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Get Cheap Car Insurance in Downtown Fargo, Fargo, ND
We monitor insurance prices, helping the average driver in Downtown Fargo save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Downtown Fargo
The chart below shows the cheapest car insurance company in Downtown Fargo for a driver with a good record seeking minimum coverage on a mid-grade used vehicle. Values are estimated, and premiums may be lower or higher, but should be in an accurate order for a good driver. In general, drivers with good records will get the best prices through State Farm, followed by Midvale Home & Auto, American Family Insurance, and Auto-Owners Insurance.
| Downtown Fargo Insurer | Monthly Cost |
|---|---|
| State Farm | $33 |
| Midvale Home & Auto | $33 |
| American Family Insurance | $34 |
| Auto-Owners Insurance | $37 |
Savings for Every Kind of Downtown Fargo Driver
Based on our extensive insurance data, we know the average Downtown Fargo driver will save about 28% on car insurance. This isn’t marketing: this is unbiased data with no financial influence. The best auto insurance company depends on factors such as your driving record, home location, credit score, marital status, and age. The average driver will find themselves saving $395 per year by choosing the right vehicle insurance company. Some Downtown Fargo residents are paying out over $1,422 extra every year for auto insurance in Downtown Fargo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Downtown Fargo, Fargo, ND Savings / Yr. |
|---|---|
$395 |
|
$519 |
|
$364 |
|
$471 |
|
$1,126 |
|
$362 |
|
$444 |
Downtown Fargo Car Insurance vs. Fargo
People living in Downtown Fargo pay an average of 0.08% less than the typical driver in the state. The average driver in Downtown Fargo can expect to pay about $493 per year, or $1,422 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Downtown Fargo for most people.
Car Insurance Prices by Downtown Fargo Neighborhood
Insurance Prices
Where is insurance cheapest within Downtown Fargo?
The map shows insurance prices in and around Downtown Fargo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $217 per year within the neighborhood boundaries, with insurance premiums ranging from a high of $1,532 to a low of $1,315. Insurance prices tend to be higher for those living in the East area, and lower for those with homes in the Northwest parts of Downtown Fargo.Pick the Best Car Insurance Company for You in Downtown Fargo
The best car insurance provider for most drivers in Downtown Fargo
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $395 over the average Downtown Fargo car insurance company.
The best car insurance provider for Downtown Fargo drivers with accidents on their records
In our analysis, State Farm saved the average person who had been in an accident the most, with annual savings averaging $519 over the competition.
The best car insurance company for Downtown Fargo drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $364 better than other car insurance companies.
The best auto insurance for Downtown Fargo drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $471 less each year.
The least expensive car insurance company for new and young drivers in Downtown Fargo
In Downtown Fargo, State Farm costs young drivers $1,126 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Downtown Fargo
State Farm gave the largest car insurance discounts to married couples, averaging $362 saved each year compared to an average Downtown Fargo couple's premiums.
The cheapest car insurance in Downtown Fargo for drivers with bad credit
The best Downtown Fargo car insurance company for customer service
Nationwide was the best company for customer service in Downtown Fargo according to the NAIC.
Recent price drops
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The cheapest large national provider in Downtown Fargo
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average Downtown Fargo driver can expect to pay about $91 per month.
What About USAA?
JD power consistently ranks USAA as the top car insurance company in the United States. We don’t compare their rates because most people can’t sign up. USAA only allows active military members and their spouses and children to apply. In Downtown Fargo, USAA has the best prices for drivers with a DUI conviction, married couples, good drivers, drivers with accidents, drivers with speeding tickets, drivers with bad credit, and young drivers.Auto Insurance Prices in and Around Downtown Fargo
What Influences the Cost of Car Insurance in Downtown Fargo?
On average, car insurance in Downtown Fargo is actually less expensive than the rest of the state. These low prices are no mystery to us. Coverage Watch tracks car insurance costs and uses a complex AI that finds related variables, and has determined car insurance prices in the neighborhood are influenced by the following factors:
- The average commute time in Downtown Fargo is 19 minutes, which is about the national average for a driver in the city.
- North Dakota state insurance regulations may allow for lower prices.
- An average of 14 to 15 weeks with snow on the ground, which impacts accident rates.
- Marriage rates in Downtown Fargo are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very high, with a Vehicle Theft Crime Grade of B- according to CrimeGrade.org.
- Downtown Fargo is one of the most densely populated areas in the state. The neighborhood’s density could result in a price increase for drivers.
As a result of these and other factors, the average cost of car insurance in Downtown Fargo is $41 per month for minimum coverage and $118 per month for full coverage. Costs vary widely based on your situation, and will likely be lower if you have a clean driving record and follow our insurance company research to find the best car insurance company for you.
Car Insurance in Nearby Neighborhoods
- North Dakota State University: Insurance costs 3.80% less
- Jefferson-Carl Ben: Insurance costs 3.38% less
- Washington: Insurance costs 1.20% more
- Westgate: Insurance costs 4.92% less
- Northport: Insurance costs 8.65% less
- Brunsdale: Insurance costs 5.41% less
- West Acres: Insurance costs 3.16% more
- Bluemont Lakes: Insurance costs 2.11% less
- Village West: Insurance costs 2.04% more
- Southpointe: Insurance costs 8.09% less
Neighborhoods with Similar Populations
- Blanco Gardens: Insurance costs 22.86% more
- Denver International Airport: Insurance costs 63.43% more
- Meredith Parkwood: Insurance costs 55.41% more
- Embrey Mill: Insurance costs 11.60% less
- Villas at Norcross: Insurance costs 58.37% more
- Orchidlands Estates: Insurance costs 0.70% more
- Upper East Side: Insurance costs 16.60% less
- West Cloverdale: Insurance costs 26.44% less
- Downtown Frederick: Insurance costs 28.27% more
- The Gardens: Insurance costs 21.59% more