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

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As we work together to slow the spread of COVID-19, state insurance commissions and insurance providers are constantly changing regulations and practices surrounding monthly payments, claim payouts, and more. To stay up to date with the latest on auto insurance reimbursements in your area, be sure to check with your state’s insurance commission and your current auto insurance provider.

If your driving habits have changed due to COVID-19, find a new, cheaper, ready-to-buy auto insurance policy on Insurify by comparing dozens of quotes at once.

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.

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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

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Sioux City, IA Driving Facts

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.

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

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

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.

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Sioux City stacks up for the state of Iowa:

ford
Ford Fusion
Most Popular Car in
Sioux City, IA
suspended licenses
#9
Cities with Most
Suspended Licenses Rank

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.