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Cheap Auto Insurance Quotes in Fargo, ND (January 2022)
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Last Updated: January 2022
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.
$21
$58
$59
$113
$142
ProgressiveState FarmAllstateThe GeneralAmerican Family
See More: Cheap Car Insurance North Dakota
See More: Compare Car Insurance
Cheapest Car Insurance in Fargo, ND
The cost of car insurance can vary depending on the insurance provider. That’s because every insurance provider values information like your driving history and your credit score a little bit differently. Although the following car insurance companies offer the cheapest auto insurance premiums on average, it’s always important to compare quotes. Use Insurify to find your best rate today!
| Insurance Provider in Fargo | |
|---|---|
Progressive | $21/mo |
 State Farm | $58/mo |
 Allstate | $59/mo |
 The General | $113/mo |
 American Family | $142/mo |
Average Car Insurance Cost
| Bismarck | $95/mo |
| Grand Forks | $77/mo |
| Minot | $96/mo |
| West Fargo | $88/mo |
| Fargo | $79/mo |
| North Dakota | $87/mo |
$87
$95
$77
$96
$88
$79
North DakotaBismarckGrand ForksMinotWest FargoFargo
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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.
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 Age | |
|---|---|
| teens | $283 |
| 20s | $124 |
| 30s | $125 |
| 40s | $103 |
| 50s | $90 |
| 60s | $127 |
| 70s | $87 |
| 80s | N/A |
| Driving History | |
|---|---|
| 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.
See More: High-risk Car Insurance North Dakota
See More: DUI Car Insurance North Dakota
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 Tie | |
|---|---|
| Excellent | $101 |
| Good | $123 |
| Average | $120 |
| Poor | $125 |
See More: Bad Credit Car Insurance North Dakota
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.
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 Insights: How Fargo Drivers Measure Up
Fargo, ND
Suspended Licenses Rank
Drawing from their database of over 4 million car insurance shopper applications, the data scientists at Insurify have published various reports on driver behavior and car ownership — including how Fargo drivers measure up to their fellow North Dakota motorists in the rankings above.
From driver performance across different geographical locations and demographics to patterns in motor vehicle ownership and auto insurance coverage, Insurify Insights publishes data-driven articles, trend analyses, and national and local rankings each week on all factors related to cars and those who drive them.
Accidents in Fargo
While car accidents are a sadly unavoidable feature of time spent on the road, rates of accidents do vary from city to city and from state to state. Fargo drivers rank 1 in the number of car accidents per driver across all cities in North Dakota.
- Rank within state: #1
- Percent of drivers in Fargo with an accident: 11.07%
- Drivers in Fargo, ND with an accident in their driving history paid on average 57.41% more than drivers with a clean record
Speeding in Fargo
Exceeding the speed limit can endanger others and leave a permanent stain on your driving record. When compared to other cities in North Dakota, Fargo drivers rank 2 in the number of speeding infractions per driver.
- Rank within state: #2
- Percent of drivers in Fargo with a speeding ticket: 9.63%
- Drivers in Fargo, ND with a speeding ticket in their driving history paid on average 87.04% more than drivers with a clean record
DUI/DWIs in Fargo
While driving while intoxicated is never acceptable, it’s a more common offense than many assume. Fargo drivers rank 1 in the number of DUI’s per driver across all cities in North Dakota.
- Rank within state: #1
- Percent of drivers in Fargo with a DUI: 5.42%
- Drivers in Fargo, ND with a DUI in their driving history paid on average 82.41% more than drivers with a clean record
Most Popular Vehicle in Fargo
Some car models are just more popular than others and trends can vary from place to place. The most popular vehicle in Fargo is the Ford Fusion.
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.
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.
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.
Methodology
The car insurance quotes displayed are based on an analysis of Insurify’s database of over 40 million quotes from 500 ZIP codes nationwide. To obtain representative rates, Insurify’s data science team performs frequent comprehensive analyses of the factors car insurance providers weigh to calculate rates including driver demographics, driving record, credit score, desired coverage level, and more.
Insurify’s analysis also incorporates the Insurify Composite Score (ICS) assigned to each insurance provider. The ICS is a proprietary rating that weighs multiple factors reflecting the quality, reliability, and health of an insurance company. Ratings used to calculate the ICS include Financial Strength Ratings from A.M. Best, Standard & Poor’s, Moody’s, and Fitch; J.D. Power ratings; Consumer Reports customer satisfaction surveys and customer complaints; mobile app reviews; and user-generated company reviews.
With the above insights and ranking methods, Insurify is able to offer car insurance shoppers insight into how various insurance providers compare to one another in terms of both cost and quality. Note, actual quotes will vary based on unique attributes including the policyholder’s driver history and their garaging address.
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