call

Fargo Car Insurance

How much does car insurance cost in Fargo, ND? Check out the average rates that drivers pay below.

Compare Car Insurance Rates Instantly

What Is the Average Cost of Car Insurance in Fargo?

Monthly Average Rates by Country, State, and City

Car insurance rates vary from driver to driver and are based on many factors that include driving history, claims history and where you live. Each city in North Dakota has different rates, and below, you can compare average rates with the national average. According to our data, drivers who live in Fargo typically pay around $82.02 per month compared to the national average of $134.04 per month. The best way to get a low rate is by comparison shopping. SmartFinancial can do that for you at no cost while pairing you with a reputable insurance company so you have no surprises if you have an accident.

AreaAverage Monthly Rate
National $134.04
North Dakota $80.78
Fargo, North Dakota $82.02

Fargo, ND Best Car Insurance Companies

car insurance in Fargo

Certain insurers will offer you better rates than others based on a myriad of factors, so you may get a better deal from one insurer over another for various reasons, and that’s why it’s important to compare. According to our data, USAA generally has the most affordable car insurance in Fargo coming in around $66.93 per month. Other companies to consider if you live in Fargo is State Farm with an average cost of $87.50 per month and Auto-Owners Insurance Co which typically runs around $97.96 per month. Check out the full list below. SmartFinancial rates the following insurers as the best insurance companies for drivers in Fargo.

RankCompanyAverage Monthly RateComparison State Average
1 USAA $66.93-17.14%
2 State Farm $87.508.31%
3 Auto-Owners Insurance Co $97.9621.27%
4 Farmers $99.7823.52%
5 Allied $102.4926.88%
6 American Family $111.5638.10%
7 Nodak Mutual $111.8438.45%
8 North Star $121.0749.88%
9 National Farmers Union P $128.7559.38%
10 State Auto $135.9868.33%

How Much is Car Insurance in Fargo, ND?

how much is auto insurance in Fargo

Rates can vary from city to city. The residents of Bismarck typically pay $82.15 per month while people who live in Fargo will pay $82.02 per month on average. See what people pay for car insurance in other cities in North Dakota.

North Dakota CitiesMonthly Average Rate
Bismarck $82.15
Fargo $82.02
Grand Forks $79.50
Minot $83.33
Wahpeton$64.15

Cheap Car Insurance in Fargo by Zip Codes

find cheap auto insurance in Fargo

Every zip code rates differently with every insurer. Your zip code determines the crime rate in your area as well as other risks. Below, you can see how average rates range across the state of North Dakota. If you live in an area that is rated high in crime, you can make sure to garage your car in a safe place. That ought to save you some money. Covered and gated structures are best. Make sure to tell your insurance agent about the precautions you’re taking.

Fargo, ND ZIP CodeAverage Monthly Rate
58102$78.34
58103$78.67
58104$96.44
58105$54.62
58108$44.30

Car Insurance Rates by Driver's Age Group in Fargo

Generally speaking, you pay more in car insurance the younger you are and the older you are. Teens and young adults often pay around $186.23 per month in Fargo. Compare that to drivers in their 30’s who typically pay around $64.75 per month drivers in their 40s at $68.23 per month. It’s always a good idea to check for discounts that apply at any age. Some discounts include away-at-school discount, safe driver discount, mature driver discount, good student discount as well as multi-policy and bundling discounts.

Age GroupAverage Monthly Rate
16-19$186.23
20s$81.21
30s$64.75
40s$68.23
50s$55.91
60s$61.52
70+$78.87

Cheapest Insurance for Teenage Drivers in Fargo

If you are teen in Fargo you are probably looking for a good deal on car insurance. Since teenage drivers typically pay the highest rates of any other age group, it’s important to compare multiple companies. According to our research, USAA typically charges around $167.73 per month. This is likely the most affordable option in Fargo. You might also want to consider State Farm and Auto-Owners Insurance Co who also offer good affordable policies for teen drivers.

CompanyAverage Monthly Rate
USAA$167.73
State Farm$169.13
Auto-Owners Insurance Co$172.67
Nodak Mutual$184.73
Allied$205.33

Cheapest Insurance for 20 Year-olds in Fargo

20 year-olds in Fargo might want to consider USAA who, on average, offers car insurance rates around $76.39 per month. State Farm , Farmers , Auto-Owners Insurance Co and Allied are also in the top 5 cheapest rates available.

CompanyAverage Monthly Rate
USAA$76.39
State Farm$101.66
Farmers$108.59
Auto-Owners Insurance Co$117.91
Allied$121.12

Cheapest Insurance for 30 Year-olds in Fargo

If you are in your 30s in Fargo our research has found that USAA typically has the most affordable coverage coming in around $49.84 per month, followed by State Farm at $70.12 and Auto-Owners Insurance Co at $72.77.

CompanyAverage Monthly Rate
USAA$49.84
State Farm$70.12
Auto-Owners Insurance Co$72.77
Allied$76.01
Farmers$83.65

Cheapest Insurance for 40 Year-olds in Fargo

On average, USAA offers car insurance for 40 year-olds in Fargo for around $46.32 per month. If you are looking for affordable coverage, you may also want to consider State Farm or Auto-Owners Insurance Co. The full list of top companies is below.

CompanyAverage Monthly Rate
USAA$46.32
State Farm$65.09
Auto-Owners Insurance Co$69.52
Allied$74.84
Farmers$80.93

Cheapest Insurance for 50 Year-olds in Fargo

Oftentimes 50 year-olds enjoy some of the lowest rates of any other age group. In Fargo we found that USAA generally offers the most affordable coverage at $46.92 per month.

CompanyAverage Monthly Rate
USAA$46.92
State Farm$71.80
Allied$75.63
Farmers$86.50
Auto-Owners Insurance Co$88.50

Cheapest Insurance for 60 Year-olds in Fargo

If you live in Fargo and you’re in your 60s, our data indicates that USAA usually has the best rates at $40.69 per month. The top 5 list of car insurance companies is below.

CompanyAverage Monthly Rate
USAA$40.69
State Farm$58.46
Auto-Owners Insurance Co$65.47
Allied$67.17
Farmers$68.30

Driver's Coverage Auto Insurance Rates in Fargo, ND

driver's coverage

Typically, drivers who currently have car insurance coverage will receive a cheaper monthly quote than drivers who do not. Since car insurance is a requirement in all 50 states, companies may question why you don't currently have coverage. Because of this, they may see you as a higher risk driver. In Fargo, the average monthly rate for a driver who is currently insured is $80.01 while drivers who are not currently covered will pay around $85.87.

CoverageAverage Monthly Rate
Not Currently Insured $85.87
Currently Insured $80.01

Compare Recent Car Insurance Quotes in Fargo

auto insurance quotes in Fargo city

Your vehicle plays a big part in how you rate for car insurance. The more your car is worth, the higher your car insurance rate. To lower your monthly premiums, you can set a higher deductible, but you’ll need to pay that deductible if you have an accident. Generally speaking, the newer a car is, the more it’s worth, and you may pay more in premiums, but the latest safety features will earn you a discount. The overall safety ratings of a car are also considered when determining your rate. In Fargo a driver of a 2021 Chevrolet Equinox can expect to pay around $82.93 per month while someone that owns a 2008 Dodge Durango may pay around $55.40 per month. Check out the list of recent quotes in Fargo below.

VehicleAverage Monthly Rate
2021 Chevrolet Equinox$82.93
2008 Dodge Durango$55.40
2004 Chevrolet Blazer$46.68
2016 Chrysler 200$86.89
2008 Buick Enclave$70.18
2013 Chevrolet Equinox$66.20
2012 Ford Explorer$60.13
2017 Honda Civic$230.02
2013 Hyundai Sonata$71.32
2013 Toyota Corolla$90.23

FAQ's for Drivers in Fargo, ND

driver’s frequently asked question in Fargo

What Is the Minimum Liability Coverage Requirement in Fargo, ND?

Every state requires drivers to have a minimum amount of liability coverage. North Dakota drivers are required to carry liability insurance to pay for damages and injuries inflicted on someone else in an auto accident.

  • $25,000; Bodily injury coverage per person; Maximum payment for serious or permanent injury or death to a single person
  • $50,000; Bodily injury coverage per accident; Coverage for multiple people injured in a single accident
  • $25,000; Property damage per accident; Maximum payment for all damaged property in an accident caused by you

Everyone with a registered vehicle in North Dakota is required by law to purchase an insurance policy providing at least $25,000 bodily injury liability coverage per person, $50,000 bodily injury liability coverage per accident, and $25,000 property damage liability coverage per accident.

What Is the Blood Alcohol Concentration (BAC) limit in Fargo, ND?

It’s illegal to operate a motor vehicle in North Dakota at the following BAC percentages:

.08%+ at 21 years old or older

.04%+ for commercial vehicle drivers

.02%+ at under 21 years old

While these percentages represent the legal limits for determining intoxication, you don’t have to hit these levels to be arrested and convicted for DUI in North Dakota. All it takes is for a law enforcement officer to judge you to be impaired by drugs or alcohol to the point that it diminishes your ability to safely operate your motor vehicle.

What are the consequences of being convicted of a DUI?

The first DUI offense is considered a class B misdemeanor. It’s punishable with such penalties as 2 days of imprisonment, up to $750 in fines, up to 180 days suspension of driving privileges, and addiction evaluation. Some of the upper limits of these potential penalties are reserved for when the BAD is elevated to 0.16 or 0.18%.

Penalties are stiffer for a second offense within a 7-year period, though it’s also a class B misdemeanor. The third offense within a 7-year period becomes a class A misdemeanor, and the consequences become harsher still. Fourth and subsequent offenses within a 15-year period are class C felonies.

map

Commute Time in Fargo, ND

15 Miles
map

Commute Time in United States

26.4 Miles
people

Number of Nearest Insurance Agents in Fargo, ND

50

Methodology
The statistics listed on this page are from our own in house reporting. We track and record quotes that carriers have provided based on various criteria. The rates and averages shown on this page should only be used as an estimate.

Compare Insurance Rates Instantly.

Enter your zip code, answer a few questions, and compare rates in less than 3 minutes.