Fargo drivers pay an average of $1,210 per year for full coverage car insurance. Compared to the North Dakota state average of $1,405, Fargo residents pay $194 less than other drivers in the state for the same coverage.
But Fargo drivers can save even more on their car insurance by comparing quotes from multiple companies before buying a policy. Policygenius can help you see what you’ll pay with top companies so you can choose a policy that meets your needs.
Methodology & why you can trust our rates
Policygenius has analyzed car insurance rates provided by Quadrant Information Services for every ZIP code in all 50 states plus Washington, D.C. For full coverage policies, the following coverage limits were used:
Bodily injury liability: $50,000 per person/$100,000 per accident
Property damage liability: $50,000
Uninsured/underinsured motorist: $50,000 per person/$100,000 per accident
Comprehensive: $500 deductible
Collision: $500 deductible
In some cases, additional coverages were added where required by state or insurer.
Rates for overall average rate, rates by ZIP code, and cheapest companies determined using averages for single drivers ages 30, 35, and 45. Our sample vehicle was a 2017 Toyota Camry LE driven 10,000 miles/year.
Rates for driving violations and “Poor” credit determined using average rates for a single male 30-year-old driver with a credit score under 578.
Some carriers may be represented by affiliates or subsidiaries. Rates provided are a sample of costs. Your actual quotes may differ.
Cheapest car insurance companies in Fargo, ND
Personal information like your age, address, credit score and driving record all impact your rates, but costs can also vary from one car insurance company to the next. The best way to make sure you’re getting the best rates possible is to compare quotes before you buy a policy.
Company | Average cost | JD Power Rating |
|---|---|---|
USAA | $718 | 890 |
State Farm | $774 | 882 |
Nodask Insurance | $970 | -- |
GEICO | $979 | 874 |
American Family | $995 | 874 |
Cheapest car insurance rates by ZIP code in Fargo, ND
Insurance companies look at the number of car accidents and accident claims, stolen and vandalized vehicles, and other risks in your neighborhood when setting your rates.
ZIP code | Average cost |
|---|---|
58104 | $1,193 |
58102 | $1,208 |
58103 | $1,216 |
58105 | $1,228 |
Choosing the right car insurance company in Fargo, ND
There’s no one right company for every driver in Fargo, so the best way to find the right company for you is to shop around and compare rates before you buy a policy. Policygenius makes it easy to see what you’ll pay for coverage from top car insurance companies, so you can feel confident you’re making the right choice.
Car insurance rates for drivers with driving violations in Fargo, ND
Your driving history is one of the biggest factors insurance companies use to determine insurance rates. If you’ve been caught running a stop sign or been arrested for driving under the influence, you'll pay more for car insurance, sometimes by hundreds of dollars a year.
Violation | USAA | State Farm | Nodask Insurance | GEICO | American Family |
|---|---|---|---|---|---|
At-fault accident | $1,089 | $930 | $1,270 | $2,425 | $1,566 |
DUI | $1,854 | $858 | $1,672 | $3,730 | $1,363 |
Suspended license | $1,779 | $858 | $1,672 | $922 | $1,783 |
Open container | $1,592 | $858 | $1,672 | $922 | $1,363 |
Expired registration | $927 | $858 | $1,070 | $922 | $1,363 |
Driving without lights | $777 | $858 | $1,270 | $922 | $1,363 |
Running a red light | $927 | $858 | $1,270 | $922 | $1,363 |
Following too closely | $927 | $858 | $1,270 | $922 | $1,363 |
Hit and run | $1,921 | $858 | $1,672 | $3,730 | $1,783 |
Not-at-fault accident | $777 | $787 | $1,070 | $970 | $1,073 |
Passing a school bus | $1,058 | $858 | $1,270 | $922 | $1,363 |
Reckless driving | $1,592 | $858 | $1,672 | $2,890 | $1,783 |
Speeding | $927 | $858 | $1,270 | $1,389 | $1,363 |
Cheapest car insurance for drivers with a DUI in Fargo, ND
Company | Rates for drivers with DUIs |
|---|---|
State Farm | $858 |
American Family | $1,363 |
Nodask Insurance | $1,672 |
USAA | $1,854 |
GEICO | $3,730 |
Cheapest car insurance for drivers with a speeding ticket in Fargo, ND
Company | Rates for drivers with speeding tickets |
|---|---|
State Farm | $858 |
USAA | $927 |
Nodask Insurance | $1,270 |
American Family | $1,363 |
GEICO | $1,389 |
Cheapest car insurance for drivers with bad credit in Fargo, ND
A bad credit score often means insurance companies will charge you more for car insurance, so if you know you have poor credit, take time to shop around to find your most affordable rates.
Company | Rates for drivers with bad credit |
|---|---|
USAA | $1,297 |
GEICO | $1,462 |
Nationwide | $1,467 |
American Family | $1,667 |
State Farm | $1,708 |
Buying car insurance in Fargo, ND
North Dakota state law says that all vehicles registered in the state have the following types of minimum liability insurance:
Bodily injury liability coverage per person: $25,000
Bodily injury liability coverage per accident: $50,000
Property damage liability coverage: $25,000
Personal injury protection: $30,000 maximum per person
Uninsured/underinsured motorist coverage: $25,000 per person; $50,000 per accident
North Dakota is a no-fault state, which means that after a car accident, every driver must get reimbursement for their injuries from their own car insurance company, regardless of who was at fault (that’s what personal injury protection is for).
The state also follows modified comparative negligence laws, which means if you’re more than 50 percent responsible for an accident, you can’t collect any damages from the other driver. However, if you’re less than 50 percent responsible, you can collect damages, minus the percentage that you’re at fault.
How to get cheap car insurance in Fargo, ND
Making sure you’re getting all the discounts you qualify for is a great way to save on car insurance. Some of the most common car insurance discounts include:
Safe driver discount: For drivers who have no accidents on their claims history
Bundling discount: For getting your home and auto insurance policies with the same company
Low mileage discount: For drivers who commute less than 7,500 miles annually
Military discount: For active-duty service members and their families
Discounts vary by company, and you might not qualify for any of them. However, a simple way to make sure you get the cheapest car insurance rates around is by comparing quotes from top companies.
Frequently asked questions
Who has the lowest car insurance rates in Fargo?
According to our research, USAA has the lowest insurance rates in the state, at $718 per year for full coverage. State Farm has the lowest car insurance rates in Fargo for people who aren't in the military.
How much is car insurance per month in North Dakota?
The average cost of car insurance in North Dakota is $117 per month, or $1,405 per year.
Is car insurance expensive in North Dakota?
Drivers in North Dakota pay an average of $1,405 per year for car insurance, which is $218 cheaper than the national average. Drivers in North Dakota can save even more money on insurance by comparing quotes from multiple companies.
What is the average cost of car insurance in North Dakota?
Drivers in North Dakota pay an average of $1,405 per year, which breaks down to $117 per month. Drivers in Fargo pay even less, with a monthly average rate of $101.
