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Home Insurance in 51111

Our rates are very competitive for homeowners living in the 51111 zip code. Many homeowners based out of Sioux City, IA have found it very easy to shop with GetHomeInsuranceQuotes.com. For example, we clearly showcase the carriers that we will shop for you. Plus, our home insurance quotes are free and our IA licensed agents can provide a free consultation service to you that allows you to ask questions about the rates and coverage options. To start a free home insurance quote, simply click the "Get Multiple Quotes Now" button. Your 51111 should appear in the zip code field ready to go.

51111 Average Home Insurance Rates

Are you looking for a standard HO-3 homeowners policy for your single family home in the Sioux City area? The average homeowners premium in 51111 is medium in comparison to other states. For example, the national average is $1,249 per year for home insurance coverage for a basic home insurance policy. For homeowners living in the 51111, you can expect to pay around $952 per year for homeowners coverage. If you want to see which company has the best rates and coverage options, than easily compare rates with us. You can review each premium and we can help explain any question that you may have about different types of coverages and what is best for you and your family.

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Get Home Insurance Quotes in 51111

We can shop up to 12 home insurance quotes for you easily online. You can find out more by exploring one of the three links below to review average homeowners insurance rates in the great state of Iowa. Start your 51111 home insurance shopping today!

  1. Sioux City, IA Home Insurance Quotes

51111 Home Insurance Average Premiums

Local 51111 homeowners insurance quotes comparison

$702 /yr.

Shows Zip Code: 51111 lowest rates with discounts applied on average.

For the 51111, homeowners insurance rates may vary on deductible, coverage amount and property details. Below is a list of the averages based on the cost of an annual home insurance premium.

Coverage Amount:Annual Premium
1800 sq. ft. or below
(discounts applied)		$702 /yr.
Average Coverage:$952 /yr.
2600 sq. ft. or higher
(all discounts applied)		$1252 /yr.

What is the average home insurance cost for a home in 51111?

  • • The average homeowners insurance premium paid annually for a home in 51111 is around $952 per year.

What does it cost on average per month for home insurance in 51111?

  • • Homeowners in 51111 pay a monthly average cost per month around $79.00.

What kind of discount could I get if I combine my home and auto insurance together in 51111?

  • • Autoowners in 51111 can receive a 20% to 25% discount if they own a home and would like to group or bundle their car and home insurance together with one insurance company.

You can easily shop and compare home insurance rates within Sioux City, check out other zip codes nearby 51111.
To review average rates in another zip code, click on a zip code below:
51103  |  51101  |  51104  |  51109  |  51108  |  51105  |  51106  | 

Home Replacement Cost Coverage in 51111

Average Building Cost Per Square Foot in 51111: $130

Location: Sioux City, Iowa (Woodbury County)

Average Square Footage in 51111: 1,269 Sq. Ft.

When building or updating a home, it's always good to review the average cost per square foot to build in 51111 before you start any project. Sioux City homeowners pay on average around $130 per square foot to build a home. Another great reason to know the average cost to build is for your homeowners insurance policy. A standard homeowners policy will help you cover the replacement cost of your home due a fire or any other named perils on your policy. Calculating your dwelling coverage for your home in 51111 is extremely helpful when estimating how much replacement cost coverage you need. We highly recommend that you have enough dwelling coverage to rebuild your home if it was destroyed by a covered peril.

Here is how you determine your replacement cost. If we take an average home in 51111 and want to estimated the dwelling coverage, than we will need the square footage of the home which is 1,269 sq. ft. and the average cost to rebuild the home in this area is around $130 per square foot would be considered a base estimate cost. These two numbers would allow us to generate the replacement cost needed for an average size home in the Sioux City area. If the home is new or has been upgraded, you will want to add $50 to $100 or more per square foot to equally cover the replacement cost to restore a home back to it's original condition.

Home Improvement StatusPrice per Sq. Ft.Square FeetDwelling Coverage
Basic Home Features$1301,269$165,000
Additional Upgrades & Added Features$1631,269$206,250
Major Home Updates or Advancements$1951,269$247,500

It's important to understand that when you estimate your replacement cost of your home in the 51111 zip code area, it will be the cost to replace the structure of your home, not the additional value of the property that is factored in when purchasing a new home.

Best Homeowners Insurance Agencies in 51111

Best Home & Auto Insurance Agencies in 51111

Housing Demographics for 51111

Population Review for 51111 Zip Code

For the city of Sioux City, the population within 51111 has increased to over 92 residents in population size. The current population total is 97. We have broken down the population based on race below. In 51111, there are over 42 in male population and 55 females.

PopulationValues
Total Population97
White Population66
Black Population7
Hispanic Population19
Asian Population6
Hawaiian Population0
Indian Population3
Other Population8
Male Population42
Female Population55
Population Estimate92

Household Data for 51111

The average number of homes in 51111 is around 44, there are an average of 2.20 per household. The average house value according to local real estate values is around $165,000. Please review the following demographics below for average income and media age.

Housing / Income DataValues
Households Per Zipcode44
Persons Per Household2.20
Average House Value$165,000
Income Per Household$41974
Median Age27.7
Median Age Male23.0
Median Age Female33.5
51111 DetailsValues
StateIA
State Full NameIowa
City TypeP
City Alias Abbreviation
Area Code712
CitySioux City
City Alias NameSIOUX CITY
CountyWoodbury
County FIPS193
State FIPS19
Time Zone6
Day Light SavingY
MSA7720
PMSA
CSA512
CBSA43580
CBSA_DIV
CBSA_TypeMetro
CBSA_NameSioux City, IA-NE-SD
MSA_NameSioux City, IA-NE MSA
PMSA_Name
RegionMidwest
DivisionWest North Central
MailingNameY
Economic & Growth ReviewValues
Number Of Businesses94
Number Of Employees6148
Business First Quarter Payroll69720
Business Annual Payroll300571
Business Employment Flag
Growth Rank0
Growth Housing Units 2003
Growth Housing Units 2004
Growth Increase Number0
Growth Increase Percentage0.0
Metropolitan DetailsValues
CBSA Population143577
CBSA Division Population0
Congressional District04
Congressional LandArea22756.75
Delivery Residential42
Delivery Business101
Delivery Total301
Preferred Last Line KeyW11437
Classification Code
Multi-County
CSA NameSioux City-Le Mars, IA-NE-SD
CBSA_DIV_Name
City State KeyW11437
Land Area6.063000
Water Area0.237000
City Alias Code
City Mixed CaseSioux City
City Alias Mixed CaseSioux City
Box Count0
SFDU7
MFDU0
State ANSI19
County ANSI193
ZIP Intro
Alias Intro
Facility CodeP
City Delivery IndicatorY
Carrier Route Rate SortationD
Finance Number188325
Unique ZIP Name
SSA State County Code16960
Medicare CBSA Code43580
Medicare CBSA NameSioux City, IA-NE-SD
Medicare CBSA TypeMetro
Market Rating Area ID3
County Mixed CaseWoodbury

Iowa Homeowners Insurance News & Information

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    According to a recent report by The Zebra, the average homeowner is paying roughly $3,000 a year for homeowners insurance. Unfortunately, this is just the nationwide average, in many states premiums are dramatically higher for most homeowners.  According to the Zebra report, the most expensive states for homeowners insurance are: Nebraska: $7,920 Oklahoma: $7,426 Kansas: […]

  • Homeowner’s Insurance Premiums Skyrocket: Forcing Homeowners to Consider Moving Posted on Thursday 11th September, 2025

    While states like Florida, California and Louisiana have seen climbing insurance costs for years due to severe weather, flooding and hurricanes, other states, Colorado and Illinois are good examples, are seeing climbing rates as well due to hailstorms and wildfires.  As homeowner’s insurance premiums skyrocket, for some policyholders, the math no longer makes sense forcing […]

  • New Report Reveals Reasons Why Home Insurance Prices Increase Posted on Monday 8th September, 2025

    Owning a home is becoming harder to afford for many Americans, in many cases due to the high cost of homeowners insurance. A recent report found that energy companies are responsible for a large amount of the pollution that is leading to climate change and more extreme weather, wildfires and flooding.  A report recently released […]