Best Cheap Auto Insurance in Fargo, ND (2021)

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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Mathew B. Sims is Editor-in-Chief and has authored, edited, and contributed to several books. He has been working in the insurance industry ensuring content is accurate for consumers who are searching for the best policies and rates. He has also been featured on sites like UpJourney.

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Dan Walker graduated with a BS in Administrative Management in 2005 and has been working in his family’s insurance agency, FCI Agency, for 15 years (BBB A+). He is licensed as an agent to write property and casualty insurance, including home, auto, umbrella, and dwelling fire insurance. He’s also been featured on sites like Reviews.com and Safeco. He reviews content, ensuring that ex...

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Reviewed by Daniel Walker
Licensed Auto Insurance Agent

UPDATED: Jul 17, 2021

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Things to Remember

  • 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.

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.

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.

Minimum Required Auto Insurance Coverage 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.

Annual Auto Insurance Rates by Age, Gender, and Marital Status in Fargo, North Dakota

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

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.

Annual Auto Insurance Rates for Teen Drivers 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.

Annual Auto Insurance Rates for Senior Drivers in Fargo, North Dakota

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.

Annual Fargo, North Dakota Auto Insurance Rates by Driving Record

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.

Annual Auto Insurance Rates After a DUI in Fargo, North Dakota

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.

Annual Auto Insurance Rates by Credit Score in Fargo, North Dakota

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.

Annual Auto Insurance Rates by ZIP Code in Fargo, North Dakota

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.

Annual Auto Insurance Rates by Commute Length in Fargo, North Dakota

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.

Annual Auto Insurance Rates by Coverage Level in Fargo, North Dakota

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.

Best Annual Auto Insurance Rates by Company in Fargo, North Dakota

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.

Average Annual Auto Insurance Rates by Company in Fargo, North Dakota

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.

Free Auto Insurance Comparison

Enter your ZIP code below to view companies that have cheap auto insurance rates.

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