Cheapest Car Insurance Quotes in Moorhead

Finding the cheapest car insurance quotes in Moorhead shouldn't be a guessing game. That's why our licensed insurance experts do the heavy lifting for you, analyzing rates from dozens of top companies to find you the best deal.
We believe in making things clear and simple. Our experts compare coverage options and find every possible discount, so you can see your best options side-by-side. It’s fast, free, and designed to save you a ton.

Enter your zip code to get personalized rates.

Featured in

399,755 Policies Sold

Moorhead Car Insurance

^$ 18

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

The auto insurance rates published in this guide are based on the results of research completed by Way’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes. These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with Way.

Table of Contents

How Much Is Car Insurance in Moorhead

The car insurance rate in Moorhead is $727 for a six-month policy, which is $28 higher than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $383, making it a popular choice for budget-conscious drivers. Rates in Moorhead can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in Moorhead

$727

Avg. Car Insurance in Iowa

$699

National Average

$1140

Cheapest Car Insurance Companies in Moorhead

1st place: West Bend Mutual

At $383 for a six month policy, West Bend Mutual offers the cheapest auto insurance rates in the city.

2nd place: Grange

Grange offers auto insurance rates at $433 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Travelers

Travelers offers auto insurance rates at $458 for six months, making it the third cheapest auto insurance company in Moorhead.

Moorhead Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Moorhead, IA is West Bend Mutual, offering policies at just $383 for a six-month term. This is followed by Grange, which has an average six-month premium of $433.

At the higher end of the spectrum, Allstate is the most expensive, with rates reaching $1427 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Moorhead drivers find the best deals.

Cheap Car Insurance Companies in Moorhead, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$383	$63
Grange	$433	$74
Travelers	$458	$77
Auto-Owners Insurance Co	$464	$79
Hastings Mutual	$475	$79
Westfield	$506	$86
IMT Insurance Company	$525	$87
State Farm	$624	$105
American Family	$643	$108
USAA	$685	$115
Pekin	$698	$116
Progressive	$704	$119
Auto-Owners	$853	$142
Farm Bureau Mutual (IA Group)	$859	$146
Farm Bureau	$964	$160
Nationwide	$1143	$194
Grinnell Mutual	$1248	$208
Allstate	$1427	$240

Key Takeaways

Way's key takeaways about car insurance in Moorhead

The auto insurance costs in Moorhead fall around $383 for six months.
The cheapest auto insurance company in Moorhead is Pekin.
Teen drivers pay the highest rate in Moorhead at $615 per month.

High Rates Shouldn’t Drive You Out of Pocket.

Save up to $971/yr with our auto insurance quotes

Cheapest Minimum Liability Car Insurance in Moorhead

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in Moorhead are given below.

Pekin provides the cheapest minimum car insurance coverage in Moorhead. Their Average 6 Month Premium is $105. West Bend is the most expensive at $130 for the same period.

Cheapest Liability Coverage in Moorhead, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Pekin	$105	$18
Westfield	$111	$19
Hastings Mutual	$118	$20
Progressive	$124	$21
West Bend Mutual	$124	$21
USAA	$130	$22
Grange	$136	$23
State Farm	$136	$23
Farm Bureau Mutual (IA Group)	$149	$25
Auto-Owners Insurance Co	$155	$26
Iowa Farm Bureau	$166	$28
Travelers	$173	$29
Farm Bureau	$179	$30
American Family	$185	$31
Auto-Owners	$198	$33
Grinnell Mutual	$278	$47
Allstate	$408	$69
Nationwide	$433	$74
West Bend	$130	$22

Cheapest Full Coverage Car Insurance in Moorhead

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in Moorhead is West Bend Mutual at $63 per month and $383 for six months.

Cheapest Full Coverage Car Insurance Quotes in Moorhead, IA

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$383	$63
Grange	$433	$74
Travelers	$458	$77
Auto-Owners Insurance Co	$464	$79
Hastings Mutual	$475	$79
Westfield	$506	$86
IMT Insurance Company	$525	$87
State Farm	$624	$105
American Family	$643	$108
USAA	$685	$115
Pekin	$698	$116
Progressive	$704	$119
Auto-Owners	$853	$142
Farm Bureau Mutual (IA Group)	$859	$146
Farm Bureau	$964	$160
Nationwide	$1143	$194
Grinnell Mutual	$1248	$208
Allstate	$1427	$240

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Moorhead Instantly!

Average Car Insurance in Moorhead by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in Moorhead, IA increasing?

Despite maintaining a clean driving record, your car insurance rates in Moorhead, Iowa, may be increasing due to several external factors. Iowa has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, Moorhead's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Moorhead

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

undefined

Cheapest Car Insurance Rates for Teen Drivers in Moorhead,IA

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Moorhead at $23 per month. At $3614 for a six-month premium, Nationwide offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
Grange	$155	$26
West Bend Mutual	$166	$28
Iowa Farm Bureau	$191	$32
Travelers	$649	$109
USAA	$809	$136
Progressive	$1217	$205
State Farm	$1384	$233
American Family	$1637	$276
Farm Bureau	$2107	$352
Farm Bureau Mutual (IA Group)	$2317	$394
Auto-Owners	$2360	$393
Grinnell Mutual	$2805	$477
Allstate	$3089	$520
Nationwide	$3614	$615

Teen Car Insurance Rates in IA by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in Moorhead, Grange is the cheapest car insurance provider. At $179 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in Moorhead is Grinnell Mutual, offering rates of around $2193 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Grange	$179	$30
Westfield	$216	$36
West Bend Mutual	$223	$37
Travelers	$241	$41
Progressive	$698	$118
American Family	$803	$135
State Farm	$1494	$252
Nationwide	$1631	$278
Farm Bureau	$1662	$277
Allstate	$2162	$368
Auto-Owners	$2181	$363
Grinnell Mutual	$2193	$373

Escape the Trap of Rising Insurance Costs.

Save up to $971/yr on car insurance rates in Moorhead.

Car Insurance Rates with An Accident in Moorhead

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In Moorhead, IA, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Moorhead

The cheapest car insurance companies after an at-fault accident in Moorhead include Hastings Mutual and Pekin, offering $118 and $142, respectively. Allstate is an expensive provider with an average six-month premium of $1958.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Hastings Mutual	$118	$20
Pekin	$142	$24
Western National	$185	$31
Westfield	$185	$31
Grange	$210	$35
Auto-Owners Insurance Co	$216	$36
West Bend Mutual	$216	$36
State Farm	$451	$76
Travelers	$464	$78
Progressive	$655	$110
Grinnell Mutual	$742	$125
American Family	$853	$144
USAA	$952	$158
Auto-Owners	$1118	$190
Farm Bureau Mutual (IA Group)	$1267	$211
Farm Bureau	$1569	$267
Nationwide	$1816	$303
Allstate	$1958	$330

Moorhead Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Moorhead IA. For example, the car insurance in Moorhead after a DUI increases to $740 for a six month policy. While the rate increases by $105 for a six-month policy in the case of a speeding ticket.

Moorhead auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$872	$146
One Med/PIP claim	$883	$150
Not-at-fault accident	$908	$152
One comp claim	$933	$159
Two Med/PIP claims	$958	$159
Child safety restraint	$977	$166
Failure to show documents	$977	$162
Failure to wear a seat belt	$977	$166
Speeding 6 - 10 MPH over limit	$977	$162
Two comp claims	$977	$166
Driving without lights	$982	$163
Driving with expired registration	$1007	$172
Failure to yield	$1007	$167
Illegal turn	$1007	$172
Failure to stop at a red light	$1013	$168
Wrong way/wrong lane	$1019	$174
Cell phone violation	$1025	$171
Driving too slowly	$1025	$175
Speeding 11 - 15 MPH over limit	$1025	$171
Texting while driving	$1025	$175
Speeding 16 - 20 MPH over limit	$1032	$172
Speeding in school zone	$1044	$178
Improper passing	$1050	$175
Following too closely	$1057	$180
At-fault accident - less than $1000	$1075	$179
Passing school bus	$1093	$186
Operating a vehicle without permission	$1149	$191
At-fault accident - $1000-$2000	$1168	$199
Speeding 21 - 25 MPH over limit	$1168	$194
At-fault accident - greater than $2000	$1174	$200
In 65 MPH zone	$1254	$209
Open container	$1322	$225
Racing	$1489	$249
Driving with a suspended license	$1519	$258
Reckless driving	$1557	$259
Refusal to submit to a chemical test	$1582	$269
DUI	$1612	$268
Leaving scene of an accident/hit and run	$1631	$278

Your Wallet Deserves Better. Seriously.

Get smarter car insurance rates in minutes today!

Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in Moorhead after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in Moorhead.

The cheapest car insurance premiums in Moorhead are offered by Western National at $185 for a six-month policy. However, it can be as expensive as $2416 with companies like Grinnell Mutual.

Moorhead car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Western National	$185	$31
Grange	$241	$41
Travelers	$241	$41
West Bend Mutual	$241	$41
Progressive	$464	$78
State Farm	$538	$90
American Family	$883	$149
Allstate	$1897	$322
Auto-Owners	$2020	$337
Farm Bureau	$2107	$358
Nationwide	$2261	$376
Grinnell Mutual	$2416	$411

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in Moorhead are offered by Westfield at $136. However, it can be as expensive as $1582 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Moorhead after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$136	$23
West Bend Mutual	$160	$27
Western National	$185	$31
Iowa Farm Bureau	$204	$34
Travelers	$204	$34
Grange	$210	$35
State Farm	$353	$59
Progressive	$519	$87
American Family	$624	$105
Farm Bureau	$1180	$197
Grinnell Mutual	$1248	$212
Nationwide	$1433	$239
Auto-Owners	$1483	$252
Allstate	$1582	$263

Car Insurance Price Trends in Moorhead, Iowa

Car insurance rates in Moorhead have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the Moorhead remained steady at $146 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the Moorhead remained steady at $30 in both December and November, indicating no change over the two month period.

Our Insurance Agent Experts

Wilson Mathew Nechikat

Principal

View Profile

Anthony Luu

Senior Director of Insurance Operations

View Profile

Ezra Peterson

Senior Director of Insurance

View Profile

Danny Herrera

Head of Commercial Insurance

View Profile

Frequently Asked Questions

How much is car insurance in Moorhead?

The car insurance in Moorhead is $18 per month, which is lower than the national average.

What is the cheapest car insurance in Moorhead?

The cheapest car insurance in Moorhead is $63 per month for full coverage.

How much is car insurance in Moorhead for teenagers?

Car insurance for teenagers costs $136 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in Moorhead?

The average cost of car insurance is $699 for a six-month policy. It will cost around $122 per month to insure your car in Moorhead.

Is car insurance expensive in Moorhead?

Car insurance can be expensive in Moorhead if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in Moorhead can be affordable.

Cheapest Car Insurance Quotes in Moorhead

Why you can trust Way?

How Much Is Car Insurance in Moorhead

Avg. Car Insurance in Moorhead

Avg. Car Insurance in Iowa

National Average

Cheapest Car Insurance Companies in Moorhead

1st place: West Bend Mutual

2nd place: Grange

3rd place: Travelers

Moorhead Car Insurance Rates by Company

Cheap Car Insurance Companies in Moorhead, IA

Way's key takeaways about car insurance in Moorhead

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Moorhead

Cheapest Liability Coverage in Moorhead, IA

Cheapest Full Coverage Car Insurance in Moorhead

Cheapest Full Coverage Car Insurance Quotes in Moorhead, IA

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Moorhead by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Moorhead, IA increasing?

Car Insurance Premiums by Age in Moorhead

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Moorhead,IA

If you are in your twenties N/A is the best choice for car insurance in Moorhead.

Car Insurance Rates by Credit Score & Driving History

Cheapest Car Insurance Companies for Bad Credit

Escape the Trap of Rising Insurance Costs.

Car Insurance Rates with An Accident in Moorhead

Cheapest Car Insurance Companies after an At-Fault Accident in Moorhead

Moorhead Car Insurance Rates by Violation

Moorhead auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Moorhead after a DUI

Moorhead car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Moorhead after Speeding ticket

Car Insurance Price Trends in Moorhead, Iowa

Average Car Insurance Cost in Moorhead by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Moorhead, IA

Car Insurance Rates by State in the USA (2025 Update)

Featured Blogs

Data Sources