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Get Cheap Car Insurance in Fergus Falls, MN
We monitor insurance prices, helping the average driver in Fergus Falls save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Fergus Falls
The chart below shows the cheapest car insurance company in Fergus Falls for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Auto-Owners Insurance, Kemper, and American Family Insurance.
| Fergus Falls Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Auto-Owners Insurance | $55 |
| Kemper | $58 |
| American Family Insurance | $58 |
Savings for Every Kind of Fergus Falls Driver
Based on our extensive insurance data, we know the average Fergus Falls driver will save about 27% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $418 per year by choosing the right vehicle insurance company. Some Fergus Falls residents are paying out over $1,553 extra every year for auto insurance in Fergus Falls. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fergus Falls, MN Savings / Yr. |
|---|---|
$418 |
|
$526 |
|
$338 |
|
$687 |
|
$1,179 |
|
$349 |
|
$918 |
Fergus Falls Car Insurance vs. Minnesota
People living in Fergus Falls pay an average of 3.31% less than the typical driver in the state. The average driver in Fergus Falls can expect to pay about $803 per year, or $1,553 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Fergus Falls for most people.
Car Insurance Prices by Fergus Falls Neighborhood
Insurance Prices
Where is insurance cheapest within Fergus Falls?
The map shows insurance prices in and around Fergus Falls, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $83 per year within the city boundaries, with insurance premiums ranging from a high of $1,601 to a low of $1,518. Insurance prices tend to be higher for those living in the Southwest area, and lower for those with homes in the Northwest parts of Fergus Falls.Pick the Best Car Insurance Company for You in Fergus Falls
The best car insurance provider for most drivers in Fergus Falls
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $418 over the average Fergus Falls car insurance company.
The best car insurance provider for Fergus Falls drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $526 over the competition.
The best car insurance company for Fergus Falls drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $338 better than other car insurance companies.
The best auto insurance for Fergus Falls drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $687 less each year.
The least expensive car insurance company for new and young drivers in Fergus Falls
In Fergus Falls, State Farm costs young drivers $1,179 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fergus Falls
State Farm gave the largest car insurance discounts to married couples, averaging $349 saved each year compared to an average Fergus Falls couple's premiums.
The cheapest car insurance in Fergus Falls for drivers with bad credit
The best Fergus Falls car insurance company for customer service
Nationwide was the best company for customer service in Fergus Falls according to the NAIC.
Recent price drops
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The cheapest large national provider in Fergus Falls
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Fergus Falls driver can expect to pay about $116 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Fergus Falls, USAA has the best prices for young drivers, drivers with accidents, married couples, good drivers, drivers with speeding tickets, drivers with a DUI conviction, and drivers with bad credit.Auto Insurance Prices in and Around Fergus Falls
What Influences the Cost of Car Insurance in Fergus Falls?
On average, car insurance in Fergus Falls is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the city are influenced by the following factors:
- The average commute time in Fergus Falls is 19 minutes, which is far less than average for a driver in the state.
- Minnesota state insurance regulations may require higher prices.
- An average of 0 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Fergus Falls are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Fergus Falls is a fairly densely populated area in the state. The city’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Fergus Falls is $67 per month for minimum coverage and $129 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Cities
- Elizabeth: Insurance costs 0.64% less
- Underwood: Insurance costs 1.16% more
- Dalton: Insurance costs 0.52% more
- Foxhome: Insurance costs 0.90% less
- Phelps: Insurance costs 2.12% more
- Erhard: Insurance costs 1.87% more
- Wendell: Insurance costs 1.48% more
- Everdell: Insurance costs 0.45% less
- Battle Lake: Insurance costs 1.42% more
- Ashby: Insurance costs 1.29% more
Cities with Similar Populations
- Larchmont: Insurance costs 71.28% more
- Morton: Insurance costs 10.17% less
- Lewistown: Insurance costs 18.54% less
- Lewisburg: Insurance costs 11.53% less
- Lewisburg: Insurance costs 17.00% less
- Lemay: Insurance costs 27.69% more
- Lehighton: Insurance costs 10.11% less
- Lawrenceburg: Insurance costs 22.02% less
- Laurens: Insurance costs 5.99% more
- Pembroke: Insurance costs 6.18% more