Best car insurance in Fargo, ND (2024)

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Gianetta PalmerContributing WriterGianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.&Rachael BrennanSenior Editor & Licensed Auto Insurance ExpertRachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Edited by

Anna SwartzAnna SwartzSenior Managing EditorAnna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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Fargo drivers pay an average of $1,210 per year for full coverage car insurance. Compared to the North Dakota state average of $1,405, Fargo residents pay $194 less than other drivers in the state for the same coverage.

Ready to shop car insurance?

But Fargo drivers can save even more on their car insurance by comparing quotes from multiple companies before buying a policy. Policygenius can help you see what you’ll pay with top companies so you can choose a policy that meets your needs.

Key takeaways

  • USAA Insurance has the lowest average rates in Fargo at $718 per year for full coverage.

  • The ZIP code with the cheapest rates in Fargo is 58104, with average yearly rates of $1,193.

  • North Dakota requires at least $25,000 per person/$50,000 per accident in bodily injury liability and $25,000 in property damage liability.

  • North Dakota also requires uninsured/underinsured motorist coverage and personal injury protection.

Methodology & why you can trust our rates

Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:

  • Bodily injury liability: $50,000 per person/$100,000 per accident

  • Property damage liability: $50,000

  • Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident

  • Comprehensive: $500 deductible

  • Collision: $500 deductible

In some cases, additional coverages were added where required by state or insurer.

Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.

Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.

Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.

Cheapest car insurance companies in Fargo, ND

Personal information like your age, address, credit score and driving record all impact your rates, but costs can also vary from one car insurance company to the next. The best way to make sure you’re getting the best rates possible is to compare quotes before you buy a policy.

Company

Average cost

JD Power Rating

USAA

$60/month

890

State Farm

$65/month

882

Nodask Insurance

$81/month

--

GEICO

$82/month

874

American Family

$83/month

874

Cheapest car insurance rates by ZIP code in Fargo, ND

Insurance companies look at the number of car accidents and accident claims, stolen and vandalized vehicles, and other risks in your neighborhood when setting your rates.

ZIP code

Average cost

58104

$1,193

58102

$1,208

58103

$1,216

58105

$1,228

Choosing the right car insurance company in Fargo, ND

There’s no one right company for every driver in Fargo, so the best way to find the right company for you is to shop around and compare rates before you buy a policy. Policygenius makes it easy to see what you’ll pay for coverage from top car insurance companies, so you can feel confident you’re making the right choice.

Car insurance rates for drivers with driving violations in Fargo, ND

Your driving history is one of the biggest factors insurance companies use to determine insurance rates. If you’ve been caught running a stop sign or been arrested for driving under the influence, you'll pay more for car insurance, sometimes by hundreds of dollars a year.

Violation

USAA

State Farm

Nodask Insurance

GEICO

American Family

At-fault accident

$1,089

$930

$1,270

$2,425

$1,566

Suspended license

$1,779

$858

$1,672

$922

$1,783

Open container

$1,592

$858

$1,672

$922

$1,363

Expired registration

$927

$858

$1,070

$922

$1,363

Driving without lights

$777

$858

$1,270

$922

$1,363

Running a red light

$927

$858

$1,270

$922

$1,363

Following too closely

$927

$858

$1,270

$922

$1,363

Hit and run

$1,921

$858

$1,672

$3,730

$1,783

Not-at-fault accident

$777

$787

$1,070

$970

$1,073

Passing a school bus

$1,058

$858

$1,270

$922

$1,363

Reckless driving

$1,592

$858

$1,672

$2,890

$1,783

Collapse table

Cheapest car insurance for drivers with a DUI in Fargo, ND

Company

Rates for drivers with DUIs

State Farm

$858

American Family

$1,363

Nodask Insurance

$1,672

USAA

$1,854

GEICO

$3,730

Cheapest car insurance for drivers with a speeding ticket in Fargo, ND

Company

Rates for drivers with speeding tickets

State Farm

$858

USAA

$927

Nodask Insurance

$1,270

American Family

$1,363

GEICO

$1,389

Cheapest car insurance for drivers with bad credit in Fargo, ND

A bad credit score often means insurance companies will charge you more for car insurance, so if you know you have poor credit, take time to shop around to find your most affordable rates.

Company

Rates for drivers with bad credit

USAA

$1,297

GEICO

$1,462

Nationwide

$1,467

American Family

$1,667

State Farm

$1,708

Ready to shop car insurance?

Buying car insurance in Fargo, ND

North Dakota state law says that all vehicles registered in the state have the following types of minimum liability insurance:

  • Bodily injury liability coverage per person: $25,000

  • Bodily injury liability coverage per accident: $50,000

  • Property damage liability coverage: $25,000

  • Personal injury protection: $30,000 maximum per person

  • Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident

North Dakota is a no-fault state, which means that after a car accident, every driver must get reimbursement for their injuries from their own car insurance company, regardless of who was at fault (that’s what personal injury protection is for).

The state also follows modified comparative negligence laws, which means if you’re more than 50 percent responsible for an accident, you can’t collect any damages from the other driver. However, if you’re less than 50 percent responsible, you can collect damages, minus the percentage that you’re at fault.

How to get cheap car insurance in Fargo, ND

Making sure you’re getting all the discounts you qualify for is a great way to save on car insurance. Some of the most common car insurance discounts include:

  • Safe driver discount: For drivers who have no accidents on their claims history

  • Bundling discount: For getting your home and auto insurance policies with the same company

  • Low mileage discount: For drivers who commute less than 7,500 miles annually

  • Military discount: For active-duty service members and their families

Discounts vary by company, and you might not qualify for any of them. However, a simple way to make sure you get the cheapest car insurance rates around is by comparing quotes from top companies.

Frequently asked questions

Who has the lowest car insurance rates in Fargo?

According to our research, USAA has the lowest insurance rates in the state, at $718 per year for full coverage. State Farm has the lowest car insurance rates in Fargo for people who aren't in the military.

How much is car insurance per month in North Dakota?

The average cost of car insurance in North Dakota is $117 per month, or $1,405 per year.

Is car insurance expensive in North Dakota?

Drivers in North Dakota pay an average of $1,405 per year for car insurance, which is $218 cheaper than the national average. Drivers in North Dakota can save even more money on insurance by comparing quotes from multiple companies.

What is the average cost of car insurance in North Dakota?

Drivers in North Dakota pay an average of $1,405 per year, which breaks down to $117 per month. Drivers in Fargo pay even less, with a monthly average rate of $101.

Authors

Gianetta Palmer is a contributing writer at Policygenius, where she covers life insurance, home insurance, and auto insurance. Her writing has also appeared in TIME, Readers Digest, Healthline, and elsewhere.

Rachael Brennan is a senior editor and a licensed auto insurance expert at Policygenius. Her work has also been featured in MoneyGeek, Clearsurance, Adweek, Boston Globe, The Ladders, and AutoInsurance.com.

Editor

Anna Swartz is a senior managing editor who specializes in home, auto, renters, and disability insurance at Policygenius. Previously, she was a senior staff writer at Mic and a writer at The Dodo. Her work has also appeared in Salon, HuffPost, MSN, AOL, and Heeb.

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