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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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • The cheapest car insurance company in Sioux City after a DUI is Progressive
  • The cheapest car insurance company in Sioux City for teen drivers is USAA
  • Average car insurance rates in Sioux City, IA for senior drivers are $1,802/year

Average car insurance rates in Sioux City, Iowa are $275 a month. But with a little research you can get a great deal from the top car insurance companies in Sioux City, IA. Before you buy Sioux City, Iowa car insurance, make sure your coverage meets or exceeds the Iowa minimum of 20/40/15.

It may even be helpful to compare Sioux City car insurance rates with Cedar Rapids car insurance rates, Iowa City car insurance rates, or Ames car insurance rates to make sure you’re getting the best Sioux City, IA car insurance quotes available.

Need affordable Sioux City, IA car insurance? Enter your ZIP code to compare Sioux City car insurance quotes from multiple car insurance companies near you.

Sioux City, IA Minimum Car Insurance Coverage

Sioux City, Iowa law requires drivers carry a minimum of 20/40/15 coverage. Take a look at the breakdown of the minimums here.

Minimum Required Car 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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Sioux City, IA Car Insurance Rates by Coverage Level

Some Sioux City drivers can get by with the Iowa minimum coverage of 20/40/15. Other drivers may need more. See how much your Sioux City, Iowa car insurance rates may be based on the coverage you need.

Annual Car 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

Sioux City, IA Car Insurance Rates by Age, Gender, and Marital Status

Sioux City, Iowa car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Sioux City, IA car insurance, get quotes from multiple car insurance companies in the Sioux City area and see how these criteria affect your rates.

Annual Car 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

Sioux City, IA Car Insurance Rates for Teens

How much is Sioux City, Iowa car insurance for teens? Compare rates from top Sioux City car insurance companies below to help find the cheapest teen car insurance in Sioux City, IA.

Annual Car 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

Sioux City, IA Car Insurance Rates for Seniors

Before seniors buy Sioux City, Iowa car insurance, they should make sure to shop around. Some Sioux City, IA car insurance companies may offer discounts or other savings options for senior car insurance.

Annual Car 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

Sioux City, IA Car Insurance Rates by Credit History

How does your credit history affect Sioux City, IA car insurance rates? Review the numbers here to find out.

Annual Car 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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Sioux City, IA Car Insurance Rates by Driver History

How does a single speeding ticket affect your Sioux City, Iowa car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Sioux City.

Annual Sioux City, Iowa Car 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

Sioux City, IA Car Insurance Rates With a DUI

Even a single DUI can increase your Sioux City, IA car insurance rates. Compare rates below to see which Sioux City car insurance company has the best rates for drivers with a DUI.

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

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

Sioux City, IA Car Insurance Rates by ZIP Code

Just like Sioux City car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Sioux City, IA car insurance rates fluctuate by ZIP code.

Annual Car 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

Sioux City, IA Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Sioux City, IA car insurance rates may be. Let’s take a look at average car insurance rates from top Sioux City companies based on commute time.

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

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

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Sioux City, IA Cheapest Car Insurance Rates

How do the top Sioux City, Iowa car insurance companies’ average rates stack up against the Sioux City average monthly car insurance rates of $275? Take a look and see.

Best Annual Car 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

Sioux City, IA Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Sioux City, Iowa car insurance companies to help you find one that best fits your needs.

Average Annual Car 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

Other Factors Affecting Sioux City, IA Car Insurance Rates

Before you buy Sioux City, Iowa car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Sioux City, IA Commute Time

How does your Sioux City, IA commute time compare with the average driver? In Sioux City, the average commute is 17.3 minutes.

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Sioux City, IA Car Insurance Quotes

Compare Sioux City, IA car insurance quotes from multiple companies by entering your ZIP code now.