Best Cheap Auto Insurance in Fargo, ND (2022)
The average Fargo, ND auto insurance rates are $312 per month. The minimum auto insurance in Fargo is at least 25/50/25 in coverage to comply with North Dakota auto insurance laws. To find the best cheap auto insurance in Fargo, North Dakota, compare quotes from multiple companies.
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UPDATED: Jun 29, 2022
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Table of Contents
- The most expensive auto insurance company in Fargo for teen drivers is Liberty Mutual
- Average auto insurance rates in Fargo, ND for senior drivers are $1,959 per year
- The average commute length in Fargo is 17.1 minutes
Fargo, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in Fargo can seem like a difficult task, but all of the information you need is right here. We’ll cover factors that affect auto insurance rates in Fargo, North Dakota, including driving record, credit, commute time, and more.
Compare auto insurance in Fargo to other North Dakota cities, including Bismarck auto insurance rates, Grand Forks auto insurance rates, and Fargo auto insurance rates to see how Fargo, North Dakota auto insurance rates stack up.
More: Best Cheap Auto Insurance in Bismarck, ND (2022)
Before you buy Fargo, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fargo, North Dakota auto insurance quotes.
Table of Contents
Minimum Auto Insurance in Fargo, North Dakota
Fargo, North Dakota auto insurance laws require that you have at least the North Dakota minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fargo, North Dakota.
| Liability Insurance Required | Minimum Coverage Limits Required |
|---|---|
| Bodily Injury Liability Coverage | $25,000 per person $50,000 per accident |
| Property Damage Liability Coverage | $25,000 minimum |
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Cheap Fargo, North Dakota Auto Insurance by Age, Gender, and Marital Status
Auto insurance rates in Fargo, North Dakota are affected by age, gender, and marital status. See how demographics impact the annual cost of insurance.
| Insurance Company | Married 35-Year-Old Female | Married 35-Year-Old Male | Married 60-Year-Old Female | Married 60-Year-Old Male | Single 17-Year-Old Female | Single 17-Year-Old Male | Single 25-Year-Old Female | Single 25-Year-Old Male |
|---|---|---|---|---|---|---|---|---|
| Allstate | $2,623 | $2,623 | $2,330 | $2,468 | $10,291 | $12,143 | $2,874 | $3,098 |
| American Family | $2,048 | $2,048 | $1,860 | $1,860 | $4,440 | $6,409 | $2,048 | $2,385 |
| Farmers | $1,622 | $1,584 | $1,443 | $1,511 | $6,190 | $6,337 | $1,847 | $1,937 |
| GEICO | $1,700 | $1,683 | $1,455 | $1,472 | $3,454 | $4,314 | $1,536 | $1,662 |
| Liberty Mutual | $6,090 | $6,550 | $4,903 | $5,949 | $26,035 | $28,999 | $6,298 | $6,848 |
| Nationwide | $1,581 | $1,601 | $1,428 | $1,508 | $3,801 | $4,623 | $1,832 | $1,928 |
| Progressive | $1,660 | $1,554 | $1,350 | $1,407 | $6,748 | $7,495 | $2,031 | $2,062 |
| State Farm | $1,364 | $1,364 | $1,231 | $1,231 | $4,152 | $5,226 | $1,538 | $1,751 |
| USAA | $1,133 | $1,119 | $935 | $923 | $4,053 | $4,854 | $1,629 | $1,745 |
Cheap Fargo, North Dakota Auto Insurance for Teen Drivers
More: North Dakota Auto Insurance [Rates + Cheap Coverage Guide]
Finding cheap teen auto insurance in Fargo, North Dakota is a challenge. Take a look at the annual teen auto insurance rates in Fargo, North Dakota.
| Insurance Company | Single 17-Year-Old Female | Single 17-Year-Old Male |
|---|---|---|
| Allstate | $10,291 | $12,143 |
| American Family | $4,440 | $6,409 |
| Farmers | $6,190 | $6,337 |
| GEICO | $3,454 | $4,314 |
| Liberty Mutual | $26,035 | $28,999 |
| Nationwide | $3,801 | $4,623 |
| Progressive | $6,748 | $7,495 |
| State Farm | $4,152 | $5,226 |
| USAA | $4,053 | $4,854 |
Cheap Fargo, North Dakota Auto Insurance for Seniors
What are senior auto insurance rates in Fargo, North Dakota? Take a look at the annual average rates for older drivers.
| Insurance Company | Married 60-Year-Old Female | Married 60-Year-Old Male |
|---|---|---|
| Allstate | $2,330 | $2,468 |
| American Family | $1,860 | $1,860 |
| Farmers | $1,443 | $1,511 |
| GEICO | $1,455 | $1,472 |
| Liberty Mutual | $4,903 | $5,949 |
| Nationwide | $1,428 | $1,508 |
| Progressive | $1,350 | $1,407 |
| State Farm | $1,231 | $1,231 |
| USAA | $935 | $923 |
Cheap Fargo, North Dakota Auto Insurance By Driving Record
Driving record has a big impact on your auto insurance rates. See the annual auto insurance rates for a bad record in Fargo, North Dakota compared to the annual auto insurance rates with a clean record in Fargo, North Dakota.
| Group | Clean Record | With 1 Accident | With 1 DUI | With 1 Speeding Violation |
|---|---|---|---|---|
| Allstate | $3,879 | $4,284 | $6,540 | $4,523 |
| American Family | $2,105 | $3,041 | $3,995 | $2,408 |
| Farmers | $2,359 | $3,030 | $2,992 | $2,854 |
| GEICO | $1,265 | $2,095 | $3,254 | $2,025 |
| Liberty Mutual | $10,144 | $11,514 | $12,433 | $11,745 |
| Nationwide | $1,721 | $2,330 | $3,161 | $1,939 |
| Progressive | $2,791 | $3,493 | $2,832 | $3,038 |
| State Farm | $2,035 | $2,430 | $2,232 | $2,232 |
| USAA | $1,450 | $2,070 | $2,883 | $1,792 |
Cheap Fargo, North Dakota Auto Insurance Rates After a DUI
Finding cheap auto insurance after a DUI in Fargo, North Dakota is not easy. Compare the annual rates for DUI auto insurance in Fargo, North Dakota to find the best deal.
| Insurance Company | Annual Auto Insurance Rates With a DUI |
|---|---|
| Allstate | $6,540 |
| American Family | $3,995 |
| Farmers | $2,992 |
| GEICO | $3,254 |
| Liberty Mutual | $12,433 |
| Nationwide | $3,161 |
| Progressive | $2,832 |
| State Farm | $2,232 |
| USAA | $2,883 |
Cheap Fargo, North Dakota Auto Insurance By Credit History
Credit history can have a major effect on the cost of auto insurance. See how Fargo, North Dakota annual auto insurance rates by credit history compare.
| Insurance Company | Poor | Fair | Good |
|---|---|---|---|
| Allstate | $6,072 | $4,609 | $3,738 |
| American Family | $3,796 | $2,638 | $2,228 |
| Farmers | $3,235 | $2,664 | $2,528 |
| GEICO | $2,582 | $2,081 | $1,816 |
| Liberty Mutual | $16,568 | $10,003 | $7,806 |
| Nationwide | $2,766 | $2,186 | $1,912 |
| Progressive | $3,471 | $2,943 | $2,702 |
| State Farm | $3,122 | $1,985 | $1,589 |
| USAA | $2,825 | $1,793 | $1,529 |
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Cheap Fargo, North Dakota Auto Insurance Rates By ZIP Code
Auto insurance rates by ZIP code in Fargo, North Dakota can vary. Compare the annual cost of auto insurance by ZIP code in Fargo, North Dakota to see how car insurance rates are affected by location.
| ZIP Code | Average Annual Rates |
|---|---|
| 58102 | $4,024 |
| 58103 | $3,942 |
| 58104 | $3,903 |
| 58105 | $4,035 |
Cheap Fargo, North Dakota Auto Insurance Rates By Commute
Commute length and annual mileage affect Fargo, North Dakota auto insurance. Find the cheapest annual Fargo, North Dakota auto insurance by commute length.
| Insurance Company | 10 Mile Commute, 6000 Annual Mileage | 25 Mile Commute, 12000 Annual Mileage |
|---|---|---|
| Allstate | $4,689 | $4,924 |
| American Family | $2,852 | $2,922 |
| Farmers | $2,809 | $2,809 |
| GEICO | $2,134 | $2,186 |
| Liberty Mutual | $11,459 | $11,459 |
| Nationwide | $2,288 | $2,288 |
| Progressive | $3,039 | $3,039 |
| State Farm | $2,173 | $2,291 |
| USAA | $2,028 | $2,069 |
Cheap Fargo, North Dakota Auto Insurance Rates By Coverage Level
How much does the coverage level you select affect the cost of your auto insurance in Fargo, North Dakota? Check out the comparison of annual Fargo, North Dakota auto insurance rates by coverage level.
| Insurance Company | Low | Medium | High |
|---|---|---|---|
| Allstate | $4,675 | $4,804 | $4,940 |
| American Family | $2,950 | $3,026 | $2,685 |
| Farmers | $2,728 | $2,794 | $2,905 |
| GEICO | $2,109 | $2,155 | $2,215 |
| Liberty Mutual | $11,152 | $11,402 | $11,823 |
| Nationwide | $2,209 | $2,277 | $2,378 |
| Progressive | $2,938 | $3,032 | $3,146 |
| State Farm | $2,156 | $2,241 | $2,300 |
| USAA | $1,987 | $2,050 | $2,109 |
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Best By Category: Cheapest Auto Insurance in Fargo, North Dakota
Compare the cheapest auto insurance companies in Fargo, North Dakota in each category to find the company with the best rates for your personal needs.
| Category | Insurance Company |
|---|---|
| Teenagers | GEICO |
| Seniors | USAA |
| Clean Record | GEICO |
| With 1 Accident | USAA |
| With 1 DUI | State Farm |
| With 1 Speeding Violation | USAA |
The Cheapest Fargo, North Dakota Auto Insurance Companies
What auto insurance companies in Fargo, North Dakota are the cheapest? Compare the top Fargo, North Dakota auto insurance companies to find the best annual rates.
| Insurance Company | Average Annual Rates |
|---|---|
| Allstate | $4,806 |
| American Family | $2,887 |
| Farmers | $2,809 |
| GEICO | $2,160 |
| Liberty Mutual | $11,459 |
| Nationwide | $2,288 |
| Progressive | $3,039 |
| State Farm | $2,232 |
| USAA | $2,049 |
What affects auto insurance rates in Fargo, North Dakota?
There are a lot of reasons why auto insurance rates in Fargo, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fargo, North Dakota. Many local factors may affect your Fargo auto insurance rates.
Fargo Commute Time
Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average Fargo, North Dakota commute length is 17.1 minutes according to City-Data.
Fargo Traffic
How does Fargo, North Dakota rank for traffic? According to Inrix Fargo, North Dakota is the 506th most congested worldwide.
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Compare Fargo, North Dakota Auto Insurance Quotes
Before you buy Fargo, North Dakota auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fargo, North Dakota auto insurance quotes.
Editorial Guidelines: We are a free online resource for anyone interested in learning more about auto insurance. Our goal is to be an objective, third-party resource for everything auto insurance related. We update our site regularly, and all content is reviewed by auto insurance experts.
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Written by
Rachel Bodine |
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Reviewed by
Daniel Walker
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