Written byJanet Berry-Johnson
8+ years writing about insurance, taxes, and personal finance
Certified public accountant
Janet applies her experience in personal finance, taxes, and accounting to make complex financial topics accessible. Her byline has appeared on numerous web media.
Read Editorial Guidelines
View Full Bio
Featured in
Edited byKatie Powers
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Read Editorial Guidelines
View Full Bio
Featured in
Updated October 10, 2024
Why you can trust Insurify: Comparing accurate insurance quotes should never put you at risk of spam. We earn an agent commission only if you buy a policy based on our quotes. Our editorial team follows a rigorous set of editorial standards and operates independently from our insurance partners. Learn more.
Advertiser Disclosure
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
Table of contents
- Cheapest companies
- Get cheap insurance
- Liability only
- Full coverage
- Iowa requirements
- Rates by history
- Rates by age
- Rates by credit
- FAQs
Table of contents
- Cheapest companies
- Get cheap insurance
- Liability only
- Full coverage
- Iowa requirements
- Rates by history
- Rates by age
- Rates by credit
- FAQs
In Sioux City, Iowa, the average monthly cost of car insurance is $115, which is cheaper than the national average of $158 but a bit more expensive than the state average of $99.
Sioux City has a relatively low population density compared to larger metropolitan areas, which may explain why residents benefit from cheaper rates than the national average. Drivers in less populated areas often pay lower car insurance rates due to a lower risk of car accidents.
Here’s what you need to know about comparing quotes and finding cheap car insurance in Sioux City.
Quick Facts
Auto-Owners, USAA, and GEICO have the cheapest liability insurance rates in Sioux City.
Sioux City drivers pay $58 per month for liability insurance and $139 for full-coverage insurance, on average.
Iowa state law allows car insurance companies to consider your credit-based insurance scores when setting your rates.
3 of the cheapest car insurance companies in Sioux City
The best car insurance policy and company varies by driver because your rates and coverage needs will depend on your budget, driving profile, and more. When comparing companies, you should consider cost, coverage offerings, discount availability, customer satisfaction, and more.
It’s important to get personalized quotes to find the cheapest car insurance for you, but you can start your search below with three of the cheapest car insurance companies in Sioux City. The average rates reflect statewide insurance costs.
Insurance Company ▲▼ | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. ▲▼ | Full Coverage ▲▼ | Liability Only ▲▼ | Best for ▲▼ |
---|---|---|---|---|
Auto-Owners | 8.5 | $46 | $21 | Cheap rates |
USAA | 9.4 | $49 | $23 | Military families |
GEICO | 9.0 | $53 | $25 | Senior drivers |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 28,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for cheap rates: Auto-Owners
Compare personalized, real-time quotes
User Reviews | 3.8 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 8.5/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $24/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $50/mo |
Auto-Owners has some of the cheapest insurance rates for Sioux City drivers, and customers can save even more by qualifying for one or more discounts from the company. In addition to insuring traditional cars, the company sells coverage for trucks, motorcycles, RVs, and classic cars.
Pros
Offers other insurance products, including home, life, and business insurance
Loan and lease gap insurance available
Cons
Quotes not available online
No 24/7 claims service
Read more driver reviews of Auto-Owners
Mary
- September 30, 2024
Verified
Premium Too High
I had them for only 6 months. I went from paying $162 to $638. I added a new car and a new driver. I understood there would be an increase, but not such a big one.
Charles
- September 28, 2024
Verified
Auto Owners Insurance
This is a good company. However, their rates have become too expensive.
Eddie
- September 23, 2024
Verified
Agency is Great
They're great, except the rates have skyrocketed lately.
…
Best insurer for military families: USAA
Compare personalized, real-time quotes
User Reviews | 3.7 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.4/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $25/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $53/mo |
USAA offers a variety of insurance policies, as well as banking and investment products, for people with a military connection. If you’re eligible to join, the company offers affordable coverage options and a number of discounts. USAA customers can also earn usage-based discounts for driving infrequently and practicing safe driving habits.
Pros
Highly rated mobile app
Safe drivers can save with SafePilot program
Cons
Only available to military members, veterans, and eligible family members
Doesn’t insure motorcycles, ATVs, RVs, boats, or personal watercraft
Read more driver reviews of USAA
Herbert
- October 10, 2024
Verified
USAA's Rising Rates
I wouldn't recommend purchasing USAA. They continue to increase rates for your car as it ages, even if you have no tickets or claims. It feels like a rip-off.
Steven
- October 8, 2024
Verified
High Cost
I am paying over $500 a month for car insurance, which is more than my monthly car payment.
Janice
- October 7, 2024
Verified
USAA Rating
Excellent - they were quick when I had an accident and were very kind and polite.
…
Best insurer for senior drivers: GEICO
Compare personalized, real-time quotes
User Reviews | 3.1 |
---|---|
IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 9.0/10 |
Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $27/mo |
Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $59/mo |
GEICO offers some of the lowest rates in Sioux City, so it’s great for budget-minded drivers and people on a fixed income, like retirees. Senior drivers have a number of discount opportunities with GEICO, including defensive driving, accident-free, and multi-car discounts. Some drivers may even qualify for a retired government and military discount.
Pros
Can purchase policies online
Highly rated mobile app
Cons
Gap insurance not available
Below-average customer satisfaction ranking in J.D. Power 2023 U.S. Auto Insurance Study
Read more driver reviews of GEICO
Barbara
- October 10, 2024
Verified
Great company with high price!
I have been with Geico for many years and have never been offered a discount on the cost. I am paying too much and can no longer afford it, despite their excellent service. I hope another company can offer similar service without the huge price tag!
Josephine
- October 10, 2024
Verified
Expensive
The premium is excessive.
Kurt
- October 10, 2024
Verified
Too expensive
Way too expensive.
…
How to get the cheapest car insurance in Sioux City
Insurance companies consider several different elements to gauge the risk you pose as a driver and how much you should pay, including your driving record, age, ZIP code, the type of vehicle you drive, and more.
Here are some practical tips to help you find affordable car insurance in Sioux City:
Shop around and compare quotes. Don’t settle for the first quote you receive. Different companies weigh factors differently, so shopping around can lead to significant savings.
Bundle your policies. Bundling your home insurance, renters insurance policy, or life insurance policy with your auto insurance can unlock discounts.
Increase your deductible. Opting for a higher deductible — the amount you pay toward a claim before your insurance kicks in — can lower your premium.
Maintain a clean driving record. Safe driving protects you and others on the road and can also lead to lower insurance costs.
Ask about discounts. Insurance companies offer various discounts, including savings for bundling insurance coverage, completing a defensive driving course, and installing safety equipment in your vehicle. Ask your insurance agents about any potential discounts you might qualify for.
Find Cheap Car Insurance in Sioux City, Iowa
Liability quotes start at $24 per month
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Cheapest liability-only car insurance in Sioux City: Auto-Owners
Liability-only car insurance covers the costs associated with damage and injuries you cause to others in a car accident. It doesn’t cover repairs to your own vehicle or medical costs for your injuries.
The average cost of liability-only car insurance in Sioux City is $65 per month.
Here are the cheapest options for liability-only insurance in Sioux City.
The below rates are estimated rates current as of:
Sunday, September 1 at 12:00 PM PDT
.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $24 |
USAA | $25 |
GEICO | $27 |
American Family | $29 |
Allstate | $30 |
Farmers | $35 |
Safeco | $42 |
Nationwide | $47 |
Travelers | $47 |
Dairyland | $55 |
National General | $55 |
Progressive | $55 |
Bristol West | $62 |
Direct Auto | $67 |
Liberty Mutual | $73 |
Root | $80 |
The General | $98 |
Foremost | $103 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Sioux City: Auto-Owners
Full-coverage car insurance includes liability, collision, and comprehensive coverage. This policy provides protection for damage to your own vehicle resulting from a collision, theft, vandalism, or weather events. This is particularly beneficial for drivers with newer or more valuable vehicles. If you have an auto loan, your lender may require you to purchase this policy.
Full-coverage car insurance in Sioux City costs $165 per month.
The following table highlights the companies offering the lowest rates in Sioux City.
The below rates are estimated rates current as of:
Sunday, September 1 at 12:00 PM PDT
.
Insurance Company ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Auto-Owners | $50 |
USAA | $53 |
GEICO | $59 |
American Family | $62 |
Allstate | $66 |
Farmers | $75 |
Safeco | $90 |
Nationwide | $101 |
Travelers | $101 |
Midvale Home & Auto | $102 |
National General | $107 |
Progressive | $119 |
Root | $131 |
Direct Auto | $132 |
Dairyland | $169 |
Bristol West | $210 |
Liberty Mutual | $215 |
The General | $226 |
Foremost | $227 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest recent rates near Sioux City, Iowa
Recent Sioux City, Iowa car insurance prices for Dodge, Chrysler, Nissan , and more.
*Quotes generated for Insurify users in and around Sioux City, Iowa within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Sioux City, Iowa within the last 10 days. Last updated on October 10, 2024
Rates shown are real-time Insurify user quotes from 100+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from October 10, 2024. Actual quotes may vary based on the policy buyer’s unique driver profile.
Car insurance requirements in Iowa
Iowa state law requires drivers to carry a minimum amount of liability insurance to cover the cost of damages or injuries they cause to others in an accident. Iowa is an at-fault state, which means you need to cover the other driver’s medical bills and repair costs if you cause an accident.
Here are the minimum-coverage requirements for Iowa drivers:[1]
Coverage ▲▼ | Minimum Requirements ▲▼ |
---|---|
Bodily injury liability | $20,000 per person / $40,000 per accident |
Property damage liability | $15,000 per accident |
Because liability insurance doesn’t cover your vehicle, you may want to purchase insurance optional coverage options. Here are common additional coverages to consider:
Collision coverage
Collision insurance covers damage to your vehicle resulting from a collision, regardless of fault.
Comprehensive coverage
If a non-collision incident — such as theft, vandalism, or hail — damages your vehicle, comprehensive insurance can cover your vehicle.
Medical payments coverage
Medical payments coverage can pay for medical bills for you and your passengers in the event of an accident, regardless of fault.[2]
Rental reimbursement coverage
Following a covered accident, rental reimbursement coverage can pay for the cost of a rental car while your vehicle needs repairs.
Roadside assistance coverage
Roadside assistance coverage typically includes services like towing, flat-tire changes, and jump-starts if you need assistance on the road.
Cheapest car insurance for drivers with an incident
An incident refers to events that can tarnish your driving record, such as at-fault accidents, speeding tickets, driving under the influence (DUI), and other moving violations.[3]
Incidents on your record can lead to increased insurance rates because insurance companies use your driving history as a key factor in setting your premiums. The average cost of liability auto insurance for Sioux City drivers with a past incident is $115 per month.
Here’s a look at how average rates can vary for drivers with different types of incidents from a few top insurance companies.
The below rates are estimated rates current as of:
Sunday, September 1 at 12:00 PM PDT
.
Insurance Company ▲▼ | Clean Driving Record ▲▼ | With Speeding Ticket ▲▼ | With At-Fault Accident ▲▼ | With DUI ▲▼ |
---|---|---|---|---|
Auto-Owners | $24 | $33 | $35 | $42 |
USAA | $25 | $34 | $36 | $43 |
GEICO | $27 | $37 | $39 | $47 |
American Family | $29 | $40 | $42 | $50 |
Allstate | $30 | $41 | $43 | $52 |
Farmers | $35 | $48 | $50 | $61 |
Safeco | $42 | $58 | $59 | $73 |
Nationwide | $47 | $65 | $68 | $82 |
Travelers | $47 | $65 | $68 | $82 |
Dairyland | $55 | $75 | $79 | $96 |
National General | $55 | $76 | $80 | $96 |
Progressive | $55 | $75 | $80 | $96 |
Bristol West | $62 | $85 | $89 | $108 |
Direct Auto | $67 | $91 | $99 | $116 |
Liberty Mutual | $73 | $108 | $112 | $127 |
Root | $80 | $116 | $123 | $139 |
The General | $98 | $135 | $144 | $170 |
Foremost | $103 | $152 | $158 | $179 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Shop Around for Car Insurance
Check quotes from 100+ top insurance companies
Secure. Free. Easy-to-use.
Based on 3,806+ reviews
4.8/5
Average cost of car insurance by age
Your age plays a big role in your insurance rates. Teen drivers pay the highest rates among all age groups due to a lack of driving experience and a higher likelihood of having an at-fault accident.
Rates typically decrease with age for drivers between 35 and 70. But rates tend to increase again for senior drivers 70 and older due to a higher risk of health issues and slower reaction times associated with aging, which can affect driving ability.
The table below shows the average monthly insurance rates for Sioux City drivers by age.
Age ▲▼ | Average Monthly Quote ▲▼ |
---|---|
Teens | $315 |
20s | $236 |
30s | $172 |
40s | $154 |
50s | $128 |
60s | $115 |
70s | $117 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Sioux City car insurance quotes by credit tier
Iowa state law allows car insurance companies to consider credit-based credit scores when calculating car insurance premiums.[4] Statistics indicate that people with poor credit scores tend to file more claims and more expensive claims than drivers with good credit. Maintaining a good or excellent credit score can help you qualify for lower rates.
Here are the average full-coverage insurance rates for Sioux City drivers by credit tier.
Rates by Credit Tier
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Sioux City car insurance FAQs
Before comparing insurance quotes, you should determine how much car insurance you need. The following information should help you navigate the process of finding cheap car insurance in Sioux City.
How much is car insurance in Sioux City?
The overall cost of car insurance in Sioux City is $115 per month. Drivers in the city pay $65 per month for liability insurance and $165 for full-coverage insurance, on average.
How much you pay for coverage will depend on your driving record, age, ZIP code, and more.
Which companies have the cheapest car insurance in Sioux City?
The cost of liability insurance from Auto-Owners is $24 per month, making it the cheapest car insurance company in Sioux City. USAA and GEICO also have cheap liability insurance, with respective rates of $25 and $27 per month.
The best way to find cheap car insurance is to compare quotes from multiple insurers at once.
What are the best car insurance companies in Sioux City?
With an AM Best financial strength rating of A++ (Superior), an Insurify Quality (IQ) Score of 9.0 out of 5, and ample available discounts, GEICO is the best car insurance company in Sioux City. Iowa drivers with coverage from GEICO pay $25 per month for liability insurance and $53 for full-coverage insurance.
Other top insurers include USAA and Auto-Owners.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 50+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
Related articles
- Car Insurance Calculator: Estimate Your Monthly Costs
- Top 10 Cheapest Car Insurance Companies
- 7 Best Car Insurance Companies
- Average Cost of Car Insurance
- Best Cheap Full-Coverage Car Insurance
More cities in Iowa
- Car insurance in Cedar Rapids
- Car insurance in Davenport
- Car insurance in Des Moines
Popular cities
- Car insurance in Houston
- Car insurance in Los Angeles
- Car insurance in Dallas
- Car insurance in Long Island City
- Car insurance in San Antonio
Sources
- Iowa Insurance Division. "Auto Insurance."
- Insurance Information Institute. "What is covered by a basic auto insurance policy?."
- Insurance Information Institute. "What determines the price of an auto insurance policy?."
- The Iowa Legislature. "515.103 Use of credit information — personal insurance."
Janet Berry-Johnson
Janet Berry-Johnson, CPA is a freelance writer with a background in accounting and income tax planning and preparation. She's passionate about making complicated financial topics accessible to readers. She lives in Omaha, Nebraska with her husband and son and their rescue dog, Dexter. Visit her website at www.jberryjohnson.com.
Edited byKatie PowersAuto and Life Insurance Editor
Licensed auto and home insurance agent
3+ years experience in insurance and personal finance editing
Katie uses her knowledge and expertise as a licensed property and casualty agent in Massachusetts to help readers understand the complexities of insurance shopping.
Read Editorial Guidelines
View Full Bio
Featured in