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

The average Sioux City, IA auto insurance rates are $275 per month. The minimum auto insurance in Sioux City is at least 20/40/15 in coverage to comply with Iowa auto insurance laws. To find the best cheap auto insurance in Sioux City, Iowa, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 15, 2021

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Things to Remember

  • The average commute length in Sioux City is 17.3 minutes
  • Average auto insurance rates in Sioux City, IA for senior drivers are $1,802 per year
  • The minimum auto insurance required in Sioux City, Iowa is 20/40/15

Sioux City, Iowa auto insurance requirements are 20/40/15 according to Iowa auto insurance laws. Finding cheap auto insurance in Sioux City can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Sioux City, Iowa, including driving record, credit, commute time, and more.

Compare auto insurance in Sioux City to other Iowa cities, including Ames auto insurance rates, Cedar Rapids auto insurance rates, and Des Moines auto insurance rates to see how Sioux City, Iowa auto insurance rates stack up.

Before you buy Sioux City, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Sioux City, Iowa auto insurance quotes.

Minimum Auto Insurance in Sioux City, Iowa

Sioux City, Iowa auto insurance laws require that you have at least the Iowa minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Sioux City, Iowa.

Minimum Required Auto Insurance Coverage in Sioux City, Iowa

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

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Cheap Sioux City, Iowa Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Sioux City, Iowa are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Sioux City, Iowa

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

Cheap Sioux City, Iowa Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Sioux City, Iowa is a challenge. Take a look at the annual teen auto insurance rates in Sioux City, Iowa.

Annual Auto Insurance Rates for Teen Drivers in Sioux City, Iowa

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

Cheap Sioux City, Iowa Auto Insurance for Seniors

What are senior auto insurance rates in Sioux City, Iowa? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Sioux City, Iowa

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

Cheap Sioux City, Iowa Auto Insurance By Driving Record

Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Sioux City, Iowa compared to the annual auto insurance rates with a clean record in Sioux City, Iowa.

Annual Sioux City, Iowa Auto Insurance Rates by Driving Record

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

Cheap Sioux City, Iowa Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Sioux City, Iowa is not easy. Compare the annual rates for DUI auto insurance in Sioux City, Iowa to find the best deal.

Annual Auto Insurance Rates After a DUI in Sioux City, Iowa

Insurance Company Annual Auto 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

Cheap Sioux City, Iowa Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Sioux City, Iowa annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Sioux City, Iowa

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

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Cheap Sioux City, Iowa Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Sioux City, Iowa can vary. Compare the annual cost of auto insurance by ZIP code in Sioux City, Iowa to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Sioux City, Iowa

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

Cheap Sioux City, Iowa Auto Insurance Rates By Commute

Commute length and annual mileage affect Sioux City, Iowa auto insurance. Find the cheapest annual Sioux City, Iowa auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Sioux City, Iowa

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 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

Cheap Sioux City, Iowa Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Sioux City, Iowa? Check out the comparison of annual Sioux City, Iowa auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Sioux City, Iowa

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

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Best By Category: Cheapest Auto Insurance in Sioux City, Iowa

Compare the cheapest auto insurance companies in Sioux City, Iowa in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Sioux City, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

The Cheapest Sioux City, Iowa Auto Insurance Companies

What auto insurance companies in Sioux City, Iowa are the cheapest? Compare the top Sioux City, Iowa auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Sioux City, Iowa

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

What affects auto insurance rates in Sioux City, Iowa?

There are a lot of reasons why auto insurance rates in Sioux City, Iowa are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Sioux City, Iowa. Many local factors may affect your Sioux City auto insurance rates.

Sioux City Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Sioux City, Iowa commute length is 17.3 minutes according to City-Data.

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Compare Sioux City, Iowa Auto Insurance Quotes

Before you buy Sioux City, Iowa auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Sioux City, Iowa auto insurance quotes.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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