Expertise.com

2024

Last updated:

Best Local Car Insurance Agencies in Sioux City

Our Recommended Top 12

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Sioux City Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

58Reviewed

39Curated

12Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

5406 Morningside Avenue, Sioux City, IA 51106
WebsiteLicense: 6852671

Expertise.com Rating

Review Sources

Google
4.9 (35)

Why choose this provider?

For over 11 years, Dawn Bratvold has been a Farmers Insurance agent who offers auto insurance products and services to individuals and businesses in Sioux City and the nearby areas in Dakota Dunes. She helps clients in understanding and choosing the specific coverages that they need to protect their vehicles and assets. These coverages may include collision, comprehensive, liability, personal injury protection, and rental car reimbursement. Bratvold also offers life, home, and business insurance.

  • Bundling Option

908 Pierce Street, Sioux City, IA 51101
WebsiteLicense: 278388

Expertise.com Rating

Review Sources

Google
3.7 (3)
Facebook
5.0 (2)

Why choose this provider?

For more than 55 years, McClintock Insurance Inc. has been offering auto insurance policies in Sioux City. It provides various policy coverages, including bodily injury liability, property damage liability, personal injury protection, underinsured or uninsured motorist coverage, and roadside assistance. The company's insurance specialists, who have a deep understanding of the insurance market, can shop for insurance policies from a number of carriers and present clients with multiple insurance quotes. McClintock Insurance Inc. is licensed in eight different states.

  • Bundling Option

5308 Morningside Avenue, Sioux City, IA 51106
WebsiteLicense: 6888260

Expertise.com Rating

Review Sources

Google
5.0 (4)

Why choose this provider?

Archer Insurance Agency is an independent agency based in Sioux City that has been offering auto insurance services to individuals and businesses since 2013. It works with multiple carriers such as AAA, Travelers, and Progressive Insurance. The owner, Michael S. Archer, has been an insurance agent since 2000 and has worked with Allstate Insurance. The company's auto insurance plans protect individuals against financial losses resulting from an accident. These plans include the collision, comprehensive, liability, and uninsured and underinsured motorist coverages.

  • Multiple Carriers

1524 Pierce Street, Sioux City, IA 51105
WebsiteLicense: 260077

Expertise.com Rating

Why choose this provider?

Angelo James is a Sioux City-based State Farm agent that offers a range of insurance products including auto insurance. James furnishes insurance plans for car owners that may include coverage for damages caused by collision, fire, theft, or vandalism. He can also provide insurance policies that protect car owners who drive for rideshare companies like Lyft and Uber. Recently, James's consistent performance over a 20-year period was recognized by State Farm, and he received a Crystal of Excellence award.

  • Bundling Option

103 Virginia Street, Sioux City, IA 51101
WebsiteLicense: 16887941

Expertise.com Rating

Review Sources

Google
4.4 (39)
Facebook
4.6 (10)

Why choose this provider?

Goodin Insurance Agency, a family-owned insurance business, has been servicing Sioux city since 2007. Its team of seasoned agents ensures that the clients are properly insured, especially when out on the road. The auto policy they offer has a variety of coverage such as liability coverage, comprehensive coverage, collision coverage, medical coverage, as well as roadside assistance. Some of the other products are homeowner, farm, and business insurance. Its specialists also work one-on-one with each client to craft a policy that best suits their needs and budget.

  • Multiple Carriers
  • RV & Motorhome

4708 Morningside Avenue, Sioux City, IA 51106
WebsiteLicense: 7540775

Expertise.com Rating

Review Sources

Google
4.8 (9)
Facebook
5.0 (7)

Why choose this provider?

Heimgartner Insurance Inc. is an independent insurance agency that has been serving Sioux City and nearby localities for more than 15 years. The locally owned company assists individuals, families, and businesses in obtaining sufficient protection for themselves and their vehicles through an auto insurance policy. Its agents educate customers on their coverage options and help them choose the best policy according to their needs and their resources. They also offer insurance packages for recreational vehicles and boats in Nebraska, Iowa, Missouri, South Dakota, and Colorado.

  • Bundling Option

1479 South Main Avenue, Sioux Center, IA 51250
WebsiteLicense: 236426

Expertise.com Rating

Review Sources

Google
5.0 (22)
Facebook
5.0 (5)

Why choose this provider?

Cindy Van Wyhe is an independent State Farm insurance agent that serves clients in Sioux City, Rock Valley, Hull, Ireton, Maurice, and the nearby areas. She has been offering a wide variety of products and services such as insurance for cars, motorcycles, motorhomes, boats, and off-road vehicles. Additionally, she can provide policies for homes, life, and health, and businesses. Wyhe is committed to taking care of her clients by providing outstanding products and services.

  • Multiple Carriers

120 Gaul Drive, Sergeant Bluff, IA 51054

Expertise.com Rating

Review Sources

Facebook
5.0 (8)
Google
5.0 (2)

Why choose this provider?

The Hoffman Agency - Sergeant Bluff Office provides insurance solutions for residents near Sioux City. This independent agency coordinates with reputable insurance providers to help clients prepare for the risks associated with owning a vehicle. Its professional agents can help vehicle owners obtain coverage for property damages and medical expenses resulting from unforeseen accidents. This company also offers multi-peril insurance plans to help entrepreneurs in the agricultural industry protect their assets.

  • Motorcyle & ATV

117 Pierce Street, Sioux City, IA 51101
WebsiteLicense: 267799

Expertise.com Rating

Review Sources

Facebook
5.0 (6)
Google
5.0 (1)

Why choose this provider?

Mills∙Shellhammer∙Puetz & Associates Insurance provides risk management solutions for Sioux City residents and businesses. The company's wide product range includes auto insurance, which provides protection in cases of injury, damage, or loss. Its team offers several coverage options, including collision, liability, and emergency road service coverage. Mills∙Shellhammer∙Puetz & Associates has been in service for over 25 years. The firm's team, whose insurance careers were born out of personal advocacies, utilizes a proactive and personalized approach in serving clients' insurance needs.

  • RV & Motorhome
  • Boats

117 Pierce Street, Sioux City, IA 51101
WebsiteLicense: 7333438

Expertise.com Rating

Review Sources

Google
4.8 (4)

Why choose this provider?

Security Insurance is a locally owned car insurance agency that serves drivers in Sioux City and the surrounding areas. Its team of agents offers automobile insurance plans that have coverage for liabilities, medical payments, personal injuries, and underinsured and uninsured motorists. They also offer additional options for buyers of comprehensive auto insurance, such as labor costs and rental reimbursement. Additionally, insurance programs for classic cars and motorcycles are available at Security Insurance.

  • Motorcyle & ATV

3704 South Westport Avenue, Sioux City, IA 57106
WebsiteLicense: 227772

Expertise.com Rating

Why choose this provider?

Dougherty & Associates, Inc., is an independent insurance agency established in 1995. It delivers auto insurance solutions in Sioux City and five different states. Different types of vehicles can be insured, including family cars, SUVs, motorcycles, luxury cars, and boats. The company also specializes in writing policies for those who use RVs full-time. Dougherty & Associates, Inc., represents a number of "A" rated carriers, allowing its agents to shop for many insurance quotes and give clients the appropriate coverages that suit their current situations and insurance needs.

  • Multiple Carriers

4301 Sergeant Road, Sioux City, IA 51106
WebsiteLicense: 18542289

Expertise.com Rating

Review Sources

Google
4.9 (10)
Facebook
5.0 (4)

Why choose this provider?

Whiskey Creek Insurance is an independent and family-owned agency that serves Sioux City. Its team of seasoned agents specializes in delivering insurance services to families, commercial establishments, and farm businesses. They help the clients choose the best policy for their vehicles including standard cars, company automobiles, and special protection for classic cars. With access to multiple carriers, the agency can easily find the best insurance provider for its clients' specific requirements. Delivering peace of mind to clients is the company's main goal.

  • Bundling Option

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • What is the required minimum liability coverage in Sioux City?

    Iowa requires vehicle owners in Sioux City to obtain liability insurance. As residents of an “at fault” state, Iowa drivers who cause an accident are to take financial responsibility for damages. The minimum thresholds of liability insurance in Sioux City are the following: -$20,000 for bodily injury to or death of one person in a single accident. -$40,000 for bodily injury to or death of two or more persons in a single accident. -$15,000 for property damage in one accident.

  • Will you pay higher auto insurance premiums in Sioux City if you have a bad credit score?

    Insurance companies in Sioux City often look into the vehicle owner’s credit scores to determine the premium rates, and it is believed that having a lower credit score is directly correlated to the likeliness of one to make a claim. So if you have a poor credit standing, you may be given higher insurance rates to pay.

  • Will you go to jail for driving an uninsured car in Sioux City?

    It is unlikely that you will go to jail for driving an uninsured car in Sioux City, but doing so will still result in hefty fines and unpleasant penalties. If you cannot provide proof of insurance in Iowa, you may face a $250 fine, a 12-month license suspension for damages exceeding $1,500, and a vehicle registration suspension. Moreover, your vehicle can be impounded.

  • Will getting the minimum liability insurance in Sioux City be enough to cover your injuries in the event of a car crash?

    The required liability insurance in Sioux City is not meant for the driver or vehicle owner, so if you wish to have some financial protection for your medical costs in the event of an accident, it is a good idea to get supplementary medical payment coverage. This goes towards your (as well as your passenger’s) medical bills or funerary expenses. Medical payment limits usually range from $5,000 to $10,000.

  • Can you use your personal auto insurance policy if you use your car for Uber or Lyft in Sioux City?

    Your personal automobile policy in Sioux City is not in effect when your insured vehicle is being used for commercial purposes, and this includes driving it for Uber, Lyft, or any other transportation network company. Do note that in 2016, Iowa passed legislation in relation to TNCs, requiring them to provide disclosures to their drivers regarding the kinds of insurance coverage they will provide.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.