- The average cost of car insurance in Sioux City is 28.2% less than the national average rate of $1,883.
- Monthly car insurance rates for a few popular vehicles in Sioux City include the Ford Explorer at $107, Toyota Tacoma at $120, and Nissan Rogue at $106.
- For cheap car insurance in Sioux City, Iowa, crossover vehicles like the Chevrolet Trailblazer, Nissan Kicks, Mazda CX-5, and Volkswagen Tiguan have the best rates.
- Auto insurance quotes in Sioux City can vary significantly from as little as $28 per month for liability-only insurance to well over $680 per month for drivers with poor driving records.
How much does car insurance cost in Sioux City, IA?
Sioux City car insurance costs an average of $1,418 per year, which is 28.2% less than the U.S. average rate of $1,883. The average cost per month for car insurance in Sioux City is $118 for a full coverage policy.
In the state of Iowa, the average price for car insurance is $1,330 per year, so the average cost in Sioux City is $88 more per year. The cost to insure a vehicle in Sioux City compared to other Iowa cities is around $10 per year cheaper than in Waterloo, $22 per year more than in Davenport, and $74 per year more expensive than in Cedar Rapids.
Driver age is the largest factor that influences the cost of auto insurance. The list below illustrates this point by breaking down average car insurance rates for driver ages from 16 to 60.
Car insurance cost in Sioux City for drivers age 16 to 60
- 16-year-old driver – $5,050 per year or $421 per month
- 17-year-old driver – $4,892 per year or $408 per month
- 18-year-old driver – $4,386 per year or $366 per month
- 19-year-old driver – $3,992 per year or $333 per month
- 20-year-old driver – $2,852 per year or $238 per month
- 30-year-old driver – $1,512 per year or $126 per month
- 40-year-old driver – $1,418 per year or $118 per month
- 50-year-old driver – $1,256 per year or $105 per month
- 60-year-old driver – $1,176 per year or $98 per month
The next chart shows average Sioux City, IA, auto insurance cost broken out not only by driver age, but also by physical damage coverage deductibles. Rates are averaged for all 2024 vehicle models including luxury models.
Average car insurance rates in the chart range from $996 per year for a policy with high physical damage deductibles for a 60-year-old driver to $3,316 per year for a 20-year-old driver with a low deductible policy.
When the rates in the chart are converted for monthly budgeting, the average cost of car insurance per month in Sioux City ranges from $83 to $276.
Sioux City car insurance rates vary considerably and can change frequently. Since the chances of having many different rates is high, this increases the need to get multiple auto insurance quotes when shopping online for a better price on car insurance in Sioux City.
Car insurance for popular cars, trucks, and SUVs
The previous car insurance rates in this article are averaged for every 2024 model year vehicle, which is suitable when making generalized comparisons like the average cost difference for different locations or driver risk profiles.
But for more useful auto insurance cost comparisons, we should perform a rate analysis for the specific vehicle being insured. Later in this article, we show lots of rates for different makes and models, but for now, we will explore just a few popular models to discover how car insurance rates measure up in Sioux City.
The following chart shows average insurance cost in Sioux City for the more popular models. At the end of this article, we will examine additional situations that affect the cost of insuring some of these models in much more detail.
What are the cheapest auto insurance rates in Sioux City?
The vehicles with the most affordable insurance prices in Sioux City, IA, tend to be crossovers and compact SUVs like the Kia Soul, Chevrolet Trailblazer, and Toyota Corolla Cross. Average insurance rates for those vehicles cost $1,152 or less per year for full coverage car insurance.
Other models that are ranked high in our car insurance price comparison are the Kia Niro, Honda CR-V, Acura RDX, and Volkswagen Tiguan.
Average auto insurance rates are a few dollars per month higher for those models than the compact SUVs and crossovers at the top of the rankings, but they still have an average cost of $101 or less per month in Sioux City.
The table below breaks down the top 30 cheapest vehicles to insure in Sioux City, ordered by annual cost.
| Rank | Make/Model | Annual Premium | Cost Per Month |
|---|---|---|---|
| 1 | Subaru Crosstrek | $1,050 | $88 |
| 2 | Chevrolet Trailblazer | $1,066 | $89 |
| 3 | Kia Soul | $1,106 | $92 |
| 4 | Nissan Kicks | $1,118 | $93 |
| 5 | Honda Passport | $1,130 | $94 |
| 6 | Buick Envision | $1,138 | $95 |
| 7 | Toyota Corolla Cross | $1,144 | $95 |
| 8 | Hyundai Venue | $1,152 | $96 |
| 9 | Mazda CX-5 | $1,158 | $97 |
| 10 | Ford Bronco Sport | $1,162 | $97 |
| 11 | Volkswagen Tiguan | $1,174 | $98 |
| 12 | Acura RDX | $1,186 | $99 |
| 13 | Nissan Murano | $1,192 | $99 |
| 14 | Buick Encore | $1,204 | $100 |
| 15 | Honda CR-V | $1,208 | $101 |
| 16 | Subaru Outback | $1,208 | $101 |
| 17 | Buick Envista | $1,210 | $101 |
| 18 | Volkswagen Taos | $1,212 | $101 |
| 19 | Chevrolet Colorado | $1,214 | $101 |
| 20 | Kia Niro | $1,216 | $101 |
| 21 | Honda HR-V | $1,232 | $103 |
| 22 | Subaru Ascent | $1,234 | $103 |
| 23 | Toyota GR Corolla | $1,234 | $103 |
| 24 | Nissan Leaf | $1,240 | $103 |
| 25 | Honda Civic | $1,254 | $105 |
| 26 | Lexus NX 250 | $1,256 | $105 |
| 27 | Volkswagen Atlas | $1,258 | $105 |
| 28 | Acura Integra | $1,260 | $105 |
| 29 | Kia Seltos | $1,264 | $105 |
| 30 | Volkswagen Atlas Cross Sport | $1,264 | $105 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 23, 2024
A table showing 30 vehicle models with cheap Sioux City car insurance is great if you just want the lowest rates. A more thorough way to group rates for more vehicles in an organized fashion is by breaking them out by the segment they belong to. The six sections below rank the top 20 models with the cheapest insurance rates in Sioux City for each of the main vehicle segments.
Cheapest cars to insure in Sioux City
Ranking in the top five for the cheapest Sioux City car insurance rates in the non-luxury sedan or hatchback segment are the Nissan Leaf, Honda Civic, Subaru Impreza, Toyota GR Corolla, and Nissan Sentra. Car insurance rates for these vehicles average $108 or less per month.
Some other cars that have cheaper rates include the Toyota Prius, Kia K5, Honda Accord, and Hyundai Ioniq 6, with average annual insurance rates of $1,374 per year or less.
Ranked in the bottom half of the top 20 cheapest cars to insure, cars like the Toyota Corolla, Hyundai Sonata, Mitsubishi Mirage G4, Volkswagen Arteon, and Nissan Versa cost between $1,374 and $1,464 per year for full-coverage insurance in Sioux City.
Full-coverage insurance in this segment can cost as low as $103 per month, depending on your location.
If insurance rates are ranked by vehicle size, the cheapest non-luxury compact car to insure in Sioux City is the Toyota GR Corolla at $1,234 per year, or $103 per month. For midsize 2024 models, the Hyundai Ioniq 6 has the best rates at $1,306 per year, or $109 per month. And for full-size cars, the Chrysler 300 has the best rates at $1,346 per year, or $112 per month.
The table below ranks the cars with the most affordable average insurance rates in Sioux City, starting with the Toyota GR Corolla at $1,234 per year and ending with the Mazda 3 at $1,464 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Toyota GR Corolla | Compact | $1,234 | $103 |
| Nissan Leaf | Compact | $1,240 | $103 |
| Honda Civic | Compact | $1,254 | $105 |
| Nissan Sentra | Compact | $1,298 | $108 |
| Subaru Impreza | Compact | $1,300 | $108 |
| Hyundai Ioniq 6 | Midsize | $1,306 | $109 |
| Toyota Prius | Compact | $1,326 | $111 |
| Kia K5 | Midsize | $1,364 | $114 |
| Honda Accord | Midsize | $1,370 | $114 |
| Chevrolet Malibu | Midsize | $1,374 | $115 |
| Toyota Corolla | Compact | $1,382 | $115 |
| Kia Forte | Compact | $1,384 | $115 |
| Volkswagen Arteon | Midsize | $1,394 | $116 |
| Nissan Versa | Compact | $1,398 | $117 |
| Subaru Legacy | Midsize | $1,398 | $117 |
| Mitsubishi Mirage G4 | Compact | $1,430 | $119 |
| Volkswagen Jetta | Compact | $1,434 | $120 |
| Hyundai Sonata | Midsize | $1,436 | $120 |
| Toyota Crown | Midsize | $1,436 | $120 |
| Mazda 3 | Compact | $1,464 | $122 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 22, 2024
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to compare rates for all makes and models.
Looking for a different vehicle? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Sioux City car insurance quotes from the best auto insurance companies in Iowa.
Cheapest SUVs to insure in Sioux City, IA
The top-ranked model in Sioux City for cheapest auto insurance rates in the SUV segment is the Subaru Crosstrek, at an average of $1,050 per year. Second place is the Chevrolet Trailblazer costing $1,066 per year, the third cheapest is the Kia Soul, costing an average of $1,106 per year, and fourth place goes to the Nissan Kicks, at an average of $1,118 per year.
Also ranking in the top 10 are models like the Ford Bronco Sport, Mazda CX-5, Toyota Corolla Cross, and Hyundai Venue, with an average cost of $1,162 per year or less.
In the lower half of the top 20 SUVs to insure, SUVs like the Volkswagen Taos, Kia Niro, Honda HR-V, Buick Envista, Buick Encore, and Subaru Outback cost between $1,162 and $1,232 to insure per year in Sioux City.
As a cost per month, car insurance rates on this segment in Sioux City for a good driver can cost as low as $88 per month, depending on where you live.
When vehicle size is factored in, the cheapest compact SUV to insure in Sioux City is the Subaru Crosstrek at $1,050 per year. For midsize SUVs, the Honda Passport has the cheapest rates at $1,130 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $1,332 per year.
The rate comparison table below ranks the SUVs with the lowest-cost average auto insurance rates in Sioux City.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Subaru Crosstrek | Compact | $1,050 | $88 |
| Chevrolet Trailblazer | Compact | $1,066 | $89 |
| Kia Soul | Compact | $1,106 | $92 |
| Nissan Kicks | Compact | $1,118 | $93 |
| Honda Passport | Midsize | $1,130 | $94 |
| Buick Envision | Compact | $1,138 | $95 |
| Toyota Corolla Cross | Compact | $1,144 | $95 |
| Hyundai Venue | Compact | $1,152 | $96 |
| Mazda CX-5 | Compact | $1,158 | $97 |
| Ford Bronco Sport | Compact | $1,162 | $97 |
| Volkswagen Tiguan | Compact | $1,174 | $98 |
| Nissan Murano | Midsize | $1,192 | $99 |
| Buick Encore | Compact | $1,204 | $100 |
| Honda CR-V | Compact | $1,208 | $101 |
| Subaru Outback | Midsize | $1,208 | $101 |
| Buick Envista | Midsize | $1,210 | $101 |
| Volkswagen Taos | Compact | $1,212 | $101 |
| Kia Niro | Compact | $1,216 | $101 |
| Honda HR-V | Compact | $1,232 | $103 |
| Subaru Ascent | Midsize | $1,234 | $103 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 23, 2024
For all vehicle comparisons, see our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance.
Need rates for a different SUV? No sweat! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top companies in Iowa.
Cheapest pickups to insure in Sioux City
Ranking at the top for the most affordable Sioux City auto insurance rates in the pickup truck segment are the Nissan Titan, Chevrolet Colorado, Nissan Frontier, Ford Maverick, and Ford Ranger. Auto insurance quotes for these vehicles average $115 or less per month.
Not the cheapest in the list, but still ranking well, are trucks like the Honda Ridgeline, GMC Sierra 2500 HD, GMC Canyon, and Toyota Tacoma, with an average cost to insure of $1,458 per year or less.
Full-coverage auto insurance in Sioux City for this segment for a safe driver will start around $101 per month, depending on your company and location.
The rate comparison table below ranks the pickups with the lowest-cost car insurance in Sioux City, starting with the Chevrolet Colorado at $101 per month and ending with the Ram Truck at $137 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Chevrolet Colorado | Midsize | $1,214 | $101 |
| Nissan Titan | Full-size | $1,326 | $111 |
| Nissan Frontier | Midsize | $1,340 | $112 |
| Ford Ranger | Midsize | $1,352 | $113 |
| Ford Maverick | Midsize | $1,376 | $115 |
| Honda Ridgeline | Midsize | $1,406 | $117 |
| Hyundai Santa Cruz | Midsize | $1,428 | $119 |
| Toyota Tacoma | Midsize | $1,436 | $120 |
| GMC Sierra 2500 HD | Heavy Duty | $1,442 | $120 |
| GMC Canyon | Midsize | $1,458 | $122 |
| Jeep Gladiator | Midsize | $1,494 | $125 |
| GMC Sierra 3500 | Heavy Duty | $1,502 | $125 |
| Chevrolet Silverado HD 3500 | Heavy Duty | $1,516 | $126 |
| Chevrolet Silverado HD 2500 | Heavy Duty | $1,554 | $130 |
| GMC Sierra | Full-size | $1,564 | $130 |
| Nissan Titan XD | Heavy Duty | $1,566 | $131 |
| Chevrolet Silverado | Full-size | $1,568 | $131 |
| Ford F150 | Full-size | $1,586 | $132 |
| GMC Hummer EV Pickup | Full-size | $1,624 | $135 |
| Ram Truck | Full-size | $1,642 | $137 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 23, 2024
For more pickup insurance comparisons, see our guides for midsize pickup insurance and large pickup insurance.
Don’t see rates for your pickup? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Iowa.
Cheapest luxury cars to insure
Taking the top spot in Sioux City for cheapest auto insurance rates in the luxury sedan segment is the Acura Integra, at $1,260 per year. Second place is the BMW 330i at $1,444 per year, the third cheapest is the Mercedes-Benz CLA250, costing an average of $1,460 per year, and the fourth most affordable is the Lexus IS 300, at an average of $1,462 per year.
Other luxury cars that have affordable average insurance rates include the Lexus RC 300, Genesis G70, Mercedes-Benz AMG CLA35, and Cadillac CT4, with an average car insurance cost of $1,490 per year or less.
Car insurance in Sioux City for this segment can cost as low as $105 per month, depending on where you live and the company you use. The rate comparison table below ranks the twenty cars with the lowest-cost car insurance in Sioux City, starting with the Acura Integra at $105 per month and ending with the Audi S3 at $133 per month.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura Integra | Compact | $1,260 | $105 |
| BMW 330i | Compact | $1,444 | $120 |
| Mercedes-Benz CLA250 | Midsize | $1,460 | $122 |
| Lexus IS 300 | Midsize | $1,462 | $122 |
| Acura TLX | Compact | $1,468 | $122 |
| Cadillac CT4 | Compact | $1,480 | $123 |
| Lexus ES 350 | Midsize | $1,482 | $124 |
| Genesis G70 | Compact | $1,486 | $124 |
| Mercedes-Benz AMG CLA35 | Midsize | $1,486 | $124 |
| Lexus RC 300 | Midsize | $1,490 | $124 |
| Lexus IS 350 | Compact | $1,492 | $124 |
| Jaguar XF | Midsize | $1,500 | $125 |
| Cadillac CT5 | Midsize | $1,526 | $127 |
| Lexus ES 250 | Midsize | $1,534 | $128 |
| BMW 330e | Compact | $1,538 | $128 |
| Lexus RC 350 | Compact | $1,538 | $128 |
| BMW 228i | Compact | $1,542 | $129 |
| BMW 230i | Compact | $1,552 | $129 |
| Lexus ES 300h | Midsize | $1,556 | $130 |
| Audi S3 | Compact | $1,590 | $133 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 22, 2024
For more luxury car insurance comparisons, see our complete guide for luxury car insurance.
Don’t see your luxury car? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free Sioux City car insurance quotes from top auto insurance companies in Iowa.
Cheapest luxury SUVs to insure in Sioux City, IA
The four lowest-cost luxury SUV models to insure in Sioux City are the Acura RDX at $1,186 per year, Lexus NX 250 at $1,256 per year, Cadillac XT4 at $1,282 per year, and Jaguar E-Pace at $1,328 per year.
Other luxury SUVs that have cheaper rates include the Lexus NX 350h, Lexus UX 250h, Lincoln Corsair, and Mercedes-Benz GLB 250, with average cost of $1,368 per year or less.
Full-coverage insurance in Sioux City for this segment for a good driver starts at around $99 per month, depending on your company and location.
The most budget-friendly small luxury SUV to insure in Sioux City is the Acura RDX at $1,186 per year. For midsize luxury SUVs, the Jaguar E-Pace has the cheapest rates at $1,328 per year. And for large luxury SUVs, the Infiniti QX80 is cheapest to insure at $1,590 per year.
The table below ranks the luxury SUVs with the lowest-cost insurance rates in Sioux City, starting with the Acura RDX at $1,186 per year and ending with the Lexus NX 350 at $1,422 per year.
| Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
|---|---|---|---|
| Acura RDX | Compact | $1,186 | $99 |
| Lexus NX 250 | Compact | $1,256 | $105 |
| Cadillac XT4 | Compact | $1,282 | $107 |
| Jaguar E-Pace | Midsize | $1,328 | $111 |
| Cadillac XT5 | Midsize | $1,338 | $112 |
| Lexus NX 350h | Compact | $1,338 | $112 |
| Lincoln Corsair | Compact | $1,354 | $113 |
| Lexus UX 250h | Compact | $1,356 | $113 |
| Mercedes-Benz GLB 250 | Compact | $1,358 | $113 |
| Lexus NX 450h | Compact | $1,368 | $114 |
| Infiniti QX50 | Midsize | $1,378 | $115 |
| Mercedes-Benz GLA250 | Compact | $1,380 | $115 |
| Cadillac XT6 | Midsize | $1,388 | $116 |
| Mercedes-Benz GLA35 AMG | Compact | $1,388 | $116 |
| Infiniti QX60 | Midsize | $1,396 | $116 |
| Mercedes-Benz AMG GLB35 | Midsize | $1,398 | $117 |
| Land Rover Evoque | Compact | $1,414 | $118 |
| Acura MDX | Midsize | $1,418 | $118 |
| Lexus RX 350 | Midsize | $1,420 | $118 |
| Lexus NX 350 | Compact | $1,422 | $119 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 23, 2024
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Is your luxury SUV missing from the table above? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free Sioux City car insurance quotes from top companies in Iowa.
Cheapest sports cars to insure
Ranking #1 in Sioux City for the lowest-cost insurance in the sports car segment is the Mazda MX-5 Miata, at $1,312 per year. Second place is the Toyota GR86 at $1,494 per year, third place goes to the Ford Mustang, costing an average of $1,560 per year, and ranking fourth is the BMW Z4, costing an average of $1,564 per year.
Other cars that are affordable to insure include the Toyota GR Supra, Subaru BRZ, Nissan Z, and BMW M2, with average cost of $1,694 per year or less.
Ranked from 10th to 20th place, cars like the Chevrolet Camaro, Porsche 911, Porsche Taycan, Jaguar F-Type, and Lexus LC 500 cost between $1,694 and $2,400 per year for auto insurance in Sioux City.
As a cost per month, car insurance in Sioux City on this segment for the average driver starts at an average of $109 per month, depending on your location.
The rate comparison table below ranks the sports cars with the lowest-cost average insurance rates in Sioux City, starting with the Mazda MX-5 Miata at $109 per month and ending with the Porsche Taycan at $200 per month.
| Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
|---|---|---|---|
| Mazda MX-5 Miata | Sports Car | $1,312 | $109 |
| Toyota GR86 | Sports Car | $1,494 | $125 |
| Ford Mustang | Sports Car | $1,560 | $130 |
| BMW Z4 | Sports Car | $1,564 | $130 |
| Subaru WRX | Sports Car | $1,590 | $133 |
| Toyota GR Supra | Sports Car | $1,590 | $133 |
| BMW M2 | Sports Car | $1,640 | $137 |
| Nissan Z | Sports Car | $1,640 | $137 |
| Lexus RC F | Sports Car | $1,676 | $140 |
| Subaru BRZ | Sports Car | $1,694 | $141 |
| BMW M3 | Sports Car | $1,788 | $149 |
| Porsche 718 | Sports Car | $1,828 | $152 |
| Chevrolet Camaro | Sports Car | $1,842 | $154 |
| Chevrolet Corvette | Sports Car | $1,964 | $164 |
| Porsche 911 | Sports Car | $2,032 | $169 |
| BMW M4 | Sports Car | $2,116 | $176 |
| Lexus LC 500 | Sports Car | $2,130 | $178 |
| Jaguar F-Type | Sports Car | $2,238 | $187 |
| Mercedes-Benz AMG GT53 | Sports Car | $2,348 | $196 |
| Porsche Taycan | Sports Car | $2,400 | $200 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Sioux City, IA Zip Codes. Updated February 23, 2024
Don’t see your sports car? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in Sioux City.
Tips for finding cheaper Sioux City car insurance quotes
Shrewd drivers are always searching for ways to save money on auto insurance, so glance through the money-saving tips in the list below and it’s very possible you can save a little dough on your next policy.
- Get cheaper rates because of your occupation. Some car insurance providers offer policy discounts for being employed in professions like lawyers, architects, firefighters, dentists, scientists, accountants, and others. If you can get this discount applied to your policy, you could save between $43 and $138 on your annual premium, subject to policy limits.
- Shop around for better rates. Setting aside a few minutes every year or so to get a few free car insurance quotes is our best recommendation for saving money. Rates change often and you can switch your coverage anytime.
- Consider buying higher deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $300 per year for a 40-year-old driver and $588 per year for a 20-year-old driver.
- If your car is older, remove unneeded coverages. Dropping physical damage coverage (comprehensive and collision) from older vehicles can cut the cost of insurance substantially.
- Buy vehicles with low cost insurance. The type of vehicle you drive is one of the primary factors in the price you pay for insurance. For example, a Kia Soul costs $926 less per year to insure in Sioux City than a Porsche 911. Lower performance vehicles cost less to insure.
- Be a careful driver and pay less for insurance in Sioux City. Too many at-fault accidents will increase rates, possibly as much as $2,024 per year for a 20-year-old driver and even as much as $346 per year for a 60-year-old driver. So be safe and save.