Best Cheap Auto Insurance in Fargo, OK (2021)

The average Fargo, OK auto insurance rates are $317 per month. The minimum auto insurance in Fargo is at least 25/50/25 in coverage to comply with Oklahoma auto insurance laws. To find the best cheap auto insurance in Fargo, Oklahoma, compare quotes from multiple companies.

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Leslie Kasperowicz holds a BA in Social Sciences from the University of Winnipeg. She spent several years as a Farmers Insurance CSR, gaining a solid understanding of insurance products including home, life, auto, and commercial and working directly with insurance customers to understand their needs. She has since used that knowledge in her more than ten years as a writer, largely in the insuranc...

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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: May 17, 2021

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Things to Remember

  • The cheapest auto insurance company in Fargo is State Farm
  • The average commute length in Fargo is 14.2 minutes
  • Average auto insurance rates in Fargo, OK for senior drivers are $2,271 per year

Fargo, Oklahoma auto insurance requirements are 25/50/25 according to Oklahoma 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, Oklahoma, including driving record, credit, commute time, and more.

Compare auto insurance in Fargo to other Oklahoma cities, including Stillwater auto insurance rates, Broken Arrow auto insurance rates, and Lawton auto insurance rates to see how Fargo, Oklahoma auto insurance rates stack up.

Before you buy Fargo, Oklahoma auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code above to get free Fargo, Oklahoma auto insurance quotes.

Minimum Auto Insurance in Fargo, Oklahoma

Fargo, Oklahoma auto insurance laws require that you have at least the Oklahoma minimum auto insurance to be financially responsible in the event of an accident. Take a look at the required auto insurance in Fargo, Oklahoma.

Minimum Required Auto Insurance Coverage in Fargo, Oklahoma

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, Oklahoma Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in Fargo, Oklahoma 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, Oklahoma

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 $2,222 $2,241 $2,033 $2,137 $6,613 $7,716 $2,417 $2,557
Farmers $2,432 $2,425 $2,194 $2,302 $8,651 $8,885 $2,744 $2,889
GEICO $2,145 $2,322 $2,260 $2,500 $6,078 $6,489 $1,881 $1,913
Liberty Mutual $4,214 $4,449 $3,705 $4,026 $11,068 $12,131 $4,380 $4,531
Progressive $2,306 $2,204 $1,896 $2,001 $8,999 $10,105 $2,705 $2,845
State Farm $1,840 $1,840 $1,607 $1,607 $4,349 $5,517 $1,922 $2,144
USAA $1,837 $1,859 $1,742 $1,784 $5,760 $6,484 $2,387 $2,651

Cheap Fargo, Oklahoma Auto Insurance for Teen Drivers

Finding cheap teen auto insurance in Fargo, Oklahoma is a challenge. Take a look at the annual teen auto insurance rates in Fargo, Oklahoma.

Annual Auto Insurance Rates for Teen Drivers in Fargo, Oklahoma

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $6,613 $7,716
Farmers $8,651 $8,885
GEICO $6,078 $6,489
Liberty Mutual $11,068 $12,131
Progressive $8,999 $10,105
State Farm $4,349 $5,517
USAA $5,760 $6,484

Cheap Fargo, Oklahoma Auto Insurance for Seniors

What are senior auto insurance rates in Fargo, Oklahoma? Take a look at the annual average rates for older drivers.

Annual Auto Insurance Rates for Senior Drivers in Fargo, Oklahoma

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,033 $2,137
Farmers $2,194 $2,302
GEICO $2,260 $2,500
Liberty Mutual $3,705 $4,026
Progressive $1,896 $2,001
State Farm $1,607 $1,607
USAA $1,742 $1,784

Cheap Fargo, Oklahoma 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, Oklahoma compared to the annual auto insurance rates with a clean record in Fargo, Oklahoma.

Annual Fargo, Oklahoma Auto Insurance Rates by Driving Record

Group Clean Record With 1 Accident With 1 DUI With 1 Speeding Violation
Allstate $3,021 $3,533 $4,035 $3,379
Farmers $3,448 $4,393 $4,287 $4,134
GEICO $2,351 $3,566 $3,899 $2,978
Liberty Mutual $4,116 $6,800 $7,702 $5,634
Progressive $3,224 $5,965 $3,556 $3,787
State Farm $2,437 $2,769 $2,603 $2,603
USAA $2,266 $3,225 $3,979 $2,783

Cheap Fargo, Oklahoma Auto Insurance Rates After a DUI

Finding cheap auto insurance after a DUI in Fargo, Oklahoma is not easy. Compare the annual rates for DUI auto insurance in Fargo, Oklahoma to find the best deal.

Annual Auto Insurance Rates After a DUI in Fargo, Oklahoma

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $4,035
Farmers $4,287
GEICO $3,899
Liberty Mutual $7,702
Progressive $3,556
State Farm $2,603
USAA $3,979

Cheap Fargo, Oklahoma Auto Insurance By Credit History

Credit history can have a major effect on the cost of auto insurance. See how Fargo, Oklahoma annual auto insurance rates by credit history compare.

Annual Auto Insurance Rates by Credit Score in Fargo, Oklahoma

Insurance Company Poor Fair Good
Allstate $4,318 $3,270 $2,888
Farmers $4,692 $3,843 $3,660
GEICO $3,852 $3,199 $2,545
Liberty Mutual $8,716 $5,303 $4,171
Progressive $4,705 $3,990 $3,704
State Farm $3,617 $2,321 $1,871
USAA $4,582 $2,570 $2,038

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Cheap Fargo, Oklahoma Auto Insurance Rates By ZIP Code

Auto insurance rates by ZIP code in Fargo, Oklahoma can vary. Compare the annual cost of auto insurance by ZIP code in Fargo, Oklahoma to see how car insurance rates are affected by location.

Annual Auto Insurance Rates by ZIP Code in Fargo, Oklahoma

ZIP Code Average Annual Rates
73840 $3,750

Cheap Fargo, Oklahoma Auto Insurance Rates By Commute

Commute length and annual mileage affect Fargo, Oklahoma auto insurance. Find the cheapest annual Fargo, Oklahoma auto insurance by commute length.

Annual Auto Insurance Rates by Commute Length in Fargo, Oklahoma

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $3,492 $3,492
Farmers $4,065 $4,065
GEICO $3,136 $3,262
Liberty Mutual $6,063 $6,063
Progressive $4,133 $4,133
State Farm $2,558 $2,648
USAA $3,026 $3,100

Cheap Fargo, Oklahoma Auto Insurance Rates By Coverage Level

How much does the coverage level you select affect the cost of your auto insurance in Fargo, Oklahoma? Check out the comparison of annual Fargo, Oklahoma auto insurance rates by coverage level.

Annual Auto Insurance Rates by Coverage Level in Fargo, Oklahoma

Insurance Company Low Medium High
Allstate $3,289 $3,479 $3,708
Farmers $3,913 $4,026 $4,257
GEICO $3,008 $3,199 $3,389
Liberty Mutual $5,765 $6,041 $6,383
Progressive $3,853 $4,108 $4,437
State Farm $2,455 $2,583 $2,771
USAA $2,975 $3,057 $3,157

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Best By Category: Cheapest Auto Insurance in Fargo, Oklahoma

Compare the cheapest auto insurance companies in Fargo, Oklahoma in each category to find the company with the best rates for your personal needs.

Best Annual Auto Insurance Rates by Company in Fargo, Oklahoma

Category Insurance Company
Teenagers State Farm
Seniors State Farm
Clean Record USAA
With 1 Accident State Farm
With 1 DUI State Farm
With 1 Speeding Violation State Farm

The Cheapest Fargo, Oklahoma Auto Insurance Companies

What auto insurance companies in Fargo, Oklahoma are the cheapest? Compare the top Fargo, Oklahoma auto insurance companies to find the best annual rates.

Average Annual Auto Insurance Rates by Company in Fargo, Oklahoma

Insurance Company Average Annual Rates
Allstate $3,492
Farmers $4,065
GEICO $3,199
Liberty Mutual $6,063
Progressive $4,133
State Farm $2,603
USAA $3,063

What affects auto insurance rates in Fargo, Oklahoma?

There are a lot of reasons why auto insurance rates in Fargo, Oklahoma are higher or lower than in other cities. These include traffic and the number of vehicle thefts in Fargo, Oklahoma. 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, Oklahoma commute length is 14.2 minutes according to City-Data.

Fargo Traffic

How does Fargo, Oklahoma rank for traffic? According to Inrix Fargo, Oklahoma is the 506th most congested worldwide.

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Compare Fargo, Oklahoma Auto Insurance Quotes

Before you buy Fargo, Oklahoma auto insurance, make sure you have compared rates from multiple companies. Enter your ZIP code below to get free Fargo, Oklahoma auto insurance quotes.

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