Best Sioux City, IA Car Insurance in 2024
Car insurance in Sioux City, IA averages $275 a month. Sioux City, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Sioux City car insurance rates, compare quotes from the top car insurance companies in Sioux City, IA.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
UPDATED: Oct 24, 2024
It’s all about you. We want to help you make the right coverage choices.
Advertiser Disclosure: We strive to help you make confident car insurance decisions. Comparison shopping should be easy. We are not affiliated with any one car insurance company and cannot guarantee quotes from any single company.
Our partnerships don’t influence our content. Our opinions are our own. To compare quotes from top car companies please enter your ZIP code above to use the free quote tool. The more quotes you compare, the more chances to save.
On This Page
- The cheapest car insurance company in Sioux City for teen drivers is USAA
- The cheapest ZIP code in Sioux City is 51111
- The cheapest car insurance company in Sioux City is USAA
If you need to buy Sioux City, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Sioux City, IA is right here.
You’ll find Sioux City car insurance rates, the cheapest Sioux City, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Sioux City, Iowa car insurance rates to Ames car insurance rates, Cedar Rapids car insurance rates, and West Des Moines car insurance rates.
Ready to find affordable Sioux City, IA car insurance today? Enter your ZIP code for fast, free Sioux City car insurance quotes.
Cheapest Sioux City, IA Car Insurance Rates By Age, Gender, and Marital Status
How do age, gender, and marital status affect Sioux City, IA car insurance rates? Every Sioux City, Iowa car insurance company weighs these factors differently, so check out the comparison rates.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,160 | $2,073 | $1,920 | $1,954 | $6,294 | $7,089 | $2,351 | $2,417 |
| American Family | $1,922 | $1,922 | $1,727 | $1,727 | $5,275 | $7,318 | $1,922 | $2,303 |
| Farmers | $1,565 | $1,596 | $1,399 | $1,538 | $4,818 | $5,155 | $2,127 | $2,261 |
| Geico | $2,176 | $1,941 | $2,012 | $1,859 | $5,099 | $4,711 | $2,006 | $1,824 |
| Liberty Mutual | $2,299 | $2,493 | $2,033 | $2,478 | $11,530 | $12,982 | $2,607 | $2,866 |
| Nationwide | $1,973 | $2,017 | $1,761 | $1,871 | $4,719 | $6,072 | $2,254 | $2,444 |
| Progressive | $1,651 | $1,566 | $1,364 | $1,424 | $4,430 | $4,983 | $1,982 | $2,148 |
| State Farm | $1,613 | $1,613 | $1,445 | $1,445 | $4,785 | $6,024 | $1,823 | $2,095 |
| Travelers | $2,778 | $2,834 | $2,714 | $2,724 | $12,898 | $20,744 | $2,898 | $3,386 |
| USAA | $1,429 | $1,435 | $1,319 | $1,331 | $4,050 | $4,277 | $1,712 | $1,889 |
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Minimum Car Insurance in Sioux City, IA
Every driver must carry the minimum car insurance in Sioux City, IA. Take a look at the Iowa car insurance requirements.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $20,000 per person $40,000 per accident |
| Property Damage Liability Coverage | $15,000 minimum |
Cheapest Sioux City, IA Car Insurance Rates by Credit Score
Your credit affects car insurance costs in Sioux City, IA. Compare credit history car insurance rates in Sioux City from top companies for good, fair, and poor credit.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $3,929 | $3,118 | $2,800 |
| American Family | $3,842 | $2,820 | $2,382 |
| Farmers | $2,932 | $2,435 | $2,305 |
| Geico | $3,253 | $2,703 | $2,154 |
| Liberty Mutual | $6,988 | $4,336 | $3,409 |
| Nationwide | $3,499 | $2,757 | $2,410 |
| Progressive | $2,854 | $2,341 | $2,135 |
| State Farm | $3,712 | $2,295 | $1,809 |
| Travelers | $7,149 | $6,123 | $5,844 |
| USAA | $2,852 | $1,974 | $1,714 |
Cheapest Sioux City, IA Car Insurance Rates by Driving Record
Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sioux City, IA to rates for a clean record with top companies.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $2,787 | $3,381 | $3,843 | $3,118 |
| American Family | $2,178 | $3,187 | $4,137 | $2,557 |
| Farmers | $2,181 | $2,700 | $2,744 | $2,604 |
| Geico | $1,990 | $2,871 | $3,816 | $2,136 |
| Liberty Mutual | $4,235 | $5,258 | $5,347 | $4,805 |
| Nationwide | $2,097 | $3,004 | $4,085 | $2,369 |
| Progressive | $1,952 | $3,256 | $2,124 | $2,442 |
| State Farm | $2,384 | $2,826 | $2,605 | $2,605 |
| Travelers | $4,631 | $6,203 | $8,318 | $6,336 |
| USAA | $1,652 | $2,246 | $2,917 | $1,905 |
Cheapest Sioux City, IA Car Insurance for Teen Drivers
Teen car insurance in Sioux City, IA can be expensive. Take a look at rates from the top car insurance companies in Sioux City for teenagers.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $6,294 | $7,089 |
| American Family | $5,275 | $7,318 |
| Farmers | $4,818 | $5,155 |
| Geico | $5,099 | $4,711 |
| Liberty Mutual | $11,530 | $12,982 |
| Nationwide | $4,719 | $6,072 |
| Progressive | $4,430 | $4,983 |
| State Farm | $4,785 | $6,024 |
| Travelers | $12,898 | $20,744 |
| USAA | $4,050 | $4,277 |
Cheapest Sioux City, IA Car Insurance for Seniors
Take a look at Sioux City, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $1,920 | $1,954 |
| American Family | $1,727 | $1,727 |
| Farmers | $1,399 | $1,538 |
| Geico | $2,012 | $1,859 |
| Liberty Mutual | $2,033 | $2,478 |
| Nationwide | $1,761 | $1,871 |
| Progressive | $1,364 | $1,424 |
| State Farm | $1,445 | $1,445 |
| Travelers | $2,714 | $2,724 |
| USAA | $1,319 | $1,331 |
Cheapest Sioux City, IA Car Insurance Rates After a DUI
A DUI in Sioux City, IA increases car insurance rates. Compare Sioux City, Iowa DUI car insurance by company to find the cheapest option.
| Insurance Company | Annual Car Insurance Rates With a DUI |
|---|---|
| Allstate | $3,843 |
| American Family | $4,137 |
| Farmers | $2,744 |
| Geico | $3,816 |
| Liberty Mutual | $5,347 |
| Nationwide | $4,085 |
| Progressive | $2,124 |
| State Farm | $2,605 |
| Travelers | $8,318 |
| USAA | $2,917 |
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Cheapest Sioux City, IA Car Insurance Rates by Commute Length
How does how far you drive affect car insurance rates in Sioux City, IA by commute? Take a look at a comparison of the top companies by commute length.
| Insurance Company | 10 Mile Commute, 6,000 Annual Mileage | 25 Mile Commute, 12,000 Annual Mileage |
|---|---|---|
| Allstate | $3,204 | $3,361 |
| American Family | $2,979 | $3,050 |
| Farmers | $2,557 | $2,557 |
| Geico | $2,655 | $2,751 |
| Liberty Mutual | $4,911 | $4,911 |
| Nationwide | $2,889 | $2,889 |
| Progressive | $2,443 | $2,443 |
| State Farm | $2,541 | $2,669 |
| Travelers | $6,372 | $6,372 |
| USAA | $2,100 | $2,260 |
Cheapest Sioux City, IA Car Insurance Rates by ZIP Code
Sioux City car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Sioux City, IA.
| ZIP Code | Average Annual Rates |
|---|---|
| 51101 | $2,818 |
| 51103 | $2,837 |
| 51104 | $2,826 |
| 51105 | $2,835 |
| 51106 | $2,747 |
| 51108 | $2,792 |
| 51109 | $2,757 |
| 51111 | $2,689 |
The Best Cheap Car Insurance Companies in Sioux City, IA
Take a look at a side-by-side comparison of the top car insurance companies in Sioux City, IA to find the best option for your needs.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $3,282 |
| American Family | $3,015 |
| Farmers | $2,557 |
| Geico | $2,703 |
| Liberty Mutual | $4,911 |
| Nationwide | $2,889 |
| Progressive | $2,443 |
| State Farm | $2,605 |
| Travelers | $6,372 |
| USAA | $2,180 |
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Category Winners: Cheapest Car Insurance in Sioux City, Iowa
Find the cheapest car insurance companies in Sioux City, IA for each category right here.
| Category | Insurance Company |
|---|---|
| Teenagers | USAA |
| Seniors | USAA |
| Clean Record | USAA |
| With 1 Accident | USAA |
| With 1 DUI | Progressive |
| With 1 Speeding Violation | USAA |
Cheapest Sioux City, IA Car Insurance Rates by Coverage Level
How much coverage you choose will have an impact on your Sioux City car insurance rates. Find the cheapest Sioux City, IA car insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $3,145 | $3,287 | $3,416 |
| American Family | $2,995 | $3,185 | $2,865 |
| Farmers | $2,440 | $2,566 | $2,666 |
| Geico | $2,506 | $2,707 | $2,898 |
| Liberty Mutual | $4,698 | $4,901 | $5,133 |
| Nationwide | $2,983 | $2,888 | $2,795 |
| Progressive | $2,280 | $2,454 | $2,597 |
| State Farm | $2,449 | $2,625 | $2,742 |
| Travelers | $5,950 | $6,471 | $6,695 |
| USAA | $2,054 | $2,189 | $2,298 |
What affects car insurance rates in Sioux City, Iowa?
What factors can have an impact on Sioux City, IA car insurance? There are several reasons why Sioux City car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sioux City, Iowa.
Commute Time in Sioux City
The more time you spend in your car the higher the risk of an accident. The average commute length in Sioux City, IA is 17.3 minutes according to City-Data.
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Compare Car Insurance Quotes in Sioux City, IA
Ready to find affordable Sioux City, Iowa car insurance today? Enter your ZIP code for fast, free Sioux City, IA car insurance quotes.
Frequently Asked Questions
What factors affect car insurance rates in Sioux City, IA?
Several factors can influence car insurance rates in Sioux City, IA. These factors may include your driving history, age, gender, marital status, credit score, type of vehicle, coverage limits, deductible amount, and the level of insurance coverage you choose.
Are car insurance rates higher in Sioux City, IA compared to other areas?
Car insurance rates can vary from one location to another. While rates in Sioux City, IA may be influenced by factors specific to the area, such as population density and local crime rates, it’s essential to compare rates from multiple insurance providers to determine the best options available to you.
How can I find the best car insurance rates in Sioux City, IA?
To find the best car insurance rates in Sioux City, IA, consider the following steps:
- Shop around: Obtain quotes from multiple insurance providers to compare rates.
- Review coverage options: Ensure that you’re comparing similar coverage options and limits.
- Consider discounts: Inquire about available discounts, such as safe driver discounts or bundled policies.
- Assess customer service: Look for insurance companies with positive customer reviews and efficient claims processes.
- Evaluate financial stability: Check the financial strength rating of insurance providers to ensure they can meet their financial obligations.
What are the pros of car insurance in Sioux City, IA?
Some advantages of car insurance in Sioux City, IA, may include:
- Protection against financial loss: Car insurance can provide coverage for damages or injuries resulting from accidents.
- Peace of mind: Knowing you’re protected financially can give you peace of mind while driving.
- Compliance with state laws: Car insurance is mandatory in Iowa, so having coverage ensures legal compliance.
What are the cons of car insurance in Sioux City, IA?
Potential disadvantages of car insurance in Sioux City, IA, may include:
- Cost: Premiums can vary and may be costly depending on various factors, such as your driving history and coverage needs.
- Deductibles: In the event of a claim, you may need to pay a deductible before insurance coverage kicks in.
- Policy restrictions: Some policies may have restrictions or exclusions that limit coverage in specific situations. Read the policy terms carefully to understand the limitations.
Free Car Insurance Comparison
Enter your ZIP code below to view companies that have cheap car insurance rates.
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Justin Wright
Licensed Insurance Agent
Justin Wright has been a licensed insurance broker for over 9 years. After graduating from Southeastern Seminary with a Masters in Philosophy, Justin started his career as a professor, teaching Philosophy and Ethics. Later, Justin obtained both his Property & Casualty license and his Life and Health license and began working for State Farm and Allstate. In 2020, Justin began working as an i...
Licensed Insurance Agent
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.