Compare Sidney, IA Car Insurance Rates (2021)

Car insurance in Sidney, IA averages $267 a month. Sidney, Iowa car insurance requirements are 20/40/15, but you might need full coverage insurance if your car is financed. To find cheap Sidney car insurance rates, compare quotes from the top car insurance companies in Sidney, IA.

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A former insurance producer, Laura understands that education is key when it comes to buying insurance. She has happily dedicated many hours to helping her clients understand how the insurance marketplace works so they can find the best car, home, and life insurance products for their needs.

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Sidney is USAA
  • Average car insurance rates in Sidney, IA are $3,202/year
  • Average car insurance rates in Sidney, IA after a DUI are $3,848/year

If you need to buy Sidney, Iowa car insurance, the options can be confusing. Everything you need to know about car insurance in Sidney, IA is right here.

You’ll find Sidney car insurance rates, the cheapest Sidney, IA car insurance companies, and information on Iowa car insurance laws. You can also compare Sidney, Iowa car insurance rates to Waterloo car insurance rates, Cedar Rapids car insurance rates, and Council Bluffs car insurance rates.

Ready to find affordable Sidney, IA car insurance today? Enter your ZIP code for fast, free Sidney car insurance quotes.

Cheapest Sidney, IA Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Sidney, IA car insurance rates? Every Sidney, Iowa car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car Insurance Rates by Age, Gender, and Marital Status in Sidney, Iowa

Insurance Company Married 35-Year-Old Female Married 35-Year-Old Male Married 60-Year-Old Female Married 60-Year-Old Male Single 17-Year-Old Female Single 17-Year-Old Male Single 25-Year-Old Female Single 25-Year-Old Male
Allstate $2,160 $2,072 $1,919 $1,954 $6,293 $7,087 $2,351 $2,417
American Family $2,294 $2,294 $2,044 $2,044 $6,011 $8,510 $2,294 $2,774
Farmers $1,595 $1,625 $1,428 $1,560 $4,821 $5,140 $2,159 $2,309
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,203 $2,393 $1,928 $2,341 $10,488 $11,802 $2,497 $2,760
Nationwide $1,831 $1,885 $1,629 $1,745 $4,135 $5,378 $2,064 $2,252
Progressive $2,174 $2,122 $1,792 $1,849 $4,849 $5,500 $2,621 $2,821
State Farm $1,604 $1,604 $1,394 $1,394 $4,145 $5,279 $1,798 $2,040
Travelers $2,734 $2,792 $2,649 $2,653 $11,841 $18,771 $2,840 $3,385
USAA $1,284 $1,308 $1,170 $1,207 $3,336 $3,568 $1,549 $1,717

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Minimum Car Insurance in Sidney, IA

Every driver must carry the minimum car insurance in Sidney, IA. Take a look at the Iowa car insurance requirements.

Minimum Required Car Insurance Coverage in Sidney, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

Cheapest Sidney, IA Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Sidney, IA. Compare credit history car insurance rates in Sidney from top companies for good, fair, and poor credit.

Annual Car Insurance Rates by Credit Score in Sidney, Iowa

Insurance Company Poor Fair Good
Allstate $3,928 $3,118 $2,800
American Family $4,511 $3,312 $2,775
Farmers $2,960 $2,455 $2,325
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,505 $4,001 $3,149
Nationwide $3,185 $2,482 $2,178
Progressive $3,542 $2,820 $2,536
State Farm $3,429 $2,120 $1,672
Travelers $6,715 $5,718 $5,442
USAA $2,498 $1,705 $1,473

Cheapest Sidney, IA Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Sidney, IA to rates for a clean record with top companies.

Annual Sidney, Iowa Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,786 $3,380 $3,842 $3,118
American Family $2,553 $3,715 $4,858 $3,005
Farmers $2,198 $2,727 $2,768 $2,627
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,934 $4,858 $4,964 $4,450
Nationwide $1,882 $2,720 $3,723 $2,135
Progressive $2,397 $3,864 $2,597 $3,006
State Farm $2,241 $2,573 $2,407 $2,407
Travelers $4,346 $5,781 $7,743 $5,964
USAA $1,452 $1,935 $2,518 $1,664

Cheapest Sidney, IA Car Insurance for Teen Drivers

Teen car insurance in Sidney, IA can be expensive. Take a look at rates from the top car insurance companies in Sidney for teenagers.

Annual Car Insurance Rates for Teen Drivers in Sidney, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,293 $7,087
American Family $6,011 $8,510
Farmers $4,821 $5,140
GEICO $4,142 $3,866
Liberty Mutual $10,488 $11,802
Nationwide $4,135 $5,378
Progressive $4,849 $5,500
State Farm $4,145 $5,279
Travelers $11,841 $18,771
USAA $3,336 $3,568

Cheapest Sidney, IA Car Insurance for Seniors

Take a look at Sidney, IA senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car Insurance Rates for Senior Drivers in Sidney, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,919 $1,954
American Family $2,044 $2,044
Farmers $1,428 $1,560
GEICO $1,620 $1,483
Liberty Mutual $1,928 $2,341
Nationwide $1,629 $1,745
Progressive $1,792 $1,849
State Farm $1,394 $1,394
Travelers $2,649 $2,653
USAA $1,170 $1,207

Cheapest Sidney, IA Car Insurance Rates After a DUI

A DUI in Sidney, IA increases car insurance rates. Compare Sidney, Iowa DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Sidney, Iowa

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $3,842
American Family $4,858
Farmers $2,768
GEICO $3,058
Liberty Mutual $4,964
Nationwide $3,723
Progressive $2,597
State Farm $2,407
Travelers $7,743
USAA $2,518

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Cheapest Sidney, IA Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Sidney, IA by commute? Take a look at a comparison of the top companies by commute length.

Annual Car Insurance Rates by Commute Length in Sidney, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,203 $3,360
American Family $3,491 $3,575
Farmers $2,580 $2,580
GEICO $2,195 $2,285
Liberty Mutual $4,552 $4,552
Nationwide $2,615 $2,615
Progressive $2,966 $2,966
State Farm $2,350 $2,465
Travelers $5,958 $5,958
USAA $1,823 $1,962

The Best Cheap Car Insurance Companies in Sidney, IA

Take a look at a side-by-side comparison of the top car insurance companies in Sidney, IA to find the best option for your needs.

Average Annual Car Insurance Rates by Company in Sidney, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,533
Farmers $2,580
GEICO $2,240
Liberty Mutual $4,552
Nationwide $2,615
Progressive $2,966
State Farm $2,407
Travelers $5,958
USAA $1,892

Category Winners: Cheapest Car Insurance in Sidney, Iowa

Find the cheapest car insurance companies in Sidney, IA for each category right here.

Best Annual Car Insurance Rates by Company in Sidney, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI State Farm
With 1 Speeding Violation USAA

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Cheapest Sidney, IA Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Sidney car insurance rates. Find the cheapest Sidney, IA car insurance rates by coverage level.

Annual Car Insurance Rates by Coverage Level in Sidney, Iowa

Insurance Company Low Medium High
Allstate $3,144 $3,286 $3,415
American Family $3,572 $3,728 $3,299
Farmers $2,470 $2,588 $2,682
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,382 $4,544 $4,728
Nationwide $2,736 $2,598 $2,511
Progressive $2,809 $2,973 $3,117
State Farm $2,306 $2,419 $2,496
Travelers $5,628 $6,047 $6,199
USAA $1,802 $1,898 $1,977

What affects car insurance rates in Sidney, Iowa?

What factors can have an impact on Sidney, IA car insurance? There are several reasons why Sidney car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Sidney, Iowa.

Commute Time in Sidney

The more time you spend in your car the higher the risk of an accident. The average commute length in Sidney, IA is 19.9 minutes according to City-Data.

Compare Car Insurance Quotes in Sidney, IA

Ready to find affordable Sidney, Iowa car insurance today? Enter your ZIP code for fast, free Sidney, IA car insurance quotes.

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