Compare Fargo, ND Car Insurance Rates (2021)

Car insurance in Fargo, ND averages $312 a month. Fargo, North Dakota car insurance requirements are 25/50/25, but you might need full coverage insurance if your car is financed. To find cheap Fargo car insurance rates, compare quotes from the top car insurance companies in Fargo, ND.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Jun 23, 2021

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Here's What You Need to Know

  • The cheapest car insurance company in Fargo is USAA
  • The cheapest car insurance company in Fargo for teen drivers is GEICO
  • Average car insurance rates in Fargo, ND are $3,748/year

If you need to buy Fargo, North Dakota car insurance, the options can be confusing. Everything you need to know about car insurance in Fargo, ND is right here.

You’ll find Fargo car insurance rates, the cheapest Fargo, ND car insurance companies, and information on North Dakota car insurance laws. You can also compare Fargo, North Dakota car insurance rates to Mandan car insurance rates, Minot car insurance rates, and Watford City car insurance rates.

Ready to find affordable Fargo, ND car insurance today? Enter your ZIP code for fast, free Fargo car insurance quotes.

Cheapest Fargo, ND Car Insurance Rates By Age, Gender, and Marital Status

How do age, gender, and marital status affect Fargo, ND car insurance rates? Every Fargo, North Dakota car insurance company weighs these factors differently, so check out the comparison rates.

Annual Car 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

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Minimum Car Insurance in Fargo, ND

Every driver must carry the minimum car insurance in Fargo, ND. Take a look at the North Dakota car insurance requirements.

Minimum Required Car 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

Cheapest Fargo, ND Car Insurance Rates by Credit Score

Your credit affects car insurance costs in Fargo, ND. Compare credit history car insurance rates in Fargo from top companies for good, fair, and poor credit.

Annual Car 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

Cheapest Fargo, ND Car Insurance Rates by Driving Record

Your driving record is one of the biggest factors affecting car insurance costs. Compare bad driving record car insurance rates in Fargo, ND to rates for a clean record with top companies.

Annual Fargo, North Dakota Car 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

Cheapest Fargo, ND Car Insurance for Teen Drivers

Teen car insurance in Fargo, ND can be expensive. Take a look at rates from the top car insurance companies in Fargo for teenagers.

Annual Car 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

Cheapest Fargo, ND Car Insurance for Seniors

Take a look at Fargo, ND senior car insurance rates from top companies. Shopping around can make a big difference for senior drivers.

Annual Car 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

Cheapest Fargo, ND Car Insurance Rates After a DUI

A DUI in Fargo, ND increases car insurance rates. Compare Fargo, North Dakota DUI car insurance by company to find the cheapest option.

Annual Car Insurance Rates After a DUI in Fargo, North Dakota

Insurance Company Annual Car 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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Cheapest Fargo, ND Car Insurance Rates by Commute Length

How does how far you drive affect car insurance rates in Fargo, ND by commute? Take a look at a comparison of the top companies by commute length.

Annual Car 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

Cheapest Fargo, ND Car Insurance Rates by ZIP Code

Fargo car insurance rates vary based on where you live. Check out the difference in car insurance rates by ZIP code in Fargo, ND.

Annual Car 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

The Best Cheap Car Insurance Companies in Fargo, ND

Take a look at a side-by-side comparison of the top car insurance companies in Fargo, ND to find the best option for your needs.

Average Annual Car 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

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Category Winners: Cheapest Car Insurance in Fargo, North Dakota

Find the cheapest car insurance companies in Fargo, ND for each category right here.

Best Annual Car 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

Cheapest Fargo, ND Car Insurance Rates by Coverage Level

How much coverage you choose will have an impact on your Fargo car insurance rates. Find the cheapest Fargo, ND car insurance rates by coverage level.

Annual Car 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

What affects car insurance rates in Fargo, North Dakota?

What factors can have an impact on Fargo, ND car insurance? There are several reasons why Fargo car insurance may be different from surrounding cities. Take a look at what affects car insurance rates in Fargo, North Dakota.

Commute Time in Fargo

The more time you spend in your car the higher the risk of an accident. The average commute length in Fargo, ND is 17.1 minutes according to City-Data.

Traffic in Fargo

Traffic and commute times go hand in hand, with more traffic meaning more time on the road. Fargo, ND traffic data from INRIX ranks Fargo as the 506th-most congested in the world.

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Compare Car Insurance Quotes in Fargo, ND

Ready to find affordable Fargo, North Dakota car insurance today? Enter your ZIP code for fast, free Fargo, ND car insurance quotes.

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