Cheap Car Insurance in West 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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In the market for auto insurance in West Fargo? With, you could get the best insurance premiums locally. To get free car insurance rates available from the best providers immediately, key your local zipcode into the quote box here on this page.

West Fargo is located near the south-eastern corner of North Dakota. Currently, it is one of the fastest growing cities not just in North Dakota, but also the United States. In the past, West Fargo has been home to the likes of Anthony W. England, a NASA astronaut, and Tyler Roehl, formerly of the NFL.

  • Fun fact: Guten tag! Did you know that nearly 48% of West Fargo residents are of German Ancestry?

Auto Insurance Coverage Requirements in North Dakota

Driving legally in West 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

But remember that state minimum coverage is extremely limited. Such insurance will only pay out claims in the event that you get into an accident which you are deemed liable for (if the accident is your fault). If your car is stolen, or if you get into an accident caused by someone else who is insured, your insurance will not pay out on any claims.

In some parts of North Dakota, insurance can cost as much as $143 per month for certain motorists, on average. However, living in West Fargo can give you the option of getting insurance for as little as $30/mo*!

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


For West Fargo, State Auto and Liberty Mutual have some of the lowest rates around. But insurance isn't all about premiums. Customer service is important, as well as the claims filing process. Make sure you do your research and find the company that's right for you.

Auto insurance carriers consider different elements when calculating insurance rates, which includes marital status, zip code, type of vehicle owned, driving distance to work, and current insurance coverage and limits. Also keep in mind that premiums might vary from carrier to carrier. To verify you’re still getting the most affordable rate, do a comparison of cheap West Fargo auto insurance premiums on the web.

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Major Car Insurance Factors in West Fargo

There are several ways your car insurance rate can be estimated. But not all of it is out of your control; there are things you can do in order to impact what discounts you are eligible to receive. Listed here are a few of these components in greater detail:

Your Zip Code

Your car insurance rates could vary according to the place you live. In general, populous areas possess increased car insurance rates as the extra amount of car owners on the streets increases the probability of a car accident! The population of West Fargo is 29,878 and the average family income is $67,613.

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

As you can see from the chart, serious accidents are quite rare in West Fargo. This means that your area is already likely benefitting with lower insurance premiums. However, feel free to inquire about Safe Driver discounts if you want to save even more.

Fatal Accidents in West Fargo, ND Legend: West 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 1 1 1 1 1


Auto Thefts in West Fargo

Automobile theft is a major problem, especially in populous locations. If your locale and/or vehicle model put you at a higher risk for theft, you could have issues acquiring low-cost car insurance. The total number of stolen vehicles in 2006 was 26 for West Fargo. But just because the accident statistics are low, doesn't mean you shouldn't try and protect yourself from auto theft. And the only type of coverage which pays out theft claims is Comprehensive coverage.

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

It turns out that your credit score is one of the biggest influential factors when it comes to determining your insurance premiums. Just look at the chart below. If you have poor credit, your rates could be anywhere from 2x to 3x higher than someone with better 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

As you can see from the chart below, young teenage drivers get charged significantly higher rates. Their youth, as well as their lack of driving experience, make them much more risky to insure. However, teenage drivers can try to alleviate some of this financial burden by looking into a Good Student discount, or taking additional driver education courses.

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

A clean driving record will get you the lowest rate, while accidents and tickets will raise your monthly cost. Too many citations, or serious violations such as a DUI, might result in a loss of coverage all together. Be sure to talk to your insurer about Accident Forgiveness discounts in order to save some money.

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

Luxury vehicles will cost more to replace, and also require more coverage, hence the extra expense. Less expensive and fairly common cars, however, typically don't cost as much to insure.

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 West 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

No matter what you may have heard, there is no significant difference in risk between male and female drivers - according to most insurance companies. If your provider charges a different rate at all, it should amount to no more than 2-3%. And some companies reward female drivers, while other providers charge less for males.

Your Driving Distance to Work

Generally, your work commute in West Fargo should only last about 15-17 minutes. However, longer times ranging from 15-20 minutes are not uncommon. Around 85% of drivers will commute to work alone in their own car or truck, while between 6-11% will carpool.

Some companies pay lip service to your purpose for driving, as well as the miles you drive each year. However, when you analyze the data, most of these factors barely make a dent in your monthly premium - for example, there may be no more than a 4% difference between driving fewer miles for work and tens of thousands of miles for pleasure each year. However, business vehicles tend to have about 10-15% higher premiums than regular vehicles.

Your Coverage and Deductibles

Adding lots of coverage options makes sense for a more expensive vehicle. For automobiles of lesser value, however, you can save yourself some money each month by sticking to a more basic insurance policy. You can also add a few extra benefits to your coverage and keep your monthly rates low by raising your deductible - just make sure you can afford to shell out the cash if the worst happens.

Education in West Fargo, ND

Approximately 28% of local residents have managed to complete all four years of high school and receive a diploma. An additional 21% have gone on to experience at least one year or more of college. But getting a higher education won’t just prepare you for the job market; it will also get you lower rates for your car insurance policy!

As far as local opportunities go, residents who do not wish to commute far can look into the Global University – Minnesota School of Business. The college offers students a choice of several diploma, degree, or certificate programs to prepare for employment in the private business world. Classes can be taken in person or online. Other educational opportunities can be found in neighboring Fargo, ND. Uncover more about West Fargo here.

Understanding your own financial risk can be very challenging or inconceivable for the standard insurance shopper. Insurance companies have got an advantage over consumers because of their research and experiential know-how. Uncover that which insurance providers don’t want most people to discover.

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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