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Get Cheap Car Insurance in Fargo, ND
We monitor insurance prices, helping the average driver in Fargo save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in Fargo
The chart below shows the cheapest car insurance company in 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.
| Fargo Insurer | Monthly Cost |
|---|---|
| State Farm | $31 |
| Midvale Home & Auto | $31 |
| American Family Insurance | $31 |
| Auto-Owners Insurance | $35 |
Savings for Every Kind of Fargo Driver
Based on our extensive insurance data, we know the average 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 $371 per year by choosing the right vehicle insurance company. Some Fargo residents are paying out over $1,337 extra every year for auto insurance in Fargo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
Fargo, ND Savings / Yr. |
|---|---|
$371 |
|
$488 |
|
$342 |
|
$443 |
|
$1,059 |
|
$340 |
|
$417 |
Fargo Car Insurance vs. North Dakota
People living in Fargo pay an average of 6.05% less than the typical driver in the state. The average driver in Fargo can expect to pay about $463 per year, or $1,337 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in Fargo for most people.
Car Insurance Prices by Fargo Neighborhood
Insurance Prices
Where is insurance cheapest within Fargo?
The map shows insurance prices in and around Fargo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $426 per year within the city boundaries, with insurance premiums ranging from a high of $1,692 to a low of $1,266. Insurance prices tend to be higher for those living in the West area, and lower for those with homes in the Southwest parts of Fargo.Pick the Best Car Insurance Company for You in Fargo
The best car insurance provider for most drivers in Fargo
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $371 over the average Fargo car insurance company.
The best car insurance provider for 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 $488 over the competition.
The best car insurance company for Fargo drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $342 better than other car insurance companies.
The best auto insurance for Fargo drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $443 less each year.
The least expensive car insurance company for new and young drivers in Fargo
In Fargo, State Farm costs young drivers $1,059 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in Fargo
State Farm gave the largest car insurance discounts to married couples, averaging $340 saved each year compared to an average Fargo couple's premiums.
The cheapest car insurance in Fargo for drivers with bad credit
The best Fargo car insurance company for customer service
Recent price drops
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The cheapest large national provider in Fargo
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average 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 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 Fargo
What Influences the Cost of Car Insurance in Fargo?
On average, car insurance in 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 city are influenced by the following factors:
- The average commute time in Fargo is 19 minutes, which is far less than average for a driver in the state.
- 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 Fargo are among the lowest in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are moderate, with a Vehicle Theft Crime Grade of B according to CrimeGrade.org.
- Fargo is one of the least populated areas in the state. The city’s density could result in a price decrease for drivers.
As a result of these and other factors, the average cost of car insurance in Fargo is $39 per month for minimum coverage and $111 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 Cities
- Prairie Rose: Insurance costs 0.60% less
- Moorhead: Insurance costs 14.58% more
- West Fargo: Insurance costs 3.59% less
- Frontier: Insurance costs 5.31% less
- Reiles Acres: Insurance costs 1.20% more
- Dilworth: Insurance costs 16.16% more
- Horace: Insurance costs 2.62% less
- Wild Rice: Insurance costs 2.24% less
- North River: Insurance costs 1.12% more
- St. Benedict: Insurance costs 3.96% less
Cities with Similar Populations
- Chula Vista: Insurance costs 51.98% more
- Cicero: Insurance costs 48.62% more
- Champaign: Insurance costs 10.02% more
- Bayonne: Insurance costs 66.49% more
- Alameda: Insurance costs 63.43% more
- Bethlehem: Insurance costs 8.15% more
- Ashburn: Insurance costs 3.96% less
- Ann Arbor: Insurance costs 126.55% more
- Allen: Insurance costs 37.70% more
- Ankeny: Insurance costs 9.95% less