Cheapest Auto Insurance in Fargo, North Dakota (2025)
Midvale Home & Auto offers the cheapest liability-only insurance in Fargo, at an average of $59 a month.
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Written byAlani Asis
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3 años de experiencia en redacción de contenidos
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Alani es una escritora independiente especializada en finanzas personales. Su objetivo es hacer que los temas complejos sean más accesibles a través de contenidos divertidos y digestibles.
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Edited byCourtney Mikulski
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Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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Table of contents
Nestled along the Red River of the North, Fargo is the most populated city in North Dakota. The average cost of car insurance in Fargo is $130 a month, which is more expensive than North Dakota’s average rate of $102.
Auto insurance policies in Fargo may be more expensive than the state average due to its population density and geographical location, making it more likely for policyholders to file a claim.
Quick Facts
Midvale Home & Auto has the cheapest liability-only and full-coverage policies in Fargo, according to Insurify data.
The average cost of car insurance in Fargo is $94 a month for liability car insurance and $166 a month for full coverage.
North Dakota car insurance companies can use drivers’ credit scores to determine insurance premiums.[1]
Cheapest car insurance companies in Fargo
The right car insurance depends on various factors like your risk level, claims history, and budget. If you’re in the market for an insurance policy, these are Fargo’s best car insurance companies.
Insurance Company  | IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | Average Quote: Full Coverage | Average Quote: Liability Only | Best for |
|---|---|---|---|---|
| Bristol West | 6.7 | $194 | $85 | High-risk drivers |
| Midvale Home & Auto | 3.2 | $97 | $59 | Full coverage |
| The General | 7.1 | $153 | $102 | Students |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Our editorial team spent more than 350 hours developing the Insurify Quality (IQ) Score and scoring insurance companies. The IQ Score objectively analyzes and calculates a score for insurers using more than 15 crucial criteria. The team weighted criteria by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings.
We rate each company on a 1 to 10 scale based on five categories: financial ratings, customer satisfaction, affordability, customer support and transparency, and availability. Insurify updates ratings once a year or as more recent information becomes available.
- Third-party financial ratings: Insurify uses data from AM Best, S&P, Moody’s, and more to compare insurance companies’ credit and ability to pay out future claims.
- Customer satisfaction: To calculate this score, Insurify analyzed more than 55,000 customer reviews across 155 car insurance companies. We also consider third-party ratings from J.D. Power, the National Association of Insurance Commissioners, and Trustpilot.
- Affordability: Our data scientists analyzed more than 90 million real-time auto insurance rates from our partners across the U.S., as well as available discounts, to calculate an affordability score.
- Customer support and transparency: This measures coverage options, ease of claims filing, and the insurer's transparency surrounding discounts, coverages, and claims process.
- Availability and reach: Insurify scores availability and reach by identifying the number of states in which insurers offer coverage and company size by market share.
Best insurer for high-risk drivers: Bristol West
| User Reviews | 3.1 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 6.7 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $78/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $158/mo |
3.1
A solid optionBased on 399 verified guest reviews and ratings
How drivers feel about Bristol West
Customers appreciate the company’s helpful customer service and ease of online policy access. But they dislike the high and often increasing premiums, and some report difficulties with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
How drivers feel about Bristol West
Customers appreciate the company’s helpful customer service and ease of online policy access. But they dislike the high and often increasing premiums, and some report difficulties with the claims process.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Drivers who've had a lapse in coverage
Rideshare coverage
Reviews (167)
Miriam
April 24, 2025
Verified Review
Great, people are super responsive and helpful 10/10 highly recommend
Great! Positive!
Chontae
April 15, 2025
Verified Review
Misleading Phone Payments Could Cause Policy Lapse
I wouldn't recommend getting insurance with them. The representatives aren't truthful, and the insurance policies are overly expensive.
Shawn
April 14, 2025
Verified Review
Expensive and Reduced Coverage
They reduced my coverage and the price went up. I have a low mileage Mercedes-Benz and a 2017 model.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
2.16A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
In Fargo, 1.24% of drivers have driving violations on their record, higher than the national average of 1.21%, according to Insurify data. If you have traffic violations on your record, Bristol West may be a solid choice for car insurance, as it provides SR-22 filings and non-standard insurance to high-risk drivers.
Pros
Offers coverage to high-risk drivers
Offers coverage to drivers with no or poor credit
Cons
Limited available discounts
Poor reviews for customer service
Best insurer for full coverage: Midvale Home & Auto
| A.M. Best A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor). | A |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | NR |
Best For
Student drivers
Optional coverages
Bundling savings
Best For
Student drivers
Optional coverages
Bundling savings
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
NRNAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
1.11A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
A full-coverage policy can be beneficial when faced with increased risk factors like natural disasters, high-risk driving, and increased traffic, all of which are present in Fargo. Midvale Home & Auto offers one of the cheapest full-coverage policies in the city.
Pros
Gap insurance available
Various available discounts
Cons
No mobile app
Lower AM Best rating compared to other insurers
Best insurer for students: The General
| User Reviews | 3.4 |
|---|---|
| IQ Score The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-ten scale. The Insurify editorial team researches insurer data to determine the final scores. | 7.1 /10 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $107/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $172/mo |
3.4
A solid optionBased on 896 verified guest reviews and ratings
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
How drivers feel about The General
Customers appreciate the ease of payment and availability of ID cards but are dissatisfied with the high premiums and poor customer service. They also report issues with claims handling and unexpected rate increases.
AI-generated from the text of verified reviews collected by Insurify
Best For
High-risk drivers
Robust mobile app
SR-22 insurance
Reviews (470)
Kimothy
June 22, 2025
Verified Review
Much more affordable.
Fast and just what I wanted. Lower-priced insurance. I have an older car, and I only drive about 2 miles a day, and my job is only one minute away. My previous insurance was nearly $80 a month! I just couldn’t keep paying that much. I got it down to almost half that with The General.
Jessica
June 6, 2025
Verified Review
So far not a good one
My payments are not what they said they were going to be, and now after paying the down payment of $200, I can't afford the first payment because it's double what was promised. I really feel this was done on purpose.
Anthony
June 6, 2025
Verified Review
New customer discounts not for existing customers
Cheap insurance. They treat new customers with discounts that existing customers can't get.
JD Power
J.D. Power data measures overall customer satisfaction and claims satisfaction based on a 1,000-point scale.
585NAIC Index
Average amount of customer complaints relative to competitors on a 0-5 scale. A lower score represents fewer complaints.
3.51A.M. Best
A.M. Best analyzes an insurer’s financials, operating performance, business profile, and other factors to generate an opinion-based rating of a company’s financial and credit strength. Ratings range from A++ (exceptional) to D (poor).
AWhy we picked this company
Fargo is home to North Dakota State University and more than 12,000 NDSU undergraduates. If you’re a student with good grades, The General offers discounts to help you lower your costs.
Pros
Files SR-22 for high-risk drivers
Highly rated mobile app
Cons
Limited coverage options advertised
No bundling discounts
How to get the cheapest car insurance in Fargo
Just because an auto policy has the lowest rates doesn’t mean it’s right for you. When shopping for a car insurance policy, look for an insurer with a solid reputation and coverages that fit your needs. Finding quality coverage and staying within your budget is possible.
Here are some tips for getting cheap car insurance in Fargo:
Shop around. Comparing quotes from multiple insurance companies can help you get the lowest price for your ideal policy. The Insurance Information Institute recommends gathering quotes from at least three different insurance companies.[2]
Improve your credit score. A high credit score indicates you’re less likely to file a claim. Therefore, people with good to excellent credit tend to snag the best rates.
Find discounts. Qualifying for vehicle, driving history-related, affiliation, policy-related, and driver-specific discounts can significantly curb your auto insurance rates.
Increase your deductible. A higher deductible can help you save money on your premiums. Ensure you can afford the higher deductible if you need to file a claim.
Bundle policies. Get savings on your car insurance policy by bundling it with multiple insurance products, like a life or homeowners insurance policy.
Find Cheap Car Insurance in Fargo, North Dakota
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Cheapest liability-only car insurance in Fargo
Liability-only insurance is the minimum required liability coverage in North Dakota and costs an average of $94 a month. This policy only covers medical expenses and vehicle repairs of the other party if you’re at fault in an accident.
The table below illustrates more car insurance companies with the most affordable liability-only policies.
Insurance Company | Average Monthly Quote |
|---|---|
| Midvale Home & Auto | $59 |
| Safeco | $72 |
| The General | $102 |
| Bristol West | $85 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest full-coverage car insurance in Fargo
While a liability-only insurance policy covers the other party’s damages and injuries in an at-fault accident, full-coverage insurance offers liability coverage and protection for your vehicle.
If you have a high-value car or drive frequently, consider protecting your vehicle with full-coverage insurance. Keep in mind that your lender may require you to carry this policy if you have a loan or lease on your car. In contrast, a liability-only policy may suffice for those who rarely drive or can’t afford full-coverage insurance.
The average cost of full-coverage auto insurance in Fargo is $166 a month, but drivers may also consider these insurance companies for cheap full-coverage policies.
Insurance Company | Average Monthly Quote |
|---|---|
| Midvale Home & Auto | $97 |
| Safeco | $134 |
| The General | $153 |
| Bristol West | $194 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Car insurance requirements in North Dakota
North Dakota is a no-fault state, meaning you must carry your own car insurance medical coverage via medical payments or personal injury protection (PIP) coverage. And if you drive without insurance, the state may fine you $150 and require you to file SR-22 insurance.
Here are North Dakota’s minimum insurance requirements:[3]
Coverage | Minimum Requirements |
|---|---|
| Bodily injury liability coverage | $25,000 per person / $50,000 per accident |
| Property damage liability coverage | $25,000 per accident |
| Uninsured/underinsured motorist coverage | $25,000 per person / $50,000 per accident |
| First-party benefits | $30,000 per person |
While North Dakota residents can drive legally with just the minimum requirements above, it may not be enough to feel fully protected on the road. Here are some additional coverages to consider adding to your policy:
Collision coverage
Typically part of a full-coverage policy, collision coverage pays for vehicle repairs when you hit an object or another vehicle, even if you’re at fault.
Comprehensive coverage
Also usually in a full-coverage policy, comprehensive coverage pays for vehicle repairs resulting from non-collision incidents like vandalism, falling objects, theft, or natural disasters.
Gap insurance
Gap insurance covers the difference between the current value of your car and the outstanding balance of your auto loan or lease in the event of a total loss.
Rental car reimbursement
You can tap into this coverage to pay for a rental car while your vehicle is in the shop for repairs.
North Dakota Automobile Assigned Claims Plan
Cheapest car insurance for drivers with an incident
Driving incidents include speeding tickets, driving under the influence (DUI), at-fault accidents, and other moving violations. Drivers with an incident on their records can expect to pay more expensive car insurance premiums because of the higher risk of filing a claim they pose to insurance companies.
Cheapest recent rates near Fargo, North Dakota
Drivers using Insurify have found quotes as cheap as $30/mo for liability only and $79/mo for full coverage in Fargo and other North Dakota cities.
*Quotes generated for Insurify users in and around Fargo, North Dakota within the last 10 days. Last updated on July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fargo, North Dakota within the last 10 days. Last updated on July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Rates shown are real-time Insurify user quotes from 500+ insurance companies and Quadrant Information Services data. Insurify’s algorithm excludes anomalous quotes and anonymizes personal details, then displays refined quotes by price, date, and insurer popularity up to 10 days ago from July 1, 2025. Actual quotes may vary based on the policy buyer’s unique driver profile.
Cheapest car insurance for drivers with a speeding ticket
Speeding tickets indicate that you’re more likely to engage in risky driving behavior, causing an increase in your insurance premiums. In 2021, 34% of fatal car crashes in North Dakota involved speeding or aggressive driving.[4] But a speeding ticket doesn’t have to prevent you from getting an affordable car insurance policy.
The table below also shows some of Fargo’s best companies for drivers with speeding tickets.
Insurance Company | Clean Driving Record | With Speeding Ticket |
|---|---|---|
| Midvale Home & Auto | $59 | $80 |
| Safeco | $72 | $96 |
| The General | $102 | $137 |
| Bristol West | $85 | $113 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with an at-fault accident
In 2021, North Dakota had more than 9,500 vehicle crashes resulting in fatalities, injuries, and property damage.[4] An at-fault accident can result in rate increases, as it indicates to insurers that you’re more likely to cause future accidents. However, high-risk drivers still have available options when it comes to budget-friendly car insurance.
These insurance companies also offer the best deals for drivers in Fargo with an at-fault accident on their records.
Insurance Company | Clean Driving Record | With Accident |
|---|---|---|
| Midvale Home & Auto | $59 | $85 |
| Safeco | $72 | $102 |
| The General | $102 | $146 |
| Bristol West | $85 | $121 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for drivers with a DUI
You may have to carry an SR-22 certificate if you have a DUI conviction to prove you have the minimum coverage required in North Dakota. Many insurers may refuse to offer insurance coverage to high-risk drivers. And if they offer insurance, it’s usually at a lofty rate.
While you can’t undo a DUI, you can mitigate the financial effect of increased premiums by finding an affordable policy. These companies also provide competitive rates for people with a DUI on their motor vehicle record.
Insurance Company | Clean Driving Record | With DUI |
|---|---|---|
| Midvale Home & Auto | $59 | $92 |
| Safeco | $72 | $111 |
| The General | $102 | $159 |
| Bristol West | $85 | $131 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for seniors
More driving experience usually results in lower rates. However, this isn’t always the case. While insurance premiums wane at age 35, they may climb at 75. Seniors see higher insurance rates as age-related conditions, like slower reaction times or decreased hearing and vision, increase their risk on the road.[5]
Regardless, you can still get low-cost coverage in your 70s. These auto insurance companies also offer cost-effective options for senior drivers in Fargo.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Midvale Home & Auto | $68 | $42 |
| Safeco | $94 | $50 |
| The General | $107 | $72 |
| Bristol West | $136 | $59 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
Cheapest car insurance for teens
Teenagers pay some of the highest car insurance rates due to their lack of experience on the road. However, teen drivers can lower costs by staying on their parents’ policy, driving safe vehicles, and getting good grades in school.
They can also take advantage of insurance companies offering the best rates for teen drivers. The table below displays more cheap car insurance companies for young drivers.
Insurance Company | Full Coverage | Liability Only |
|---|---|---|
| Midvale Home & Auto | $179 | $110 |
| Safeco | $248 | $132 |
| The General | $283 | $189 |
| Bristol West | $358 | $157 |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.
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Fargo car insurance quotes by credit tier
Insurance companies in North Dakota can use your credit score to determine your rates. North Dakota drivers with excellent or good credit scores often pay lower premiums, while drivers with poor credit scores may pay higher premiums.[1]
Is car insurance more expensive in Fargo?
The average monthly cost of car insurance in Fargo is $130, while the national monthly average is $151. Fargo’s car insurance rates are cheaper than the national average, but this figure can vary by city. For instance, the average policy in Minot is 21% more expensive than in Fargo. Factors like crime rates, traffic density, and accident rates in the city can affect premiums for everyone.
More cities in North Dakota
According to Insurify data, Williston, Minot, and Grand Forks drivers have higher rates than Fargo drivers. While residents of Bismarck, the capital of North Dakota, pay lower rates than drivers in Fargo.
City | Average Monthly Quote | Compared to Fargo |
|---|---|---|
| Bismarck | $145 | -13% |
| Grand Forks | $191 | 15% |
| Minot | $202 | 22% |
| Williston | $194 | 17% |
Disclaimer: Table data sourced from real-time quotes from Insurify's 500+ partner insurance providers. Actual quotes may vary based on the policy buyer's unique driver profile.
Fargo car insurance FAQs
Learn more about SR-22 insurance in North Dakota, and check out the answers to common questions about Fargo car insurance below.
How much is car insurance in Fargo?
The average cost of car insurance in Fargo is $94 a month for liability car insurance and $166 a month for full coverage.
Which company has the cheapest car insurance in Fargo?
Some of the cheapest car insurance companies in Fargo include The General, Midvale Home & Auto, and Safeco. These companies have average premiums less than the city’s average rates.
What are the best car insurance companies in Fargo?
Among the best car insurance companies in Fargo are Safeco and Midvale Home & Auto. These companies have solid coverage offerings, relatively cheap rates, and plenty of discounts for drivers to qualify for. However, the best company for you depends on your personal needs and budget, so you should compare quotes from three or more companies to find the best insurer for you.
What is the minimum auto insurance in North Dakota?
North Dakota requires drivers to carry 25/50/25 liability and uninsured motorist coverage limits. This translates to $25,000 per person and $50,000 per accident in bodily injury liability coverage and $25,000 in property damage liability coverage. The state also requires $30,000 in personal injury protection.[3]
How much is car insurance for an 18-year-old in North Dakota?
The average cost of car insurance in North Dakota for 18-year-olds and teen drivers is $277 a month for full coverage and $166 for liability coverage.
Methodology
Insurify data scientists analyzed more than 90 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
- Bodily injury limits between state-minimum rates and $50,000 per person, $100,000 per accident
- Property damage limits between $10,000 and $50,000
- No additional coverage
- Comprehensive coverage with a $1,000 deductible
- Collision coverage with a $1,000 deductible
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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Sources
- North Dakota Insurance Department. "Credit Scores and Insurance."
- III. "How to find the right auto insurance."
- North Dakota Insurance Department. "Auto."
- Vision Zero. "2021 North Dakota Crash Summary."
- III. "Senior driving safety and insurance tips."
)
Alani Asis
Alani Asis is a personal finance freelance writer with nearly three years of experience in content creation. She has landed bylines with leading publications and brands like Insider, Fortune, LendingTree, and more. Alani aims to make personal finance approachable through fun, relatable, and digestible content.
Alani has been a contributor at Insurify since January 2023.
Courtney MikulskiSenior Editor, Auto
Over 3 years of experience producing content on insurance and personal finance.
Key architect of Insurify's quality score.
Courtney's deep knowledge of personal finance goes beyond insurance and includes credit cards, consumer loans, and banking. She loves creating practical content.
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