Cheapest Car Insurance Quotes in Morgan

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Morgan Car Insurance

^$ 22

/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 Morgan

The car insurance rate in Morgan is $731 for a six-month policy, which is $72 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $389, making it a popular choice for budget-conscious drivers. Rates in Morgan 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 Morgan

$731

Avg. Car Insurance in Minnesota

$803

National Average

$1140

Cheapest Car Insurance Companies in Morgan

1st place: AAA

At $389 for a six month policy, AAA offers the cheapest auto insurance rates in the city.

2nd place: Iowa Farm Bureau

Iowa Farm Bureau offers auto insurance rates at $470 for a six-month policy, making it one of the cheapest to insure with.

3rd place: AutoOwners Insurance Co

AutoOwners Insurance Co offers auto insurance rates at $476 for six months, making it the third cheapest auto insurance company in Morgan.

Morgan Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in Morgan, MN is AAA, offering policies at just $389 for a six-month term. This is followed by Iowa Farm Bureau, which has an average six-month premium of $470.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1411 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help Morgan drivers find the best deals.

Cheap Car Insurance Companies in Morgan, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$389	$66
Iowa Farm Bureau	$470	$78
Auto-Owners Insurance Co	$476	$81
Westfield	$476	$79
American Family	$579	$97
Travelers	$616	$104
West Bend Mutual	$616	$104
Nationwide	$730	$122
USAA	$741	$125
Auto-Owners	$800	$135
State Farm	$903	$152
West Bend	$908	$151
Allstate	$1119	$188
Farmers	$1411	$235

Key Takeaways

Way's key takeaways about car insurance in Morgan

The auto insurance costs in Morgan fall around $389 for six months.
The cheapest auto insurance company in Morgan is Westfield.
Teen drivers pay the highest rate in Morgan at $852 per month.

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Cheapest Minimum Liability Car Insurance in Morgan

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 Morgan are given below.

Westfield provides the cheapest minimum car insurance coverage in Morgan. Their Average 6 Month Premium is $130. Nationwide is the most expensive at $281 for the same period.

Cheapest Liability Coverage in Morgan, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$130	$22
West Bend Mutual	$184	$31
AAA	$189	$32
North Star Mutual	$200	$34
North Star Mutual Insurance	$200	$34
USAA	$200	$34
Auto-Owners	$227	$38
Auto-Owners Insurance Co	$227	$38
Iowa Farm Bureau	$227	$38
West Bend	$227	$38
Farmers Union Insurance	$232	$39
Travelers	$248	$42
American Family	$259	$44
State Farm	$259	$44
Western National	$276	$47
Allstate	$449	$76
Farmers	$632	$107
Nationwide	$281	$46

Cheapest Full Coverage Car Insurance in Morgan

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 Morgan is AAA at $66 per month and $389 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morgan, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
AAA	$389	$66
Iowa Farm Bureau	$470	$78
Auto-Owners Insurance Co	$476	$81
Westfield	$476	$79
American Family	$579	$97
Travelers	$616	$104
West Bend Mutual	$616	$104
Nationwide	$730	$122
USAA	$741	$125
Auto-Owners	$800	$135
State Farm	$903	$152
West Bend	$908	$151
Allstate	$1119	$188
Farmers	$1411	$235

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Average Car Insurance in Morgan 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 Morgan, MN increasing?

Despite maintaining a clean driving record, your car insurance rates in Morgan, 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, Morgan's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in Morgan

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	$605
30s	Farm Bureau Mutual	$432
40s	Farm Bureau Mutual	$428
50s	Farm Bureau Mutual	$359
60s	Farm Bureau Mutual	$369
70s	Farm Bureau Mutual	$432

Cheapest Car Insurance Rates for Teen Drivers in Morgan,MN

If you are planning to get a car insurance policy for your teenage dependent, Westfield provides the cheapest car insurance in the Morgan at $26 per month. At $5108 for a six-month premium, Farmers offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
North Star Mutual Insurance	$217	$36
Auto-Owners Insurance Co	$232	$39
AAA	$238	$40
Iowa Farm Bureau	$238	$40
Farmers Union Insurance	$248	$42
Umialik	$308	$53
Travelers	$789	$133
Auto-Owners	$1135	$191
USAA	$1206	$203
American Family	$1460	$246
State Farm	$1752	$295
Allstate	$2935	$494
Farmers	$5108	$852

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 Morgan.

As young drivers face the highest rates in Morgan, Farm Bureau Mutual offers the cheapest auto insurance rates at $605 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 Morgan, West Bend Mutual is the cheapest car insurance provider. At $232 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 Morgan is State Farm, offering rates of around $4681 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
West Bend Mutual	$232	$39
Westfield	$287	$47
Farmers Union Insurance	$319	$55
Iowa Farm Bureau	$449	$75
AAA	$508	$86
American Family	$973	$164
USAA	$1351	$230
Travelers	$1616	$269
Auto-Owners	$2189	$372
Farmers	$2675	$446
Allstate	$3027	$515
State Farm	$4681	$780

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Car Insurance Rates with An Accident in Morgan

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

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

The cheapest car insurance companies after an at-fault accident in Morgan include Westfield and Umialik, offering $189 and $238, respectively. Nationwide is an expensive provider with an average six-month premium of $373.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$189	$32
Umialik	$238	$40
Western National	$259	$44
Iowa Farm Bureau	$292	$50
Auto-Owners Insurance Co	$308	$51
Farmers Union Insurance	$314	$54
AAA	$319	$53
West Bend Mutual	$319	$55
North Star Mutual	$335	$56
North Star Mutual Insurance	$368	$63
Encompass	$400	$66
Auto-Owners	$579	$97
State Farm	$611	$103
Travelers	$643	$108
USAA	$741	$125
American Family	$897	$151
Allstate	$1957	$329
Farmers	$2103	$358
Nationwide	$373	$62

Morgan Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in Morgan MN. For example, the car insurance in Morgan after a DUI increases to $995 for a six month policy. While the rate increases by $205 for a six-month policy in the case of a speeding ticket.

Morgan auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$930	$155
One Med/PIP claim	$941	$160
Not-at-fault accident	$956	$159
One comp claim	$989	$168
Two Med/PIP claims	$989	$165
Two comp claims	$1033	$176
Failure to wear a seat belt	$1059	$177
Failure to show documents	$1076	$183
Child safety restraint	$1092	$182
Driving without lights	$1092	$186
Driving with expired registration	$1114	$186
Cell phone violation	$1135	$193
Speeding 6 - 10 MPH over limit	$1135	$189
Texting while driving	$1135	$193
Following too closely	$1146	$191
Driving too slowly	$1151	$196
Failure to yield	$1151	$192
Illegal turn	$1151	$196
Speeding in school zone	$1151	$192
Wrong way/wrong lane	$1151	$196
Failure to stop at a red light	$1157	$193
Improper passing	$1157	$197
Speeding 11 - 15 MPH over limit	$1162	$194
Speeding 16 - 20 MPH over limit	$1173	$199
At-fault accident - less than $1000	$1200	$200
Passing school bus	$1200	$204
In 65 MPH zone	$1206	$201
Operating a vehicle without permission	$1211	$206
Speeding 21 - 25 MPH over limit	$1249	$208
At-fault accident - $1000-$2000	$1335	$227
Open container	$1340	$224
At-fault accident - greater than $2000	$1368	$233
Reckless driving	$1675	$279
Racing	$1730	$294
Driving with a suspended license	$1838	$307
Refusal to submit to a chemical test	$1859	$316
DUI	$1925	$320
Leaving scene of an accident/hit and run	$1995	$339

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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 Morgan 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 Morgan.

The cheapest car insurance premiums in Morgan are offered by Umialik at $238 for a six-month policy. However, it can be as expensive as $2129 with companies like Farmers.

Morgan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$238	$40
West Bend Mutual	$248	$42
Western National	$248	$42
Farmers Union Insurance	$298	$51
Westfield	$335	$56
Iowa Farm Bureau	$438	$75
Country Financial	$465	$77
Auto-Owners Insurance Co	$497	$85
Travelers	$676	$114
State Farm	$719	$121
American Family	$811	$137
Auto-Owners	$962	$162
USAA	$978	$165
Allstate	$2017	$339
Farmers	$2129	$355

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 Morgan are offered by Westfield at $157. However, it can be as expensive as $2032 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in Morgan after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Westfield	$157	$26
Iowa Farm Bureau	$248	$42
West Bend Mutual	$248	$42
Western National	$248	$42
Auto-Owners Insurance Co	$259	$44
Farmers Union Insurance	$281	$48
State Farm	$508	$86
American Family	$584	$98
USAA	$692	$116
Auto-Owners	$703	$119
Travelers	$724	$121
Farmers	$1767	$300
Allstate	$2032	$339

Car Insurance Price Trends in Morgan, Minnesota

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

The average cost of full coverage in the Morgan rose by $161 in December compared to $160 of November. In other words, there has been an increase by $1 when you compare December and November.

The average cost of liability insurance in the Morgan remained steady at $45 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in Morgan?

The car insurance in Morgan is $22 per month, which is lower than the national average.

What is the cheapest car insurance in Morgan?

The cheapest car insurance in Morgan is $66 per month for full coverage.

How much is car insurance in Morgan for teenagers?

Car insurance for teenagers costs $157 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 Morgan?

The average cost of car insurance is $803 for a six-month policy. It will cost around $122 per month to insure your car in Morgan.

Is car insurance expensive in Morgan?

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

Cheapest Car Insurance Quotes in Morgan

Why you can trust Way?

How Much Is Car Insurance in Morgan

Avg. Car Insurance in Morgan

Avg. Car Insurance in Minnesota

National Average

Cheapest Car Insurance Companies in Morgan

1st place: AAA

2nd place: Iowa Farm Bureau

3rd place: AutoOwners Insurance Co

Morgan Car Insurance Rates by Company

Cheap Car Insurance Companies in Morgan, MN

Way's key takeaways about car insurance in Morgan

High Rates Shouldn’t Drive You Out of Pocket.

Cheapest Minimum Liability Car Insurance in Morgan

Cheapest Liability Coverage in Morgan, MN

Cheapest Full Coverage Car Insurance in Morgan

Cheapest Full Coverage Car Insurance Quotes in Morgan, MN

Don't Let Hidden Costs Drive You Crazy

Average Car Insurance in Morgan by Rating Factor

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

Car Insurance Premiums by Age in Morgan

Cheapest Car Insurance Companies Based on Age Group

Cheapest Car Insurance Rates for Teen Drivers in Morgan,MN

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

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 Morgan

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

Morgan Car Insurance Rates by Violation

Morgan auto insurance quotes by violations

Your Wallet Deserves Better. Seriously.

Avoid Having A DUI On Your Driving Record.

Car Insurance Rates in Morgan after a DUI

Morgan car insurance quotes with a DUI

Cheapest car insurance after a speeding ticket

Cheapest Car Insurance in Morgan after Speeding ticket

Car Insurance Price Trends in Morgan, Minnesota

Average Car Insurance Cost in Morgan by ZIP Code

Frequently Asked Questions

Tired of Insane Auto Insurance Bills? Us Too!

Find Car Insurance Rates in Cities Near Morgan, MN

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

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