Cheapest Auto Insurance in Sioux City, Iowa (2025)
State Farm has the cheapest liability car insurance in Sioux City, with a rate of $27 per month.
Secure. Free. Easy-to-use.
In Sioux City, Iowa, the average monthly cost of car insurance is $93, which is cheaper than the national average of $144 but a bit more expensive than the state average of $82.
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.
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.
Best insurer for cheap rates: Auto-Owners
Best insurer for military families: USAA
Best insurer for senior drivers: GEICO
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.
Cheapest liability-only car insurance in Sioux City: State Farm
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 $62 per month.
Here are the cheapest options for liability-only insurance in Sioux City.
Cheapest full-coverage car insurance in Sioux City: State Farm
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 $125 per month.
The following table highlights the companies offering the lowest rates in Sioux City.
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:2
Because liability insurance doesn’t cover your vehicle, you may want to purchase insurance optional coverage options. Here are common additional coverages to consider:
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.4
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 $93 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.
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.
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.5 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.