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Get Cheap Car Insurance in West Fargo, ND
We monitor insurance prices, helping the average driver in West Fargo save up to 27.8% on car insurance.
The Cheapest Minimum Coverage in West Fargo
The chart below shows the cheapest car insurance company in West 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.
| West Fargo Insurer | Monthly Cost |
|---|---|
| State Farm | $30 |
| Midvale Home & Auto | $30 |
| American Family Insurance | $30 |
| Auto-Owners Insurance | $34 |
Savings for Every Kind of West Fargo Driver
Based on our extensive insurance data, we know the average West 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 $358 per year by choosing the right vehicle insurance company. Some West Fargo residents are paying out over $1,289 extra every year for auto insurance in West Fargo. That cost may be even higher if you haven’t requested a new quote as your life situation changed.
Situation |
West Fargo, ND Savings / Yr. |
|---|---|
$358 |
|
$470 |
|
$330 |
|
$427 |
|
$1,021 |
|
$328 |
|
$402 |
West Fargo Car Insurance vs. North Dakota
People living in West Fargo pay an average of 9.39% less than the typical driver in the state. The average driver in West Fargo can expect to pay about $447 per year, or $1,289 for full coverage.
Based on our analysis, MetLife will be the cheapest provider in West Fargo for most people.
Car Insurance Prices by West Fargo Neighborhood
Insurance Prices
Where is insurance cheapest within West Fargo?
The map shows insurance prices in and around West Fargo, with more expensive areas in red and places with cheaper car insurance in green. Insurance can vary by as much as $178 per year within the city boundaries, with insurance premiums ranging from a high of $1,441 to a low of $1,263. Insurance prices tend to be higher for those living in the North area, and lower for those with homes in the Southwest parts of West Fargo.Pick the Best Car Insurance Company for You in West Fargo
The best car insurance provider for most drivers in West Fargo
For drivers with clean driving records and no major strikes, MetLife is the best option, with annual savings of $358 over the average West Fargo car insurance company.
The best car insurance provider for West 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 $470 over the competition.
The best car insurance company for West Fargo drivers with speeding tickets
>State Farm gave the average person with a speeding ticket the most savings, averaging $330 better than other car insurance companies.
The best auto insurance for West Fargo drivers with a DUI conviction
Getting a quote from Grinnell Mutual may cost the average person with a DUI about $427 less each year.
The least expensive car insurance company for new and young drivers in West Fargo
In West Fargo, State Farm costs young drivers $1,021 less each year versus the average auto insurance bill.
The best marriage discounts for vehicle insurance in West Fargo
State Farm gave the largest car insurance discounts to married couples, averaging $328 saved each year compared to an average West Fargo couple's premiums.
The cheapest car insurance in West Fargo for drivers with bad credit
The best West Fargo car insurance company for customer service
Nationwide was the best company for customer service in West Fargo according to the NAIC.
Recent price drops
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The cheapest large national provider in West Fargo
For customers who prefer to work with large national providers, we recommend State Farm for pricing. The average West 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 West 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 West Fargo
What Influences the Cost of Car Insurance in West Fargo?
On average, car insurance in West 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 West Fargo is 21 minutes, which is a little 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 West Fargo are lower than average in the state, and marriage often results in car insurance discounts.
- Vehicle theft rates in the area are very low, with a Vehicle Theft Crime Grade of B+ according to CrimeGrade.org.
- West 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 West Fargo is $37 per month for minimum coverage and $107 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
- Fargo: Insurance costs 3.72% more
- Prairie Rose: Insurance costs 3.10% more
- Frontier: Insurance costs 1.78% less
- Reiles Acres: Insurance costs 4.97% more
- Horace: Insurance costs 1.01% more
- Moorhead: Insurance costs 18.85% more
- Mapleton: Insurance costs 1.55% more
- Warren: Insurance costs 2.64% more
- Wild Rice: Insurance costs 1.40% more
- North River: Insurance costs 4.89% more
Cities with Similar Populations
- South Salt Lake: Insurance costs 22.96% more
- East Point: Insurance costs 75.48% more
- Estero: Insurance costs 87.20% more
- Fairborn: Insurance costs 14.90% less
- Sandusky: Insurance costs 13.03% less
- Saratoga Springs: Insurance costs 14.43% more
- Security-Widefield: Insurance costs 57.33% more
- Shrewsbury: Insurance costs 25.60% more
- Somerset: Insurance costs 60.28% more
- Adrian: Insurance costs 125.83% more