Buy Cheap Fargo, ND Auto Insurance (2021)

Fargo, ND auto insurance rates average $312 a month. Minimum auto insurance requirements in Fargo, North Dakota are 25/50/25 to comply with North Dakota laws. To buy cheap auto insurance in Fargo, ND, compare Fargo auto insurance quotes from top companies.

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Sara Routhier, Managing Editor and Outreach Director, has professional experience as an educator, SEO specialist, and content marketer. She has over five years of experience in the insurance industry. As a researcher, data nerd, writer, and editor she strives to curate educational, enlightening articles that provide you with the must-know facts and best-kept secrets within the overwhelming world o...

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Cynthia Lanctot is an insurance professional with ten years of industry experience. Cynthia is licensed in several states, and holds an associate in claims law, as well as a bachelor’s degree in English. Cynthia’s experience includes the New England and Northeast states. She currently works as a liability claims professional and an occasional online contributor.

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Reviewed by Cynthia Lanctot
Licensed Agent

UPDATED: Jul 20, 2021

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A Concise Overview

  • Average auto insurance rates in Fargo, ND are $312/month
  • The most expensive auto insurance company in Fargo is Liberty Mutual
  • Average auto insurance rates in Fargo, ND for teens drivers are $7,685/year

Finding affordable Fargo, North Dakota auto insurance can be challenging, but everything you need to know to buy cheap Fargo, ND auto insurance with confidence is right here. Auto insurance rates in Fargo are affected by local factors as well as personal ones like your driving record.

See how Fargo, ND car insurance rates compare to Fargo auto insurance rates, Dickinson auto insurance rates, and Minot auto insurance rates before you read more about the cost of auto insurance in Fargo.

Don’t buy Fargo, ND auto insurance until you’ve compared rates. Get free Fargo, North Dakota auto insurance quotes when you enter your ZIP code above.

Fargo, ND Minimum Auto Insurance Requirements

The required auto insurance in Fargo, ND is 25/50/25 according to the auto insurance laws in North Dakota. The minimum auto insurance in Fargo, North Dakota is outlined here.

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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Find Cheap Fargo, ND Auto Insurance by Credit History

Your credit can have an impact on what you pay for auto insurance in Fargo, ND. Take a look at Fargo, North Dakota auto insurance rates by credit history.

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

Buy Cheap Fargo, ND Auto Insurance by Age, Gender, and Marital Status

Do age, gender, and marital status affect Fargo, North Dakota auto insurance rates? Find out how car insurance rates in Fargo, ND are impacted by demographics.

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

Buy Cheap Fargo, ND Auto Insurance for Teen Drivers

Auto insurance for teenagers in Fargo can be expensive, but shopping around can make a difference. Average rates for teen auto insurance in Fargo, ND are listed here.

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

Buy Cheap Fargo, ND Auto Insurance for Seniors

You can save on senior auto insurance rates in Fargo, North Dakota by comparing Fargo senior car insurance quotes from multiple companies. Take a look at the average cost of auto insurance for seniors in Fargo, ND here.

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

Find Cheap Auto Insurance Rates in Fargo, ND by Coverage Level

The amount of coverage you choose is a big factor in the cost of Fargo, North Dakota auto insurance. Compare Fargo, ND 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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Find Cheap Fargo, ND Auto Insurance Rates by Commute

How long you’re in your car each day affects the cost of auto insurance in Fargo. Compare auto insurance rates in Fargo, ND by commute length to see how your daily commute impacts your rates.

Annual Auto Insurance Rates by Commute Length in Fargo, North Dakota

Insurance Company 10 Mile Commute, 6,000 Annual Mileage 25 Mile Commute, 12,000 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

Find Cheap Fargo, ND Auto Insurance Rates by ZIP Code

Auto insurance rates in Fargo, North Dakota can vary depending on the area of the city in which you live. Compare auto insurance rates by ZIP code in Fargo, ND to see how much where you live in Fargo affects the cost of car insurance.

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

Find Cheap Fargo, ND Auto Insurance Rates by Driving Record

Auto insurance rates in Fargo, North Dakota are impacted by your driving record. If you’re looking for lower bad driving record auto insurance rates in Fargo, ND, take a look at the average cost for various violations versus rates for a clean driving record in Fargo.

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

Find Cheap Fargo, ND Auto Insurance Rates After a DUI

The cost of DUI auto insurance in Fargo, North Dakota is higher than for a clean driving record. You can buy auto insurance after a DUI in Fargo for less when you shop around and compare rates from multiple Fargo, ND auto insurance companies.

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

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Winners by Category: Where to Buy Cheap Auto Insurance in Fargo, ND

Compare rates from the cheapest auto insurance companies in Fargo, ND for your needs. Take a look at how Fargo, North Dakota auto insurance companies stack up for each category.

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

Find Cheap Fargo, North Dakota Auto Insurance Companies

If you’re looking for the cheapest Fargo, ND auto insurance companies overall, you can compare them here. Find the best price for Fargo, North Dakota car insurance by company.

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 Fargo, North Dakota auto insurance rates?

Local factors affect auto insurance rates in Fargo, ND, including traffic, theft statistics, and commute length. Take a look at the things that impact Fargo auto insurance rates.

Commute Times in Fargo

Drivers who spend more time on the road are at a higher risk of an accident. The average commute length in Fargo, ND is 17.1 minutes according to City-Data.

Traffic in Fargo

How is traffic in Fargo, North Dakota? Inrix data shows that Fargo, ND traffic makes it the 506th-most congested city compared to other cities worldwide.

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Compare Auto Insurance Quotes in Fargo, ND

You can buy cheap Fargo, ND auto insurance with confidence that you’re getting the best deal. Enter your ZIP code below for free Fargo, North Dakota auto insurance quotes from top companies.

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