Cheapest Car Insurance In Sioux City, IA 2025
Auto-Owners offers the lowest rates for minimum coverage car insurance in Sioux City, averaging $26 per month.
We’ve saved shoppers an average of $600 per year on their car insurance.
Searching for the cheapest car insurance in Sioux City, IA, can reveal a wide range of options.
Auto-Owners stands out as the top choice for the cheapest liability-only coverage. On the other hand, GEICO offers the best rates for full coverage, while State Farm provides the most affordable rates for young drivers.
Cheapest Car Insurance Companies In Sioux City, IA 2025
Cheapest Rates In Sioux City For Teenagers: IMT Insurance Company
IMT Insurance Company offers the lowest car insurance rates for teenage drivers in Sioux City, with average monthly premiums of $138.
The table below lists the companies offering the lowest insurance rates for teenagers.
| Provider | Average Monthly Cost | Average Annual Cost |
| IMT Insurance Company | $138 | $1,656 |
| State Farm | $162 | $1,944 |
| Hastings Mutual | $168 | $2,016 |
| Farm Bureau | $140 | $1,680 |
| American Family | $193 | $2,316 |
Cheapest Full Coverage Insurance Rates In Sioux City: GEICO
GEICO offers the most affordable full coverage car insurance in Sioux City, with an average monthly rate of $52.
The following table highlights average auto insurance quotes from budget-friendly providers in Sioux City.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $52 | $624 |
| Farmers | $65 | $780 |
| Nationwide | $89 | $1,068 |
| Safeco | $113 | $1,356 |
| Foremost | $224 | $2,688 |
Cheapest Liability-only Car Insurance In Sioux City: Auto-Owners
In Sioux City, Auto-Owners offers the most affordable minimum coverage car insurance, averaging $26 per month.
The table below allows you to compare rates offered by various insurance providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| Auto-Owners | $26 | $312 |
| Allstate | $33 | $396 |
| GEICO | $30 | $360 |
| American Family | $34 | $408 |
| Farmers | $39 | $468 |
Cheapest Car Insurance Rates For Seniors: State Farm
State Farm offers the lowest car insurance rates for seniors in Sioux City, averaging $68 per month.
The table below displays average quotes from the most affordable auto insurance providers for seniors.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $68 | $816 |
| Auto-Owners | $75 | $900 |
| IMT Insurance Company | $68 | $816 |
| Farm Bureau | $63 | $756 |
| Hastings Mutual | $82 | $984 |
Cheapest Auto Insurance For Young Adults in Sioux City: State Farm
In Sioux City, State Farm provides the most affordable quotes for young adults, with an average monthly rate of $71.
The table below allows you to compare the lowest auto insurance rates in Sioux City for young adults.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $71 | $852 |
| Pekin Insurance | $93 | $1,116 |
| IMT Insurance | $82 | $984 |
| Hastings Insurance | $99 | $1,188 |
| Farm Bureau | $94 | $1,128 |
Cheapest Car Insurance In Sioux City For Good Drivers: Auto-Owners
Auto-Owners offers the most affordable car insurance for good drivers in Sioux City, with quotes averaging $26 per month.
If you have a clean driving record, use the table below to compare average quotes from the cheapest insurance providers.
| Provider | Average Monthly Cost | AverageAnnual Cost |
| Auto-Owners | $26 | $312 |
| Allstate | $33 | $396 |
| GEICO | $30 | $360 |
| American Family | $34 | $408 |
| Farmers | $39 | $468 |
Find affordable Sioux City rates
Cheapest For Drivers With After At-Fault Accident: Allstate
Allstate provides the lowest car insurance rates for drivers with an at-fault incident, averaging $48 per month.
Below are the car insurance companies offering the lowest rates for drivers with an at-fault accident on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $48 | $576 |
| GEICO | $52 | $624 |
| American Family | $54 | $648 |
| Safeco | $87 | $1,044 |
| Nationwide | $75 | $900 |
Cheapest Rates In Sioux City For Drivers After A DUI: GEICO
After a DUI, GEICO offers the lowest car insurance rates, with average monthly premiums of $50 for Sioux City drivers.
The table below shows the cheapest car insurance rates for drivers in Sioux City with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $50 | $600 |
| Nationwide | $86 | $1,032 |
| Travelers | $89 | $1,068 |
| Farmers | $66 | $792 |
| Dairyland | $114 | $1,368 |
Cheapest Car Insurance In Sioux City After A Speeding Ticket: Allstate
Compared to other insurers in Sioux City, Allstate offers very affordable rates, with an average of $46 a month for drivers with a speeding ticket.
The table below shows average rates for drivers who have a speeding ticket on their record.
| Provider | Average Monthly Cost | Average Annual Cost |
| Allstate | $46 | $552 |
| American Family | $49 | $588 |
| Travelers | $71 | $852 |
| Allstate | $50 | $600 |
| Dairyland | $92 | $1,104 |
Best Car Insurance Companies In Sioux City
In Sioux City, Auto-Owners offers the cheapest car insurance at $26 a month. Other affordable options include Allstate at $33 per month and GEICO at $30 monthly.
Below is a list of the top 10 car insurance providers in Sioux City, IA, ranked by their average monthly premiums.
| Company | Monthly Premium |
| Auto-Owners | $26 |
| Allstate | $33 |
| GEICO | $30 |
| American Family | $34 |
| Farmers | $39 |
| Direct Auto | $65 |
| Safeco | $64 |
| Travelers | $50 |
| Nationwide | $51 |
| Dairyland | $66 |
How Much Is Car Insurance In Other Cities in Iowa?
Your city plays a major role in determining your car insurance rates. Factors like accident frequency, vehicle theft, and vandalism, which tend to be higher in urban areas, can lead to increased premiums.
For instance, drivers in Council Bluffs typically pay around $120 a month for car insurance, while those in Boone average $96 per month.
| City | Average Monthly Rate |
| Davenport | $124 |
| Cedar Rapids | $102 |
| Harlan | $98 |
| Ames | $112 |
| Red Oak | $110 |
| Boone | $96 |
| Council Bluffs | $120 |
| Dubuque | $112 |
| Des Moines | $111 |
| Clinton | $85 |
Average Auto Insurance Rates In Sioux City – By Age
Age plays a significant role in determining car insurance rates. Younger drivers often face higher premiums due to their inexperience and higher risk of accidents and traffic violations. Teenagers can expect to pay about $1,905 annually for car insurance.
Once drivers turn 25, their insurance rates typically start to drop, provided they have a clean driving record.
Drivers in their 50s and early 60s typically receive the most competitive insurance rates, as insurers view this age group as having ample driving experience and lower risk.
| Age | Average Yearly Rate |
| Teenagers | $1,905 |
| 20s | $1,697 |
| 30s | $1,110 |
| 40s | $1,076 |
| 50s | $975 |
| 60s | $1,239 |
| 70s | $744 |
Average Cost Of Auto Insurance In Sioux City – By Zip Code
Insurers use zip codes to assess crime rates in different areas, which means car insurance rates vary by zip code.
The table below provides average car insurance rates for various zip codes in Sioux City.
| City | Average Monthly Rate |
| 51103 | $99 |
| 51106 | $80 |
| 51109 | $86 |
| 51108 | $136 |
| 51105 | $94 |
Average Rates In Sioux City – By Vehicle
The make, model, year, and body type of your car significantly impact your insurance premiums. Newer and luxury vehicles, with their advanced features and higher replacement costs, usually come with higher insurance rates.
The table below provides average insurance rates in Sioux City for various types of vehicles.
| Vehicle | Average Monthly Rate |
| Subaru Impreza | $161 |
| Chevrolet Trailblazer | $47 |
| Mitsubishi Mirage | $135 |
| Ford F150 | $316 |
| Kia Forte | $76 |
Find affordable Sioux City rates
Our Methodology
Based on a detailed analysis of customer service ratings, product offerings, pricing, and feedback from various online reviews, I have created an extensive overview of the car insurance options available in Sioux City, IA.
Quotes Analyzed
Brands Reviewed
Years Of Experience
Research Hours
FAQs
Who has the lowest car insurance rates in Sioux City?
Auto-Owners provides the lowest car insurance rates in Sioux City for the minimum coverage, while GEICO offers the best rates for full coverage, including comprehensive and collision protection.
What is the average cost of car insurance in Sioux City?
The typical cost of car insurance in Sioux City is around $100 per month, though rates can differ depending on factors like zip code, car model, and driving history.
