.

  • 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.

  • 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 Insights

How Sioux City Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Sioux City, Iowa below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Sioux City drivers measure up to their fellow motorists across Iowa in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

chevrolet

Chevrolet Impala

Most Popular Car in Sioux City

#4

City with the Most Speeding Tickets Rank in Iowa

#5

City with the Most Moving Violations Rank in Iowa

#5

City with the Most DUIs Rank in Iowa

#9

City with the Most Suspended Licenses in Iowa

  • 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 8 in the number of car accidents per driver across all cities in Iowa.

    • Rank within state: #8
    • Percent of drivers in Sioux City with an accident: 10.9%
  • While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Sioux City drivers rank 5 in the number of DUI’s per driver across all cities in Iowa.

    • Rank within state: #5
    • Percent of drivers in Sioux City with a DUI: 3.3%
  • 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 3 in the number of reckless driving offenses per driver.

    • Rank within state: #3
    • Percent of drivers in Sioux City with a reckless driving offense: 3.3%
  • 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 3 in rude driving infractions.

    • Rank within state: #3
    • Percent of drivers in Sioux City with a reckless driving violation: 3.6%
  • 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 4 in the number of speeding infractions per driver.

    • Rank within state: #4
    • Percent of drivers in Sioux City with a speeding ticket: 16.3%
  • Having a squeaky-clean driving record is an accomplishment to be proud of. Some cities have safer drivers than others; Sioux City drivers rank 22 in clean driving records across all cities in Iowa.

    • Rank within state: #22
    • Percent of drivers in Sioux City with clean record: 68.2%
  • As auto manufacturers increasingly turn towards producing greener car models, more and more motorists are embracing hybrids and EV’s. Sioux City drivers rank 23 in hybrid and electric vehicle ownership across all cities in Iowa.

    • Rank within state: #23
    • Percent of drivers in Sioux City with a hybrid/electric vehicle: 0.13%
Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

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  • Data scientists at Insurify analyzed over 40 million auto insurance rates across the United States to compile the car insurance quotes, statistics, and data visualizations displayed on this page. The car insurance data includes coverage analysis and details on drivers' vehicles, driving records, and demographic information. With these insights, Insurify is able to offer drivers insight into how their car insurance premiums are priced by companies.

Tanveen Vohra
Tanveen Vohra
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Editorial Manager

Tanveen Vohra is an editorial manager at Insurify specializing in writing about property and casualty insurance. Through her work, Tanveen helps consumers better understand the components of their insurance policies so they can make smarter purchase decisions.

Tanveen's work has been cited by CNBC, Fox Business, Business Insider, Fortune, and Market Watch, among others.

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Sources

  1. Iowa Insurance Division. "State Minimum Car Insurance Requirements." Accessed May 28, 2022