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Find the Best Car Insurance Companies in Sioux City, IA

Car insurance is often necessary in Iowa, but Sioux City drivers can benefit from going beyond the state-required minimum coverage. The Sioux City Journal has partnered with ConsumerAffairs to create this guide by comparing the consumer reviews and local availability of 16 businesses and choosing seven favorites from the top car insurance companies in Sioux City.

Companies pay ConsumerAffairs to be accredited, and the Sioux City Journal and/or ConsumerAffairs may receive compensation when you click a link, call a number or fill out a form on this site.

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Why Sioux City residents need car insurance

sioux city skyline

If you are in a car accident in Sioux City, you could be faced with paying for property damage, medical bills and even legal costs. However, the right car insurance policy can protect you from this financial strain.

Keep in mind that Iowa is a little different than most states when it comes to car insurance mandates. Because of the Financial and Safety Responsibility Act, Sioux City drivers must either provide proof of financial responsibility or purchase the minimum liability insurance coverage required by the state. If you are found at fault for an accident and can’t provide proof insurance or financial responsibility, expect to be held personally liable for any damages and have your license suspended.

Sioux City car insurance costs and quotes

The average annual cost for minimum liability car insurance in Sioux City is about $357. However, the amount you pay for car insurance depends on many different factors, including your:

  • Age
  • Gender
  • Driving history
  • Marital status
  • ZIP code

Consult the list below to see various insurance types, what they cover and how much they typically cost in Sioux City:

  • Liability: If you cause an accident, liability insurance covers the cost of the damage done to the other vehicle. This costs about $220 to $375 a year.
  • Collision: Collision insurance covers the cost of damages to your own vehicle in the event of an accident. Expect costs of about $215 to $230 a year.
  • Comprehensive: Comprehensive insurance covers your car if it is damaged by non-collision-related accidents, like hail, vandalism or theft. It costs about $175 to $190 a year.
  • Medical coverage: If you are hurt in an accident, a medical coverage policy helps cover your hospital bills. This is an optional addition, and the cost varies widely by policy.
  • Uninsured motorist coverage: This optional insurance covers you if the other party in your motor vehicle accident is uninsured or underinsured, acting as an extra layer of protection on top of your standard policy. This coverage adds about $5 to $15 a month to your premiums.

Ideally, your policy will provide a combination of liability, collision and comprehensive coverage, with whatever add-ons you see fit.

Driving in Sioux City

Even though car insurance isn’t technically mandatory for drivers in Sioux City, it is still a smart and responsible decision to have protection, given the potential dangers on our roads.

Crashes in Sioux City

In 2018, there were 56,000 car accidents in Iowa, and 291 of them were fatal. Over 1,000 car accidents were caused by drivers texting behind the wheel, and eight of these were fatal. Drunk driving, speeding, reckless driving, following or passing too closely, severe weather, and poorly maintained roads all contribute to car accidents and fatalities across Sioux City each year. The four most dangerous highways in Sioux City are:

  • Interstate 29
  • Hamilton Boulevard
  • Gordon Drive
  • Business Highway 75

Along with damage to the vehicles involved, a serious accident can generate hundreds of thousands of dollars in medical bills. Liability coverage protects you from having to pay all of this out of pocket.

Road conditions in Sioux City

Sioux City’s roads are considered above average compared to roads in the rest of the country, but there are still some areas that are dimly lit, lack pedestrian crosswalks, have potholes or have been misshapen by severe weather and excessive use. These conditions can contribute to accident rates and cause you to get in a collision.

For more than 10 years, the Siouxland Veterans Memorial Bridge interchange area has been the worst spot for car accidents in Sioux City.

Vehicle theft in Sioux City

Crime in Sioux City is 83% higher than the national average, and in 2018 there were 289 reported vehicle thefts. In many cases, car insurance covers the cost of your stolen vehicle and pays for the replacement of stolen parts. Many policies also cover the cost of a rental car if your car has been vandalized and is in the shop for repairs.

What is the minimum auto insurance coverage in Sioux City?

Iowa drivers may opt to show proof of financial responsibility or purchase car insurance. For those who purchase car insurance, the state of Iowa requires a minimum of:

  • $20,000 for the bodily injury or death of one person in an accident
  • $40,000 for the bodily injury or death of multiple people in one accident
  • $15,000 for damage to or the destruction of other people’s property in an accident

However, minimum liability insurance may not provide all the coverage you need if you're in a serious accident. With basic insurance, you could still end up paying thousands of dollars out-of-pocket to fix your vehicle or account for any liability exceeding your coverage. That’s why it’s wise to consider comprehensive or collision coverage and policies with higher limits.

Sioux City car insurance FAQ

Who has the cheapest auto insurance in Sioux City?

There’s no clear answer to this. Quotes are subject to change, and they depend on many personal factors. The best way to find the cheapest policy for you is to get quotes on minimum coverage from several Sioux City insurance companies.

What is recommended for car insurance coverage in Iowa?

There are minimum requirements for insurance in Sioux City, but whether you should get collision, comprehensive, liability or full coverage depends on your budget and your willingness to mitigate risk.

How can I get cheap car insurance in Sioux City?

First, shop around to get quotes from different insurance providers and ask friends and family for referrals. Then, take advantage of company discounts. In the future, keeping a clean driving record and raising your credit score also helps lower your car insurance premiums.

Is car insurance required in Iowa?

No, car insurance is not technically required in Iowa. Because of the Financial and Safety Responsibility Act, drivers are required to either have car insurance or proof of financial responsibility. For many people, car insurance is the more viable option. If you are unable to provide proof of either one after an accident, your license could be suspended.

How much is car insurance for a 21-year-old?

It depends on their driving history and whether the 21-year-old is male or female, but the average premium for 21-year-old drivers in Iowa is $1,965.

Sioux City car insurance company information

EverQuote

EverQuote is an online marketplace for car insurance that connects you with reputable insurance providers based on your driving profile. You can use this tool to get instant access to insurance companies that offer the necessary coverage within your appropriate budget. EverQuote works with companies that offer a wide variety of discounts, and its licensed agents are available to walk you through the pros and cons of each insurance provider and discuss options.

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GEICO

GEICO is the second-largest car insurance company in the country. Along with basic coverage options, it offers mechanical breakdown coverage, ridesharing insurance and a mobile app that makes it easy to file a claim from anywhere. GEICO offers discounts for having safety equipment installed, seatbelt usage, good grades, military membership, insuring more than one vehicle and bundling car insurance with home insurance. Other perks include voice assistance and a mobile app.

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Progressive Auto Insurance

Progressive Auto Insurance offers full coverage options for almost every type of vehicle. The company’s deductible savings bank initiative drops deductibles by $50 for every six months you’re claim-free. Discounts exist for multiple policies, insuring more than one car, having good grades, having safe car features, owning a home and bundling car insurance with home insurance. The Snapshot feature tracks driving habits and modifies insurance rates based on safe driving.

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State Farm Auto Insurance

State Farm is the largest insurance company in the country. It offers a wide selection of insurance products and rewards customers for safe driving. Coverage options include rideshare insurance and coverage for rental and travel expenses if a car is more than 50 miles from home and needs repairs. State Farm has discounts for being accident-free, taking a safe driving course, having good grades, installing an anti-theft device and adding more than one car to your policy. In addition to traditional coverage, the company provides car insurance coverage for business travelers, collectors and vehicle renters.

State Farm Auto Insurance

Allstate Auto Insurance

Allstate has local agents, a wide variety of insurance products and a mobile platform for claims and updating policies. It offers the most common car insurance coverage options, plus optional add-ons like accident forgiveness, safe driving bonuses and new car replacement coverage. Customers save 10% by using its Drivewise app. Allstate has discounts for new cars, anti-theft devices, paperless accounts, good grades, bundling and upfront payments. It even sends customers a check for every six months for accident-free driving.

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USAA Auto Insurance

USAA has a wide range of insurance options for active military members, veterans and their families. The company offers comprehensive and collision coverage, liability coverage, injury protection, and uninsured or underinsured protection. Accident forgiveness is free after five years for customers with no at-fault accidents. USAA has discounts for safe driving, good grades, new cars, multiple vehicles and multiple drivers. Its award-winning customer service agents have experience working with military members and their families.

USAA Auto Insurance

Goodin Insurance Agency

Goodin Insurance Agency offers liability, comprehensive, collision, and uninsured or underinsured motorist coverage. Customers can take advantage of diminishing deductibles and accident forgiveness. This company claims to offer the same full-coverage options as the major insurance providers but with a small-town feel. The company is located at 103 Virginia St., Ste. 200, Sioux City, IA 51101.

Goodin Insurance Agency