Cheapest Car Insurance Quotes in West Fargo

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West Fargo Car Insurance

^$ 20

/mo

Written by Sara Sam

Edited by Renee Martin

Why you can trust Way?

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

Table of Contents

How Much Is Car Insurance in West Fargo

The car insurance rate in West Fargo is $663 for a six-month policy, which is $108 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $347, making it a popular choice for budget-conscious drivers. Rates in West Fargo can vary depending on your age, driving record, and coverage level, so not every driver will pay the same amount. Choosing a higher deductible, maintaining a clean driving history, and comparing quotes from multiple insurers can help you find better deals and save money over time.

Avg. Car Insurance in West Fargo

$663

Avg. Car Insurance in North Dakota

$771

National Average

$1140

Cheapest Car Insurance Companies in West Fargo

1st place: Nodak Mutual

At $347 for a six month policy, Nodak Mutual offers the cheapest auto insurance rates in the city.

2nd place: Nationwide

Nationwide offers auto insurance rates at $384 for a six-month policy, making it one of the cheapest to insure with.

3rd place: USAA

USAA offers auto insurance rates at $495 for six months, making it the third cheapest auto insurance company in West Fargo.

West Fargo Car Insurance Rates by Company

Based on our research, the cheapest car insurance company in West Fargo, ND is Nodak Mutual, offering policies at just $347 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $384.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1058 for a six-month policy. Rates can vary widely by driver, but comparing quotes from multiple companies can help West Fargo drivers find the best deals.

Cheap Car Insurance Companies in West Fargo, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$347	$59
Nationwide	$384	$65
USAA	$495	$83
American Family	$587	$99
North Star	$593	$101
Progressive	$603	$101
State Farm	$695	$117
Auto-Owners	$777	$129
Nodak	$792	$133
Allstate	$971	$163
Farmers	$1058	$178

Key Takeaways

Way's key takeaways about car insurance in West Fargo

The auto insurance costs in West Fargo fall around $347 for six months.
The cheapest auto insurance company in West Fargo is North Star.
Teen drivers pay the highest rate in West Fargo at $724 per month.

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Cheapest Minimum Liability Car Insurance in West Fargo

Since car insurance is a critical requirement for owning a car, you must have minimum liability car insurance. The cheapest car insurance companies for minimum coverage in West Fargo are given below.

North Star provides the cheapest minimum car insurance coverage in West Fargo. Their Average 6 Month Premium is $118. Allstate is the most expensive at $409 for the same period.

Cheapest Liability Coverage in West Fargo, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$118	$20
North Star Mutual	$118	$20
USAA	$118	$20
Nationwide	$132	$22
Nodak Mutual	$132	$22
North Star Mutual Insurance	$132	$22
Auto-Owners Insurance Co	$143	$24
Nodak	$163	$28
Auto-Owners	$169	$28
Progressive	$174	$29
State Farm	$174	$29
American Family	$219	$37
Farmers	$393	$66
Allstate	$409	$69

Cheapest Full Coverage Car Insurance in West Fargo

One might think that minimum coverage is only required when insuring your car insurance. However, having full coverage car insurance in any city is certainly a wise choice as it offers better coverage and protection. Our best pick for the cheapest auto insurance quotes in West Fargo is Nodak Mutual at $59 per month and $347 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Fargo, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$347	$59
Nationwide	$384	$65
USAA	$495	$83
American Family	$587	$99
North Star	$593	$101
Progressive	$603	$101
State Farm	$695	$117
Auto-Owners	$777	$129
Nodak	$792	$133
Allstate	$971	$163
Farmers	$1058	$178

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Average Car Insurance in West Fargo by Rating Factor

The car insurance rates for two people under the same ZIP code will mostly be different. This is mostly because insurance rates are calculated based on several rating factors. These rating factors include the driver's age, gender, marital status, driving and claims history, credit score, location, type of vehicle, and coverage levels.

I have a clean driving record. Why is my car insurance rate here in West Fargo, ND increasing?

Despite maintaining a clean driving record, your car insurance rates in West Fargo, North Dakota, may be increasing due to several external factors. North Dakota has experienced significant rate hikes recently, with average premiums rising by 25.5% in 2023, largely attributed to higher claims volumes and inflation.

Additionally, West Fargo's high urban population density, raised auto theft rates, and frequent natural disasters contribute to increased insurance costs.

Car Insurance Premiums by Age in West Fargo

It is quite evident why teen drivers pay the highest car insurance rates in any city. Their lack of experience and increased accident rates make them a highly risky category. However, as you grow older, your car insurance rates will decrease. So, it is better to not have separate policies for teens; instead, add them to their parents' policies.

Cheapest Car Insurance Companies Based on Age Group

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Cheapest Car Insurance Rates for Teen Drivers in West Fargo,ND

If you are planning to get a car insurance policy for your teenage dependent, North Star Mutual Insurance provides the cheapest car insurance in the West Fargo at $23 per month. At $4301 for a six-month premium, Allstate offers the most expensive rate for teen drivers.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star Mutual Insurance	$138	$23
Nodak Mutual	$143	$24
Nationwide	$158	$27
Auto-Owners Insurance Co	$179	$30
USAA	$613	$103
American Family	$1053	$177
Auto-Owners	$1078	$181
North Star	$1308	$218
Progressive	$1614	$272
State Farm	$1640	$276
Nodak	$1890	$322
Farmers	$3954	$666
Allstate	$4301	$724

Teen Car Insurance Rates in ND by Age

Car Insurance Rates by Credit Score & Driving History

Similar to your driving history, your financial history also plays a key role in determining your auto insurance rates. A low credit score would mean a lapse in payment and increased chances of filing claims, which results in higher auto insurance rates. Therefore, the higher the credit score, the lower the car insurance rates will be.

Cheapest Car Insurance Companies for Bad Credit

For those with poor credit scores in West Fargo, Nationwide is the cheapest car insurance provider. At $194 for a six-month premium, they offer the best rates in the city. The most expensive auto insurance rate for drivers with bad credit in West Fargo is State Farm, offering rates of around $2391 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$194	$33
Nodak Mutual	$301	$52
Progressive	$685	$115
American Family	$827	$139
USAA	$848	$141
Nodak	$1477	$251
Allstate	$1512	$252
Farmers	$1901	$323
Auto-Owners	$2309	$384
State Farm	$2391	$407

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Car Insurance Rates with An Accident in West Fargo

Both accidents and the resulting increase in insurance rates are often beyond our control. When you’re involved in an accident, you become riskier to insure, consequently increasing the rates. In West Fargo, ND, accidents can lead to significant hikes in your premiums.

Cheapest Car Insurance Companies after an At-Fault Accident in West Fargo

The cheapest car insurance companies after an at-fault accident in West Fargo include Nationwide and Nodak Mutual, offering $132 and $174, respectively. Farmers is an expensive provider with an average six-month premium of $1430.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$132	$22
Nodak Mutual	$174	$29
Auto-Owners Insurance Co	$200	$34
North Star Mutual	$200	$34
North Star Mutual Insurance	$224	$38
USAA	$347	$58
American Family	$450	$76
Auto-Owners	$450	$76
State Farm	$556	$94
Progressive	$838	$141
Nodak	$863	$145
North Star	$1047	$178
Allstate	$1318	$222
Farmers	$1430	$241

West Fargo Car Insurance Rates by Violation

Here is a list of driving violations that can increase your car insurance rates in West Fargo ND. For example, the car insurance in West Fargo after a DUI increases to $715 for a six month policy. While the rate increases by $153 for a six-month policy in the case of a speeding ticket.

West Fargo auto insurance quotes by violations

Accident/Violation	Avg. 6 Mo Premium	Avg. Monthly Premium
None	$889	$148
One Med/PIP claim	$889	$151
Not-at-fault accident	$904	$151
One comp claim	$919	$157
Two Med/PIP claims	$919	$153
Two comp claims	$966	$164
Failure to show documents	$971	$162
Driving with expired registration	$991	$169
Failure to wear a seat belt	$996	$166
Child safety restraint	$1001	$170
Driving without lights	$1001	$167
Cell phone violation	$1022	$174
Failure to yield	$1022	$170
Following too closely	$1022	$174
Illegal turn	$1022	$170
Texting while driving	$1022	$174
Driving too slowly	$1032	$172
Failure to stop at a red light	$1032	$175
Speeding in school zone	$1032	$172
Speeding 6 - 10 MPH over limit	$1042	$177
Wrong way/wrong lane	$1047	$175
Speeding 11 - 15 MPH over limit	$1053	$179
Speeding 16 - 20 MPH over limit	$1063	$177
Speeding 21 - 25 MPH over limit	$1063	$181
Improper passing	$1072	$179
Passing school bus	$1088	$185
In 65 MPH zone	$1093	$182
Operating a vehicle without permission	$1154	$196
At-fault accident - less than $1000	$1170	$195
Open container	$1211	$206
At-fault accident - $1000-$2000	$1221	$204
At-fault accident - greater than $2000	$1221	$207
Driving with a suspended license	$1446	$241
Refusal to submit to a chemical test	$1527	$260
Reckless driving	$1538	$256
DUI	$1604	$273
Racing	$1604	$267
Leaving scene of an accident/hit and run	$1645	$280

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Way Tip

Avoid Having A DUI On Your Driving Record.

A DUI can increase your car insurance rates—by $5,000 to $10,000 over five years. Speeding, reckless driving, and at-fault accidents also raise rates, staying on your record for 3–5 years, while DUIs/DWIs can impact you longer.

Car Insurance Rates in West Fargo after a DUI

There may have been times when you drank but chose not to drive—a smart and responsible decision, as most states treat DUIs as a serious offense. Your car insurance rates can double after a DUI charge, making it harder to find affordable coverage in West Fargo.

The cheapest car insurance premiums in West Fargo are offered by Nodak Mutual at $205 for a six-month policy. However, it can be as expensive as $1727 with companies like Allstate.

West Fargo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$205	$34
Grinnell Mutual	$230	$39
Nationwide	$245	$41
Progressive	$531	$89
American Family	$577	$97
USAA	$613	$103
State Farm	$716	$120
Nodak	$787	$132
Allied	$1017	$169
Auto-Owners	$1313	$224
Farmers	$1400	$236
Allstate	$1727	$291

Cheapest car insurance after a speeding ticket

One of the easiest ways to save money on car insurance is to stay within the speed limit. After a speeding violation, the cheapest car insurance premiums in West Fargo are offered by Nationwide at $158. However, it can be as expensive as $2217 with companies like Allstate for a similar six-month premium.

Cheapest Car Insurance in West Fargo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$158	$27
Nodak Mutual	$158	$27
Auto-Owners Insurance Co	$169	$28
American Family	$403	$68
State Farm	$403	$68
USAA	$475	$81
Progressive	$582	$98
Auto-Owners	$716	$121
Nodak	$777	$129
Farmers	$2196	$373
Allstate	$2217	$370

Car Insurance Price Trends in West Fargo, North Dakota

Car insurance rates in West Fargo have fluctuated due to factors such as state regulations, inflation, and changing driving habits.

The average cost of full coverage in the West Fargo remained steady at $151 in both December and November, indicating no change over the two month period.

The average cost of liability insurance in the West Fargo remained steady at $32 in both December and November, indicating no change over the two month period.

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Frequently Asked Questions

How much is car insurance in West Fargo?

The car insurance in West Fargo is $20 per month, which is lower than the national average.

What is the cheapest car insurance in West Fargo?

The cheapest car insurance in West Fargo is $59 per month for full coverage.

How much is car insurance in West Fargo for teenagers?

Car insurance for teenagers costs $138 per 6 months. The rates for teen drivers are higher due to their lack of experience as drivers.

What's the average cost of car insurance in West Fargo?

The average cost of car insurance is $771 for a six-month policy. It will cost around $111 per month to insure your car in West Fargo.

Is car insurance expensive in West Fargo?

Car insurance can be expensive in West Fargo if your rating factors are not favorable. However, with a clean driving record and good credit score, car insurance rates in West Fargo can be affordable.

What is the best car insurance in West Fargo, ND?

The best car insurance company in West Fargo ND is Nodak Mutual, offering $347 for a six-month policy.