Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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Melanie Musson is the fourth generation in her family to work in the insurance industry. She grew up with insurance talk as part of her everyday conversation and has studied to gain an in-depth knowledge of state-specific insurance laws and dynamics as well as a broad understanding of how insurance fits into every person’s life, from budgets to coverage levels. Through her years working in th...

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Reviewed by Melanie Musson
Published Insurance Expert Melanie Musson

UPDATED: Apr 14, 2022

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Just What's Essential

  • Average car insurance rates in Moorhead, MN for senior drivers are $2,713/year
  • Average car insurance rates in Moorhead, MN are $342/month
  • The cheapest car insurance company in Moorhead for teen drivers is State Farm

Average car insurance rates in Moorhead, Minnesota are $342 a month. But with a little research you can get a great deal from the top car insurance companies in Moorhead, MN. Before you buy Moorhead, Minnesota car insurance, make sure your coverage meets or exceeds the Minnesota minimum of 30/60/10.

It may even be helpful to compare Moorhead car insurance rates with Woodbury car insurance rates, Rochester car insurance rates, or Duluth car insurance rates to make sure you’re getting the best Moorhead, MN car insurance quotes available.

Need affordable Moorhead, MN car insurance? Enter your ZIP code to compare Moorhead car insurance quotes from multiple car insurance companies near you.

Moorhead, MN Minimum Car Insurance Coverage

Moorhead, Minnesota law requires drivers carry a minimum of 30/60/10 coverage. Take a look at the breakdown of the minimums here.

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

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Moorhead, MN Car Insurance Rates by Coverage Level

Some Moorhead drivers can get by with the Minnesota minimum coverage of 30/60/10. Other drivers may need more. See how much your Moorhead, Minnesota car insurance rates may be based on the coverage you need.

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

Moorhead, MN Car Insurance Rates by Age, Gender, and Marital Status

Moorhead, Minnesota car insurance rates are based on many criteria. Three of these are age, gender, and marital status. Before you buy Moorhead, MN car insurance, get quotes from multiple car insurance companies in the Moorhead area and see how these criteria affect your 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

Moorhead, MN Car Insurance Rates for Teens

How much is Moorhead, Minnesota car insurance for teens? Compare rates from top Moorhead car insurance companies below to help find the cheapest teen car insurance in Moorhead, MN.

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

Moorhead, MN Car Insurance Rates for Seniors

Before seniors buy Moorhead, Minnesota car insurance, they should make sure to shop around. Some Moorhead, MN car insurance companies may offer discounts or other savings options for senior car insurance.

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

Moorhead, MN Car Insurance Rates by Credit History

How does your credit history affect Moorhead, MN car insurance rates? Review the numbers here to find out.

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

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Moorhead, MN Car Insurance Rates by Driver History

How does a single speeding ticket affect your Moorhead, Minnesota car insurance? What about a traffic accident? See the impact your driving history may have on car insurance rates in Moorhead.

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

Moorhead, MN Car Insurance Rates With a DUI

Even a single DUI can increase your Moorhead, MN car insurance rates. Compare rates below to see which Moorhead car insurance company has the best rates for drivers with a DUI.

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

Moorhead, MN Car Insurance Rates by ZIP Code

Just like Moorhead car insurance rates may vary from other cities nearby, rates can also vary within a city. Let’s take a look at how Moorhead, MN car insurance rates fluctuate by ZIP code.

Annual Car Insurance Rates by ZIP Code in Moorhead, Minnesota

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

Moorhead, MN Car Insurance Rates by Commute

The more time you spend on your daily commute, the higher your Moorhead, MN car insurance rates may be. Let’s take a look at average car insurance rates from top Moorhead companies based on commute time.

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

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Moorhead, MN Cheapest Car Insurance Rates

How do the top Moorhead, Minnesota car insurance companies’ average rates stack up against the Moorhead average monthly car insurance rates of $342? Take a look and see.

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

Moorhead, MN Top Car Insurance Companies

Car insurance is a competitive market. Here’s a look at the top Moorhead, Minnesota car insurance companies to help you find one that best fits 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

Other Factors Affecting Moorhead, MN Car Insurance Rates

Before you buy Moorhead, Minnesota car insurance, make sure you know what else car insurance companies take into account when calculating car insurance rates.

Moorhead, MN Commute Time

How does your Moorhead, MN commute time compare with the average driver? In Moorhead, the average commute is 18.0 minutes.

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Moorhead, MN Car Insurance Quotes

Compare Moorhead, MN car insurance quotes from multiple companies by entering your ZIP code now.