Cheapest Car Insurance Quotes in North Sioux City

Finding the cheapest car insurance quotes in North Sioux City shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

406,175 Policies Sold

North Sioux City Car Insurance

^$ 15

/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 North Sioux City

The car insurance rate in North Sioux City is $820 for a six-month policy, which is $134 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $261, making it a popular choice for budget-conscious drivers. Rates in North Sioux City 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 North Sioux City

$820

Avg. Car Insurance in South Dakota

$954

National Average

$1278

Cheapest Car Insurance Companies in North Sioux City

1st place: American Family

At $261 for a six month policy, American Family offers the cheapest auto insurance rates in the city.

2nd place: Kemper

Kemper offers auto insurance rates at $337 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Farmers Mutual of Nebraska

Farmers Mutual of Nebraska offers auto insurance rates at $419 for six months, making it the third cheapest auto insurance company in North Sioux City.

North Sioux City Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in North Sioux City, SD is American Family, offering policies at just $261 for a six-month term. This is followed by Kemper, which has an average six-month premium of $337.

At the higher end of the spectrum, Farm Bureau is the most expensive, with rates reaching $1548 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help North Sioux City drivers find the best deals.

Cheap Car Insurance Companies in North Sioux City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$261	$43
Kemper	$337	$58
Farmers Mutual of Nebraska	$419	$71
Auto-Owners Insurance Co	$445	$76
State Farm	$771	$130
Allstate	$838	$141
Progressive	$843	$142
USAA	$863	$145
Nationwide	$986	$166
Auto-Owners	$996	$168
Farmers	$1017	$171
North Star Mutual	$1354	$230
Farm Bureau	$1548	$258

Key Takeaways

Way's key takeaways about car insurance in North Sioux City

The auto insurance costs in North Sioux City fall around $261 for six months.
The cheapest auto insurance company in North Sioux City is Farmers Mutual of Nebraska.
Teen drivers pay the highest rate in North Sioux City at $492 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in North Sioux City

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 North Sioux City are given below.

Farmers Mutual of Nebraska provides the cheapest minimum car insurance coverage in North Sioux City. Their Average 6 Month Premium is $87. Farmers is the most expensive at $322 for the same period.

Cheapest Liability Coverage in North Sioux City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Farmers Mutual of Nebraska	$87	$15
American Family	$102	$17
Kemper	$118	$20
USAA	$123	$21
Progressive	$128	$22
Auto-Owners Insurance Co	$138	$23
State Farm	$143	$24
North Star Mutual	$153	$26
Auto-Owners	$158	$27
North Star Mutual Insurance	$184	$31
Farm Bureau	$214	$36
Nationwide	$276	$46
Allstate	$301	$52
Farmers	$322	$55

Cheapest Full Coverage Car Insurance in North Sioux City

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 North Sioux City is American Family at $43 per month and $261 for six months.

Cheapest Full Coverage Car Insurance Quotes in North Sioux City, SD

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$261	$43
Kemper	$337	$58
Farmers Mutual of Nebraska	$419	$71
Auto-Owners Insurance Co	$445	$76
State Farm	$771	$130
Allstate	$838	$141
Progressive	$843	$142
USAA	$863	$145
Nationwide	$986	$166
Auto-Owners	$996	$168
Farmers	$1017	$171
North Star Mutual	$1354	$230
Farm Bureau	$1548	$258

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in North Sioux City Instantly!

Average Car Insurance in North Sioux City 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 North Sioux City, SD increasing?

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

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

Car Insurance Premiums by Age in North Sioux City

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

undefined

Cheapest Car Insurance Rates for Teen Drivers in North Sioux City,SD

If you are planning to get a car insurance policy for your teenage dependent, American Family provides the cheapest car insurance in the North Sioux City at $22 per month. At $2952 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$132	$22
North Star Mutual Insurance	$163	$28
Kemper	$169	$28
Auto-Owners Insurance Co	$179	$30
Farmers Mutual of Nebraska	$659	$111
USAA	$1154	$194
State Farm	$1170	$197
Progressive	$1491	$251
North Star Mutual	$1747	$292
Auto-Owners	$2467	$415
Nationwide	$2886	$486
Farm Bureau	$2942	$501
Allstate	$4388	$731
Farmers	$2952	$492

Teen Car Insurance Rates in SD 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 North Sioux City, American Family is the cheapest car insurance provider. At $118 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 North Sioux City is Farmers, offering rates of around $1604 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$118	$20
Western National	$153	$26
Iowa Farm Bureau	$205	$34
Kemper	$235	$40
Farmers Mutual of Nebraska	$414	$70
Progressive	$634	$107
USAA	$1451	$247
Nationwide	$1854	$309
North Star Mutual	$2248	$382
Farm Bureau	$2902	$483
Auto-Owners	$3499	$595
State Farm	$4255	$710
Farmers	$1604	$273

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in North Sioux City.

Car Insurance Rates with An Accident in North Sioux City

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 North Sioux City, SD, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in North Sioux City

The cheapest car insurance companies after an at-fault accident in North Sioux City include American Family and Western National, offering $143 and $163, respectively. Farmers is an expensive provider with an average six-month premium of $1374.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$143	$24
Western National	$163	$28
Kemper	$184	$31
Auto-Owners Insurance Co	$189	$32
North Star Mutual Insurance	$281	$46
State Farm	$439	$74
Farmers Mutual of Nebraska	$475	$80
Progressive	$587	$99
USAA	$618	$104
Auto-Owners	$945	$159
Allstate	$1226	$205
Nationwide	$1696	$286
North Star Mutual	$2340	$390
Farm Bureau	$2375	$404
Farmers	$1374	$234

North Sioux City Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in North Sioux City SD. For example, the car insurance in North Sioux City after a DUI increases to $746 for a six month policy. While the rate increases by $143 for a six-month policy in the case of a speeding ticket.

North Sioux City auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$853	$142
One Med/PIP claim	$853	$145
Not-at-fault accident	$874	$145
Two Med/PIP claims	$904	$154
One comp claim	$909	$151
Failure to show documents	$940	$160
Two comp claims	$940	$157
Failure to wear a seat belt	$966	$164
Child safety restraint	$980	$163
Driving without lights	$980	$167
Driving with expired registration	$986	$164
Wrong way/wrong lane	$986	$168
Cell phone violation	$991	$165
Driving too slowly	$991	$169
Texting while driving	$991	$165
Failure to stop at a red light	$996	$169
Failure to yield	$996	$166
Following too closely	$996	$169
Illegal turn	$996	$166
Speeding 6 - 10 MPH over limit	$996	$169
Improper passing	$1006	$168
Speeding 11 - 15 MPH over limit	$1011	$172
Speeding 16 - 20 MPH over limit	$1017	$169
Operating a vehicle without permission	$1042	$177
At-fault accident - less than $1000	$1053	$175
In 65 MPH zone	$1053	$179
Speeding in school zone	$1058	$176
Speeding 21 - 25 MPH over limit	$1083	$184
Passing school bus	$1129	$188
Open container	$1170	$199
At-fault accident - $1000-$2000	$1185	$198
At-fault accident - greater than $2000	$1185	$201
Driving with a suspended license	$1430	$238
Reckless driving	$1446	$246
Refusal to submit to a chemical test	$1527	$255
Racing	$1578	$268
DUI	$1599	$267
Leaving scene of an accident/hit and run	$1635	$278

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

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 North Sioux City 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 North Sioux City.

The cheapest car insurance premiums in North Sioux City are offered by American Family at $138 for a six-month policy. However, it can be as expensive as $1446 with companies like Farmers.

North Sioux City car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
Western National	$153	$26
Progressive	$542	$91
Farmers Mutual of Nebraska	$679	$114
State Farm	$679	$114
USAA	$1195	$201
Auto-Owners	$1282	$216
Allstate	$1364	$232
Nationwide	$2238	$377
Farm Bureau	$3275	$556
North Star Mutual	$3908	$651
Farmers	$1446	$241

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 North Sioux City are offered by American Family at $138. However, it can be as expensive as $1512 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in North Sioux City after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$138	$23
Kemper	$143	$24
Western National	$153	$26
Auto-Owners Insurance Co	$158	$27
Farmers Mutual of Nebraska	$235	$40
Progressive	$316	$53
State Farm	$316	$53
North Star Mutual	$403	$69
USAA	$501	$83
Auto-Owners	$914	$156
Farm Bureau	$1001	$167
Nationwide	$1216	$206
Farmers	$1512	$252

Car Insurance Price Trends in North Sioux City, South Dakota

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

The average cost of full coverage in the North Sioux City rose by $145 in January compared to $143 of December. In other words, there has been an increase by $2 when you compare January and December.

The average cost of liability insurance in the North Sioux City remained steady at $26 in both January and December, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in North Sioux City?

The car insurance in North Sioux City is $15 per month, which is lower than the national average.

What is the cheapest car insurance in North Sioux City?

The cheapest car insurance in North Sioux City is $43 per month for full coverage.

How much is car insurance in North Sioux City 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 North Sioux City?

The average cost of car insurance is $954 for a six-month policy. It will cost around $138 per month to insure your car in North Sioux City.

Is car insurance expensive in North Sioux City?

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

What is the best car insurance in North Sioux City, SD?

The best car insurance company in North Sioux City SD is American Family, offering $261 for a six-month policy.