Cheapest Car Insurance Quotes in Morgan

Finding the cheapest car insurance quotes in Morgan 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

406,175 Policies Sold

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 $859 for a six-month policy, which is $85 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $470, 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

$859

Avg. Car Insurance in Minnesota

$944

National Average

$1278

Cheapest Car Insurance Companies in Morgan

1st place: Iowa Farm Bureau

At $470 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 $476 for a six-month policy, making it one of the cheapest to insure with.

3rd place: Westfield

Westfield 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 Iowa Farm Bureau, offering policies at just $470 for a six-month term. This is followed by AutoOwners Insurance Co, which has an average six-month premium of $476.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1546 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
Iowa Farm Bureau	$470	$80
Auto-Owners Insurance Co	$476	$79
Westfield	$476	$81
American Family	$497	$84
West Bend Mutual	$616	$104
Travelers	$660	$111
Nationwide	$730	$124
USAA	$763	$128
AAA	$789	$133
Auto-Owners	$844	$142
West Bend	$908	$155
State Farm	$951	$160
Western National	$1227	$208
Allstate	$1287	$217
North Star Mutual	$1508	$257
Farmers	$1546	$258

Key Takeaways

Way's key takeaways about car insurance in Morgan

The auto insurance costs in Morgan fall around $470 for six months.
The cheapest auto insurance company in Morgan is Westfield.
Teen drivers pay the highest rate in Morgan at $929 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 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
North Star Mutual Insurance	$200	$34
USAA	$217	$36
Auto-Owners Insurance Co	$227	$38
Iowa Farm Bureau	$227	$38
West Bend	$227	$38
Farmers Union Insurance	$232	$39
Auto-Owners	$238	$40
North Star Mutual	$238	$40
AAA	$265	$45
American Family	$265	$45
Travelers	$265	$45
State Farm	$287	$48
Western National	$303	$51
Allstate	$443	$75
Farmers	$627	$106
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 Iowa Farm Bureau at $80 per month and $470 for six months.

Cheapest Full Coverage Car Insurance Quotes in Morgan, MN

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Iowa Farm Bureau	$470	$80
Auto-Owners Insurance Co	$476	$79
Westfield	$476	$81
American Family	$497	$84
West Bend Mutual	$616	$104
Travelers	$660	$111
Nationwide	$730	$124
USAA	$763	$128
AAA	$789	$133
Auto-Owners	$844	$142
West Bend	$908	$155
State Farm	$951	$160
Western National	$1227	$208
Allstate	$1287	$217
North Star Mutual	$1508	$257
Farmers	$1546	$258

Don't Let Hidden Costs Drive You Crazy

Get Your Car Insurance Quote in Morgan Instantly!

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	$595
30s	Farm Bureau Mutual	$425
40s	Farm Bureau Mutual	$420
50s	Farm Bureau Mutual	$354
60s	Farm Bureau Mutual	$362
70s	Farm Bureau Mutual	$425

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 $5573 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
Iowa Farm Bureau	$238	$40
Farmers Union Insurance	$248	$42
Umialik	$308	$51
American Family	$844	$142
Travelers	$946	$159
Auto-Owners	$1238	$208
USAA	$1265	$213
State Farm	$1886	$318
AAA	$1903	$320
Allstate	$3032	$511
North Star Mutual	$3179	$530
Western National	$3535	$602
Farmers	$5573	$929

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 $595 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 $6168 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
American Family	$460	$78
USAA	$1502	$250
AAA	$1675	$282
Travelers	$2157	$359
North Star Mutual	$2497	$425
Auto-Owners	$2605	$434
Farmers	$2865	$487
Western National	$2995	$499
Allstate	$3589	$611
State Farm	$6168	$1028

Escape the Trap of Rising Insurance Costs.

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

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
Iowa Farm Bureau	$292	$48
Auto-Owners Insurance Co	$308	$53
Farmers Union Insurance	$314	$52
West Bend Mutual	$319	$55
North Star Mutual Insurance	$368	$61
Encompass	$400	$68
American Family	$562	$95
Western National	$584	$98
Auto-Owners	$627	$106
State Farm	$649	$109
Travelers	$724	$122
USAA	$778	$131
AAA	$1232	$207
North Star Mutual	$1460	$246
Farmers	$2276	$379
Allstate	$2357	$397
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

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 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 $4319 with companies like AAA.

Morgan car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Umialik	$238	$40
West Bend Mutual	$248	$42
Farmers Union Insurance	$298	$49
Westfield	$335	$57
Iowa Farm Bureau	$438	$73
Country Financial	$465	$79
Auto-Owners Insurance Co	$497	$83
American Family	$524	$88
Western National	$741	$125
Travelers	$746	$126
State Farm	$951	$160
USAA	$1027	$173
Auto-Owners	$1059	$178
Farmers	$2308	$392
Allstate	$2449	$412
North Star Mutual	$4313	$733
AAA	$4319	$720

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 $2708 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
Auto-Owners Insurance Co	$259	$44
American Family	$276	$46
Farmers Union Insurance	$281	$48
State Farm	$594	$100
Western National	$741	$125
USAA	$784	$131
Auto-Owners	$865	$147
Travelers	$941	$157
North Star Mutual	$1508	$257
Farmers	$1940	$323
AAA	$2011	$342
Allstate	$2708	$451

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 $196 in January compared to $161 of December. In other words, there has been an increase by $35 when you compare January and December.

The average cost of liability insurance in the Morgan rose to $46 in January, compared to $45 in December. This represents an increase of $1 when comparing January and December.

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 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 $80 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 $944 for a six-month policy. It will cost around $145 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: Iowa Farm Bureau

2nd place: AutoOwners Insurance Co

3rd place: Westfield

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)

Featured Blogs

Data Sources