bestauto insuranceFargoCompare the Cheapest Car Insurance Quotes in Fargo, ND
Compare Rates
Ensure you're getting the best rate. Review quotes from a top insurance company.
The cheapest insurance for you depends on your elected coverage and profile. In Fargo, on average, Nodak Mutual is the cheapest insurer, and the most affordable option for a state minimum policy or with a speeding ticket. For military families, USAA may be best. With regards to cost and customer service, MoneyGeek rated Auto-Owners as the best company.
bestauto insuranceFargoThe Cheapest and Best Car Insurance in Fargo
Cheapest Overall - Nodak Mutual
Cheapest State Minimum - USAA
Cheapest With a Driving Violation - American Family
Best Overall - Auto-Owners Insurance
The Cheapest Car Insurance Companies in Fargo
MoneyGeek’s research shows that, on average, the cheapest companies for a full coverage policy in Fargo are:
- Nodak Mutual: $492 per year
- GEICO: $555 per year
Drivers with a military background may benefit the most from USAA, with a low average annual cost of $403.
Nodak Mutual offers a cheap full coverage policy in Fargo, an average of $790 less than MetLife, which has the most expensive policy at $1,282 annually.
A full coverage policy includes comprehensive, collision and liability coverage. The cost depends on the amount of liability insurance you purchase.
Cheapest Car Insurance in Fargo
Full Coverage 100/300/100
- Company100/300/100per year
- 1.$403
- 2.Nodak Mutual$492
- 3.$555
- 4.$577
- 5.$579
MoneyGeek collected average rates for a 40-year-old male driver in Fargo with a full coverage policy, as our methodology details.
While a full coverage policy costs more than a minimum coverage policy, it’s more valuable since it includes liability, plus comprehensive coverage and collision insurance to protect your car.
- Comprehensive insurance: covers damage from events like hail or theft.
- Collision insurance: pays for damage to your car in an accident.
For an older car, it could be better to get a minimum coverage policy because a full coverage policy may cost more than the car’s value.
Compare Car Insurance Rates in Fargo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
Cheapest Car Insurance in Fargo for Minimum Coverage
In Fargo and elsewhere, the coverage level you purchase, among other factors, impacts the cost of your car insurance. A minimum liability policy costs an average of $376 per year, whereas full coverage car insurance costs roughly $743 annually. Drivers pay a difference of $366 on average, depending on the amount of coverage they choose.
Cheapest Minimum Liability Car Insurance in Fargo
State Minimum
- CompanyState Minimumper year
- 1.$171
- 2.Nodak Mutual$208
- 3.$283
- 4.$286
- 5.$305
North Dakota requires drivers to have an auto insurance policy with 25/50/25 plus uninsured/underinsured motorist and personal injury protection (PIP) of $150/week with a $30,000 maximum.
A minimum coverage policy is the cheapest in Fargo, but with low limits, you may pay out of pocket after an accident.
For example, if the other party’s property damage is $40,000 and you have coverage for $25,000, you must pay $15,000 out of pocket.
North Dakota Minimum Liability Requirements
- ItemDescription
- Bodily Injury and Property Damage$25,000 per person, $50,000 per accident and $25,000 for property damage. A more protective level is 100/300/100.
- Uninsured Motorist$25,000 per person and $50,000 per incident. The minimum coverage may not be enough if you're in a serious accident.
- Personal Injury Protection$30,000 per person.
Cheapest Car Insurance in Fargo if You Have Driving Violations
Driving violations like a speeding ticket, DUI or at-fault accident raise your car insurance. The cheapest companies in Fargo, depending on the type of violation, are:
- Cheapest after a speeding ticket: Nodak Mutual, $584 average per year
- Cheapest after a DUI: American Family, $598 average per year
- Cheapest after an at-fault accident: American Family, $598 average per year
If you have a military background, USAA may be the cheapest with a speeding ticket or an at-fault accident on your record.
Drivers with a bad record in Fargo can find cheaper car insurance rates by improving their records over time. Meanwhile, shop around and choose the company that offers you the best deal.
Cheapest Car Insurance in Fargo With a Violation
Speeding Ticket
- CompanySpeeding Ticketper year
- 1.$475
- 2.Nodak Mutual$584
- 3.$598
- 4.$634
- 5.Allied$837
Average Cost of Car Insurance in Fargo
Fargo$743
ND$743
U.S.$1,424
In Fargo, the average annual cost of car insurance is $743, which is equal to the state average and markedly lower than the national average. Compared with the typical cost of car insurance in the United States, drivers in Fargo spend an average of 47.8% less on their premiums.
Personalized Quotes to Get You the Cheapest Car Insurance in Fargo
Car insurance companies in Fargo rely on a variety of factors to analyze risk profiles when providing personalized car insurance quotes. Age, vehicle type, driving record and the make and model of the vehicle can be major considerations. For example, a Nodak Mutual policy would cost an average of $649 more for an 18-year-old driver in comparison with a 40-year-old driver. Personalized quotes can help you get the right rates, deals and savings options for your current situation.
Compare Car Insurance Rates in Fargo
Ensure you're getting the best rate for your car insurance. Compare quotes from the top insurance companies.
The Best Car Insurance Companies in Fargo
For Fargo drivers seeking quality coverage and affordable rates, MoneyGeek’s ratings ensure that they find the cheapest rates from the best providers.
According to MoneyGeek’s scores, the best auto insurance companies in Fargo for most drivers are:
- Auto-Owners: MoneyGeek score of 98 out of 100
- GEICO: MoneyGeek score of 93 out of 100
USAA received the highest score in Fargo by MoneyGeek's rating system. If you’re eligible because of active military service or as a veteran, it is the best company for car insurance.
MoneyGeek ranked car insurance companies using a methodology that includes affordability, user satisfaction and financial stability scores from J.D. Power.
1
American Family
Score:86
2
State Farm
Score:84
3
GEICO
Score:79
4
AAA
Score:79
5
Farmers
Score:73
6
Progressive
Score:71
7
Nodak Mutual
Score:66
8
Allstate
Score:64
9
Allied
Score:49
10
National Farmers Union P&C
Score:41
11
MetLife
Score:25
Average Cost of Car Insurance by Postal Code
Car insurance quotes in Fargo don’t vary much based on where you reside. Price variation across different ZIP codes in Fargo is negligible, with rates differing by only about $13 across different neighborhoods on average.
- Zip CodeState Minimumper year
- 58102$737
- 58104$740
- 58103$751
Factors That Impact Insurance Costs in Fargo
In addition to individual driver needs and history, location-specific factors like personal injury protection coverage requirements and the percentage of uninsured motorists also contribute to car insurance rates in Fargo. How Fargo ranks compared to the 300 most populous cities in the United States can have a significant impact on premium costs.
About Mark Fitzpatrick
