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Cheapest Auto Insurance in Fargo, North Dakota (2023)

Midvale Home & Auto offers the cheapest liability-only insurance in Fargo, at an average of $59 a month.

Alani Asis
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Alani Asis

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Courtney Mikulski
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Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

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Updated November 7, 2023 at 11:00 AM PST

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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 $119.

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 CompanyIQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
Average Quote: Full CoverageAverage Quote: Liability OnlyBest for
Bristol West2.2$194$85High-risk drivers
Midvale Home & Auto3.2$97$59Full coverage
The General3.4$153$102Students
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

  • Insurify uses an in-house, proprietary method to rate and review the best car insurance companies. The Insurify Quality (IQ) Score uses more than 15 crucial criteria, including average premiums, customer satisfaction, discounts, third-party ratings, and more, to calculate a final score for a company.

    Criteria are weighted by importance to the consumer — factors such as customer reviews and affordability influence the score more than availability and third-party ratings. With the IQ Score, Insurify is able to provide quantitative ratings for drivers to better compare car insurance companies and make informed decisions to meet their coverage needs.

Best insurer for high-risk drivers: Bristol West

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
2.2
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
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.
$178/mo

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

Too expensive.

Gregory - August 26, 2023
Verified

The agents are nice, but the price seems high.

Ashley - March 17, 2023
Verified

It’s a great company, but the renewal fee went up too much.

Jacqueline - January 6, 2023
Verified
Read our Bristol West review

Best insurer for full coverage: Midvale Home & Auto 

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.2
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
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.
$52/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.
$88/mo

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

Compare personalized, real-time quotes
IQ Score
The Insurify Quality (IQ) Score uses more than 15 criteria to objectively rate insurance companies on a one-to-five scale. The Insurify editorial team researches insurer data to determine the final scores.
3.4
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
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.
$95/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.
$136/mo

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

I can get insurance cheaper by 100 dollars elsewhere.

Robbalee - September 10, 2023
Verified

They are a good company.

Charles - July 11, 2023
Verified

I don't like the plan, but the rest of their plans are too expensive!!! I need full coverage.

Judith - July 1, 2023
Verified
Read our The General review

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 CompanyAverage 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 50-plus 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 CompanyAverage 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 50-plus 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]

CoverageMinimum 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:

  • illustration card https://a.storyblok.com/f/162273/x/169fdfde11/liability-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/665da91bf7/comprehensive-coverage.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/x/abffe6238f/financial-protection.svg

    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.

  • illustration card https://a.storyblok.com/f/162273/100x100/24f1697280/car-key.svg

    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.

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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 CompanyClean Driving RecordWith 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 50-plus 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 CompanyClean Driving RecordWith 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 50-plus 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 CompanyClean Driving RecordWith 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 50-plus 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 CompanyFull CoverageLiability 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 50-plus 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 CompanyFull CoverageLiability 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 50-plus partner insurance providers and quote estimates from Quadrant Information Services. Actual quotes may vary based on the policy buyer's unique driver profile.

Find Car Insurance for Teens in Fargo

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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 $154. 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 QuoteCompared to Fargo
Bismarck$145-13%
Grand Forks$19115%
Minot$20222%
Williston$19417%
Disclaimer: Table data sourced from real-time quotes from Insurify's 50-plus 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 $159 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 50+ 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
Full-coverage premium averages correspond to the same bodily injury and property damage limits in addition to:
  • 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.

Related articles

More cities in North Dakota

Popular cities

Sources

  1. North Dakota Insurance Department. "Credit Scores and Insurance." Accessed September 14, 2023
  2. III. "How to find the right auto insurance." Accessed September 14, 2023
  3. North Dakota Insurance Department. "Auto." Accessed September 14, 2023
  4. Vision Zero. "2021 North Dakota Crash Summary." Accessed September 14, 2023
  5. III. "Senior driving safety and insurance tips." Accessed September 14, 2023
Alani Asis
Alani Asis

Alani Asis is an SEO-savvy, 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.

Learn More
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Courtney Mikulski
Edited byCourtney MikulskiSenior Editor, Auto
Courtney Mikulski
Courtney MikulskiSenior Editor, Auto

  • 3+ years producing insurance and personal finance content

  • Main architect of the Insurify Quality Score

Courtney’s deep personal finance knowledge extends beyond insurance to credit cards, consumer lending, and banking. She thrives on creating actionable content.

Read Editorial Guidelines

View Full Bio

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