Compare Rates and Save on Auto Insurance

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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.

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2023

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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$182

$15

Nodak Mutual

$217

$18

Nodak Mutual

$242

$20

GEICO

$254

$21

State Farm

$266

$22

State Farm

$282

$24

American Family

$289

$24

Grinnell Mutual

$293

$24

GEICO

$298

$25

American Family

$299

$25

Auto-Owners Insurance Co

$317

$26

Nationwide

$317

$26

Auto-Owners Insurance Co

$329

$27

Nationwide

$333

$28

State Farm

$342

$29

Grinnell Mutual

$345

$29

GEICO

$350

$29

Progressive

$351

$29

American Family

$353

$29

Progressive

$372

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$396

$33

Farmers

$406

$34

Progressive

$426

$35

Grinnell Mutual

$428

$36

Nodak Mutual

$431

$36

Farmers

$446

$37

Farmers

$462

$39

GEICO

$494

$41

American Family

$521

$43

Nodak Mutual

$543

$45

State Farm

$553

$46

American Family

$581

$48

Nationwide

$585

$49

GEICO

$596

$50

Allstate

$599

$50

State Farm

$604

$50

Nodak Mutual

$605

$50

Allstate

$607

$51

Nationwide

$638

$53

Allstate

$652

$54

American Family

$667

$56

Grinnell Mutual

$710

$59

GEICO

$721

$60

Auto-Owners Insurance Co

$747

$62

Nationwide

$750

$63

Farmers

$754

$63

State Farm

$764

$64

Farmers

$775

$65

Progressive

$788

$66

Auto-Owners Insurance Co

$793

$66

Progressive

$828

$69

Grinnell Mutual

$864

$72

Farmers

$895

$75

Allstate

$981

$82

Auto-Owners Insurance Co

$1,021

$85

Progressive

$1,026

$86

Allstate

$1,028

$86

Allstate

$1,031

$86

Grinnell Mutual

$1,134

$94

Insurance Rates

Compare Auto Insurance Rates

Ensure you're getting the best rate for your auto insurance. Compare quotes from the top insurance companies.

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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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$182

$15

Nodak Mutual

$217

$18

Nodak Mutual

$242

$20

GEICO

$254

$21

State Farm

$266

$22

State Farm

$282

$24

American Family

$289

$24

Grinnell Mutual

$293

$24

GEICO

$298

$25

American Family

$299

$25

Auto-Owners Insurance Co

$317

$26

Nationwide

$317

$26

Auto-Owners Insurance Co

$329

$27

Nationwide

$333

$28

State Farm

$342

$29

Grinnell Mutual

$345

$29

GEICO

$350

$29

Progressive

$351

$29

American Family

$353

$29

Progressive

$372

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$396

$33

Farmers

$406

$34

Progressive

$426

$35

Grinnell Mutual

$428

$36

Nodak Mutual

$431

$36

Farmers

$446

$37

Farmers

$462

$39

GEICO

$494

$41

American Family

$521

$43

Nodak Mutual

$543

$45

State Farm

$553

$46

American Family

$581

$48

Nationwide

$585

$49

GEICO

$596

$50

Allstate

$599

$50

State Farm

$604

$50

Nodak Mutual

$605

$50

Allstate

$607

$51

Nationwide

$638

$53

Allstate

$652

$54

American Family

$667

$56

Grinnell Mutual

$710

$59

GEICO

$721

$60

Auto-Owners Insurance Co

$747

$62

Nationwide

$750

$63

Farmers

$754

$63

State Farm

$764

$64

Farmers

$775

$65

Progressive

$788

$66

Auto-Owners Insurance Co

$793

$66

Progressive

$828

$69

Grinnell Mutual

$864

$72

Farmers

$895

$75

Allstate

$981

$82

Auto-Owners Insurance Co

$1,021

$85

Progressive

$1,026

$86

Allstate

$1,028

$86

Allstate

$1,031

$86

Grinnell Mutual

$1,134

$94

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.

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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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$215

$18

Nodak Mutual

$259

$22

Nodak Mutual

$260

$22

State Farm

$266

$22

State Farm

$266

$22

State Farm

$282

$24

State Farm

$282

$24

Nodak Mutual

$284

$24

Nodak Mutual

$286

$24

Nodak Mutual

$286

$24

American Family

$289

$24

State Farm

$292

$24

Grinnell Mutual

$293

$24

Grinnell Mutual

$293

$24

Grinnell Mutual

$293

$24

American Family

$299

$25

State Farm

$310

$26

GEICO

$312

$26

Nodak Mutual

$314

$26

Nationwide

$317

$26

American Family

$326

$27

American Family

$326

$27

Nationwide

$333

$28

American Family

$338

$28

American Family

$338

$28

Nodak Mutual

$340

$28

State Farm

$342

$29

State Farm

$342

$29

Grinnell Mutual

$345

$29

Grinnell Mutual

$345

$29

Grinnell Mutual

$345

$29

GEICO

$349

$29

American Family

$353

$29

Auto-Owners Insurance Co

$361

$30

Auto-Owners Insurance Co

$375

$31

State Farm

$376

$31

Nationwide

$376

$31

Nodak Mutual

$377

$31

Nationwide

$391

$33

Nationwide

$396

$33

American Family

$399

$33

American Family

$399

$33

Progressive

$401

$33

GEICO

$411

$34

Progressive

$417

$35

Grinnell Mutual

$428

$36

Grinnell Mutual

$428

$36

Grinnell Mutual

$428

$36

Auto-Owners Insurance Co

$431

$36

Auto-Owners Insurance Co

$436

$36

Progressive

$437

$36

Auto-Owners Insurance Co

$447

$37

Nationwide

$455

$38

Progressive

$456

$38

Progressive

$462

$38

Farmers

$484

$40

Progressive

$490

$41

Nodak Mutual

$513

$43

Auto-Owners Insurance Co

$520

$43

American Family

$521

$43

Farmers

$541

$45

Farmers

$541

$45

Progressive

$552

$46

State Farm

$553

$46

State Farm

$553

$46

Farmers

$563

$47

GEICO

$574

$48

Farmers

$576

$48

American Family

$581

$48

Nationwide

$585

$49

Farmers

$599

$50

State Farm

$600

$50

Nationwide

$601

$50

Progressive

$602

$50

State Farm

$604

$50

State Farm

$604

$50

GEICO

$608

$51

American Family

$610

$51

American Family

$610

$51

Progressive

$610

$51

Nationwide

$618

$52

Nodak Mutual

$618

$52

Farmers

$622

$52

Nationwide

$638

$53

GEICO

$639

$53

Farmers

$644

$54

Nodak Mutual

$646

$54

State Farm

$654

$54

Allstate

$655

$55

Farmers

$661

$55

Allstate

$662

$55

American Family

$667

$56

Nodak Mutual

$675

$56

American Family

$681

$57

American Family

$681

$57

Nationwide

$685

$57

Auto-Owners Insurance Co

$689

$57

GEICO

$695

$58

GEICO

$695

$58

Nationwide

$697

$58

Nodak Mutual

$707

$59

Grinnell Mutual

$710

$59

Grinnell Mutual

$710

$59

Grinnell Mutual

$710

$59

Auto-Owners Insurance Co

$713

$59

Allstate

$717

$60

Nodak Mutual

$720

$60

Nationwide

$739

$62

Allstate

$747

$62

Nationwide

$750

$63

Allstate

$758

$63

State Farm

$764

$64

State Farm

$764

$64

American Family

$783

$65

American Family

$783

$65

Nodak Mutual

$791

$66

Allstate

$823

$69

State Farm

$829

$69

Auto-Owners Insurance Co

$831

$69

Auto-Owners Insurance Co

$838

$70

GEICO

$844

$70

Nodak Mutual

$847

$71

Nationwide

$850

$71

Grinnell Mutual

$864

$72

Grinnell Mutual

$864

$72

Grinnell Mutual

$864

$72

Auto-Owners Insurance Co

$878

$73

Progressive

$905

$75

Allstate

$915

$76

Allstate

$922

$77

GEICO

$942

$79

Progressive

$944

$79

Nodak Mutual

$947

$79

Auto-Owners Insurance Co

$959

$80

GEICO

$969

$81

Farmers

$977

$81

GEICO

$982

$82

Auto-Owners Insurance Co

$1,008

$84

Progressive

$1,009

$84

Farmers

$1,009

$84

Allstate

$1,016

$85

Farmers

$1,055

$88

Progressive

$1,060

$88

Nationwide

$1,067

$89

Farmers

$1,083

$90

Farmers

$1,097

$91

Allstate

$1,097

$91

Progressive

$1,105

$92

Farmers

$1,106

$92

Farmers

$1,128

$94

Grinnell Mutual

$1,134

$94

Grinnell Mutual

$1,134

$94

Grinnell Mutual

$1,134

$94

Nationwide

$1,134

$95

Auto-Owners Insurance Co

$1,135

$95

Allstate

$1,158

$97

Allstate

$1,158

$97

GEICO

$1,167

$97

Farmers

$1,177

$98

Farmers

$1,207

$101

Progressive

$1,207

$101

Allstate

$1,257

$105

Progressive

$1,266

$105

GEICO

$1,269

$106

Nationwide

$1,271

$106

Auto-Owners Insurance Co

$1,310

$109

Allstate

$1,323

$110

Allstate

$1,335

$111

GEICO

$1,356

$113

Progressive

$1,375

$115

Auto-Owners Insurance Co

$1,444

$120

Progressive

$1,487

$124

Auto-Owners Insurance Co

$1,499

$125

Allstate

$1,680

$140

Allstate

$1,792

$149

Allstate

$1,799

$150

GEICO

$1,843

$154

GEICO

$1,940

$162

GEICO

$1,947

$162

Auto-Owners Insurance Co

$1,974

$164

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.

Company
Family Plan Annual Premium
Individual Plan Monthly Premium

GEICO

$482

$1,359

GEICO

$582

$1,642

GEICO

$596

$1,983

GEICO

$617

$1,742

Nationwide

$662

$1,062

Nationwide

$666

$1,120

Nationwide

$697

$1,406

Nationwide

$732

$1,582

Nationwide

$748

$1,201

GEICO

$753

$1,598

Nationwide

$755

$1,323

State Farm

$769

$1,160

Nationwide

$779

$1,311

Nationwide

$785

$1,259

Nationwide

$786

$1,476

Nationwide

$823

$1,385

GEICO

$833

$2,047

GEICO

$834

$1,770

State Farm

$854

$1,288

Farmers

$861

$1,476

GEICO

$876

$2,178

State Farm

$887

$1,314

GEICO

$891

$1,890

State Farm

$903

$1,583

Farmers

$908

$1,607

Nationwide

$919

$2,191

State Farm

$939

$1,415

Nationwide

$945

$2,548

State Farm

$970

$1,726

Nationwide

$974

$1,966

Allstate

$982

$5,005

Nationwide

$992

$2,757

Nationwide

$1,009

$2,723

Nationwide

$1,015

$2,695

GEICO

$1,019

$2,363

State Farm

$1,023

$1,515

Nationwide

$1,053

$3,129

GEICO

$1,055

$4,295

Nationwide

$1,067

$2,306

Progressive

$1,071

$1,618

Allstate

$1,075

$1,656

State Farm

$1,081

$1,904

Allstate

$1,091

$1,680

GEICO

$1,100

$3,269

Nationwide

$1,105

$3,382

Progressive

$1,108

$1,636

State Farm

$1,119

$2,257

State Farm

$1,120

$1,993

Nationwide

$1,125

$3,343

State Farm

$1,129

$1,672

GEICO

$1,137

$2,793

Auto-Owners Insurance Co

$1,142

$2,594

Auto-Owners Insurance Co

$1,143

$2,589

GEICO

$1,144

$4,656

Allstate

$1,152

$1,775

Allstate

$1,152

$2,179

Allstate

$1,172

$6,302

Progressive

$1,181

$1,784

Farmers

$1,186

$1,300

Auto-Owners Insurance Co

$1,191

$2,704

GEICO

$1,192

$2,764

Progressive

$1,196

$2,263

Allstate

$1,204

$2,068

Farmers

$1,206

$1,323

State Farm

$1,209

$2,123

Farmers

$1,209

$1,326

GEICO

$1,212

$5,847

Progressive

$1,213

$2,049

Farmers

$1,221

$1,407

Auto-Owners Insurance Co

$1,229

$3,020

Farmers

$1,230

$1,371

Auto-Owners Insurance Co

$1,238

$2,803

Allstate

$1,240

$2,558

Allstate

$1,244

$1,915

Progressive

$1,244

$1,879

Allstate

$1,246

$1,920

Farmers

$1,250

$1,394

Auto-Owners Insurance Co

$1,253

$2,846

Progressive

$1,254

$1,851

Farmers

$1,263

$1,408

Farmers

$1,278

$1,528

GEICO

$1,284

$3,804

State Farm

$1,294

$2,600

Farmers

$1,294

$5,116

GEICO

$1,295

$5,242

Auto-Owners Insurance Co

$1,300

$3,344

Allstate

$1,303

$2,310

Allstate

$1,306

$2,471

GEICO

$1,311

$5,307

Progressive

$1,316

$2,265

Allstate

$1,341

$6,830

Auto-Owners Insurance Co

$1,341

$3,036

Allstate

$1,343

$2,971

Farmers

$1,345

$2,883

Farmers

$1,348

$5,353

Auto-Owners Insurance Co

$1,350

$3,695

Progressive

$1,361

$2,655

Auto-Owners Insurance Co

$1,366

$3,202

Progressive

$1,367

$2,018

Allstate

$1,377

$2,121

Farmers

$1,383

$3,020

State Farm

$1,421

$2,865

State Farm

$1,422

$2,497

Allstate

$1,457

$7,837

Allstate

$1,465

$3,457

Auto-Owners Insurance Co

$1,478

$3,465

Progressive

$1,478

$3,256

Allstate

$1,478

$3,049

State Farm

$1,481

$2,975

GEICO

$1,487

$7,506

State Farm

$1,489

$3,400

Farmers

$1,493

$2,559

Auto-Owners Insurance Co

$1,496

$3,856

Progressive

$1,519

$2,875

Farmers

$1,534

$2,714

Progressive

$1,536

$7,385

Auto-Owners Insurance Co

$1,554

$4,253

Auto-Owners Insurance Co

$1,555

$4,821

Farmers

$1,598

$6,320

Allstate

$1,648

$13,354

Progressive

$1,652

$3,720

State Farm

$1,656

$3,281

Farmers

$1,666

$6,616

Farmers

$1,676

$8,444

Progressive

$1,688

$3,292

Progressive

$1,689

$8,219

Progressive

$1,696

$8,694

Farmers

$1,741

$8,771

Allstate

$1,742

$13,966

Progressive

$1,745

$8,390

Progressive

$1,840

$9,448

Auto-Owners Insurance Co

$1,855

$4,282

Progressive

$1,889

$9,190

Auto-Owners Insurance Co

$1,892

$5,526

State Farm

$1,899

$3,763

State Farm

$1,908

$4,298

Auto-Owners Insurance Co

$2,001

$4,904

Auto-Owners Insurance Co

$2,023

$4,668

Auto-Owners Insurance Co

$2,130

$6,887

Auto-Owners Insurance Co

$2,140

$6,252

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.

Company
Annual Premium
Monthly Premium

USAA

$155

$13

USAA

$158

$13

Nodak Mutual

$182

$15

Nodak Mutual

$217

$18

USAA

$221

$18

Nodak Mutual

$242

$20

GEICO

$254

$21

State Farm

$266

$22

State Farm

$282

$24

American Family

$289

$24

Grinnell Mutual

$293

$24

GEICO

$298

$25

American Family

$299

$25

Auto-Owners Insurance Co

$317

$26

Nationwide

$317

$26

Auto-Owners Insurance Co

$329

$27

Nationwide

$333

$28

State Farm

$342

$29

Grinnell Mutual

$345

$29

GEICO

$350

$29

Progressive

$351

$29

American Family

$353

$29

Progressive

$372

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$396

$33

USAA

$397

$33

Farmers

$406

$34

USAA

$413

$34

Progressive

$426

$35

Grinnell Mutual

$428

$36

Nodak Mutual

$431

$36

Farmers

$446

$37

Farmers

$462

$39

GEICO

$494

$41

American Family

$521

$43

Nodak Mutual

$543

$45

State Farm

$553

$46

American Family

$581

$48

Nationwide

$585

$49

GEICO

$596

$50

Allstate

$599

$50

USAA

$602

$50

State Farm

$604

$50

Nodak Mutual

$605

$50

Allstate

$607

$51

Nationwide

$638

$53

Allstate

$652

$54

American Family

$667

$56

Grinnell Mutual

$710

$59

GEICO

$721

$60

Auto-Owners Insurance Co

$747

$62

Nationwide

$750

$63

Farmers

$754

$63

State Farm

$764

$64

Farmers

$775

$65

Progressive

$788

$66

Auto-Owners Insurance Co

$793

$66

Progressive

$828

$69

Grinnell Mutual

$864

$72

Farmers

$895

$75

Allstate

$981

$82

Auto-Owners Insurance Co

$1,021

$85

Progressive

$1,026

$86

Allstate

$1,028

$86

Allstate

$1,031

$86

Grinnell Mutual

$1,134

$94

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

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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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$182

$15

Nodak Mutual

$217

$18

Nodak Mutual

$242

$20

GEICO

$254

$21

State Farm

$266

$22

State Farm

$282

$24

American Family

$289

$24

Grinnell Mutual

$293

$24

GEICO

$298

$25

American Family

$299

$25

Auto-Owners Insurance Co

$317

$26

Nationwide

$317

$26

Auto-Owners Insurance Co

$329

$27

Nationwide

$333

$28

State Farm

$342

$29

Grinnell Mutual

$345

$29

GEICO

$350

$29

Progressive

$351

$29

American Family

$353

$29

Progressive

$372

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$396

$33

Farmers

$406

$34

Progressive

$426

$35

Grinnell Mutual

$428

$36

Nodak Mutual

$431

$36

Farmers

$446

$37

Farmers

$462

$39

GEICO

$494

$41

American Family

$521

$43

Nodak Mutual

$543

$45

State Farm

$553

$46

American Family

$581

$48

Nationwide

$585

$49

GEICO

$596

$50

Allstate

$599

$50

State Farm

$604

$50

Nodak Mutual

$605

$50

Allstate

$607

$51

Nationwide

$638

$53

Allstate

$652

$54

American Family

$667

$56

Grinnell Mutual

$710

$59

GEICO

$721

$60

Auto-Owners Insurance Co

$747

$62

Nationwide

$750

$63

Farmers

$754

$63

State Farm

$764

$64

Farmers

$775

$65

Progressive

$788

$66

Auto-Owners Insurance Co

$793

$66

Progressive

$828

$69

Grinnell Mutual

$864

$72

Farmers

$895

$75

Allstate

$981

$82

Auto-Owners Insurance Co

$1,021

$85

Progressive

$1,026

$86

Allstate

$1,028

$86

Allstate

$1,031

$86

Grinnell Mutual

$1,134

$94

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.

Company
Annual Premium
Monthly Premium

Nodak Mutual

$182

$15

Nodak Mutual

$217

$18

Nodak Mutual

$242

$20

GEICO

$254

$21

State Farm

$266

$22

State Farm

$282

$24

American Family

$289

$24

Grinnell Mutual

$293

$24

GEICO

$298

$25

American Family

$299

$25

Auto-Owners Insurance Co

$317

$26

Nationwide

$317

$26

Auto-Owners Insurance Co

$329

$27

Nationwide

$333

$28

State Farm

$342

$29

Grinnell Mutual

$345

$29

GEICO

$350

$29

Progressive

$351

$29

American Family

$353

$29

Progressive

$372

$31

Auto-Owners Insurance Co

$381

$32

Nationwide

$396

$33

Farmers

$406

$34

Progressive

$426

$35

Grinnell Mutual

$428

$36

Nodak Mutual

$431

$36

Farmers

$446

$37

Farmers

$462

$39

GEICO

$494

$41

American Family

$521

$43

Nodak Mutual

$543

$45

State Farm

$553

$46

American Family

$581

$48

Nationwide

$585

$49

GEICO

$596

$50

Allstate

$599

$50

State Farm

$604

$50

Nodak Mutual

$605

$50

Allstate

$607

$51

Nationwide

$638

$53

Allstate

$652

$54

American Family

$667

$56

Grinnell Mutual

$710

$59

GEICO

$721

$60

Auto-Owners Insurance Co

$747

$62

Nationwide

$750

$63

Farmers

$754

$63

State Farm

$764

$64

Farmers

$775

$65

Progressive

$788

$66

Auto-Owners Insurance Co

$793

$66

Progressive

$828

$69

Grinnell Mutual

$864

$72

Farmers

$895

$75

Allstate

$981

$82

Auto-Owners Insurance Co

$1,021

$85

Progressive

$1,026

$86

Allstate

$1,028

$86

Allstate

$1,031

$86

Grinnell Mutual

$1,134

$94

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.

Company
Annual Premium
Monthly Premium

GEICO

$312

$26

Nodak Mutual

$414

$35

Nationwide

$455

$38

American Family

$470

$39

GEICO

$474

$40

Nationwide

$477

$40

American Family

$492

$41

Nodak Mutual

$498

$42

Grinnell Mutual

$512

$43

GEICO

$529

$44

Nodak Mutual

$552

$46

Nationwide

$566

$47

State Farm

$577

$48

American Family

$592

$49

Farmers

$593

$49

Progressive

$604

$50

Grinnell Mutual

$606

$50

GEICO

$608

$51

State Farm

$612

$51

Progressive

$652

$54

Farmers

$667

$56

Farmers

$669

$56

Progressive

$726

$60

State Farm

$743

$62

Grinnell Mutual

$749

$62

American Family

$809

$67

Nationwide

$809

$67

Allstate

$812

$68

Auto-Owners Insurance Co

$823

$69

Allstate

$826

$69

Auto-Owners Insurance Co

$856

$71

Nationwide

$888

$74

Allstate

$900

$75

American Family

$903

$75

GEICO

$945

$79

Auto-Owners Insurance Co

$991

$83

Nodak Mutual

$993

$83

Nationwide

$1,047

$87

American Family

$1,050

$88

GEICO

$1,090

$91

Farmers

$1,154

$96

Farmers

$1,168

$97

State Farm

$1,200

$100

Nodak Mutual

$1,244

$104

Grinnell Mutual

$1,247

$104

State Farm

$1,311

$109

Farmers

$1,345

$112

Progressive

$1,381

$115

Nodak Mutual

$1,387

$116

Allstate

$1,444

$120

Progressive

$1,460

$122

Grinnell Mutual

$1,516

$126

Allstate

$1,523

$127

Allstate

$1,527

$127

State Farm

$1,659

$138

Progressive

$1,788

$149

Grinnell Mutual

$1,990

$166

Auto-Owners Insurance Co

$2,079

$173

Auto-Owners Insurance Co

$2,214

$185

Auto-Owners Insurance Co

$2,869

$239

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.

Company
Annual Premium
Monthly Premium

GEICO

$198

$17

GEICO

$232

$19

GEICO

$273

$23

State Farm

$275

$23

Nationwide

$281

$23

American Family

$285

$24

State Farm

$291

$24

Nationwide

$292

$24

American Family

$297

$25

Auto-Owners Insurance Co

$299

$25

Progressive

$305

$25

Auto-Owners Insurance Co

$307

$26

Farmers

$311

$26

Farmers

$335

$28

Progressive

$337

$28

American Family

$350

$29

State Farm

$354

$29

Nationwide

$354

$30

Farmers

$356

$30

Auto-Owners Insurance Co

$364

$30

Progressive

$392

$33

American Family

$490

$41

Allstate

$523

$44

Allstate

$528

$44

American Family

$547

$46

Allstate

$563

$47

GEICO

$597

$50

Nationwide

$613

$51

American Family

$626

$52

State Farm

$656

$55

Farmers

$670

$56

Nationwide

$675

$56

Farmers

$715

$60

State Farm

$718

$60

Auto-Owners Insurance Co

$722

$60

GEICO

$730

$61

Auto-Owners Insurance Co

$768

$64

Nationwide

$803

$67

Farmers

$832

$69

GEICO

$902

$75

Progressive

$909

$76

State Farm

$923

$77

Allstate

$977

$81

Auto-Owners Insurance Co

$1,000

$83

Allstate

$1,006

$84

Progressive

$1,035

$86

Allstate

$1,047

$87

Progressive

$1,360

$113

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.

City
Full Coverage Average Annual Premium
Minimum Coverage Average Annual Premium

Fargo

$720

$347

About Mark Fitzpatrick


Mark Fitzpatrick headshot

Mark Fitzpatrick is a senior content director at MoneyGeek with over five years of experience analyzing the insurance market, conducting original research and creating content that can be personalized for every buyer. He has been quoted on insurance topics in several publications, including CNBC, NBC News and Mashable.

Mark earned a master’s degree in Economics and International Relations from Johns Hopkins University and a bachelor’s degree from Boston College. He is passionate about using his economics and insurance knowledge to bring transparency around financial topics and help others feel confident in their money moves.