Best Cheap Auto Insurance in West Fargo, ND (2021)

The average West Fargo, ND auto insurance rates are $309 per month. The minimum auto insurance in West 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 West 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 cheapest auto insurance company in West Fargo is USAA
  • The most expensive auto insurance company in West Fargo for teen drivers is Liberty Mutual
  • The minimum auto insurance required in West Fargo, North Dakota is 25/50/25

West Fargo, North Dakota auto insurance requirements are 25/50/25 according to North Dakota auto insurance laws. Finding cheap auto insurance in West 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 West Fargo, North Dakota, including driving record, credit, commute time, and more.

Compare auto insurance in West Fargo to other North Dakota cities, including Dickinson auto insurance rates, Grand Forks auto insurance rates, and West Fargo auto insurance rates to see how West Fargo, North Dakota auto insurance rates stack up.

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

Minimum Auto Insurance in West Fargo, North Dakota

West 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 West Fargo, North Dakota.

Minimum Required Auto Insurance Coverage in West 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 West Fargo, North Dakota Auto Insurance by Age, Gender, and Marital Status

Auto insurance rates in West 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 West 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 $1,910 $1,910 $1,737 $1,737 $4,146 $5,983 $1,910 $2,221
Farmers $1,499 $1,462 $1,332 $1,396 $5,796 $5,933 $1,705 $1,782
GEICO $1,968 $1,950 $1,687 $1,706 $3,953 $4,945 $1,779 $1,936
Liberty Mutual $6,032 $6,485 $4,856 $5,890 $25,946 $28,895 $6,234 $6,779
Nationwide $1,508 $1,528 $1,362 $1,440 $3,548 $4,311 $1,738 $1,829
Progressive $1,617 $1,512 $1,314 $1,370 $6,546 $7,262 $1,972 $1,997
State Farm $1,364 $1,364 $1,231 $1,231 $4,152 $5,226 $1,538 $1,751
USAA $1,132 $1,115 $938 $921 $4,094 $4,890 $1,625 $1,731

Cheap West Fargo, North Dakota Auto Insurance for Teen Drivers

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

Annual Auto Insurance Rates for Teen Drivers in West Fargo, North Dakota

Insurance Company Single 17-Year-Old Female Single 17-Year-Old Male
Allstate $10,291 $12,143
American Family $4,146 $5,983
Farmers $5,796 $5,933
GEICO $3,953 $4,945
Liberty Mutual $25,946 $28,895
Nationwide $3,548 $4,311
Progressive $6,546 $7,262
State Farm $4,152 $5,226
USAA $4,094 $4,890

Cheap West Fargo, North Dakota Auto Insurance for Seniors

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

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

Insurance Company Married 60-Year-Old Female Married 60-Year-Old Male
Allstate $2,330 $2,468
American Family $1,737 $1,737
Farmers $1,332 $1,396
GEICO $1,687 $1,706
Liberty Mutual $4,856 $5,890
Nationwide $1,362 $1,440
Progressive $1,314 $1,370
State Farm $1,231 $1,231
USAA $938 $921

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

Annual West 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 $1,962 $2,846 $3,725 $2,244
Farmers $2,195 $2,822 $2,785 $2,651
GEICO $1,454 $2,414 $3,758 $2,336
Liberty Mutual $10,079 $11,447 $12,357 $11,676
Nationwide $1,621 $2,198 $2,986 $1,828
Progressive $2,709 $3,389 $2,750 $2,948
State Farm $2,035 $2,430 $2,232 $2,232
USAA $1,453 $2,080 $2,892 $1,797

Cheap West Fargo, North Dakota Auto Insurance Rates After a DUI

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

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

Insurance Company Annual Auto Insurance Rates With a DUI
Allstate $6,540
American Family $3,725
Farmers $2,785
GEICO $3,758
Liberty Mutual $12,357
Nationwide $2,986
Progressive $2,750
State Farm $2,232
USAA $2,892

Cheap West Fargo, North Dakota Auto Insurance By Credit History

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

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

Insurance Company Poor Fair Good
Allstate $6,072 $4,609 $3,738
American Family $3,544 $2,461 $2,078
Farmers $3,008 $2,479 $2,353
GEICO $2,978 $2,400 $2,094
Liberty Mutual $16,466 $9,944 $7,758
Nationwide $2,610 $2,060 $1,805
Progressive $3,370 $2,856 $2,621
State Farm $3,122 $1,985 $1,589
USAA $2,833 $1,799 $1,535

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Cheap West Fargo, North Dakota Auto Insurance Rates By ZIP Code

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

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

ZIP Code Average Annual Rates
58078 $3,936

Cheap West Fargo, North Dakota Auto Insurance Rates By Commute

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

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

Insurance Company 10 Mile Commute, 6000 Annual Mileage 25 Mile Commute, 12000 Annual Mileage
Allstate $4,689 $4,924
American Family $2,661 $2,727
Farmers $2,613 $2,613
GEICO $2,461 $2,520
Liberty Mutual $11,390 $11,390
Nationwide $2,158 $2,158
Progressive $2,949 $2,949
State Farm $2,173 $2,291
USAA $2,035 $2,076

Cheap West 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 West Fargo, North Dakota? Check out the comparison of annual West Fargo, North Dakota auto insurance rates by coverage level.

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

Insurance Company Low Medium High
Allstate $4,675 $4,804 $4,940
American Family $2,747 $2,823 $2,513
Farmers $2,531 $2,598 $2,710
GEICO $2,437 $2,486 $2,549
Liberty Mutual $11,085 $11,333 $11,751
Nationwide $2,080 $2,147 $2,247
Progressive $2,849 $2,942 $3,056
State Farm $2,156 $2,241 $2,300
USAA $1,990 $2,057 $2,120

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Best By Category: Cheapest Auto Insurance in West Fargo, North Dakota

Compare the cheapest auto insurance companies in West 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 West Fargo, North Dakota

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

The Cheapest West Fargo, North Dakota Auto Insurance Companies

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

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

Insurance Company Average Annual Rates
Allstate $4,806
American Family $2,694
Farmers $2,613
GEICO $2,491
Liberty Mutual $11,390
Nationwide $2,158
Progressive $2,949
State Farm $2,232
USAA $2,056

What affects auto insurance rates in West Fargo, North Dakota?

There are a lot of reasons why auto insurance rates in West Fargo, North Dakota are higher or lower than in other cities. These include traffic and the number of vehicle thefts in West Fargo, North Dakota. Many local factors may affect your West Fargo auto insurance rates.

West Fargo Commute Time

Cities in which drivers have a longer average commute time tend to have higher auto insurance costs. The average West Fargo, North Dakota commute length is 17.1 minutes according to City-Data.

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Compare West Fargo, North Dakota Auto Insurance Quotes

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