Cheapest Car Insurance Quotes in West Fargo

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West Fargo Car Insurance

^$ 19

/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 $686 for a six-month policy, which is $131 lower than the higher than the state average. Root Insurance Company offers the lowest rates in the city at $339, 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

$686

Avg. Car Insurance in North Dakota

$817

National Average

$1278

Cheapest Car Insurance Companies in West Fargo

1st place: Nodak Mutual

At $339 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 $375 for a six-month policy, making it one of the cheapest to insure with.

3rd place: American Family

American Family offers auto insurance rates at $404 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 $339 for a six-month term. This is followed by Nationwide, which has an average six-month premium of $375.

At the higher end of the spectrum, Farmers is the most expensive, with rates reaching $1163 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	$339	$58
Nationwide	$375	$63
American Family	$404	$68
USAA	$514	$87
North Star	$579	$98
Progressive	$669	$113
State Farm	$699	$118
North Star Mutual	$779	$129
Auto-Owners	$838	$143
Nodak	$903	$152
Allstate	$978	$165
Farmers	$1163	$196

Key Takeaways

Way's key takeaways about car insurance in West Fargo

The auto insurance costs in West Fargo fall around $339 for six months.
The cheapest auto insurance company in West Fargo is North Star.
Teen drivers pay the highest rate in West Fargo at $735 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 $115. Farmers is the most expensive at $394 for the same period.

Cheapest Liability Coverage in West Fargo, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
North Star	$115	$19
USAA	$120	$20
Nationwide	$129	$22
Nodak Mutual	$129	$22
North Star Mutual Insurance	$129	$22
North Star Mutual	$134	$23
Auto-Owners Insurance Co	$139	$24
American Family	$165	$28
Auto-Owners	$165	$28
Nodak	$165	$28
State Farm	$175	$29
Progressive	$180	$30
Allstate	$394	$66
Farmers	$394	$66

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 $58 per month and $339 for six months.

Cheapest Full Coverage Car Insurance Quotes in West Fargo, ND

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$339	$58
Nationwide	$375	$63
American Family	$404	$68
USAA	$514	$87
North Star	$579	$98
Progressive	$669	$113
State Farm	$699	$118
North Star Mutual	$779	$129
Auto-Owners	$838	$143
Nodak	$903	$152
Allstate	$978	$165
Farmers	$1163	$196

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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 $4366 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	$134	$23
Nodak Mutual	$139	$24
Nationwide	$155	$26
Auto-Owners Insurance Co	$175	$29
American Family	$643	$108
USAA	$664	$112
North Star Mutual	$1028	$175
Auto-Owners	$1088	$183
North Star	$1278	$218
State Farm	$1651	$278
Progressive	$1816	$306
Nodak	$2360	$393
Farmers	$4276	$720
Allstate	$4366	$735

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 $190 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 $3184 for six months.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$190	$32
American Family	$209	$35
Nodak Mutual	$294	$50
Progressive	$874	$147
USAA	$923	$157
North Star Mutual	$1292	$215
Allstate	$1572	$267
Nodak	$1851	$308
Farmers	$2265	$386
Auto-Owners	$2445	$407
State Farm	$3184	$541

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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 $129 and $170, respectively. Farmers is an expensive provider with an average six-month premium of $1572.

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nationwide	$129	$22
Nodak Mutual	$170	$29
Auto-Owners Insurance Co	$195	$33
North Star Mutual Insurance	$219	$37
American Family	$285	$48
USAA	$370	$62
Auto-Owners	$469	$79
State Farm	$559	$94
North Star Mutual	$764	$129
Progressive	$943	$159
North Star	$1023	$171
Nodak	$1063	$179
Allstate	$1332	$224
Farmers	$1572	$265

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 $698 for a six month policy. While the rate increases by $149 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	$869	$144
One Med/PIP claim	$869	$148
Not-at-fault accident	$883	$147
One comp claim	$898	$153
Two Med/PIP claims	$898	$150
Two comp claims	$943	$160
Failure to show documents	$948	$158
Driving with expired registration	$968	$165
Failure to wear a seat belt	$973	$162
Child safety restraint	$978	$166
Driving without lights	$978	$163
Cell phone violation	$998	$170
Failure to yield	$998	$166
Following too closely	$998	$170
Illegal turn	$998	$166
Texting while driving	$998	$170
Driving too slowly	$1008	$168
Failure to stop at a red light	$1008	$171
Speeding in school zone	$1008	$168
Speeding 6 - 10 MPH over limit	$1018	$173
Wrong way/wrong lane	$1023	$171
Speeding 11 - 15 MPH over limit	$1028	$175
Speeding 16 - 20 MPH over limit	$1038	$173
Speeding 21 - 25 MPH over limit	$1038	$176
Improper passing	$1047	$175
Passing school bus	$1063	$181
In 65 MPH zone	$1068	$178
Operating a vehicle without permission	$1127	$192
At-fault accident - less than $1000	$1142	$191
Open container	$1183	$201
At-fault accident - $1000-$2000	$1193	$199
At-fault accident - greater than $2000	$1193	$202
Driving with a suspended license	$1412	$235
Refusal to submit to a chemical test	$1492	$254
Reckless driving	$1502	$250
DUI	$1567	$266
Racing	$1567	$261
Leaving scene of an accident/hit and run	$1607	$273

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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 $200 for a six-month policy. However, it can be as expensive as $993 with companies like Allied.

West Fargo car insurance quotes with a DUI

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
Nodak Mutual	$200	$34
Grinnell Mutual	$224	$38
Nationwide	$239	$40
American Family	$354	$60
Progressive	$589	$99
USAA	$659	$111
State Farm	$723	$122
Nodak	$953	$160
Auto-Owners	$1397	$233
Farmers	$1541	$260
Allstate	$1751	$295
North Star	$1801	$307
North Star Mutual	$2220	$370
Allied	$993	$165

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 American Family at $144. However, it can be as expensive as $1921 with companies like Farmers for a similar six-month premium.

Cheapest Car Insurance in West Fargo after Speeding ticket

Company	Avg. 6 Mo. Premium	Avg. Monthly Premium
American Family	$144	$24
Nationwide	$155	$26
Nodak Mutual	$155	$26
Auto-Owners Insurance Co	$165	$28
State Farm	$404	$68
USAA	$654	$109
Progressive	$689	$116
Auto-Owners	$838	$139
North Star Mutual	$978	$166
Allstate	$1147	$192
Nodak	$1322	$225
Farmers	$1921	$320

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 $160 in both February and January, indicating no change over the two month period.

The average cost of liability insurance in the West Fargo remained steady at $31 in both February and January, 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 $19 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 $58 per month for full coverage.

How much is car insurance in West Fargo for teenagers?

Car insurance for teenagers costs $134 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 $817 for a six-month policy. It will cost around $115 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 $339 for a six-month policy.