Cheapest Car Insurance Quotes in Fergus Falls

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Fergus Falls Car Insurance

^$ 23

/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 Fergus Falls

The car insurance rate in Fergus Falls is $887 for a six-month policy, which is $57 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $486, making it a popular choice for budget-conscious drivers. Rates in Fergus Falls 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 Fergus Falls

$887

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Fergus Falls

1st place: Iowa Farm Bureau

At $486 for a six month policy, Iowa Farm Bureau offers the cheapest auto insurance rates in the city.

2nd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $492 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield offers auto insurance rates at $492 for six months, making it the third cheapest auto insurance company in Fergus Falls.

Fergus Falls Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Fergus Falls, MN is Iowa Farm Bureau, offering policies at just $486 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $492.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1597 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Fergus Falls drivers find the best deals.

Cheap Car Insurance Companies in Fergus Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$486	$83
Auto-Owners Insurance Co	$492	$82
Westfield	$492	$84
American Family	$513	$86
West Bend Mutual	$636	$107
Travelers	$682	$115
Nationwide	$754	$128
USAA	$788	$133
AAA	$815	$137
Auto-Owners	$871	$147
West Bend	$938	$160
State Farm	$982	$165
Western National	$1267	$215
Allstate	$1329	$224
North Star Mutual	$1558	$265
Farmers	$1597	$266

Key Takeaways

Way's key takeaways about car insurance in Fergus Falls

The auto insurance costs in Fergus Falls fall around $486 for six months.
The cheapest auto insurance company in Fergus Falls is Westfield.
Teen drivers pay the highest rate in Fergus Falls at $960 per month.

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Cheapest Minimum Liability Car Insurance in Fergus Falls

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 Fergus Falls are given below.

Westfield provides the cheapest minimum car insurance coverage in Fergus Falls. Their Average 6 Month Premium is $134. Nationwide is the most expensive at $290 for the same period.

Cheapest Liability Coverage in Fergus Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$134	$23
West Bend Mutual	$190	$32
North Star Mutual Insurance	$207	$35
USAA	$224	$38
Auto-Owners Insurance Co	$234	$39
Iowa Farm Bureau	$234	$39
West Bend	$234	$39
Farmers Union Insurance	$240	$40
Auto-Owners	$245	$41
North Star Mutual	$245	$41
AAA	$274	$46
American Family	$274	$46
Travelers	$274	$46
State Farm	$296	$50
Western National	$313	$53
Allstate	$458	$77
Farmers	$648	$110
Nationwide	$290	$48

Cheapest Full Coverage Car Insurance in Fergus Falls

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 Fergus Falls is Iowa Farm Bureau at $83 per month and $486 for six months.

Cheapest Full Coverage Car Insurance Quotes in Fergus Falls, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$486	$83
Auto-Owners Insurance Co	$492	$82
Westfield	$492	$84
American Family	$513	$86
West Bend Mutual	$636	$107
Travelers	$682	$115
Nationwide	$754	$128
USAA	$788	$133
AAA	$815	$137
Auto-Owners	$871	$147
West Bend	$938	$160
State Farm	$982	$165
Western National	$1267	$215
Allstate	$1329	$224
North Star Mutual	$1558	$265
Farmers	$1597	$266

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Average Car Insurance in Fergus Falls 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 Fergus Falls, MN increasing?

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

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

Car Insurance Premiums by Age in Fergus Falls

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

Age Group	Cheapest Companies	Avg. 6 Mo. Premium
20s	Farm Bureau Mutual	$615
30s	Farm Bureau Mutual	$439
40s	Farm Bureau Mutual	$434
50s	Farm Bureau Mutual	$366
60s	Farm Bureau Mutual	$374
70s	Farm Bureau Mutual	$439

Cheapest Car Insurance Rates for Teen Drivers in Fergus Falls,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Fergus Falls at $27 per month. At $5757 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
North Star Mutual Insurance	$224	$38
Auto-Owners Insurance Co	$240	$40
Iowa Farm Bureau	$245	$41
Farmers Union Insurance	$257	$43
Umialik	$319	$53
American Family	$871	$147
Travelers	$978	$165
Auto-Owners	$1278	$215
USAA	$1307	$220
State Farm	$1949	$328
AAA	$1966	$331
Allstate	$3132	$527
North Star Mutual	$3283	$547
Western National	$3652	$621
Farmers	$5757	$960

Teen Car Insurance Rates in MN by Age

Way Tip

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Fergus Falls.

As young drivers face the highest rates in Fergus Falls, Farm Bureau Mutual offers the cheapest auto insurance rates at $615 for six months.

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 Fergus Falls, West Bend Mutual is the cheapest car insurance provider. At $240 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 Fergus Falls is State Farm, offering rates of around $6371 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$240	$40
Westfield	$296	$49
Farmers Union Insurance	$329	$56
Iowa Farm Bureau	$463	$77
American Family	$475	$81
USAA	$1552	$259
AAA	$1731	$291
Travelers	$2228	$371
North Star Mutual	$2579	$439
Auto-Owners	$2691	$448
Farmers	$2959	$503
Western National	$3094	$515
Allstate	$3707	$631
State Farm	$6371	$1062

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Car Insurance Rates with An Accident in Fergus Falls

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 Fergus Falls, MN, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in Fergus Falls

The cheapest car insurance companies after an at-fault accident in Fergus Falls include Westfield and Umialik, offering $196 and $245, respectively. Nationwide is an expensive provider with an average six-month premium of $385.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$196	$33
Umialik	$245	$41
Iowa Farm Bureau	$302	$50
Auto-Owners Insurance Co	$319	$55
Farmers Union Insurance	$324	$54
West Bend Mutual	$329	$56
North Star Mutual Insurance	$380	$63
Encompass	$414	$71
American Family	$581	$98
Western National	$603	$102
Auto-Owners	$648	$109
State Farm	$670	$113
Travelers	$748	$126
USAA	$804	$135
AAA	$1273	$214
North Star Mutual	$1508	$254
Farmers	$2351	$392
Allstate	$2435	$410
Nationwide	$385	$64

Fergus Falls Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Fergus Falls MN. For example, the car insurance in Fergus Falls after a DUI increases to $1027 for a six month policy. While the rate increases by $211 for a six-month policy in the case of a speeding ticket.

Fergus Falls auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$961	$160
One Med/PIP claim	$972	$165
Not-at-fault accident	$988	$165
One comp claim	$1022	$174
Two Med/PIP claims	$1022	$170
Two comp claims	$1067	$181
Failure to wear a seat belt	$1094	$182
Failure to show documents	$1111	$189
Child safety restraint	$1128	$188
Driving without lights	$1128	$192
Driving with expired registration	$1151	$192
Cell phone violation	$1172	$199
Speeding 6 - 10 MPH over limit	$1172	$196
Texting while driving	$1172	$199
Following too closely	$1183	$197
Driving too slowly	$1189	$202
Failure to yield	$1189	$198
Illegal turn	$1189	$202
Speeding in school zone	$1189	$198
Wrong way/wrong lane	$1189	$202
Failure to stop at a red light	$1195	$199
Improper passing	$1195	$203
Speeding 11 - 15 MPH over limit	$1200	$200
Speeding 16 - 20 MPH over limit	$1212	$206
At-fault accident - less than $1000	$1240	$207
Passing school bus	$1240	$211
In 65 MPH zone	$1246	$208
Operating a vehicle without permission	$1251	$212
Speeding 21 - 25 MPH over limit	$1290	$215
At-fault accident - $1000-$2000	$1379	$234
Open container	$1385	$231
At-fault accident - greater than $2000	$1413	$241
Reckless driving	$1731	$289
Racing	$1787	$304
Driving with a suspended license	$1899	$317
Refusal to submit to a chemical test	$1920	$326
DUI	$1988	$331
Leaving scene of an accident/hit and run	$2060	$351

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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 Fergus Falls 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 Fergus Falls.

The cheapest car insurance premiums in Fergus Falls are offered by Umialik at $245 for a six-month policy. However, it can be as expensive as $4461 with companies like AAA.

Fergus Falls car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$245	$41
West Bend Mutual	$257	$43
Farmers Union Insurance	$307	$51
Westfield	$346	$59
Iowa Farm Bureau	$452	$75
Country Financial	$480	$82
Auto-Owners Insurance Co	$513	$86
American Family	$541	$91
Western National	$765	$129
Travelers	$771	$130
State Farm	$982	$165
USAA	$1061	$179
Auto-Owners	$1094	$184
Farmers	$2384	$405
Allstate	$2530	$426
North Star Mutual	$4456	$758
AAA	$4461	$744

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 Fergus Falls are offered by Westfield at $162. However, it can be as expensive as $2797 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Fergus Falls after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$162	$27
Iowa Farm Bureau	$257	$43
West Bend Mutual	$257	$43
Auto-Owners Insurance Co	$268	$45
American Family	$285	$47
Farmers Union Insurance	$290	$50
State Farm	$614	$103
Western National	$765	$129
USAA	$809	$135
Auto-Owners	$893	$152
Travelers	$972	$162
North Star Mutual	$1558	$265
Farmers	$2004	$334
AAA	$2077	$353
Allstate	$2797	$466

Car Insurance Price Trends in Fergus Falls, Minnesota

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

The average cost of full coverage in the Fergus Falls rose by $202 in January compared to $166 of December. In other words, there has been an increase by $36 when you compare January and December.

The average cost of liability insurance in the Fergus Falls rose to $48 in January, compared to $46 in December. This represents an increase of $2 when comparing January and December.

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Frequently Asked Questions

How much is car insurance in Fergus Falls?

The car insurance in Fergus Falls is $23 per month, which is lower than the national average.

What is the cheapest car insurance in Fergus Falls?

The cheapest car insurance in Fergus Falls is $83 per month for full coverage.

How much is car insurance in Fergus Falls for teenagers?

Car insurance for teenagers costs $162 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 Fergus Falls?

The average cost of car insurance is $944 for a six-month policy. It will cost around $149 per month to insure your car in Fergus Falls.

Is car insurance expensive in Fergus Falls?

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

Cheapest Car Insurance Quotes in Fergus Falls

Why you can trust Way?

How Much Is Car Insurance in Fergus Falls

Avg. Car Insurance in Fergus Falls

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Fergus Falls

1st place: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

Fergus Falls Car Insurance Rates by Company

Cheap Car Insurance Companies in Fergus Falls, MN

Way's key takeaways about car insurance in Fergus Falls

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Fergus Falls

Cheapest Liability Coverage in Fergus Falls, MN

Cheapest Full Coverage Car Insurance in Fergus Falls

Cheapest Full Coverage Car Insurance Quotes in Fergus Falls, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Fergus Falls by Rating Factor

I have a clean driving record. Why is my car insurance rate here in Fergus Falls, MN increasing?

Car Insurance Premiums by Age in Fergus Falls

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Fergus Falls,MN

If you are in your twenties Farm Bureau Mutual is the best choice for car insurance in Fergus Falls.

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 Fergus Falls

Cheapest Car Insurance Companies after an At-Fault Accident in Fergus Falls

Fergus Falls Car Insurance Rates by Violation

Fergus Falls auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Fergus Falls after a DUI

Fergus Falls car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Fergus Falls after Speeding ticket

Car Insurance Price Trends in Fergus Falls, Minnesota

Average Car Insurance Cost in Fergus Falls by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Fergus Falls, MN

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

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