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Are you a resident of Fargo, North Dakota? Do you need affordable car insurance in Fargo, ND? Auto insurance rates in Fargo are lower when compared to the state and national averages. So, buying car insurance in Fargo, ND, won't drain your wallet much!

About 124,000 people are living in Fargo, and cars are the primary form of transportation for most of them. More than 93 percent of households in Fargo have cars. Finding the cheapest car insurance plan will help you save money, whether you wear pink and green or yellow and green on days when college football is being played.

Fargo's auto insurance rates can vary by age, driving history, credit score, and ZIP Code. But before purchasing a policy, Fargo drivers can save even more on their auto insurance by comparing quotes from several providers.

So, how much does car insurance in Fargo, ND, cost? How can you get cheap car insurance quotes in Fargo? Which is the cheapest insurer in the city?

Our review on car insurance in Fargo can help you find out the most affordable insurance!

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Key Takeaways

  • With an annual average rate of $1,249, State Farm is the most affordable insurer in Fargo.
  • In North Dakota, property damage liability must be at least $25,000, and bodily injury liability must be at least $25,000 per person/$50,000 per accident.
  • In addition, it is mandatory to have personal injury protection (PIP) and uninsured/underinsured motorist in North Dakota.
  • With a yearly $1,204, ZIP Code 58104 has Fargo's cheapest auto insurance rate.

How Much Does Car Insurance Cost In Fargo?

Ideally, a car driver in Fargo pays an annual average rate of around $1,249 for auto insurance. However, the rate is lower than the state and national averages. The annual average rate in North Dakota comes to around $1,391.

Fargo (annual average) North Dakota (annual average) United States
$1,249 $1,391 $1,557

Our car insurance review of Fargo, ND, includes average rates based on driving record, age, gender, credit score, and marital status. Keep reading to find out more!

Fargo Auto Insurance Premiums By Company

One way you can lower the cost of car insurance in Fargo, ND, is by comparing the quotes from various insurers and buying the cheapest one. Rates for auto insurance might vary significantly from one company to another. However, with an annual average rate of $870, for an average motorist, State Farm offers the most reasonable premiums in Fargo.

These are the ideal insurers for car insurance in Fargo, ND. But never forget to get customized rates that consider your driving history.

Car insurance company Average Annual Rate
State Farm $870
American Family $1,047
Progressive $1,207

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Fargo Auto Insurance Premiums By Age Group

Drivers in their 50s spend an average of $1,080 a year for Fargo auto insurance, making them the age group with the maximum affordable premiums. However, with an annual average rate of $1,103, drivers over 60 pay somewhat higher rates.

Like in most cities, teens pay the highest cost for car insurance in Fargo, ND. So getting out of your teens is one way by which you can lower the auto insurance rates. The difference in auto insurance rates between teens and drivers in their 20s is around $3,036.

Age Average Annual Rate
Teens $4,691
20s $1,655
30s $1,228
40s $1,167
50s $1,080
60s $1,103
70s $1,333

Fargo Auto Insurance Premiums By Marital Status/Gender

Your gender and marital status can greatly affect your car insurance premiums. For example, female drivers pay more than male drivers for car insurance in Fargo, ND. However, like in many cities, with an annual average rate of $1,250, single drivers pay more than married drivers for car insurance in Fargo, ND.

Single drivers pay higher premiums as they are considered high-risk drivers by the insurers. However, divorced and widowed drivers pay less than single drivers in Fargo.

Gender/Marital Status Average Annual Rate
Male $1,249
Female $1,253
Single $1,250
Married $1,141
Widowed 1,203
Divorced $1,249

Fargo Auto Insurance Premiums By Driving Record

How can you lower the car insurance rate in Fargo, ND? Simple! It is by keeping a spotless driving record. DUIs, DWIs, reckless driving infractions, at-fault accidents, and speeding tickets can increase insurance rates.

Getting citations for Reckless Driving and DUI/DWI substantially increases the Fargo auto insurance rates. The annual average rate increases to $1,910 if you have a reckless driving citation on your driving record. The rate is $661 more than the average city rate.

Offense Average Annual Rate
Reckless Driving $1,910
DUI/DWI $1,879
Speeding Ticket $1,516
At-Fault Accident (damages < $,1000) $1,638
At-Fault Accident (damages > $2,000) $1,690

Fargo Auto Insurance Premiums By Credit Rating

A good credit score gives you many benefits, including cheaper auto insurance. Generally speaking, drivers with better credit histories pay less for car insurance in Fargo, ND, than those with fewer credit scores. For example, in Fargo, a rise in credit score from the 'Very Poor' (300-579) to the 'Exceptional' (800-850) tier reduces your auto insurance cost by more than 50 percent.

One of the most effective moves a driver can make to lower the auto insurance premiums is to move from the 'Very Poor' credit rating to the 'Fair' credit category. For example, bringing your credit score up to "Good" in Fargo results in a $1,061 annual savings on vehicle insurance.

Credit Rating Average Annual Rate
Very Poor $2,310
Fair $1,470
Good $1,249
Very Good $1,132
Exceptional $999

Fargo Auto Insurance Premiums By ZIP Code

Insurance companies also consider your ZIP Code when determining the car insurance rate in Fargo, ND. Factors like the frequency of auto accidents and accident claims, the number of stolen and vandalized vehicles, and other dangers in your community greatly affect your Fargo auto insurance rates. Here are the insurance rates at some of the ZIP Codes in the city.

ZIP Code Average Annual Rate
58104 $1,204
58102 $1,218
58103 $1,227
58105 $1,240

How to get cheap auto insurance in Fargo, ND

Try looking for savings through your insurance carrier if you want to lower your insurance prices in Fargo. Many carriers give discounts based on several factors like the kind of car, how well the driver drives, and how many policies you purchase. So even more than one discount could be available to you at once! For example, in Fargo, insurance companies frequently give the following discounts.

  • Safe driver discount: This discount is for drivers with a clean claims history and no accidents.
  • Bundling discount: You will get it by purchasing your house and car insurance from the same provider.
  • Low mileage discount: The discount is available for those drivers who commute fewer than 7,500 miles yearly.
  • Military discount: Discounts for service members currently on active duty and their families.
  • Defensive driving: If you enroll in a defensive driving course approved by the state, your monthly premiums can go down.
  • Good student: Getting a B average or above in class can lower insurance rates for drivers under 25.

Are you still thinking of getting cheaper car insurance quotes in Fargo? Then talk to our car insurance agents in Fargo, and you can surely get cheap car insurance in Fargo, ND.

Auto insurance in Fargo: Minimum insurance requirement in North Dakota

A driver should have car insurance to drive a car in North Dakota legally. All cars registered in North Dakota must carry the minimum liability insurance shown below.

  • Bodily injury liability per person - $25,000
  • Bodily injury liability per accident - $50,000
  • Property damage liability per accident - $25,000
  • Uninsured motorist coverage per person - $25,000
  • Uninsured motorist coverage per accident - $50,000
  • Personal injury protection - $30,000 maximum per person

Because North Dakota is a no-fault state, all motorists injured in an accident must receive compensation from their insurer, irrespective of who was at fault. The state also adheres to modified comparative negligence laws, which prohibit you from suing another driver for damages if you contributed more than 50% to an accident. However, you can receive damages less the proportion of your fault is found to be less than 50% at fault.

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Useful Info For Driving In Fargo

Fargo is the most populated city in North Dakota. So, it is fair to expect decent traffic on the roads. However, here are some tips for commuting in the city if you want to skip driving.

  • MATBUS provides service to the Fargo-Moorhead metropolitan area. The bus service runs routes from Monday through Saturday, with many of them catering exclusively to the region's college student population, which accounts for half of its ridership. Bus services from Rimrock Stages Trailways, Jefferson Lines, and Greyhound Lines also connect Fargo to other towns.
  • The BNSF Railway operates through the metropolitan region. In addition, Amtrak service is offered via the Empire Builder passenger train at the Fargo Amtrak station.
  • The city sits where Interstates 29 and 94 converge. Additionally, US Highways 81, 10, and 52 run through the neighborhood.

Auto Theft Statistics in Fargo

Unfortunately, the auto theft rate in Fargo is much higher than the state average. In 2019, the auto theft rate in the city was around 391 per 100,000 residents. At the same time, the state rate was nearly 307 per 100,000 residents. So, it is better to buy an insurance policy with comprehensive coverage to get enough coverage in the case of auto theft.

Car Insurance Companies in Fargo, ND

Are you trying to find an insurance company in Fargo, ND? The city's insurers claim that they offer reasonable prices and specialized coverages. Also, you can understand the most complex regulations, insurance terms, coverages, and discounts in the state with the help of our car insurance agents in Fargo. Talk to them if you want to find cheap car insurance in Fargo, ND.

Here are a few Fargo-based companies that offer auto insurance.

State Farm USAA
Allstate Liberty Mutual
Travelers Progressive
Auto-Owners Farm Bureau
Safeco Farmers

Driving Conditions in Fargo

  • Driving conditions are fair.
  • Fargo traffic is not that hard to navigate.
  • On average, there are 99 rainy days per year in Fargo. Rain averages 24 inches.
  • Snowfall averages 49 inches.

Auto Insurance Data Methodology

The auto insurance rates published in this guide are based on the results of research completed by’s data team. Using a mix of public and internal data, we analyzed millions of rate averages across U.S. ZIP codes.

Quotes are typically based on a full coverage policy average unless otherwise noted within the content.

These rates were publicly sourced from insurer filings and should be used for comparative purposes only — your own quotes will differ. Given this, it’s important to go through our insurance steps form to find how much you can save with


How much does car insurance cost in Fargo?

Buying car insurance in Fargo, ND, costs you an annual average of $1,249. However, it is lower than the state and national averages.

How to get the cheapest car insurance in Fargo?

The Fargo auto insurance rates are lower when compared to the state and national averages. However, to get the cheapest car insurance in Fargo, ND, you need to look out for the discounts offered by various insurers. The insurance premiums will be significantly lower if you qualify for multiple discounts.

How much is car insurance per month in Fargo?

The cost of car insurance in Fargo, ND, will cost you around $104 per month.

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Learn more by city and state for car insurance

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