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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.
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.
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.
| Cheapest Companies | |
|---|---|
 Progressive | $21/mo |
 State Farm | $58/mo |
 Allstate | $59/mo |
 The General | $113/mo |
 American Family | $142/mo |
North Dakota Cities | |
|---|---|
| Bismarck | $95/mo |
| Grand Forks | $77/mo |
| Minot | $96/mo |
| West Fargo | $88/mo |
| Fargo | $79/mo |
| North Dakota | $87/mo |
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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:
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:
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.
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:
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.
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 |
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.
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 |
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.
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.
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.
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.
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.
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.
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.
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 F-Series Pickup.
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.
The car insurance quotes, statistics, and data visualizations on this page are derived from Insurify’s proprietary database of over 4 million car insurance applications from ZIP codes across the United States. Insurify’s data science team performs a comprehensive analysis of the various factors car insurance providers take into account while setting rates to provide readers insight into how car insurance quotes are priced.
