Buy Cheap Moorhead, IA Auto Insurance (2021)

Moorhead, IA auto insurance rates average $252 a month. Minimum auto insurance requirements in Moorhead, Iowa are 20/40/15 to comply with Iowa laws. To buy cheap auto insurance in Moorhead, IA, compare Moorhead auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Moorhead, IA after a DUI are $3,633/year
  • Average auto insurance rates in Moorhead, IA are $252/month
  • Average auto insurance rates in Moorhead, IA for teens drivers are $5,705/year

Finding affordable Moorhead, Iowa auto insurance can be challenging, but everything you need to know to buy cheap Moorhead, IA auto insurance with confidence is right here. Auto insurance rates in Moorhead are affected by local factors as well as personal ones like your driving record.

See how Moorhead, IA car insurance rates compare to Iowa City auto insurance rates, Council Bluffs auto insurance rates, and Ames auto insurance rates before you read more about the cost of auto insurance in Moorhead.

Don’t buy Moorhead, IA auto insurance until you’ve compared rates. Get free Moorhead, Iowa auto insurance quotes when you enter your ZIP code above.

Moorhead, IA Minimum Auto Insurance Requirements

The required auto insurance in Moorhead, IA is 20/40/15 according to the auto insurance laws in Iowa. The minimum auto insurance in Moorhead, Iowa is outlined here.

Minimum Required Auto Insurance Coverage in Moorhead, Iowa

Liability Insurance Required Minimum Coverage Limits Required
Bodily Injury Liability Coverage $20,000 per person
$40,000 per accident
Property Damage Liability Coverage $15,000 minimum

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Find Cheap Moorhead, IA Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Moorhead, IA. Take a look at Moorhead, Iowa auto insurance rates by credit history.

Annual Auto Insurance Rates by Credit Score in Moorhead, Iowa

Insurance Company Poor Fair Good
Allstate $3,929 $3,118 $2,800
American Family $3,968 $2,914 $2,450
Farmers $2,805 $2,331 $2,208
GEICO $2,691 $2,240 $1,788
Liberty Mutual $6,327 $3,894 $3,068
Nationwide $2,957 $2,317 $2,030
Progressive $2,966 $2,376 $2,143
State Farm $3,214 $1,988 $1,568
Travelers $6,273 $5,348 $5,094
USAA $2,547 $1,745 $1,510

Buy Cheap Moorhead, IA Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Moorhead, Iowa auto insurance rates? Find out how car insurance rates in Moorhead, IA are impacted by demographics.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Moorhead, Iowa

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 $2,160 $2,073 $1,920 $1,954 $6,294 $7,089 $2,351 $2,417
American Family $2,007 $2,007 $1,794 $1,794 $5,350 $7,510 $2,007 $2,417
Farmers $1,510 $1,539 $1,351 $1,477 $4,580 $4,887 $2,048 $2,192
GEICO $1,821 $1,640 $1,620 $1,483 $4,142 $3,866 $1,733 $1,612
Liberty Mutual $2,157 $2,346 $1,893 $2,303 $10,156 $11,442 $2,443 $2,697
Nationwide $1,692 $1,737 $1,508 $1,610 $3,895 $5,038 $1,916 $2,083
Progressive $1,797 $1,743 $1,480 $1,531 $4,180 $4,731 $2,163 $2,335
State Farm $1,491 $1,491 $1,301 $1,301 $3,918 $4,980 $1,673 $1,902
Travelers $2,536 $2,592 $2,445 $2,458 $11,077 $17,701 $2,631 $3,134
USAA $1,300 $1,319 $1,188 $1,218 $3,461 $3,687 $1,565 $1,732

Buy Cheap Moorhead, IA Auto Insurance for Teen Drivers

Auto insurance for teenagers in Moorhead can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Moorhead, IA are listed here.

Annual Auto Insurance Rates for Teen Drivers in Moorhead, Iowa

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,294 $7,089
American Family $5,350 $7,510
Farmers $4,580 $4,887
GEICO $4,142 $3,866
Liberty Mutual $10,156 $11,442
Nationwide $3,895 $5,038
Progressive $4,180 $4,731
State Farm $3,918 $4,980
Travelers $11,077 $17,701
USAA $3,461 $3,687

Buy Cheap Moorhead, IA Auto Insurance for Seniors

You can save on senior auto insurance rates in Moorhead, Iowa by comparing Moorhead senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Moorhead, IA here.

Annual Auto Insurance Rates for Senior Drivers in Moorhead, Iowa

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $1,920 $1,954
American Family $1,794 $1,794
Farmers $1,351 $1,477
GEICO $1,620 $1,483
Liberty Mutual $1,893 $2,303
Nationwide $1,508 $1,610
Progressive $1,480 $1,531
State Farm $1,301 $1,301
Travelers $2,445 $2,458
USAA $1,188 $1,218

Find Cheap Auto Insurance Rates in Moorhead, IA by Coverage Level

The amount of coverage you choose is a big factor in the cost of Moorhead, Iowa auto insurance. Compare Moorhead, IA auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Moorhead, Iowa

Insurance Company Low Medium High
Allstate $3,145 $3,287 $3,416
American Family $3,123 $3,284 $2,925
Farmers $2,348 $2,456 $2,540
GEICO $2,141 $2,240 $2,338
Liberty Mutual $4,247 $4,420 $4,622
Nationwide $2,544 $2,422 $2,339
Progressive $2,361 $2,501 $2,623
State Farm $2,159 $2,268 $2,344
Travelers $5,241 $5,656 $5,818
USAA $1,835 $1,940 $2,026

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Find Cheap Moorhead, IA Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Moorhead. Compare auto insurance rates in Moorhead, IA by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Moorhead, Iowa

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 Annual Mileage
Allstate $3,204 $3,361
American Family $3,074 $3,147
Farmers $2,448 $2,448
GEICO $2,195 $2,285
Liberty Mutual $4,430 $4,430
Nationwide $2,435 $2,435
Progressive $2,495 $2,495
State Farm $2,203 $2,311
Travelers $5,572 $5,572
USAA $1,863 $2,004

Find Cheap Moorhead, IA Auto Insurance Rates by Driving Record

Auto insurance rates in Moorhead, Iowa are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Moorhead, IA, take a look at the average cost for various violations versus rates for a clean driving record in Moorhead.

Annual Moorhead, Iowa Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $2,787 $3,381 $3,843 $3,118
American Family $2,246 $3,285 $4,270 $2,641
Farmers $2,088 $2,586 $2,622 $2,496
GEICO $1,702 $2,373 $3,058 $1,826
Liberty Mutual $3,828 $4,728 $4,832 $4,330
Nationwide $1,763 $2,531 $3,450 $1,995
Progressive $2,013 $3,265 $2,181 $2,521
State Farm $2,097 $2,417 $2,257 $2,257
Travelers $4,077 $5,411 $7,235 $5,564
USAA $1,478 $1,982 $2,578 $1,696

Find Cheap Moorhead, IA Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Moorhead, Iowa is higher than for a clean driving record. You can buy auto insurance after a DUI in Moorhead for less when you shop around and compare rates from multiple Moorhead, IA auto insurance companies.

Annual Auto Insurance Rates After a DUI in Moorhead, Iowa

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $3,843
American Family $4,270
Farmers $2,622
GEICO $3,058
Liberty Mutual $4,832
Nationwide $3,450
Progressive $2,181
State Farm $2,257
Travelers $7,235
USAA $2,578

Winners by Category: Where to Buy Cheap Auto Insurance in Moorhead, IA

Compare rates from the cheapest auto insurance companies in Moorhead, IA for your needs. Take a look at how Moorhead, Iowa auto insurance companies stack up for each category.

Best Annual Auto Insurance Rates by Company in Moorhead, Iowa

Category Insurance Company
Teenagers USAA
Seniors USAA
Clean Record USAA
With 1 Accident USAA
With 1 DUI Progressive
With 1 Speeding Violation USAA

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Find Cheap Moorhead, Iowa Auto Insurance Companies

If you’re looking for the cheapest Moorhead, IA auto insurance companies overall, you can compare them here. Find the best price for Moorhead, Iowa car insurance by company.

Average Annual Auto Insurance Rates by Company in Moorhead, Iowa

Insurance Company Average Annual Rates
Allstate $3,282
American Family $3,111
Farmers $2,448
GEICO $2,240
Liberty Mutual $4,430
Nationwide $2,435
Progressive $2,495
State Farm $2,257
Travelers $5,572
USAA $1,934

What affects Moorhead, Iowa auto insurance rates?

Local factors affect auto insurance rates in Moorhead, IA, including traffic, theft statistics, and commute length. Take a look at the things that impact Moorhead auto insurance rates.

Commute Times in Moorhead

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Moorhead, IA is 36.6 minutes according to City-Data.

Compare Auto Insurance Quotes in Moorhead, IA

You can buy cheap Moorhead, IA auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Moorhead, Iowa auto insurance quotes from top companies.

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