Best Fargo, North Dakota Auto Insurance in 2026
The average Fargo, ND auto insurance rates are $312 per month. The minimum auto insurance in Fargo is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Fargo, North Dakota, compare quotes from multiple companies.
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Insurance and Finance Writer
Merriya Valleri is a skilled insurance writer with over a decade of professional writing experience. Merriya has a strong desire to make understanding insurance an easy task while providing readers with accurate and up-to-date information. Merriya has written articles focusing on health, life, and auto insurance. She enjoys working in the insurance field, and is constantly learning in order to ...
Merriya Valleri
Licensed Auto Insurance Agent
Daniel Walker graduated with a BS in Administrative Management in 2005 and has run his family’s insurance agency, FCI Agency, for over 15 years (BBB A+). He is licensed as an insurance agent to write property and casualty insurance, including home, life, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. To ensure our content is accura...
Daniel Walker
Updated September 2024
- The most expensive auto insurance company in Fargo for teen drivers is Liberty Mutual
- Average auto insurance rates in Fargo, ND for senior drivers are $1,959 per year
- The average commute length in Fargo is 17.1 minutes
Fargo, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Fargo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fargo, North Dakota, including driving record, credit, commute time, and more.
Compare auto insurance in Fargo to other North Dakota cities, including Bismarck auto insurance rates, Grand Forks auto insurance rates, and Fargo auto insurance rates to see how Fargo, North Dakota auto insurance rates stack up.
Before you buy Fargo, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fargo, North Dakota auto insurance quotes.
Minimum Auto Insurance in Fargo, North Dakota
Fargo, North Dakota auto insurance laws require that you have at least the North Dakota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fargo, North Dakota.
Minimum Required Auto Insurance Coverage in Fargo, North Dakota
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Fargo, North Dakota Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fargo, North Dakota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fargo, North Dakota
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,623 | $2,623 | $2,330 | $2,468 | $10,291 | $12,143 | $2,874 | $3,098 |
| American Family | $2,048 | $2,048 | $1,860 | $1,860 | $4,440 | $6,409 | $2,048 | $2,385 |
| Farmers | $1,622 | $1,584 | $1,443 | $1,511 | $6,190 | $6,337 | $1,847 | $1,937 |
| Geico | $1,700 | $1,683 | $1,455 | $1,472 | $3,454 | $4,314 | $1,536 | $1,662 |
| Liberty Mutual | $6,090 | $6,550 | $4,903 | $5,949 | $26,035 | $28,999 | $6,298 | $6,848 |
| Nationwide | $1,581 | $1,601 | $1,428 | $1,508 | $3,801 | $4,623 | $1,832 | $1,928 |
| Progressive | $1,660 | $1,554 | $1,350 | $1,407 | $6,748 | $7,495 | $2,031 | $2,062 |
| State Farm | $1,364 | $1,364 | $1,231 | $1,231 | $4,152 | $5,226 | $1,538 | $1,751 |
| USAA | $1,133 | $1,119 | $935 | $923 | $4,053 | $4,854 | $1,629 | $1,745 |
Cheap Fargo, North Dakota Auto Insurance for Teen Drivers
Finding cheap teen auto insurance in Fargo, North Dakota is a challenge. Take a look at the annual teen auto insurance rates in Fargo, North Dakota.
Annual Auto Insurance Rates for Teen Drivers in Fargo, North Dakota
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,291 | $12,143 |
| American Family | $4,440 | $6,409 |
| Farmers | $6,190 | $6,337 |
| Geico | $3,454 | $4,314 |
| Liberty Mutual | $26,035 | $28,999 |
| Nationwide | $3,801 | $4,623 |
| Progressive | $6,748 | $7,495 |
| State Farm | $4,152 | $5,226 |
| USAA | $4,053 | $4,854 |
Cheap Fargo, North Dakota Auto Insurance for Seniors
What are senior auto insurance rates in Fargo, North Dakota? Take a look at the annual average rates for older drivers.
Annual Auto Insurance Rates for Senior Drivers in Fargo, North Dakota
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,330 | $2,468 |
| American Family | $1,860 | $1,860 |
| Farmers | $1,443 | $1,511 |
| Geico | $1,455 | $1,472 |
| Liberty Mutual | $4,903 | $5,949 |
| Nationwide | $1,428 | $1,508 |
| Progressive | $1,350 | $1,407 |
| State Farm | $1,231 | $1,231 |
| USAA | $935 | $923 |
Cheap Fargo, North Dakota Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fargo, North Dakota compared to the annual auto insurance rates with a clean record in Fargo, North Dakota.
Annual Fargo, North Dakota Auto Insurance Rates by Driving Record
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,879 | $4,284 | $6,540 | $4,523 |
| American Family | $2,105 | $3,041 | $3,995 | $2,408 |
| Farmers | $2,359 | $3,030 | $2,992 | $2,854 |
| Geico | $1,265 | $2,095 | $3,254 | $2,025 |
| Liberty Mutual | $10,144 | $11,514 | $12,433 | $11,745 |
| Nationwide | $1,721 | $2,330 | $3,161 | $1,939 |
| Progressive | $2,791 | $3,493 | $2,832 | $3,038 |
| State Farm | $2,035 | $2,430 | $2,232 | $2,232 |
| USAA | $1,450 | $2,070 | $2,883 | $1,792 |
Cheap Fargo, North Dakota Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fargo, North Dakota is not easy. Compare the annual rates for DUI auto insurance in Fargo, North Dakota to find the best deal.
Annual Auto Insurance Rates After a DUI in Fargo, North Dakota
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,540 |
| American Family | $3,995 |
| Farmers | $2,992 |
| Geico | $3,254 |
| Liberty Mutual | $12,433 |
| Nationwide | $3,161 |
| Progressive | $2,832 |
| State Farm | $2,232 |
| USAA | $2,883 |
Cheap Fargo, North Dakota Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fargo, North Dakota annual auto insurance rates by credit history compare.
Annual Auto Insurance Rates by Credit Score in Fargo, North Dakota
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,072 | $4,609 | $3,738 |
| American Family | $3,796 | $2,638 | $2,228 |
| Farmers | $3,235 | $2,664 | $2,528 |
| Geico | $2,582 | $2,081 | $1,816 |
| Liberty Mutual | $16,568 | $10,003 | $7,806 |
| Nationwide | $2,766 | $2,186 | $1,912 |
| Progressive | $3,471 | $2,943 | $2,702 |
| State Farm | $3,122 | $1,985 | $1,589 |
| USAA | $2,825 | $1,793 | $1,529 |
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Cheap Fargo, North Dakota Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fargo, North Dakota can vary. Compare the annual cost of auto insurance by ZIP code in Fargo, North Dakota to see how car insurance rates are affected by location.
Annual Auto Insurance Rates by ZIP Code in Fargo, North Dakota
| ZIP Code | Average Annual Rates |
|---|---|
| 58102 | $4,024 |
| 58103 | $3,942 |
| 58104 | $3,903 |
| 58105 | $4,035 |
Cheap Fargo, North Dakota Auto Insurance Rates By Commute
Commute length and annual mileage affect Fargo, North Dakota auto insurance. Find the cheapest annual Fargo, North Dakota auto insurance by commute length.
Annual Auto Insurance Rates by Commute Length in Fargo, North Dakota
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,689 | $4,924 |
| American Family | $2,852 | $2,922 |
| Farmers | $2,809 | $2,809 |
| Geico | $2,134 | $2,186 |
| Liberty Mutual | $11,459 | $11,459 |
| Nationwide | $2,288 | $2,288 |
| Progressive | $3,039 | $3,039 |
| State Farm | $2,173 | $2,291 |
| USAA | $2,028 | $2,069 |
Cheap Fargo, North Dakota Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fargo, North Dakota? Check out the comparison of annual Fargo, North Dakota auto insurance rates by coverage level.
Annual Auto Insurance Rates by Coverage Level in Fargo, North Dakota
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,675 | $4,804 | $4,940 |
| American Family | $2,950 | $3,026 | $2,685 |
| Farmers | $2,728 | $2,794 | $2,905 |
| Geico | $2,109 | $2,155 | $2,215 |
| Liberty Mutual | $11,152 | $11,402 | $11,823 |
| Nationwide | $2,209 | $2,277 | $2,378 |
| Progressive | $2,938 | $3,032 | $3,146 |
| State Farm | $2,156 | $2,241 | $2,300 |
| USAA | $1,987 | $2,050 | $2,109 |
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Best By Category: Cheapest Auto Insurance in Fargo, North Dakota
Compare the cheapest auto insurance companies in Fargo, North Dakota in each category to find the company with the best rates for your personal needs.
Best Annual Auto Insurance Rates by Company in Fargo, North Dakota
| Category | Insurance Company |
|---|---|
| Teenagers | Geico |
| Seniors | USAA |
| Clean Record | Geico |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Fargo, North Dakota Auto Insurance Companies
What auto insurance companies in Fargo, North Dakota are the cheapest? Compare the top Fargo, North Dakota auto insurance companies to find the best annual rates.
Average Annual Auto Insurance Rates by Company in Fargo, North Dakota
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,806 |
| American Family | $2,887 |
| Farmers | $2,809 |
| Geico | $2,160 |
| Liberty Mutual | $11,459 |
| Nationwide | $2,288 |
| Progressive | $3,039 |
| State Farm | $2,232 |
| USAA | $2,049 |
What affects auto insurance rates in Fargo, North Dakota?
There are a lot of reasons why auto insurance rates in Fargo, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fargo, North Dakota. Many local factors may affect your Fargo auto insurance rates.
Fargo Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fargo, North Dakota commute length is 17.1 minutes according to City-Data.
Fargo Traffic
How does Fargo, North Dakota rank for traffic? According to Inrix Fargo, North Dakota is the 506th most congested worldwide.
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Compare Fargo, North Dakota Auto Insurance Quotes
Before you buy Fargo, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fargo, North Dakota auto insurance quotes.
Frequently Asked Questions
What is auto insurance?
Auto insurance is a type of insurance coverage that provides financial protection against physical damage or bodily injury resulting from accidents involving vehicles. It helps cover the costs associated with repairs, medical expenses, liability claims, and other related expenses.
Is auto insurance mandatory in Fargo, ND?
Yes, auto insurance is mandatory in Fargo, ND. The state of North Dakota requires all drivers to carry a minimum level of liability insurance coverage to legally operate a vehicle on public roads.
What are the minimum auto insurance requirements in Fargo, ND?
The minimum auto insurance requirements in Fargo, ND are as follows:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
What should I do if I’m involved in an auto accident in Fargo, ND?
If you’re involved in an auto accident in Fargo, ND, take the following steps:
- Ensure your safety and the safety of others involved. Call emergency services if necessary.
- Exchange information with the other parties involved, including names, contact details, and insurance information.
- Document the accident by taking photos, noting the location, and gathering any witness information.
- Notify your insurance company and provide them with accurate and timely information about the accident.
- Cooperate with the claims process and provide any required documentation or statements.
- Follow up with medical attention if needed and keep records of all related expenses.
How can I find the best auto insurance rates in Fargo, ND?
To find the best auto insurance rates in Fargo, ND, it’s recommended to:
- Shop around and compare quotes from multiple insurance companies.
- Consider working with an independent insurance agent who can provide you with options from different insurers.
- Review the coverage, deductibles, and limits to ensure they meet your needs.
- Check for available discounts that can help lower your premium.
- Read customer reviews and consider the insurer’s reputation for customer service and claims handling.
Are there any discounts available for auto insurance in Fargo, ND?
Yes, many insurance companies offer discounts on auto insurance in Fargo, ND. Common discounts include:
- Multi-policy discount (bundling auto and home insurance)
- Good driver discount (for maintaining a clean driving record)
- Good student discount (for students with good grades)
- Safety features discount (for vehicles equipped with safety devices)
- Anti-theft device discount
- Low-mileage discount
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