The Best Car Insurance in Fargo, ND, for 2023
The best car insurance companies balance customer satisfaction, affordability and financial stability. In Fargo, the best is American Family, with a MoneyGeek score of 86 out of 100. But your best option may depend on your age and coverage needs.
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Overall, American Family ranked as the best car insurance company in Fargo, North Dakota. However, the best insurer for you depends on your age and driving profile. In this guide, MoneyGeek broke down the best providers for young and senior drivers, individuals with driving violations and those with a military background. We also provide resources for the cheapest car insurance in Fargo for shoppers on a budget.
The Best Car Insurance in Fargo






Best Car Insurance Companies in Fargo: Overall
MoneyGeek scored the best car insurance companies in Fargo based on average rates, claims ratings and customer satisfaction. Using these factors, we found that the best overall car insurance companies in Fargo are:
- American Family: 86 out of 100
- State Farm: 84 out of 100
USAA received a perfect MoneyGeek score of 100 out of 100, making it the best auto insurer in Fargo if eligible. We excluded it from our analysis because its policies are only available to military members and veterans.
The Top Car Insurance Companies in Fargo

American Family received high scores for affordability and customer satisfaction. On average, its full coverage auto policy in Fargo costs $577 per year. The company offers original equipment manufacturer (OEM) add-on coverage.
With American Family, you can add original equipment manufacturer (OEM) coverage to your policy. This unique yet widely available add-on coverage helps ensure that aftermarket parts will not be used when repairs are made to your vehicle.
Read MoneyGeek's American Family auto Insurance Review
State Farm garnered high ratings for affordability, claims and customer satisfaction. It offers a full coverage policy in Fargo at an average cost of $579 per year. State Farm provides add-on rideshare insurance coverage.
State Farm doesn’t offer many additional coverage options. Its rarest coverage is rideshare insurance, which is beneficial for drivers working for a rideshare company. It makes sure that medical, emergency roadside assistance and rental car reimbursement in your personal auto insurance remain in effect while working.
Read MoneyGeek's State Farm auto Insurance ReviewMoneyGeek found the cheapest car insurance companies in Fargo to help drivers on a budget save money. We have the following resources for those who want more information on car insurance in North Dakota:
Best Cheap Car Insurance for Minimum Coverage in Fargo
The best car insurance companies in Fargo for a policy that meets the North Dakota minimum car insurance requirements are:
- AAA: 79 out of 100
- American Family: 77 out of 100
MoneyGeek calculated these scores by analyzing policies for drivers with different backgrounds, including young and senior drivers and those with driving violations.
MoneyGeek’s Pick: AAA

pros
A minimum coverage policy costs around $286 per year
MoneyGeek claims rating of 4 out of 5
MoneyGeek customer satisfaction rating of 4 out of 5
Offers discounts for bundling, insuring multiple cars and early policy signing
cons
No safe driving discount
COMPANY HIGHLIGHTS
AAA offers several common discounts to policyholders. You can save on car insurance if you bundle multiple policies from this company, insure two or more cars or have an anti-theft system in your vehicle.
Additionally, AAA has unique discount opportunities that customers can take advantage of to save money. These include discounts for buying a policy in advance and being a member of a qualifying partner organization or professional group.
Best Car Insurance for Young Drivers in Fargo
To find the best affordable car insurance for young drivers in Fargo, MoneyGeek considered different policy coverages and driving histories for 18-year-old drivers. Based on our analysis, the best auto insurance companies in Fargo are:
- American Family: 92 out of 100
- State Farm: 81 out of 100
Car insurance for teens and student auto insurance is often more expensive due to the lack of experience young drivers have behind the wheel.
MoneyGeek’s Pick: American Family

pros
A full coverage policy for safe teen drivers costs around $1,209 per year
MoneyGeek customer satisfaction rating of 4 out of 5
Offers good student and distant student discounts
cons
MoneyGeek claims rating of 3.5 out of 5
No discount for completing a driver’s education course
COMPANY HIGHLIGHTS
American Family offers the best combination of affordability and customer service for young drivers. By providing quality service to its customers, this insurer assures students/teens and parents alike that they won’t encounter any trouble if they make a claim.
American Family also offers discounts that a student or teen driver can take advantage of to lower their premium. For example, students who live more than 100 miles away from home but whose car is parked at home could qualify for a distant student discount. Meanwhile, those with good grades are eligible for a good student discount. American Family also offers roadside assistance and accident forgiveness add-on coverages.
Best Car Insurance for Senior Drivers in Fargo
For senior drivers in Fargo, the best auto insurance companies are:
- American Family: 85 out of 100
- State Farm: 83 out of 100
These scores were calculated based on different policy coverages and driving histories for 70-year-old drivers. Car insurance for senior drivers tends to be slightly more expensive compared to the cost for middle-aged drivers.
MoneyGeek’s Pick: American Family

pros
A full coverage policy for a safe senior driver costs roughly $534 per year
MoneyGeek customer satisfaction rating of 4 out of 5
Offers a senior driver and defensive driving discount (in some states)
cons
MoneyGeek claims rating of 3.5 out of 5
COMPANY HIGHLIGHTS
While there’s zero difference between car insurance for senior drivers and other drivers, some companies charge seniors a higher premium. American Family, however, offers low rates and other perks.
Senior drivers in certain states who complete an approved defensive driving course are eligible for a defensive driving or senior discount. They can also purchase common add-on coverages, including gap insurance, roadside assistance, rental car/travel reimbursement and accident forgiveness. In addition, American Family has original equipment manufacturer (OEM) add-on coverage, which ensures aftermarket parts are not used for vehicle repairs.
Best Car Insurance With a Driving Violation in Fargo
In Fargo, the best car insurance companies for a driver with an at-fault accident on their record are:
- American Family: 92 out of 100
- State Farm: 87 out of 100
These MoneyGeek scores are based on different policy coverages and driver ages. Because car insurance with a bad driving record tends to be significantly expensive, it’s best to shop around to find affordable rates.
MoneyGeek’s Pick: American Family

pros
A full coverage policy for a 40-year-old driver with an on-record accident averages $598 yearly
MoneyGeek customer satisfaction rating of 4 out of 5
Offers eight out of nine common discounts
cons
MoneyGeek claims rating of 3.5 out of 5
COMPANY HIGHLIGHTS
Since an at-fault accident or another violation on your record can increase your auto insurance premium, you can benefit from American Family’s discounts, appropriate coverages and great service.
American Family offers eight out of nine common discounts. You can save on car insurance if you bundle policies, insure multiple cars, pay in full, go paperless and more. American Family also offers accident forgiveness add-on coverage, which ensures that your insurance costs won’t increase after an accident. Plus, it has original equipment manufacturer (OEM) add-on coverage, which is rarely offered by companies.
Best Car Insurance With a Military Background in Fargo
Balancing affordability and customer satisfaction, USAA offers the best car insurance for military members in Fargo. USAA received a perfect MoneyGeek score of 100 out of 100, which was calculated based on different coverage levels and driver backgrounds, including young and older drivers and those with violations.
USAA only offers its policies to military members, veterans and their families, catering to their specific needs.
MoneyGeek’s Pick: USAA
pros
A full coverage policy costs around $403 per year for a 40-year-old driver
Offers five of the most common discounts, including multiple car, safe driving and defensive driving
MoneyGeek claims rating of 5 out of 5
MoneyGeek customer satisfaction rating of 5 out of 5
cons
Only offers three of the seven common coverages, missing gap insurance and better car replacement
Only available to military members, veterans and their families
COMPANY HIGHLIGHTS
For military members looking for car insurance, USAA is an ideal option because of its consistent affordability and quality service. It offers three of the most common add-on coverages: roadside assistance, rental car/travel reimbursement and accident forgiveness. However, USAA doesn’t offer any unique add-on coverages, which can be a drawback.
USAA has five common discounts available to its policyholders. For example, you can save money by bundling policies, insuring multiple cars or maintaining a safe driving record. Plus, if you drive a vehicle that’s less than three-years-old, you may qualify for the new vehicle discount.
Methodology
MoneyGeek scored car insurance companies in Fargo, North Dakota, using industry-leading data evaluations from J.D. Power, AM Best and the National Association of Insurance Commissioners (NAIC).
To create a composite MoneyGeek score, we applied the following weightings:
- Affordability (70%): MoneyGeek compared quotes from providers in Fargo to rank them based on the average cost of their policies. The most affordable insurer was eligible for a perfect score of five.
- Customer satisfaction and claims satisfaction (20%): MoneyGeek evaluated scores from J.D. Power surveys to measure customer satisfaction with each insurance provider based on service and claims. Each sub-category was weighted at 10%.
- Financial stability (10%): MoneyGeek used AM Best ratings to determine an insurance company’s ability to fulfill financial obligations.
MoneyGeek scaled each category's score to five points and the overall score to 100 points. We calculated the overall affordability score by considering different factors, including age, driving record and coverage levels. Different driver profiles were also used to reflect appropriate categories.
Car insurance premiums reflect a full coverage policy with the following limits:
- $100,000 bodily injury liability per person
- $300,000 bodily injury liability per accident
- $100,000 property damage liability
- Comprehensive and collision coverage with a $1,000 deductible
You may review MoneyGeek’s car insurance methodology to see how we obtain quotes, calculate average premiums and more.
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