Compare Moorhead, MN Car Insurance Rates (2021)

Car insurance in Moorhead, MN averages $342 a month. Moorhead, Minnesota car insurance requirements are 30/60/10, but you might need full coverage insurance if your car is financed. To find cheap Moorhead car insurance rates, compare quotes from the top car insurance companies in Moorhead, MN.

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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® Joel Ohman

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • Average car insurance rates in Moorhead, MN are $4,108/year
  • The cheapest car insurance company in Moorhead for teen drivers is State Farm
  • Average car insurance rates in Moorhead, MN after a DUI are $5,562/year

If you need to buy Moorhead, Minnesota car insurance, the options can be confusing. Everything you need to know about car insurance in Moorhead, MN is right here.

You’ll find Moorhead car insurance rates, the cheapest Moorhead, MN car insurance companies, and information on Minnesota car insurance laws. You can also compare Moorhead, Minnesota car insurance rates to Plymouth car insurance rates, Duluth car insurance rates, and Maple Grove car insurance rates.

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

Cheapest Moorhead, MN Car Insurance Rates By Age, Gender, and Marital Status

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

Annual Car Insurance Rates by Age, Gender, and Marital Status in Moorhead, Minnesota

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 $2,881 $2,881 $2,758 $2,758 $6,537 $9,541 $3,495 $3,694
American Family $1,959 $1,959 $1,777 $1,777 $5,302 $7,684 $1,959 $2,211
Farmers $1,976 $1,975 $1,902 $2,014 $5,538 $5,602 $2,591 $2,502
GEICO $2,451 $2,432 $2,341 $2,275 $5,168 $6,562 $2,297 $2,380
Liberty Mutual $8,630 $8,630 $8,545 $8,545 $17,010 $25,539 $8,630 $12,027
Nationwide $1,567 $1,570 $1,402 $1,482 $4,016 $4,853 $1,841 $1,912
State Farm $1,405 $1,405 $1,260 $1,260 $3,130 $3,885 $1,641 $1,337
USAA $1,826 $1,812 $1,662 $1,657 $4,929 $5,406 $2,386 $2,536

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Minimum Car Insurance in Moorhead, MN

Every driver must carry the minimum car insurance in Moorhead, MN. Take a look at the Minnesota car insurance requirements.

Minimum Required Car Insurance Coverage in Moorhead, Minnesota

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $30,000 per person
$60,000 per accident
Property Damage Liability Coverage $10,000 minimum

Cheapest Moorhead, MN Car Insurance Rates by Credit Score

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

Annual Car Insurance Rates by Credit Score in Moorhead, Minnesota

Insurance Company Poor Fair Good
Allstate $6,354 $3,425 $3,175
American Family $4,165 $2,804 $2,267
Farmers $3,770 $2,723 $2,545
GEICO $3,888 $3,179 $2,648
Liberty Mutual $17,002 $10,994 $8,589
Nationwide $2,762 $2,240 $1,990
State Farm $2,792 $1,708 $1,246
USAA $4,361 $2,122 $1,847

Cheapest Moorhead, MN 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 Moorhead, MN to rates for a clean record with top companies.

Annual Moorhead, Minnesota Car Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,178 $4,549 $5,429 $4,117
American Family $2,054 $3,788 $4,144 $2,328
Farmers $2,589 $3,239 $3,276 $2,947
GEICO $2,150 $3,417 $5,082 $2,304
Liberty Mutual $8,962 $12,276 $17,875 $9,667
Nationwide $1,866 $2,452 $2,806 $2,198
State Farm $1,754 $2,077 $1,915 $1,915
USAA $2,060 $2,629 $3,966 $2,452

Cheapest Moorhead, MN Car Insurance for Teen Drivers

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

Annual Car Insurance Rates for Teen Drivers in Moorhead, Minnesota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,537 $9,541
American Family $5,302 $7,684
Farmers $5,538 $5,602
GEICO $5,168 $6,562
Liberty Mutual $17,010 $25,539
Nationwide $4,016 $4,853
State Farm $3,130 $3,885
USAA $4,929 $5,406

Cheapest Moorhead, MN Car Insurance for Seniors

Take a look at Moorhead, MN 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 Moorhead, Minnesota

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,758 $2,758
American Family $1,777 $1,777
Farmers $1,902 $2,014
GEICO $2,341 $2,275
Liberty Mutual $8,545 $8,545
Nationwide $1,402 $1,482
State Farm $1,260 $1,260
USAA $1,662 $1,657

Cheapest Moorhead, MN Car Insurance Rates After a DUI

A DUI in Moorhead, MN increases car insurance rates. Compare Moorhead, Minnesota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Moorhead, Minnesota

Insurance Company Annual Car Insurance Rates With a DUI
Allstate $5,429
American Family $4,144
Farmers $3,276
GEICO $5,082
Liberty Mutual $17,875
Nationwide $2,806
State Farm $1,915
USAA $3,966

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Cheapest Moorhead, MN Car Insurance Rates by Commute Length

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

Annual Car Insurance Rates by Commute Length in Moorhead, Minnesota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $4,318 $4,318
American Family $3,043 $3,114
Farmers $3,013 $3,013
GEICO $3,195 $3,281
Liberty Mutual $11,836 $12,553
Nationwide $2,331 $2,331
State Farm $1,864 $1,967
USAA $2,741 $2,813

Cheapest Moorhead, MN Car Insurance Rates by ZIP Code

Moorhead car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Moorhead, MN.

Annual Car Insurance Rates by ZIP Code in Moorhead, Minnesota

ZIP Code Average Annual Rates
56560 $3,097
56562 $3,093
56563 $3,201

The Best Cheap Car Insurance Companies in Moorhead, MN

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

Average Annual Car Insurance Rates by Company in Moorhead, Minnesota

Insurance Company Average Annual Rates
Allstate $4,318
American Family $3,078
Farmers $3,013
GEICO $3,238
Liberty Mutual $12,195
Nationwide $2,331
State Farm $1,915
USAA $2,777

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Category Winners: Cheapest Car Insurance in Moorhead, Minnesota

Find the cheapest car insurance companies in Moorhead, MN for each category right here.

Best Annual Car Insurance Rates by Company in Moorhead, Minnesota

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

Cheapest Moorhead, MN Car Insurance Rates by Coverage Level

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

Annual Car Insurance Rates by Coverage Level in Moorhead, Minnesota

Insurance Company Low Medium High
Allstate $4,263 $4,315 $4,377
American Family $3,067 $3,163 $3,006
Farmers $2,900 $3,025 $3,113
GEICO $3,147 $3,240 $3,328
Liberty Mutual $11,921 $12,203 $12,461
Nationwide $2,191 $2,351 $2,450
State Farm $1,835 $1,922 $1,989
USAA $2,700 $2,775 $2,855

What affects car insurance rates in Moorhead, Minnesota?

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

Commute Time in Moorhead

The more time you spend in your car the higher the risk of an accident. The average commute length in Moorhead, MN is 18.0 minutes according to City-Data.

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Compare Car Insurance Quotes in Moorhead, MN

Ready to find affordable Moorhead, Minnesota car insurance today? Enter your ZIP code for fast, free Moorhead, MN car insurance quotes.

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