Cheap Auto Insurance Quotes in Fargo, ND (2021)

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Fargo has 124,000 residents, and most people drive as their main mode of getting around. Finding the best car insurance policy will save you green, whether you rock green and yellow or green and pink on college football game days.

Over 93 percent of Fargo households own cars. And although North Dakotans race lawnmowers, they're not included in that statistic. With so many folks racing up and down the streets, even in snowstorms, peace of mind from insurance goes far in the Peace Garden State.

Car Insurance in Fargo, ND

The average cost of North Dakota car insurance will vary from city to city and between insurance companies. Insurify analyzed the latest insurance rates in Fargo, ND to find you the cheapest quotes in the area.

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Cheapest Car Insurance in Fargo, ND

Here are the cheapest carriers in Fargo for the following user profile: a single, 30 year old male with a clean driving record who drives a 2012 Honda Accord and pays a $1,000 deductible for the state’s minimum liability insurance.

Average Car Insurance Cost

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Click here to learn about car insurance quotes and save on your current policy.

Fargo, ND Driving Facts

Minimum Car Insurance Requirements in ND

The state of North Dakota requires all motor vehicle operators to have proof of insurance available in the car at all times. It accepts both written and electronic documentation.

The minimum bodily injury liability insurance requirements in North Dakota are:

  • $25,000 bodily injury liability per person
  • $50,000 bodily injury liability per accident

Bodily injury coverage protects you by paying for the injuries of anyone you harm in an accident. The minimum coverage limits that North Dakota state law requires are $25,000 for the injury or death of a single person involved in a car accident and $50,000 for the injury or death of multiple persons. Insurance providers list this coverage at 25/50, stating the limitations of each minimum. In an accident, liability coverage protects you up to the policy limit. Damages above the policy limit of $50,000 are your responsibility.

The minimum property damage liability insurance requirements in North Dakota are:

  • $25,000 property damage liability per accident

Property damage liability coverage pays for any property that you damage in an accident. The state of North Dakota requires $25,000 for the minimum. You’ll see the collective state minimum listed at 25/50/25. The second 25 refers to the property damage liability. Once again, any damages above the $25,000 are your responsibility.

  • $30,000 personal injury protection (PIP) per person per accident

North Dakota is a no-fault state, so Personal Injury Protection (also called no-fault insurance) is mandatory coverage for all drivers. North Dakota PIP covers you, your immediate family, and your passengers for economic losses, medical costs, and death benefits regardless of fault. The state sets $30,000 for the minimum coverage requirements. 

What happens if someone hits you, and they do not have insurance or enough insurance to pay for your damages? Consider that the Insurance Information Institute reports 6.8 percent or just over one out of fifteen, North Dakota drivers have no insurance. The state requires uninsured motorist coverage and underinsured motorist coverage:

  • $25,000 uninsured/underinsured motorist bodily injury per person
  • $50,000 uninsured/underinsured motorist bodily injury per accident

Uninsured motorist bodily injury pays your medical expenses if you’re injured by a hit-and-run driver or one who has no insurance.

Underinsured motorist bodily injury pays your medical expenses if you’re hit by someone who does not have high enough policy limits to cover your costs.

north-dakota

Fargo Car Insurance Rates by Driver Age

While insurance rates are highest for young drivers in Fargo, rates typically decline as you get older—as long as you keep a clean driving record. Because of their limited driving exposure, younger drivers pose the most risk on the road, and insurance companies charge them accordingly. The difference in insurance rates between a teen and someone in their 50s is remarkable. While teen drivers pay an average of $282 for their monthly premiums, a skilled driver in their 50s pays just $89.

Driver's AgeAvg. Monthly Cost
teens$283
20s$124
30s$125
40s$103
50s$90
60s$127
70s$87
80sN/A
Driving HistoryAvg. Monthly Cost
No Violation$114
Speeding Ticket$131
At-Fault Accident$159
Failure to Stop for Red Light / Stop Sign$146

Fargo Car Insurance Rates by Driving and Accident History

Driving in North Dakota’s most populous city gives motorists all the more reason to keep their eyes on the road. Costly tickets aren’t the only consequence of running a red light in this town. Those who have driving violations on their record pay more for insurance than those who don’t. Why? Because driving behavior is a clear indicator of risk. The higher the risk you pose, the higher your insurance rates. Drivers with no violations in Fargo pay an average of $113 per month for insurance. Drivers ticketed for running a light or who have an at-fault accident to contend with pay $145 and $158, respectively.

Fargo Car Insurance Rates by Credit Tier

Accident history and age aren’t the only things that determine individual insurance rates. In most states, car insurance companies use a person’s credit-based insurance score as well. Why? Studies have shown that your ability to manage money can also be an indicator of risk. How much money you have isn’t a factor, and there are laws in place that prevent discrimination. In the case of credit-based insurance scores, your risk is related to things like outstanding debt, length of credit history, and whether you pay your bills on time. A driver with a good credit score in Fargo can expect to pay an average of $122 per month in car insurance premiums.

Credit TieAvg. Monthly Cost
Excellent$101
Good$123
Average$120
Poor$125

Fargo, ND DMV Information

Fargo Motor Vehicle is the place to go to register your vehicle, and it's at 745 45th St. S, Fargo, ND 58103. The hours are Monday through Friday from 8 a.m. to 12 p.m. and 1 p.m. to 4 p.m., and the phone number is 1 (575) 762-3732.

Public Transportation in Fargo, ND

Fargo Driver’s License site is at 4101 13th Ave. S, Ste 1200, Fargo, ND 58103. The office hours are Monday through Friday from 7:30 a.m. to 4:45 p.m., and the phone number is 1 (855) 633-6835. You must make an appointment, and no walk-ins are allowed.

Conclusion: How to get the best and cheapest car insurance in Fargo, ND

If Fargo's weather is "not so bad," that means you're not "snow-stayed," and it's time to pick up a "bunny lunch" or a "slush burger." But before you track through the snow, get a smoking-hot deal that can warm the heart of any winter warrior. Try Insurify to find the best rates by comparing dozens of insurance quotes in just a few seconds.

When your city leads North Dakota for speeding and suspended licenses, there are at least two reasons to lock in car insurance. Use Insurify to get the coverage and rate that will make you dance like your team scored a touchdown, regardless if you're a Viking or a Packer.

Find local Fargo agents

Superior Insurance Agency 
1002 28th Street S, Fargo, ND 58501
Grand Slam Insurance Agency 
619 University Dr S, Fargo, ND 58103-2649
Dixon Insurance, Inc. 
3101 39th St S, Fargo, ND 58104
Vaaler Insurance Inc 
1531 32nd Ave S, Fargo, ND 58103-5905
Far North Insurance Inc. 
3357 39th St S Suite 1, Fargo, ND 58106
Halvorson Company, Inc 
3320 Westrac Drive South, Fargo, ND 58103
Dawson Insurance/Marsh & McClennan 
505 Broadway North, Fargo, ND 58102
Dawson Insurance Agency Inc 
5675 26th Avenue South, Fargo, ND 58107
Insure Forward 
1202 28th St S, Fargo, ND 58103-8700
Bell Insurance Services LLC 
318 Broadway, Fargo, ND 58102-4715

Insurify Rankings

Using a proprietary dataset of over 1.6 million car insurance shopper applications, the data scientists at Insurify have run various studies on driver behavior across geographical locations, age ranges, motor vehicle registration, and other variables all related to auto insurance coverage.

We’ve been able to determine the speediest cities in the nation, the most popular cars among age groups, and the occupations with the worst drivers, among other insightful reports. We’ve also launched annual awards campaigns to congratulate the communities across the country who have excelled in environmentally friendly initiatives, educational attainment, and other areas.

Here's how Fargo stacks up for the state of North Dakota:

ford
Ford F-Series Pickup
Most Popular Car in
Fargo, ND
suspended licenses
#1
Cities with Most
Suspended Licenses Rank

Green Driving in Fargo, ND

The EPA reports that the United States' transportation sector accounts for 27% of national greenhouse gas emissions. In a country of over 263 million registered vehicles, many communities are taking action to reduce their environmental impact and vehicular carbon footprint. This city has been named the "greenest" in the state by Insurify.

The state of North Dakota offers many green driver incentives, including federal tax credits, free low-speed vehicle registration, and discounts through some car insurance carriers.

Greenes Cities

Fargo

Greenes Cities
% of Hybrids / Electrics
2%
Most Patriotic City

Most Patriotic City

Fargo

Beginning in 2018, Insurify launched the Most Patriotic Cities Awards, which salute the community in each state with the highest percentage of individuals who currently serve in the military or identify as armed service veterans.

Fargo won Insurify's Most Patriotic Cities Award for the state of North Dakota.


FAQs - Fargo, ND Car Insurance

Why is car insurance so expensive in Fargo?

Fargo ranks first for most speeding tickets and suspended licenses in North Dakota. Add in the severe snowstorms, and you have a recipe for high rates. Insurers assign a higher premium to higher risk.

How can I get the cheapest car insurance in Fargo?

The cheapest car insurance price comes from state minimum coverage. That's the lowest amount of protection North Dakota allows. If you're financing the car, you must buy comprehensive and collision coverage. In that case, to keep your bill low, raise your deductibles to the most you can afford out of pocket if a wreck happens.

Who offers the cheapest car insurance in Fargo?

Car insurance prices differ by city, company, and driver. If you're looking for rates tailored to your driver profile, try Insurify to compare up to 10+ real quotes. You'll unlock savings and discounts and find the coverage you deserve at a price you can afford.