Cheapest Car Insurance Quotes in Sigourney

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Sigourney Car Insurance

^$ 17

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Sigourney

The car insurance rate in Sigourney is $763 for a six-month policy, which is $8 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $372, making it a popular choice for budget-conscious drivers. Rates in Sigourney can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Sigourney

$763

Avg. Car Insurance in Iowa

$755

National Average

$1278

Cheapest Car Insurance Companies in Sigourney

1st place: West Bend Mutual

At $372 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $420 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $444 for six months, making it the third cheapest auto insurance company in Sigourney.

Sigourney Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Sigourney, IA is West Bend Mutual, offering policies at just $372 for a six-month term. This is followed by Grange, which has an average six-month premium of $420.

At the higher end of the spectrum, Grinnell Mutual is the most expensive, with rates reaching $1212 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Sigourney drivers find the best deals.

Cheap Car Insurance Companies in Sigourney, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$372	$62
Grange	$420	$72
Travelers	$444	$75
Auto-Owners Insurance Co	$450	$77
Hastings Mutual	$462	$77
Westfield	$492	$84
IMT Insurance Company	$510	$85
American Family	$540	$91
State Farm	$666	$112
Pekin	$678	$115
Progressive	$684	$115
USAA	$690	$116
West Bend	$786	$131
Farm Bureau Mutual (IA Group)	$834	$141
IMT	$900	$150
Auto-Owners	$1020	$174
Farm Bureau	$1151	$192
Allstate	$1440	$242
Nationwide	$1512	$251
Grinnell Mutual	$1212	$202

Key Takeaways

Way's key takeaways about car insurance in Sigourney

The auto insurance costs in Sigourney fall around $372 for six months.
The cheapest auto insurance company in Sigourney is Pekin.
Teen drivers pay the highest rate in Sigourney at $464 per month.

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Cheapest Minimum Liability Car Insurance in Sigourney

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Sigourney are given below.

Pekin provides the cheapest minimum car insurance coverage in Sigourney. Their Average 6 Month Premium is $102. Grinnell Mutual is the most expensive at $270 for the same period.

Cheapest Liability Coverage in Sigourney, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$102	$17
Westfield	$108	$18
Hastings Mutual	$114	$19
Progressive	$114	$19
West Bend Mutual	$120	$20
Grange	$132	$22
USAA	$138	$23
Farm Bureau Mutual (IA Group)	$144	$24
Auto-Owners Insurance Co	$150	$25
State Farm	$150	$25
Iowa Farm Bureau	$162	$27
IMT	$168	$28
Travelers	$168	$28
Farm Bureau	$192	$32
West Bend	$192	$32
American Family	$198	$33
Auto-Owners	$210	$35
Allstate	$396	$67
Nationwide	$474	$81
Grinnell Mutual	$270	$45

Cheapest Full Coverage Car Insurance in Sigourney

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Sigourney is West Bend Mutual at $62 per month and $372 for six months.

Cheapest Full Coverage Car Insurance Quotes in Sigourney, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$372	$62
Grange	$420	$72
Travelers	$444	$75
Auto-Owners Insurance Co	$450	$77
Hastings Mutual	$462	$77
Westfield	$492	$84
IMT Insurance Company	$510	$85
American Family	$540	$91
State Farm	$666	$112
Pekin	$678	$115
Progressive	$684	$115
USAA	$690	$116
West Bend	$786	$131
Farm Bureau Mutual (IA Group)	$834	$141
IMT	$900	$150
Auto-Owners	$1020	$174
Farm Bureau	$1151	$192
Allstate	$1440	$242
Nationwide	$1512	$251
Grinnell Mutual	$1212	$202

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Average Car Insurance in Sigourney by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Sigourney, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Sigourney, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Sigourney's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Sigourney

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in Sigourney,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Sigourney at $22 per month. At $2724 for a six-month premium, Grinnell Mutual offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
Grange	$150	$25
West Bend Mutual	$162	$27
Iowa Farm Bureau	$186	$31
Travelers	$630	$106
American Family	$894	$150
USAA	$1128	$190
Progressive	$1344	$226
State Farm	$1578	$266
IMT	$1632	$272
Farm Bureau Mutual (IA Group)	$2250	$383
West Bend	$2412	$402
Farm Bureau	$2459	$418
Auto-Owners	$2544	$424
Allstate	$3077	$518
Nationwide	$4793	$799
Grinnell Mutual	$2724	$464

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Sigourney, Grange is the cheapest car insurance provider. At $174 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Sigourney is Grinnell Mutual, offering rates of around $2130 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$174	$29
Westfield	$210	$35
West Bend Mutual	$216	$36
Travelers	$234	$39
American Family	$240	$40
Progressive	$666	$112
IMT	$1194	$199
USAA	$1272	$216
West Bend	$1398	$233
Farm Bureau	$1986	$337
State Farm	$2076	$349
Nationwide	$2153	$367
Allstate	$2261	$377
Auto-Owners	$2616	$444
Grinnell Mutual	$2130	$363

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Car Insurance Rates with An Accident in Sigourney

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Sigourney, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Sigourney

The cheapest car insurance companies after an at-fault accident in Sigourney include Hastings Mutual and Pekin, offering $114 and $138, respectively. Nationwide is an expensive provider with an average six-month premium of $2436.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$114	$19
Pekin	$138	$23
Western National	$180	$30
Westfield	$180	$30
Grange	$204	$34
Auto-Owners Insurance Co	$210	$35
West Bend Mutual	$210	$35
Grinnell Mutual	$222	$37
Travelers	$450	$76
State Farm	$504	$85
American Family	$576	$97
Progressive	$690	$116
USAA	$984	$166
Farm Bureau Mutual (IA Group)	$1230	$209
Auto-Owners	$1320	$220
West Bend	$1320	$224
IMT	$1410	$235
Farm Bureau	$1872	$318
Allstate	$1986	$334
Nationwide	$2436	$414

Sigourney Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Sigourney IA. For example, the car insurance in Sigourney after a DUI increases to $720 for a six month policy. While the rate increases by $102 for a six-month policy in the case of a speeding ticket.

Sigourney auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$846	$141
One Med/PIP claim	$857	$145
Not-at-fault accident	$882	$147
One comp claim	$906	$155
Two Med/PIP claims	$930	$155
Child safety restraint	$948	$162
Failure to show documents	$948	$158
Failure to wear a seat belt	$948	$162
Speeding 6 - 10 MPH over limit	$948	$158
Two comp claims	$948	$162
Driving without lights	$953	$159
Driving with expired registration	$978	$167
Failure to yield	$978	$163
Illegal turn	$978	$167
Failure to stop at a red light	$984	$164
Wrong way/wrong lane	$990	$169
Cell phone violation	$996	$166
Driving too slowly	$996	$170
Speeding 11 - 15 MPH over limit	$996	$166
Texting while driving	$996	$170
Speeding 16 - 20 MPH over limit	$1002	$167
Speeding in school zone	$1014	$173
Improper passing	$1020	$170
Following too closely	$1026	$175
At-fault accident - less than $1000	$1044	$174
Passing school bus	$1062	$181
Operating a vehicle without permission	$1116	$186
At-fault accident - $1000-$2000	$1134	$193
Speeding 21 - 25 MPH over limit	$1134	$189
At-fault accident - greater than $2000	$1140	$194
In 65 MPH zone	$1218	$203
Open container	$1284	$218
Racing	$1446	$241
Driving with a suspended license	$1476	$250
Reckless driving	$1512	$251
Refusal to submit to a chemical test	$1536	$262
DUI	$1566	$261
Leaving scene of an accident/hit and run	$1584	$270

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Sigourney after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Sigourney.

The cheapest car insurance premiums in Sigourney are offered by American Family at $174 for a six-month policy. However, it can be as expensive as $2346 with companies like Grinnell Mutual.

Sigourney car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$174	$29
Western National	$180	$30
Grange	$234	$39
Travelers	$234	$39
West Bend Mutual	$234	$39
Progressive	$648	$109
IMT	$1194	$199
USAA	$1272	$216
West Bend	$1398	$233
Farm Bureau	$1986	$337
State Farm	$1998	$336
Nationwide	$2153	$367
Allstate	$2261	$377
Auto-Owners	$2616	$444
Grinnell Mutual	$2346	$399

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Sigourney are offered by Westfield at $132. However, it can be as expensive as $1212 with companies like Grinnell Mutual for a similar six-month premium.

Cheapest Car Insurance in Sigourney after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$132	$22
West Bend Mutual	$156	$26
American Family	$174	$29
Western National	$180	$30
Iowa Farm Bureau	$198	$33
Travelers	$198	$33
Grange	$204	$34
State Farm	$474	$80
Progressive	$594	$100
USAA	$918	$153
IMT	$1253	$213
Farm Bureau	$1410	$235
West Bend	$1584	$270
Allstate	$1655	$276
Auto-Owners	$1734	$295
Nationwide	$1908	$318
Grinnell Mutual	$1212	$206

Car Insurance Price Trends in Sigourney, Iowa

Car insurance rates in Sigourney have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Sigourney rose by $156 in January compared to $141 of December. In other words, there has been an increase by $15 when you compare January and December.

The average cost of liability insurance in the Sigourney remained steady at $29 in both January and December, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Sigourney?

The car insurance in Sigourney is $17 per month, which is lower than the national average.

What is the cheapest car insurance in Sigourney?

The cheapest car insurance in Sigourney is $62 per month for full coverage.

How much is car insurance in Sigourney for teenagers?

Car insurance for teenagers costs $132 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Sigourney?

The average cost of car insurance is $755 for a six-month policy. It will cost around $127 per month to insure your car in Sigourney.

Is car insurance expensive in Sigourney?

Car insurance can be expensive in Sigourney if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Sigourney can be affordable.

Cheapest Car Insurance Quotes in Sigourney

Why you can trust Way?

How Much Is Car Insurance in Sigourney

Avg. Car Insurance in Sigourney

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Sigourney

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Sigourney Car Insurance Rates by Company

Cheap Car Insurance Companies in Sigourney, IA

Way's key takeaways about car insurance in Sigourney

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Sigourney

Cheapest Liability Coverage in Sigourney, IA

Cheapest Full Coverage Car Insurance in Sigourney

Cheapest Full Coverage Car Insurance Quotes in Sigourney, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Sigourney by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Sigourney, IA increasing?

Car Insurance Premiums by Age in Sigourney

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Sigourney,IA

If you are in your twenties N/A is the best choice for car insurance in Sigourney.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Sigourney

Cheapest Car Insurance Companies after an At-Fault Accident in Sigourney

Sigourney Car Insurance Rates by Violation

Sigourney auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Sigourney after a DUI

Sigourney car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Sigourney after Speeding ticket

Car Insurance Price Trends in Sigourney, Iowa

Average Car Insurance Cost in Sigourney by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Sigourney, IA

Car Insurance Rates by State in the USA (2025 Update)

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