Sioux City, IA Auto Insurance | Cheap Car Insurance in Sioux City, IA

Sioux City, IA auto insurance has more relaxed coverage requirements than other states. Drivers searching for cheap car insurance in Sioux City, IA can pay $25/month with American Family. Some of the best Sioux City, IA car insurance companies are: State Farm, American Family, Grinnell, Farmers, and Allstate.

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent Rachael Brennan

UPDATED: Nov 17, 2020

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Iowa auto insurance does not have as many coverage requirements for drivers like some other states. Liability insurance pays if the driver is at fault for the accident. It may be advisable to get more than the minimum in the event the car is stolen, or someone else causes the accident. Drivers looking for cheap car insurance in Sioux City, IA have several choices. The best Sioux City, IA car insurance companies providing affordable premiums are State Farm, American Family, Grinnell, Farmers, and Allstate. American Family leads the pack at $25/month for Sioux City, IA auto insurance.

Sioux City is located on the Missouri River in the western part of the state of Iowa. Sioux City is famous for being one of the locations documented during the Lewis and Clark Expedition during the early 1800’s. The city is also a popular spot for riverboat casinos and other forms of historical tourism.

Fun fact: Did you know that Sioux City is #1 on the list of “Top 101 cities with largest percentage of males working in industry: Food (population 50,000+)”?

Do you need cheap auto insurance in Sioux City, IA? At, you can get the best car insurance in Sioux City, IA. To get free car insurance quotes from the best providers today, provide your ZIP code into the quote box on this page.

Auto Insurance Coverage Requirements in Iowa

Driving legally in Sioux City requires:

Coverage Requirements Most Common
Bodily Injury Liability 20,000/40,000 100,000/300,000
Property Damage Liability Not required 100,000/300,000
Uninsured Motorist Bodily Injury Not required 100,000/300,000
Medical Payments Not required 5,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

Iowa has some of the most lax insurance coverage requirements around. While this means that insurance will likely be cheaper, it also means that you will be burdened with a larger financial liability if you don’t have sufficient coverage.

The typical Iowa driver pays about $88 per month for their automobile insurance. However, based on our analysis, Sioux City drivers can get insured for as little as $27/mo*, if you know how to shop. Keep reading, and we’ll tell you all about the biggest discounts you can get on your policy.

Enter your ZIP code below to compare auto insurance rates.

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Cheap Full Coverage Car Insurance in Sioux City, Iowa

Average Monthly Auto Insurance PremiumsLegend: Sioux City State Farm American Family Grinnell Farmers Allstate 51015202530$27$25$26$26$33

There are several car insurance places in Sioux City, IA that offer competitive rates, such as Progressive [auto] Insurance Sioux City, Iowa, State Farm [auto] Insurance Sioux City, Iowa and more. Farmers, American Family, and Grinnell are currently offering the lowest rates in the Sioux City area. But are low rates the only metric to base your decision on? What about their customer service reviews? Or their claims filing process? Just remember that there are many factors to consider before you make a final decision.

Auto insurance providers contemplate various elements when assessing Sioux City, IA auto insurance quotes, including gender, where you live, credit score/rating, driving distance to work, and theft protection devices. In addition, premiums vary from company to company. To find out whether you’re still being charged the most favorable Sioux City, IA auto insurance rates, compare cheap Iowa auto insurance quotes online.

Major Factors in Cheap Car Insurance in Sioux City, Iowa

There are several ways your car insurance rate can be determined. But not all of it is out of your control; there are things you can do in order to influence which discounts you are eligible to get. The following are a few of these factors in greater detail:

Your ZIP Code

The cheapest car insurance is usually found in cities with a lower population density. Because there are fewer automobiles on the road, there are fewer opportunities for you to get into a major car accident with another driver. The population of Sioux City is 82,459 and the median household income is $44,073.

Auto Insurance by ZIP CodeLegend: Des Moines Cedar Rapids Davenport Iowa City Sioux City State Farm American Family Grinnell Farmers Allstate 51015202530$25$21$26$19$27$27$21$26$19$25$27$21$21$19$26$28$23$28$23$26$32$30$32$29$33

Automotive Accidents

Although the population has dropped in recent years, accident statistics are climbing. Take a look at the chart above. There were 11 fatalities associated with accidents in Sioux City for the year 2013. High rates of accidents in your ZIP code might mean that you will have to pay more each month for your automotive insurance.

Fatal Accidents in Sioux City, IALegend: Sioux City Fatal accident countVehicles involved in fatal crashesFatal crashes involving drunk personsFatalitiesPersons involved in fatal crashesPedestrians involved in fatal accidents 2468101214161820813211214

Auto Thefts in Sioux City

Even in small cities or rural towns, auto theft can still be a problem. In order to make it less of a problem for you, think about installing a passive anti-theft system on your car. Your car insurance company in Sioux City, Iowa may reward you with lower rates! In Sioux City, there were 201 auto thefts in 2013. This means that thefts are on the rise. But you can protect yourself by adding Comprehensive coverage to your policy.

Basic vs. Comprehensive Auto PolicyLegend: Basic Coverage Comprehensive Coverage State Farm American Family Grinnell Farmers Allstate 102030405060708090100110120130140150$27$70$25$86$26$157$26$71$33$119

Your Credit Score

For most insurance companies, especially the large national ones, having a low credit score means you can expect to pay 50-70% higher premiums each month. However, some local auto insurance companies in Sioux City, IA may offer coverage for an affordable price, regardless of credit score.

Auto Insurance by Credit ScoreLegend: Excellent Credit Poor Credit State Farm American Family Grinnell Farmers Allstate 5101520253035404550$22$52$24$40$25$29$23$41$29$37

Your Age

Statistics show that the younger you are, the more dangerous you are behind the wheel. To offset the risk of a possible accident, most teenage drivers are expected to pay much higher rates than their older adult counterparts. However, young motorists can save money with Good Student or Drivers Ed discounts.

Auto Policy Age ComparisonLegend: 34 Year Old 17 Year Old State Farm American Family Grinnell Farmers Allstate 153045607590105120135150$27$87$25$104$26Do Not Sell$26$157$33$97

Your Driving Record

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.

Driving ViolationsLegend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Farm American Family Grinnell Farmers Allstate 5101520253035404550$27$30$30$33$25$32$47$54$26$26Do Not Sell$26$26$36$41$39$33$36$42$39

Your Vehicle

Expensive luxury vehicles aren’t just more expensive to insure because they cost more to replace. Odds are that you’re going to want to protect an expensive car with additional insurance coverage. And the more coverage you buy, the more you will have to pay in premiums.

Car Insurance by Make/ModelLegend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Farm American Family Grinnell Farmers Allstate 153045607590105120135150165$27$101$25$126$26$171$26$99$33$173

Minor Factors in Cheap Auto Insurance in Sioux City, Iowa

The factors below may also have an influence in your monthly premium, although they might be a little harder to control:

Your Marital Status

Many automobile insurance providers are naturally gravitating away from charging wildly different rates for male and female drivers. Many providers don’t charge different rates at all based on gender alone. Those who do charge no more than a 1-2% difference – and whether that difference punishes males or females depends wholly on the insurance provider.

Your Gender

Insurance company data shows that there really isn’t a big difference in risk from one gender to another. Most major providers don’t even charge different rates based on gender anymore. However, the few companies that still do only charge about a 2-3% difference. And whether or not that difference punishes males or females largely depends on the company providing the policy.

Your Driving Distance to Work

The typical work commute can last between 11-22 minutes for most Sioux City drivers. And while approximately 4-13% of workers choose to carpool to and from work, another 75% usually drive their car in by themselves.

Feel free to drive as many miles as you want per year, and for whatever reason – driving more miles, or only commuting for pleasure won’t make a huge dent in your monthly premium. However, business vehicles generally have about 10% higher insurance rates, so be wary of that fact.

Your Coverage and Deductibles

If you add additional coverage options to your policy, you can lower your monthly payments by raising your deductible. Keep in mind, though, that if you ever have to file a claim, you should have the cash on hand to be able to pay that deductible.

Education in Sioux City, IA

Recently, statistical data has shown that the more educated a driver is, the more likely they are to receive a lower rate on their auto insurance. This is true, no matter what job title you have or how much you make yearly. In Sioux City, most drivers have a high school diploma or some equivalent thereof. A slightly smaller number have not yet finished their high school education.

Sioux City contains nearly half a dozen different institutions for higher education. Briar Cliff University and Morningside College are both private schools which are affiliated with various religious organizations. Western Iowa Tech is a large community college with five different campuses, with its main campus located in Sioux City.

Finding affordable Sioux City, IA auto insurance can be a hassle. There’s a lot of information you need to consider and, figuring out how Sioux City, IA auto insurance companies evaluate your potential risk can be complicated. But don’t let the wrong insurance company talk you into purchasing the wrong policy.

Enter your ZIP code below to compare auto insurance rates.

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How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


Iowa Department of Insurance

Iowa Licensing Agency

Department of Highway Safety and Motor Vehicles

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