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Get Cheap Car Insurance in Sioux Rapids, IA

We monitor insurance prices, helping the average driver in Sioux Rapids save up to 33.2% on car insurance.

 

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The Cheapest Minimum Coverage in Sioux Rapids

The chart below shows the cheapest car insurance company in Sioux Rapids for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by IMT Insurance, Auto-Owners Insurance, and Farm Bureau.

 
Sioux Rapids Insurer Monthly Cost
State Farm $27
IMT Insurance $28
Auto-Owners Insurance $29
Farm Bureau $30

Savings for Every Kind of Sioux Rapids Driver

The table shows how much the average auto insurance customer in Sioux Rapids might save by following our recommendations.

Based on our extensive insurance data, we know the average Sioux Rapids driver will save about 22% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $268 per year by choosing the right vehicle insurance company. Some Sioux Rapids residents are paying out over $1,227 extra every year for auto insurance in Sioux Rapids. That cost may be even higher if you haven’t requested a new quote as your life situation changed.

Situation
Sioux Rapids, IA Savings / Yr.
Drivers with good records
$268
Drivers with accidents
$373
Drivers with speeding tickets
$318
Drivers with a DUI conviction
$428
Young drivers
$1,122
Married drivers
$369
Drivers with bad credit
$566

Sioux Rapids Car Insurance vs. Iowa

People living in Sioux Rapids pay an average of 1.76% less than the typical driver in the state. The average driver in Sioux Rapids can expect to pay about $481 per year, or $1,227 for full coverage.

Based on our analysis, State Farm will be the cheapest provider in Sioux Rapids for most people.

Car Insurance Prices by Sioux Rapids Neighborhood

Sioux Rapids, IA map of insurance costs by zip code and neighborhood

Insurance Prices

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Average
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Where is insurance cheapest within Sioux Rapids?

The map shows insurance prices in and around Sioux Rapids, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $55 per year within the city boundaries, with insurance premiums ranging from a high of $1,258 to a low of $1,203. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Northwest parts of Sioux Rapids.

Pick the Best Car Insurance Company for You in Sioux Rapids

We have analyzed insurance costs for auto insurance customers based on the major variables that impact pricing. The results of our analysis are below, including US dollar savings. What about when you meet one or more of the criteria? For example, if you have both a DUI and a speeding ticket? Simply start with the Sioux Rapids insurance provider for whom we have posted the highest savings dollar figure.

The best car insurance provider for most drivers in Sioux Rapids

For drivers with clean driving records and no major strikes, State Farm is the best option, with annual savings of $268 over the average Sioux Rapids car insurance company.

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We use the average good driver, paying $80 per month, as our baseline for pricing in Sioux Rapids. State Farm, IMT Insurance, and Midvale Home & Auto are all good choices for quotes if you have a clean record. See also the best providers for married people if you are married, and look for repeated company names.

The best car insurance provider for Sioux Rapids drivers with accidents on their records

In Sioux Rapids getting into an accident will raise premiums an average 32% for a yearly cost of $1,796. That's $569 per year more than a driver with no at-fault crashes on their driving record might pay. To avoid paying out more than you need to, State Farm, IMT Insurance, and Auto-Owners Insurance are good choices for drivers with accidents.

In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $373 over the competition.

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The best car insurance company for Sioux Rapids drivers with speeding tickets

>State Farm gave the average person with a speeding ticket the most savings, averaging $318 better than other car insurance companies.

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Depending on the insurance company, a speeding ticket can actually raise insurance premiums more than getting in an accident. In Sioux Rapids, tickets raise premiums on new quotes about $319. If you have a speeding ticket, we recommend State Farm, IMT Insurance, and Auto-Owners Insurance for savings that beat the average insurance cost of $1,546 per year.

The best auto insurance for Sioux Rapids drivers with a DUI conviction

Getting a DUI can increase the cost of insurance dramatically. The average person with a DUI paid $1,941 per year in auto insurance premiums, which was $714 more than a driver with no major issues. State Farm, Progressive, and IMT Insurance penalized their customers the least for a DUI.

Getting a quote from State Farm may cost the average person with a DUI about $428 less each year.

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The least expensive car insurance company for new and young drivers in Sioux Rapids

In Sioux Rapids, IMT Insurance costs young drivers $1,122 less each year versus the average auto insurance bill.

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Teen drivers account for more than their share of accidents, and thus end up paying about 64% more for insurance than more mature drivers in Sioux Rapids. With an average cost of $3,376 per year (for young drivers who aren't on a parent's plan), car insurance for inexperienced drivers can’t ever be called "cheap." A few companies like State Farm, IMT Insurance, and Farm Bureau try to attract these younger drivers with lower prices in the hopes that they will stay with the company.

The best marriage discounts for vehicle insurance in Sioux Rapids

Not everything is an excuse for the auto insurance companies to charge you more. Getting married provides an average discount of $83. State Farm, IMT Insurance, and Farm Bureau provided the largest discounts to couples living in Sioux Rapids.

State Farm gave the largest car insurance discounts to married couples, averaging $369 saved each year compared to an average Sioux Rapids couple's premiums.

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The cheapest car insurance in Sioux Rapids for drivers with bad credit

People with poor credit saved an average of $566 with IMT Insurance.

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Many people are surprised that their poor credit score can cost them an average of $803 every year. Premiums for people with poor credit were about $2,030 in Sioux Rapids. However, some insurance companies do not take credit score into account. If you have a credit score below 575, get quotes from Nationwide, Travelers, and IMT Insurance.

The best Sioux Rapids car insurance company for customer service

Many car insurance companies over the years have struggled with customer service. In Sioux Rapids, the National Association of Insurance Commissioners (NAIC) ranks Nationwide as the best. Another valuable metric: JD Power ranks Farmers Insurance as the best provider in Sioux Rapids.

Nationwide was the best company for customer service in Sioux Rapids according to the NAIC.

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Recent price drops

Due to improvements in our tracking and methodology, we are unable to show price change data for the most recent year. This data will return next year (2023).

In 2020, at the peak of the global pandemic, {{top1_2020pricedrop_company}} changed their average price {{top1_2020pricedrop_company_percentage}}% in Sioux Rapids, which was better than other insurers.

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During the Covid-19 pandemic a few insurance companies realized people were driving less and struggling overall. They proactively lowered their rates for many customers in Sioux Rapids. We think helping communities in a time of need deserves special attention. Many insurance companies have advertisements telling us how much they care: we prefer to look at their actions.

The cheapest large national provider in Sioux Rapids

Many customers have informed us that they prefer to work with large national brands. Maybe they're one of the 22% of Sioux Rapids residents who are renting, and don't plan to be in the city or state for very long. Or maybe national recognition and funds make people feel more secure with a large provider. Regardless, State Farm tends to have the lowest prices for most drivers.

For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Sioux Rapids driver can expect to pay about $81 per month.

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What About USAA?

JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Sioux Rapids, USAA has the best prices for drivers with a DUI conviction, drivers with bad credit, drivers with speeding tickets, drivers with accidents, good drivers, and young drivers.
Get USAA (An excellent choice if you qualify)

Auto Insurance Prices in and Around Sioux Rapids

What Influences the Cost of Car Insurance in Sioux Rapids?

On average, car insurance in Sioux Rapids is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:

  • The average commute time in Sioux Rapids is 22 minutes, which is far less than average for a driver in the state.
  • Iowa state insurance regulations may allow for lower prices.
  • An average of 0 weeks with snow on the ground, which impacts accident rates.
  • Marriage rates in Sioux Rapids are lower than average in the state, and marriage often results in car insurance discounts.
  • Vehicle theft rates in the area are low, with a Vehicle Theft Crime Grade of C+ according to CrimeGrade.org.
  • Sioux Rapids is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.

As a result of these and other factors, the average cost of car insurance in Sioux Rapids is $40 per month for minimum coverage and $102 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.

Car Insurance in Nearby Cities

Cities with Similar Populations

* Who is the average Sioux Rapids driver? Based on national demographic data provided by BestNeighborhood, we took a single unmarried man living in central Sioux Rapids with good (but not perfect) credit driving a used midsized sedan. Data sources: proprietary data collection and analysis, unique to CoverageWatch.org All content copyright CoverageWatch.org. Journalists and other websites are free to cite any data with attribution.