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Get Cheap Car Insurance in Moorhead, MN
We monitor insurance prices, helping the average driver in Moorhead save up to 30.5% on car insurance.
The Cheapest Minimum Coverage in Moorhead
The chart below shows the cheapest car insurance company in Moorhead 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.
| Moorhead Insurer | Monthly Cost |
|---|---|
| State Farm | $49 |
| Auto-Owners Insurance | $54 |
| Kemper | $57 |
| American Family Insurance | $57 |
Savings for Every Kind of Moorhead Driver
Based on our extensive insurance data, we know the average Moorhead 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 $412 per year by choosing the right vehicle insurance company. Some Moorhead residents are paying out over $1,532 extra every year for auto insurance in Moorhead. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Moorhead, MN Savings / Yr. |
|---|---|
$412 |
|
$519 |
|
$334 |
|
$678 |
|
$1,163 |
|
$344 |
|
$905 |
Moorhead Car Insurance vs. Minnesota
People living in Moorhead pay an average of 4.59% less than the typical driver in the state. The average driver in Moorhead can expect to pay about $793 per year, or $1,532 for full coverage.
Based on our analysis, Farm Bureau will be the cheapest provider in Moorhead for most people.
Car Insurance Prices by Moorhead Neighborhood
Insurance Prices
Where is insurance cheapest within Moorhead?
The map shows insurance prices in and around Moorhead, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $162 per year within the city boundaries, with insurance premiums ranging from a high of $1,634 to a low of $1,472. Insurance prices tend to be higher for those living in the Southeast area, and lower for those with homes in the South parts of Moorhead.Pick the Best Car Insurance Company for You in Moorhead
The best car insurance provider for most drivers in Moorhead
For drivers with clean driving records and no major strikes, Farm Bureau is the best option, with annual savings of $412 over the average Moorhead car insurance company.
The best car insurance provider for Moorhead 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 $519 over the competition.
The best car insurance company for Moorhead drivers with speeding tickets
>Nationwide gave the average person with a speeding ticket the most savings, averaging $334 better than other car insurance companies.
The best auto insurance for Moorhead drivers with a DUI conviction
Getting a quote from State Farm may cost the average person with a DUI about $678 less each year.
The least expensive car insurance company for new and young drivers in Moorhead
In Moorhead, State Farm costs young drivers $1,163 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Moorhead
State Farm gave the largest car insurance discounts to married couples, averaging $344 saved each year compared to an average Moorhead couple's premiums.
The cheapest car insurance in Moorhead for drivers with bad credit
The best Moorhead car insurance company for customer service
Recent price drops
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The cheapest large national provider in Moorhead
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Moorhead 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 Moorhead, 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 Moorhead
What Influences the Cost of Car Insurance in Moorhead?
On average, car insurance in Moorhead 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 Moorhead is 22 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 Moorhead are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of C according to CrimeGrade.org.
- Moorhead is a lightly populated area in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Moorhead is $66 per month for minimum coverage and $128 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
- Dilworth: Insurance costs 1.37% more
- Fargo: Insurance costs 12.73% less
- Prairie Rose: Insurance costs 13.25% less
- Frontier: Insurance costs 17.36% less
- West Fargo: Insurance costs 15.86% less
- Reiles Acres: Insurance costs 11.68% less
- Sabin: Insurance costs 0.52% less
- North River: Insurance costs 11.75% less
- Wild Rice: Insurance costs 14.69% less
- Glyndon: Insurance costs 0.98% more
Cities with Similar Populations
- West Seneca: Insurance costs 49.41% more
- Post Falls: Insurance costs 27.09% less
- Arlington: Insurance costs 3.59% less
- Prairieville: Insurance costs 114.43% more
- Seguin: Insurance costs 8.36% more
- Thomasville: Insurance costs 19.32% less
- University: Insurance costs 106.40% more
- Gadsden: Insurance costs 3.72% more
- Valrico: Insurance costs 85.57% more
- Waxhaw: Insurance costs 16.32% less