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Cheap Auto Insurance Quotes in Fargo, ND (June 2022)

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Olivia Oksenhorn

By: Olivia Oksenhorn

Edited by Tanveen Vohra | Reviewed by licensed insurance agent, Amber Benka

Last Updated February 4, 2022

Why you can trust Insurify

Insurify partners with top insurance companies and is a licensed agent in all 50 states. However, the insurance experts writing our content operate independently of our partners. Check out reviews from over 3,000 satisfied customers, how we make money, our data methodology, and our editorial standards.

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.

Quick Facts

  • The average cost of car insurance in Fargo is $132 per month, or $1584 annually.
  • Car insurance in Fargo is $32 less than the average cost of car insurance in North Dakota.
  • The cheapest car insurance provider in Fargo on average is Midvale Home & Auto, but you should always compare quotes to find your best personal rate.

Quotes by Top Companies

Progressive
$21
State Farm
$58
Allstate
$59
The General
$113
American Family
$142

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 FargoQuotes
Progressive$21 /mo
State Farm$58 /mo
Allstate$59 /mo
The General$113 /mo
American Family$142 /mo

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Average Car Insurance Cost

North Dakota Cities
Bismarck$95/mo
Grand Forks$77/mo
Minot$96/mo
West Fargo$88/mo
Fargo$79/mo
North Dakota$87/mo
Grand Forks
$77
Fargo
$79
Average for ND
$87
West Fargo
$88
Bismarck
$95
Minot
$96
Click here to learn about car insurance quotes and save on your current policy.

Minimum Car Insurance Requirements in North Dakota

All motor vehicles operated or parked on North Dakota roadways are required to be insured. Proof of insurance must be carried in your car at all times and must be available when:

  • Requested by law enforcement
  • Renewing vehicle registration
  • The vehicle is involved in a car accident

The minimum liability insurance requirements for private passenger vehicles in North Dakota[1] are:

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

As a major part of your liability insurance, bodily injury coverage covers medical bills for people other than the policyholder who are injured during an accident. North Dakota is a no-fault state, meaning both parties’ insurance providers will pay for expenses, regardless of which party caused the accident.

  • $25,000 per accident for property damage

If it’s determined that an insured driver is at fault for an accident, this coverage pays for repairs to the property of the other involved parties. Additionally, property damage coverage can cover legal costs if the insured driver is involved in a lawsuit following the accident.

  • $30,000 per accident for PIP

Personal injury protection coverage, also referred to as PIP coverage, will cover the policyholder for medical payments they incur in the event of an accident. Depending on your plan, you may also receive non-medical benefits, compensating you for lost wages, household expenses, and even funeral costs.

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

Uninsured and underinsured motorist coverage pays for costs caused by a driver with little or no insurance after a car accident. In North Dakota, this coverage pays for bodily injury only.

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

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.

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

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
View more

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.

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

  • 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.
  • 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.
  • 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.

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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.

Insurify Insights

How Fargo Drivers Measure Up

While most drivers know that car insurance quotes are determined in part by your personal driving history, many may be unaware that rates are also impacted by the average risk of the drivers around you as well. Check out Insurify's latest analysis of driving records in Fargo, North Dakota below:

Methodology

Drawing from an internal database of over 4 million car insurance applications, the research team at Insurify analyzes patterns in car ownership and driver behavior - including how Fargo drivers measure up to their fellow motorists across North Dakota in areas including speeding, DUIs, and more.
Insurify Insights publishes data-driven articles, trend analyses, and national rankings each week on all factors related to cars and those who drive them.

dodge

Dodge Dakota

Most Popular Car in Fargo

#2

City with the Most Speeding Tickets Rank in North Dakota

#5

City with the Most Moving Violations Rank in North Dakota

#1

City with the Most DUIs Rank in North Dakota

#5

City with the Most Suspended Licenses in North Dakota

  • 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 pay on average 57.41% more than drivers with a clean record
  • 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 pay on average 87.04% more than drivers with a clean record
  • 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 pay on average 82.41% more than drivers with a clean record
  • 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 Dodge Dakota.

Insurify Insights

Insurify's team of data scientists and content specialists presents Insurify Insights, a series of automotive, home, and health studies focusing on the topics that impact us all. through expert analysis of over 4 million car insurance applications and an array of top data sources, the Insurify Insights team produces new data-driven articles, trend analyses, regional superlatives, and national rankings every week. See Insurify Insights as featured in Forbes, Fox News, USA Today, NPR, and more.

Olivia Oksenhorn
Olivia Oksenhorn
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Content Specialist at Insurify

Olivia Oksenhorn is a content specialist at Insurify. With a special focus in auto insurance and personal finance, Olivia works to help policyholders make informed decisions about their insurance. She received a bachelor's degree from the University of Colorado. Before starting at Insurify, she worked as a writer and in newsrooms and nonprofits across Colorado, including Aspen Public Radio and the Aspen Sojourner. You can connect with Olivia on LinkedIn.

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Sources

  1. North Dakota Department of Transportation. "State Minimum Car Insurance Requirements." Accessed May 28, 2022