Best Car Insurance Companies in Fargo, ND

The best car insurance company for you depends on your needs and driving profile. American Family is the best provider of full coverage insurance and cheap insurance, as well as for seniors, young adults and drivers with violations. Grinnell Mutual has the best customer service, while Nationwide offers the best insurance for teens. For new vehicles, Farmers earned the highest score. For those who prioritize cost, MoneyGeek also highlighted the cheapest auto insurance companies in Fargo.

The following firms offer the best car insurance in Fargo:

• American Family: MoneyGeek score of 78 out of 100 ($581 per year)
• State Farm: MoneyGeek score of 72 out of 100 ($604 per year)

We picked American Family because it ranked second for affordability and first for coverage options among nine other insurers. For military personnel and their families, USAA tops the list, with an overall MoneyGeek score of 85.

On a statewide basis, we identified that American Family is also the top car insurer in North Dakota. In many states, your exact location can affect which company is your best option, but Fargo has the same top insurer as the state as a whole.

Of the 10 insurance providers we evaluated in Fargo, North Dakota, American Family is our top pick. It has the second-cheapest annual rates at $581 while also offering great coverage options. However, if you prioritize customer satisfaction, there may be better options available.

All of the quotes listed are for policies with full coverage. MoneyGeek scores were only awarded to companies with sufficient information in all individual rating components.

These are the top Fargo auto insurance providers for customer service, irrespective of pricing:

• Grinnell Mutual: MoneyGeek score of 70 out of 100 ($864 per year)
• Auto-Owners: MoneyGeek score of 66 out of 100 ($793 per year)

Grinnell Mutual gets the highest rating for claims processing and ranks second for customer satisfaction. Unfortunately, it also has the second-highest insurance premiums in the city. If you want Fargo’s best customer support, you’ll pay a high price for it.

Customer service is essential in times of crisis, such as when a car breaks down or is totaled. Good insurance firms are responsive to policyholders' needs and questions, and they handle claims in a timely and equitable manner.

We choose Grinnell Mutual as the best option for customer service in Fargo because it has the highest score for claims management and ranks second for overall satisfaction.

We evaluated the best cheap insurers based on the quality of their service and how much their minimum coverage policies cost. These are the top car insurance companies in Fargo, North Dakota, for minimum coverage:

• American Family: MoneyGeek score of 74 out of 100 ($299 per year)
• Auto-Owners: MoneyGeek score of 74 out of 100 ($317 per year)

Minimum coverage insurance policies are the cheapest option, but they may not offer enough protection. Only third-party injuries and damages are covered by liability-only policies. All drivers in the Peace Garden State must abide by North Dakota's minimum car insurance requirements.

If you choose an insurance company with the best minimum coverage, you'll get low rates and good customer service. Sometimes you’ll need to sacrifice one for the other, but that’s not the case with American Family, which has reasonably priced policies and solid customer satisfaction.

The following companies offer the best auto insurance for young adults in Fargo:

• American Family: MoneyGeek score of 77 out of 100 ($667 per year)
• State Farm: MoneyGeek score of 69 out of 100 ($721 per year)

As American Family ranked second for affordability and has a decent customer service rating, it is the best option in Fargo for young drivers. American Family also offers all of the most popular coverage add-ons.

If you're a young driver looking for the best insurance, it's important to compare companies based on customer service, affordability and the availability of age-specific discounts. American Family won this category because it earned at least average scores in all of these areas. It also offers good student and distant student discounts, which are helpful for college students.

The top companies in Fargo for adding a 16-year-old to a family policy are:

• Nationwide: MoneyGeek score of 73 out of 100 ($1,137 per year)
• GEICO: MoneyGeek score of 67 out of 100 ($1,557 per year)

Nationwide is the top insurer for Fargo teens, thanks to its low prices and solid selection of coverage options. However, it earned the worst customer satisfaction score in our study.

By adding a teen to a family policy instead of buying them their own policy, you could save around $2,936 yearly. We've also highlighted the best cheap auto insurance policies for teens for you to analyze.

Insurance for teenagers is expensive since they are considered the riskiest drivers. Teens and their parents should compare policies to find one that meets their needs at an affordable price.

Student drivers earning a B average or higher are eligible for discounts from Nationwide, and it is also the cheapest provider for teens. Unfortunately, no discounts for distant students are available from Nationwide. The rankings were based on quotes, J.D. Power scores and AM Best data.

The top car insurance companies in Fargo for seniors are:

• American Family: MoneyGeek score of 76 out of 100 ($521 per year)
• GEICO: MoneyGeek score of 72 out of 100 ($494 per year)

American Family provides the best auto insurance for seniors, ranking third for affordability and first for coverage options. Senior drivers receive quality service from American Family without paying a hefty price.

While premiums tend to increase for drivers in their 70s, those in their 60s pay similar rates to those of drivers in their 30s through 50s.

Seniors are usually safe motorists, and they typically pay less than younger drivers. However, their vulnerability to serious injuries in a crash makes it important to carry personal injury protection (PIP) coverage.

American Family offers safe driving, defensive driving and loyalty discounts that may help seniors save money. Its accident forgiveness and roadside assistance coverage can also reassure seniors. Additionally, its acceptable customer service and affordable rates make American Family a good option.

The best insurance providers for Fargo drivers with violations are:

• American Family: MoneyGeek score of 78 out of 100 ($681 per year)
• Grinnell Mutual: MoneyGeek score of 77 out of 100 ($864 per year)

American Family ranks second for affordability and first for coverage options. The seriousness of the infraction often correlates with an increase in expenses. Drivers in Fargo who have received speeding tickets pay an average of $99 more than drivers with clean records, and those with DUIs pay $401 more. While insurance is pricey after a traffic violation, the best cheap car insurers for drivers with bad records can help you save money.

Drivers with traffic violations like DUIs should look for an insurance company with affordable rates, discounts and useful coverages like roadside assistance and accident forgiveness. Despite having an average score in claims handling, American Family is ranked third in claims processing and has good customer satisfaction and affordability. Our runner-up, Grinnell Mutual, has higher customer satisfaction and claims management scores but a lower affordability score.

For new cars in Fargo, Farmers offers the best insurance.

• Farmers: MoneyGeek score of 71 out of 100 ($1,002 per year)
• Allstate: MoneyGeek score of 43 out of 100 ($1,395 per year)

The results are based on pricing and service quality for drivers with a 2022 model automobile. We only considered insurers offering new or better car replacement coverage.

If your car is wrecked in a covered accident, new car replacement coverage will pay for the purchase of a comparable vehicle of the same make and model, while better car replacement helps you replace it with a newer model. Farmers offers new car replacement coverage, and its policies are affordable.

New car owners should look for a company that provides new or better car replacement coverage. If your car gets totaled in a covered accident, having one of these coverages can save you thousands of dollars by paying to replace your new vehicle.

The best insurer is Farmers because it offers replacement coverage for brand-new cars and is reasonably priced. Our second choice, Allstate, costs $393 more than Farmers but has higher customer satisfaction.

The best auto insurance provider in Fargo may depend on your needs and driving record. While selecting an insurer, you might find the following responses to frequently asked questions useful.