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Cheap Auto Insurance Quotes in South Sioux City, NE (August 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

With a flat midwestern environment and plenty of highways, South Sioux City is a driver’s paradise. And as a South Sioux City driver, you’ll want to make sure you’re hitting the open road with the peace of mind that comes from having a great car insurance policy.

As Nebraska’s 14th-largest city, South Sioux City isn’t served by major public transportation. Almost all residents get around with the help of a car, which means opting for good car insurance is key as a South Sioux City resident.

Car Insurance in South Sioux City, NE

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

Quick Facts

  • The average cost of car insurance in South Sioux City is $135 per month, or $1620 annually.
  • Car insurance in South Sioux City is $20 less than the average cost of car insurance in Nebraska.
  • The cheapest car insurance provider in South Sioux City on average is Progressive, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$34
State Farm
$51
Nationwide
$98
Travelers
$101
American Family
$166

Cheapest Car Insurance in South Sioux City, NE

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 South Sioux CityQuotes
Progressive$34 /mo
State Farm$51 /mo
Nationwide$98 /mo
Travelers$101 /mo
American Family$166 /mo

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Average Car Insurance Cost

Nebraska Cities
Omaha$133/mo
Lincoln$92/mo
Bellevue$124/mo
Grand Island$102/mo
South Sioux City$119/mo
Nebraska$114/mo
Lincoln
$92
Grand Island
$102
Average for NE
$114
South Sioux City
$119
Bellevue
$124
Omaha
$133
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in Nebraska

All motor vehicles operated or parked on Nebraska 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 Nebraska[1] are:

  • $25,000 per person for bodily injury
  • $50,000 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. Nebraska 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.

  • $25,000 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.

  • $25,000 per person for uninsured/underinsured motorists
  • $50,000 per accident for uninsured/underinsured motorists

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. While this level of coverage is required in Nebraska, drivers can increase their minimums by writing to their provider.

South Sioux City Car Insurance Rates by Driver Age

As average car insurance rates in the Cornhusker State demonstrate, rates tend to fall as you get up in years. Why? Older drivers are more experienced. Therefore, they are less likely to make as many insurance claims as younger drivers do. In contrast, the risk level assigned to young drivers in their 20s and teens is very high. Insurance premiums for teen drivers in South Sioux City average out to $295, while those in their 20s pay $137.

Driver's AgeAvg. Monthly Cost
teens$296
20s$138
30s$96
40s$73
50s$73
60s$91
70s$78
80sN/A

South Sioux City Car Insurance Rates by Driving and Accident History

Want the lowest insurance rates in South Sioux City? Do your best to keep your driving record clean. While causing an accident will raise your rates from $78 (for no offenses) to $104, reckless driving can be incredibly detrimental to insurance costs. On average, people with a history of speeding violations pay $295 for their premiums—that’s over 300 percent more for a single driving mistake! Remember: insurance companies review your driving history both when they establish your policy and when it comes time to renew.

Driving HistoryAvg. Monthly Cost
No Violation$79
Speeding Ticket$296
At-Fault Accident$104
Failure to Stop for Red Light / Stop SignN/A

South Sioux City Car Insurance Rates by Credit Tier

Who knew that paying your bills on time could help keep car insurance premiums low? Insurance companies turn to credit-based insurance scores to determine the likelihood (or risk) of a driver making an insurance claim. Studies show that people with higher credit are less likely to have accidents and make claims against their insurance. These drivers enjoy better rates than drivers with lower credit scores. If you aren’t already actively managing your credit score, now is a good time to start. Motorists in South Sioux City with excellent credit can expect to pay an average of $69 in car insurance premiums per month.

Credit TierAvg. Monthly Cost
Excellent$70
Good$82
Average$136
Poor$150

Find local South Sioux City agents

  • Securus Insurance Group 

    100 W 29th St #219,
    South Sioux City, NE 68776
  • F&M Insurance Associates 

    2024 Dakota Ave,
    South Sioux City, NE 68776-2740
  • Myrah Favors - State Farm Insurance Agent

    601 W 29th St Suite B,
    South Sioux City, NE 68776
  • Tom Yaneff - State Farm Insurance Agent

    1000 W 29th St #208,
    South Sioux City, NE 68776
  • Joe Morten & Son Inc.

    1309 W 29th St,
    South Sioux City, NE 68776
  • Diversified Insurance

    2700 Dakota Ave,
    South Sioux City, NE 68776
  • Tobar Agency Inc American Family Insurance

    125 E 19th St,
    South Sioux City, NE 68776
  • Securus Insurance Group, Inc.

    1000 W 29th St Suite 216,
    South Sioux City, NE 68776
  • Northeast Nebraska Insurance Agency

    2021 Dakota Ave,
    South Sioux City, NE 68776
  • Farm Bureau Financial Services

    1901 Cornhusker Dr # 150,
    South Sioux City, NE 68776
View more

South Sioux City, NE DMV Information

While South Sioux City doesn’t have a DMV outpost, residents can access a DMV office just a few miles away in Dakota City, Nebraska. It offers the full range of DMV services, from license renewals to vehicle title services.

Public Transportation in South Sioux City, NE

The Sioux City Transit System offers local bus service around South Sioux City, making it easy for residents of Sioux City, South Sioux City, and North Sioux City to get around Monday to Friday from 6 a.m. to 6 p.m. and Saturdays from 6 a.m. to 7 p.m.

How to get the best and cheapest car insurance in South Sioux City, NE

South Sioux City is, geographically, one of the flattest towns in its region, which means you won’t find too many surprises on its roads. But accidents still happen, which means drivers should be prepared for anything. With Insurify on your side, you can find car insurance that prepares you for all the twists and turns at a price that fits your budget.

FAQs - South Sioux City, NE Car Insurance

  • State Farm has two offices in South Sioux City, along with a variety of regional sellers. When it comes to car insurance, South Sioux City residents have options.
  • In Nebraska, a low credit score can lead to higher car insurance rates. If you’re shopping for car insurance and have a low credit score, seek out providers that traditionally don’t increase rates too much for drivers with low credit scores.
  • Car insurance prices vary by state, driver history, and a host of other factors. To help you find the right policy at the right price, use Insurify to easily compare 10+ free quotes from a wide range of companies.

Compare Car Insurance Quotes Instantly

  • Personalized quotes in 5 minutes or less
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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.

Olivia Oksenhorn
Olivia Oksenhorn
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Insurance Writer

Olivia Oksenhorn is an insurance writer at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. Nebraska Unicameral Legislature. "State Minimum Car Insurance Requirements." Accessed May 28, 2022