Cheap Car Insurance in Fargo, ND

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Chris Tepedino is a feature writer that has written extensively about auto insurance for numerous websites. He has a college degree in communication from the University of Tennessee and has experience reporting, researching investigative pieces, and crafting detailed, data-driven features. His works have been featured on CB Blog Nation, Flow Words, Healing Law, WIBW Kansas, and ...

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Rachael Brennan has been working in the insurance industry since 2006 when she began working as a licensed insurance representative for 21st Century Insurance, during which time she earned her Property and Casualty license in all 50 states. After several years she expanded her insurance expertise, earning her license in Health and AD&D insurance as well. She has worked for small health in...

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Reviewed by Rachael Brennan
Licensed Insurance Agent

UPDATED: Nov 17, 2020

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Are you in need of auto insurance in Fargo? From, you could get the lowest cost insurance policy close to you. To find free car insurance quotes from the leading providers right now, provide your local zip code in the quote box in this posting.

As the largest city in all of North Dakota, has a rich history and dynamic culture. The city was originally founded during the heyday of the Northern Pacific Railway as a transportation hub for the wheat industry. And although agriculture as a business has waned in recent years, agricultural research is still an important part of Fargo’s economy. The city has also earned several awards from Money Magazine for being one of the country’s “most livable” cities.

  • Fun fact: are we there yet? Because Fargo is #8 on the list of "Top 100 cities with shortest commuting times (pop. 50,000+)".

Auto Insurance Coverage Requirements in North Dakota

Driving legally in Fargo requires:

Coverage Requirements Most Common
Bodily Injury Liability 25,000/50,000 100,000/300,000
Property Damage Liability 25,000 100,000
Uninsured Motorist Bodily Injury 25,000/50,000 100,000/300,000
Underinsured Motorist Bodily Injury Not required 100,000/300,000
Collision Not required 500 deductible
Comprehensive Not required 250 deductible

However, keep in mind that purchasing the state mandatory minimum insurance coverage is extremely limited in what claims it will pay out. For theft, vandalism, or an accident that is the other driver's fault, your insurance will not cover you.

The average motorist in North Dakota might find themselves paying as high as $143 per month for their automotive insurance - while smart Fargo drivers can get great deals as low as $30*/mo! To learn how to become one of these few, keep reading.

Average Monthly Auto Insurance Premiums Legend: Fargo State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 $22 $30 $32 $36


State Auto and Liberty Mutual have some of the most affordable rates for Fargo drivers currently. However, there's more to good automotive insurance coverage than a low monthly rate. Do they have friendly customer service? Will they pay out on claims as outlined in your agreement? Make sure you get good background information on all your prospective insurance companies before you make a final decision.

Auto insurance providers consider many elements when determining quotes, such as driving experience, driving violations, type of vehicle owned, miles driven each year, and business use of the vehicle. Furthermore, premiums differ from carrier to carrier. To verify you are still getting the cheapest fee, examine cheap Fargo auto insurance rates over the internet.

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Major Car Insurance Factors in Fargo

There is a number of many things that can factor into the rate quotes you get. Although many specific details aren’t actually something you can do something about, some of them are variables which you can change for the better. Here are a few factors which may change your automobile insurance premium:

Your Zip Code

Most of the time, the lowest priced car insurance is generally associated with metropolitan areas having a smaller population density. Because there are a lesser number of cars on the streets, there are a lot fewer opportunities to get into a serious car wreck with a different motorist. The population of Fargo is actually 113,658 plus the typical household income is $44,845.

Auto Insurance by Zip Code Legend: Bismarck Fargo Minot Grand Forks West Fargo State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 $22 $22 $23 $21 $22 $26 $30 $27 $25 $30 $30 $32 $33 $27 $32 $33 $36 $32 $34 $36


Automotive Accidents

Take a look at the serious accident statistics in the chart above. The more accidents that happen in your area, the more likely it is that your monthly premiums will rise. Of course, you can always contact your insurer and ask about Safe Driver discounts.

Fatal Accidents in Fargo, ND Legend: Fargo Fatal accident count Vehicles involved in fatal crashes Fatal crashes involving drunk persons Fatalities Persons involved in fatal crashes Pedestrians involved in fatal accidents 1 2 3 4 5 6 3 5 3 6 1


Auto Thefts in Fargo

Automobile theft is a major problem, specifically in highly populated urban centers. If your locale and/or vehicle model put you at a greater risk for theft, you could have trouble finding low-cost car insurance. The full number of stolen automobiles in Fargo was 166 for the year 2013. To protect yourself from automotive theft, make sure your policy has some form of Comprehensive coverage on it.

Basic vs. Comprehensive Auto Policy Legend: Basic Coverage Comprehensive Coverage State Auto Liberty Mutual State Farm Allstate 15 30 45 60 75 90 105 120 135 150 165 $22 $89 $30 $174 $32 $82 $36 $114


Your Credit Score

Your credit score can have a bigger impact on your monthly premiums than you might think. Just look at the data presented in the following chart. For someone with excellent credit, their monthly premium might be anywhere from 50-75% cheaper than the monthly costs for someone with poor credit.

Auto Insurance by Credit Score Legend: Excellent Credit Poor Credit State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 $20 $42 $30 $30 $26 $59 $30 $51


Your Age

Young, inexperienced drivers will generally be charged much higher rates per month than someone in their 30's, 40's, or beyond. The less experience you have behind the wheel, the more likely you are to cause an accident. Charging teenage drivers a higher premium is the insurance company's way of offsetting potential expenses.

Auto Policy Age Comparison Legend: 34 Year Old 17 Year Old State Auto Liberty Mutual State Farm Allstate 15 30 45 60 75 90 105 120 135 150 $22 Do Not Sell $30 $101 $32 $106 $36 $151


Your Driving Record

Another major factor which influences your auto insurance premiums is your driving record. For minor violations, such as a speeding ticket or a "fender-bender", you insurance will increase somewhat (anywhere between 18-30%, depending on the violation). However, some companies with an "Accident forgiveness" policy may ignore past discrepancies from your record. But for more serious violations, such as a DUI, your car insurance rates could double in price virtually overnight. Some major providers might discontinue your coverage entirely for being cited with a DUI or a reckless driving violation.

Driving Violations Legend: Perfect Record Minor Speeding Ticket DUI/Reckless Driving Major At-Fault Accident State Auto Liberty Mutual State Farm Allstate 5 10 15 20 25 30 35 40 45 50 55 $22 $31 $41 $32 $30 $30 Do Not Sell $38 $32 $35 $35 $39 $36 $39 $56 $43


Your Vehicle

Generally speaking, the only major factor which auto insurance companies care about is how much it will cost them to replace your car in the event of a serious accident. Because luxury vehicles, such as porches, are so much more expensive than regular sedans, you can see in the chart above that monthly premiums for these automobiles are much higher.

Car Insurance by Make/Model Legend: 2015 Honda Accord 2012 Porsche Boxster Spyder State Auto Liberty Mutual State Farm Allstate 20 40 60 80 100 120 140 160 180 $22 $97 $30 $191 $32 $101 $36 $168


Minor Car Insurance Factors in Fargo

In North Dakota, as well as in many other states, you might be able to squeeze out some additional discounts by looking into these factors below:

Your Marital Status

For single policies, marital status is a negligible factor when determining your premiums. However, married couples have the option of bundling their policies together. Most insurance providers will offer substantial discounts for this.

Your Gender

Think men are terrible drivers? Well, your insurance provider will most likely beg to differ. Many companies these days are offering the exact same monthly premiums, regardless of gender. And providers who charge different premiums for men and women only do so by a few dollars per month.

Your Driving Distance to Work

While the average commute time in Fargo will probably last between 12-15 minutes each way, 15-20 minute commutes are not all that rare either. Most drivers (82%) will drive to work alone in their own vehicle, while 3-11% will carpool.

Some companies will adjust your rate based on why you drive, or how far you drive each year. Even though your provider might request this information from you, driving a few thousand miles each year for pleasure tends to cost about the same as driving tens of thousands of miles for work, give or take a few percentage points. However, if your automobile is registered as a business vehicle on your insurance policy, you could be looking at 10-15% higher premiums each month.

Your Coverage and Deductibles

Obviously, someone who only buys the state minimum mandatory coverage will pay less per month than a driver with additional coverage on their policy. If you feel you need more than the mandatory minimum coverage, but don't want to pay expensive premiums each month, try raising your deductible. This is especially economical for safe drivers who don't anticipate a need to file multiple claims.

Education in Fargo, ND

Fargo is a highly educated city where nearly one-quarter of the population possesses a bachelor’s degree. This is good news if you’re looking to lower your car insurance rate, because providers love giving discounts to motorists who have accomplished a higher education. Additionally, 21% of residents have earned their high school diploma.

About a dozen vocational schools and three major universities operate within the major Fargo metropolitan area. The Fargo campus of North Dakota State University educates well over 10,000 students each year, offering a variety of four-year and higher level degrees. Tri-College University allows students to take classes and nearby colleges for no additional charge. For a specialized degree, you may also be interested in Moorhead Technical College. Read up on Fargo by clicking here.

Analyzing your own financial risk can be quite challenging or inconceivable for the typical insurance consumer. Insurance agencies possess an edge on consumers due to their research and experiential know-how. Find out the things insurance agencies don’t wish for people to know.

How We Conducted Our Car Insurance Analysis

*We calculated our average rate based on the following metrics: a married, 34 year old male with good credit, a 12-month history of maintaining auto insurance, a clean driving record, who owns his own home. Miles driven annually were based on the national average. The average rate was also calculated based on a financed 2015 Honda Accord with a pre-installed anti-theft device.


North Dakota Insurance Department

North Dakota Department of Financial Institutions

Department of Highway Safety and Motor Vehicles

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