Your needs and profile will determine which auto insurance provider is the cheapest for you. Nodak Mutual has the cheapest minimum and full coverage auto insurance in Fargo. The provider also tops the list for young adult drivers and seniors. American Family is the most affordable carrier if you drive a sports car or have an at-fault accident on your record. Meanwhile, Nationwide is the cheapest for teens and drivers with bad credit, State Farm has the lowest rates for drivers with speeding tickets and DUIs and USAA is the most affordable for military personnel.
We also evaluated the best car insurance providers in Fargo. This can be helpful if you prioritize elements other than cost.
Cheapest Car Insurance in Fargo, ND









Cheapest Minimum Coverage Car Insurance in Fargo
The lowest rates for a policy that offers the state’s minimum car insurance coverage in Fargo are from the following two providers:
- Nodak Mutual: $217 per year
- State Farm: $282 per year
Allstate offers the highest rate for a minimum coverage auto insurance policy at $607 per year. On a statewide basis, Nodak Mutual is also the least expensive auto insurance provider in North Dakota, costing an average of $225 a year, which is slightly higher than the insurer’s average rate in Fargo. Note that there may be changes in your actual rates based on where you live.
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Based on North Dakota auto insurance laws, a minimum coverage policy must include bodily injury liability, personal injury protection, property damage liability and uninsured/underinsured motorist coverage:
- $25,000 bodily injury liability per person
- $50,000 bodily injury liability per accident
- $25,000 property damage liability per accident
- $25,000 uninsured/underinsured motorist coverage per person
- $50,000 uninsured/underinsured motorist coverage per accident
- $30,000 personal injury protection
With a minimum coverage policy, the insurer will cover bodily injury liability coverage costs up to $50,000 per accident. If you cause $80,000 in injuries in an at-fault accident, your insurer will pay $50,000 and you’ll need to pay the remaining $30,000.
Cheapest Full Coverage Car Insurance in Fargo
The following auto insurance providers offer the most affordable full coverage policies in Fargo, North Dakota:
- Nodak Mutual: $543 per year
- American Family: $581 per year
Allstate charges approximately $981 a year for full coverage, the highest average rate in the city. Zooming out for a look at the entire state, American Family is the most affordable full coverage auto insurance company in North Dakota, with an average yearly cost of $615. Your exact location within the state can significantly influence your auto insurance rates and the cheapest provider for your profile.
Full coverage car insurance policies add comprehensive and collision insurance.
- Collision insurance: If you get into an accident, such as hitting an object or another car, collision insurance will pay for the replacement or repair of your vehicle.
- Comprehensive Insurance: This protects your vehicle against damages from non-collision incidents, including floods, fires, vandalism and theft.
Owners of older cars may not find the extra expense of full coverage insurance to be worthwhile, as the vehicle’s value might be too low to justify spending hundreds more per year for insurance.
Cheapest Car Insurance in Fargo After a Driving Offense
These Fargo car insurance carriers offer the lowest average rates for drivers with the following traffic violations:
- Speeding ticket: State Farm ($604 per year)
- At-fault accident: American Family ($581 per year)
- DUI: State Farm ($604 per year)
GEICO has the most expensive policies for drivers with accidents ($1,269) and DUIs ($1,940), while Allstate is the costliest for speeding tickets ($1,097).
There is usually a significant increase in auto insurance costs after a violation. In most cases, the lowest rates for poor records are much higher than safe driving rates.
Your car insurance cost after a violation often correlates with the severity of the offense — insurance costs more for drivers with severe violations. For instance, in Fargo, the average policy for a driver with a DUI ($1,121) is $302 more expensive than the typical policy for a driver with a speeding ticket ($819). You can still find cheap auto insurance with a bad driving record by analyzing available options in your area.
Cheapest Car Insurance in Fargo for Teens and Their Families
The cheapest car insurance for teen drivers added to a family policy in Fargo comes from the following insurers:
- Nationwide: $992 per year for female teens; $1,105 per year for male teens
- GEICO: $1,212 per year for female teens; $1,487 per year for male teens
Premiums for teen drivers on a family policy from Auto-Owners Insurance Co are the highest. Teen boys pay about $2,130 yearly, while teen girls pay $2,001.
Note the disparity between rates for teen boys and girls. In most cases, insurers consider teen boys to be riskier to cover, although the gap drops off in adulthood.
Parents can save on auto insurance costs by enrolling teens in their family policy instead of allowing them to purchase a policy on their own. In Fargo, a teen boy would pay an average of $2,936 more per year to buy his own policy instead of joining the family policy. You can save some money by shopping around for the cheapest teen auto insurance.
Cheapest Car Insurance in Fargo for Military Drivers
For full coverage insurance, the two most affordable military car insurance providers in Fargo are:
- USAA: $413 per year
- Nodak Mutual: $543 per year
Not only does USAA offer the lowest full coverage rates, but the company also has policies specifically tailored for military families. If you opt for a minimum coverage policy, USAA is still the most affordable provider, with an annual premium of about $158. Nodak Mutual is the second cheapest at $217 per year.
How to Compare Cheap Fargo Car Insurance Quotes Online
Obtaining an auto insurance quote online in Fargo can involve a lengthy process, and providing the necessary personal information may take up to 15 minutes for a single insurer. Fortunately, MoneyGeek's car insurance calculator allows you to quickly access a reasonable cost estimate based on your age, vehicle type, coverage level and driving history.
Auto Insurance Calculator
See how the Average Annual Auto Insurance Rates vary with the options chosen.
Average Annual Auto Insurance Rates
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Cheapest Car Insurance in Fargo for Young Adults
Based on the 10 insurers we evaluated in Fargo for full coverage policies, the cheapest options for drivers in their 20s are:
- Nodak Mutual: $605 per year
- American Family: $667 per year
Grinnell Mutual policies feature the highest average annual rate for young adults, with a cost of approximately $1,134. Generally, the cheapest auto insurance for young drivers costs more than it does for middle-aged drivers. In Fargo, a 25-year-old driver pays an average of $861 per year, $141 more than a 40-year-old purchasing the same coverage.
Cheapest Car Insurance in Fargo for Seniors
The following providers offer the cheapest car insurance for seniors in Fargo, North Dakota:
- Nodak Mutual: $431 per year
- GEICO: $494 per year
The most expensive full coverage auto insurance for Fargo seniors comes from Allstate, costing approximately $1,028 yearly.
The cost of auto insurance in Fargo is lower for drivers in their 60s than middle-aged drivers. On average, seniors pay about $661 yearly for full coverage, while 40-year-olds pay $720. Premiums usually tend to increase for drivers in their 70s and 80s because of the increased likelihood of filing a claim.
Cheapest Car Insurance in Fargo for Poor Credit
For Fargo drivers seeking full coverage, the cheapest car insurance policies for poor credit come from the following companies:
- Nationwide: $888 per year
- American Family: $903 per year
Auto-Owners Insurance has the highest average premium at $2,214 per year. Typically, a good credit score will get you better auto insurance rates. In Fargo, you will pay about $589 or 82% more per year if you have a bad credit score.
Insurers typically charge higher rates for drivers with poor credit because they file claims more frequently. North Dakota allows insurers to set rates and determine whether to renew or sell you a car insurance policy based on your credit. By responsibly paying off your debts, you can improve your score over time. You may also find the best rates by considering policies that include bundling and other discounts that help lower your premium, as well as comparing quotes from multiple companies.
Cheapest Car Insurance in Fargo for Sports Cars
For full coverage policies, the following insurers offer the cheapest auto insurance for sports cars in Fargo:
- American Family: $547 per year
- Nationwide: $675 per year
The most expensive policies for sports car insurance come from Progressive and cost about $1,035 yearly. The repair and replacement costs for sports cars are higher than for standard vehicles. That means you will pay more for insurance. In Fargo, sports car owners will pay about $51 more per year for insurance than a driver with a Toyota Camry.
The sample sports car used by MoneyGeek to obtain quotes for this study is a Ford Mustang. However, actual rates may vary based on your sports car model. Generally, insurance costs for sports cars and electric vehicles are quite high.
Average Cost of Car Insurance in Fargo
In Fargo, the average rate of an auto insurance policy is $695, roughly $51 lower than the average annual auto insurance cost in North Dakota. It is $570 lower than the national average. Several factors contribute to the difference in rates, including your location.
These rates represent full coverage insurance with $100,000 in bodily injury liability per person and $300,000 per accident plus $100,000 in property damage liability per accident.
About Mark Fitzpatrick
