In Fargo, drivers pay around $91 per month for car insurance, according to Compare.com data. Fargo’s average premiums are in line with the state average but are much cheaper than the national average, thanks in part to low accident and vehicle theft rates.[1]
Even with these lower-than-average rates, you can still find cheaper quotes from many area insurance companies. For example, companies like Auto-Owners, USAA, and State Farm have some of the most affordable insurance rates in Fargo, based on our research.
We also compared average rates across various driver profiles and coverage types to help you find the cheapest auto insurance in Fargo. Here’s a breakdown of what we found.
Auto-Owners offers the cheapest average rates in Fargo, at $23 per month.
Fargo drivers pay around $71 per month for liability-only insurance and $111 for full coverage.
You must report any crash to the Fargo police if someone is hurt or killed, a driver is impaired or flees, city property is damaged, or total damage exceeds $4,000.[2]
The Cheapest Car Insurance Companies in Fargo, North Dakota
Finding affordable car insurance in Fargo isn’t too hard, but you need to know where to look. Though insurance rates can vary widely by company, several insurers typically offer below-average premiums for Fargo drivers.
The next time you’re comparing insurance quotes, check with one or more of the following companies. These insurers offer some of the cheapest rates in Fargo, according to Compare.com data.
Company | Average Monthly Premium |
|---|---|
| Auto-Owners | $23 |
| State Farm | $24 |
| USAA | $24 |
| American Family | $32 |
| GEICO | $47 |
| Farmers | $51 |
| National General | $52 |
| Allstate | $54 |
| State Auto | $56 |
| Bristol West | $68 |
| Direct Auto | $68 |
| Safeco | $79 |
| Root | $86 |
| The General | $101 |
Cheapest Car Insurance in Fargo by Driver and Coverage Type
Auto insurance costs in Fargo can look quite different from one driver to the next. Factors like your age, driving record, claims history, ZIP code, and coverage needs play a role in how much you pay for an insurance policy.
Knowing the average rates for drivers with a profile similar to yours can help you find a fair deal. With that in mind, the table below shows how prices vary by driver and coverage type, according to Compare.com data.
Driver or Coverage Type | Cheapest Insurer | Average Monthly Premium |
|---|---|---|
| Liability only | Auto-Owners | $23 |
| Full coverage | Auto-Owners | $49 |
| Teens | Auto-Owners | $48 |
| Seniors | Auto-Owners | $19 |
| Recent speeding ticket | Auto-Owners | $31 |
| Recent at-fault accident | Auto-Owners | $29 |
| DUI conviction | Auto-Owners | $32 |
| Excellent credit | Auto-Owners | $18 |
| Poor credit | Auto-Owners | $33 |
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State-minimum coverage is the most basic level of auto insurance that North Dakota state law requires. It typically covers injuries and property damage you cause, but not your own car’s repairs.
This type of basic policy is best for drivers with older cars or tight budgets who want to stay legal at the lowest cost. We found that the average rate for minimum coverage in Fargo is $71 per month.
Check out the chart below for the cheapest insurers for state-minimum coverage, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Liability Rates by Company
CompanyAverage Monthly PremiumAuto-Owners $23 State Farm $24 USAA $24 American Family $32 GEICO $47 Farmers $51 National General $52 Allstate $54 State Auto $56 Bristol West $68 Direct Auto $68 Safeco $79 Root $86 The General $101 Full-coverage car insurance combines liability, collision, and comprehensive coverage, protecting both you and your vehicle from theft, weather damage, accidents, and more.
It’s a smart choice for most drivers, but especially for people with newer or higher-value cars who want broader protection beyond the state minimum. In Fargo, the average cost for full coverage is $111 per month.
Below, we’ve listed the cheapest companies offering full-coverage policies in the area, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Full-Coverage Rates by Company
CompanyAverage Monthly PremiumAuto-Owners $49 State Farm $50 USAA $50 American Family $67 GEICO $98 National General $98 Farmers $107 Allstate $114 State Auto $118 Direct Auto $123 Safeco $131 Root $133 Bristol West $141 The General $195 Teen drivers face some of the highest auto insurance rates of any age group. That’s mainly because they’re far more likely to have risky driving habits, like speeding and phone usage, that lead to crashes. In fact, teens aged 16–19 are almost four times as likely to be involved in a fatal crash as older drivers.[3]
Our data shows that the average monthly cost for teens in Fargo is $172. That might be much higher than the average driver, but you’re not necessarily stuck paying outrageous prices just because your teen is on your policy.
Below is a table showing the cheapest companies for teen drivers in Fargo, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates for Teens
CompanyAverage Monthly PremiumUSAA $45 State Farm $47 Auto-Owners $48 American Family $62 GEICO $87 Farmers $104 National General $106 Allstate $109 Bristol West $123 Direct Auto $134 State Auto $138 Root $153 Safeco $163 The General $185 Seniors have years of driving experience under their belt and typically limit driving to daytime and only necessary trips.[4] Because of their cautious driving, senior drivers often enjoy some of the lowest car insurance premiums of any age group.
The average rate for senior drivers is $87 per month in Fargo, according to Compare.com data. That said, you can often find an even cheaper deal with the right insurance company.
We highlight the cheapest insurers for Fargo seniors in the chart below.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates for Seniors
CompanyAverage Monthly PremiumAuto-Owners $19 State Farm $20 USAA $21 American Family $27 GEICO $40 Farmers $43 National General $43 State Auto $45 Allstate $46 Direct Auto $59 Bristol West $60 Safeco $73 Root $76 The General $91 Insurers base car insurance premiums on how likely you are to file a claim. People with a history of speeding tickets are more likely to file accident claims, so they typically pay higher rates.
In Fargo, the average driver with a recent ticket pays around $119 per month for car insurance. But you can usually avoid a rate hike by switching to another company that treats ticketed drivers more favorably.
Let’s take a look at the chart below, which shows the cheapest insurers in Fargo for people with a ticket, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates With a Ticket
CompanyAverage Monthly PremiumAuto-Owners $31 State Farm $31 USAA $32 American Family $42 GEICO $63 National General $66 Farmers $67 Allstate $72 State Auto $76 Direct Auto $87 Bristol West $88 Safeco $106 Root $117 The General $138 An at-fault accident can seriously drive up your car insurance premium. Insurers see you as a higher risk after you cause an accident, which leads to rate increases at your next renewal.
Drivers with a recent accident pay around $107 per month for auto insurance in Fargo. That’s a relatively steep hike compared to the $91 monthly rate the average driver with a clean record pays.
Luckily, you’re not stuck with one insurer. Shopping around can reveal companies that offer better rates if you’ve had a recent crash.
Check out the chart below for Fargo’s cheapest insurers for drivers with an at-fault accident, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates With an Accident
CompanyAverage Monthly PremiumAuto-Owners $29 State Farm $30 USAA $30 American Family $41 GEICO $58 Farmers $64 National General $65 Allstate $69 State Auto $72 Bristol West $85 Direct Auto $88 Safeco $104 Root $109 The General $132 A driving under the influence (DUI) conviction can send your car insurance premiums skyrocketing. That’s because insurers see a serious violation like that as a strong predictor of future accident claims.
The average monthly rate for a Fargo driver with a DUI is $125, according to our data.
But there’s a silver lining, even for these types of high-risk drivers. You can likely limit the inevitable price hike by switching to an insurer that specializes in high-risk drivers or offers better rates for post-DUI situations.
The chart below shows the cheapest auto insurance companies in Fargo for drivers with a DUI, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates With a DUI
CompanyAverage Monthly PremiumAuto-Owners $32 State Farm $34 USAA $34 American Family $45 GEICO $66 Farmers $72 National General $73 State Auto $75 Allstate $76 Bristol West $96 Direct Auto $96 Safeco $118 Root $122 The General $137 Factors like your credit score are another part of many insurers’ overall risk-management strategy. Companies may consider your credit history to determine your premium because studies show people with worse credit tend to file more claims than drivers with better credit.[5]
In Fargo, the average car insurance rate for drivers with poor credit is $104 per month. But not all insurers use credit, and some offer affordable rates regardless of your credit history.
Here’s a look at the cheapest car insurance options for drivers in Fargo with poor credit, according to Compare.com data.
The below rates in Fargo, ND, are estimated rates current as of: Thursday, April 30 at 5:00 PM PDT.Cheapest Rates With Bad Credit
CompanyAverage Monthly PremiumUSAA $28 Auto-Owners $33 State Farm $33 American Family $37 GEICO $56 Farmers $60 National General $61 Allstate $64 State Auto $67 Bristol West $80 Direct Auto $80 Safeco $93 Root $102 The General $119
Our Picks for the Best Auto Insurance in Fargo
Finding the best auto insurance company in Fargo depends on your unique situation. This includes factors like your driving history, your coverage needs, discounts you qualify for, and the vehicle you drive. But still, a few companies rise above the rest for many Fargo drivers.
We selected the following top picks based on average North Dakota rates, available coverages and discounts, and customer ratings and reviews.
While no single insurer works for everyone, the ones we list below are strong contenders worth considering.
| User Reviews | 4.9 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.7 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $32/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $67/mo |
American Family's score | Industry average | |
|---|---|---|
| Coverage options | 4.9 | 3.2 |
| Customer service | 4.9 | 3.6 |
| Discounts | 4.7 | 2.9 |
| Policy transparency | 4.7 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers value the friendly staff but are disappointed by the high premiums and significant rate increases.
If you like having a real person to call instead of managing everything online, consider American Family. The company works with local independent agents across Fargo, so you’ll get personalized service and help tailoring your coverage to fit your lifestyle.
American Family also has a generous list of discounts to help keep rates affordable. You can get a discount for getting an early quote, bundling your policies, or switching from another insurer. You can also get a low-mileage discount if you drive below a certain number of miles each year.
Above-average customer satisfaction[6]
Local agents available
Plenty of available discounts
Few online and mobile features
Below-average telematics program satisfaction
Inconsistent claims handling
| User Reviews | 4.0 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.6 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $47/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $98/mo |
GEICO's score | Industry average | |
|---|---|---|
| Coverage options | 4.4 | 3.2 |
| Customer service | 4.3 | 3.6 |
| Discounts | 4.3 | 2.9 |
| Policy transparency | 4.3 | 3.1 |
| Value | 4.4 | 2.9 |
Drivers appreciate the easy communication and good customer service, but many are unhappy with the regular and significant price increases.
GEICO consistently offers low rates in Fargo, making it a great choice if you need only basic coverage. Though it doesn’t offer gap insurance, mechanical breakdown insurance is available, which may be a more affordable option than buying an extended warranty for things like engine failures.
Though it’s not as well-known for its military discount, GEICO offers military members and government workers up to 15% in savings. It also offers many other discounts for driver’s education, policy management, vehicle equipment and safety features, and driving habits.
Cheap rates for most drivers
Many discounts available
Mechanical breakdown coverage available
Doesn’t offer gap insurance
Below-average digital experience satisfaction[7]
No local agents
| User Reviews | 3.3 |
|---|---|
| Our Rating Compare.com's ratings are determined by our editorial team. The objective formula used in these reviews weighs several important factors to consider when choosing financial products and services, including customer satisfaction ratings, ease of use, and a number of other components. | 4.5 /5 |
| Liability Only Liability-only insurance, sometimes called minimum-coverage insurance, pays for bodily injury and property damage to others in an accident the policyholder causes. It does not pay for the insured’s own damages. | $95/mo |
| Full Coverage Full-coverage car insurance generally includes liability, collision, and comprehensive coverage, and may include other optional coverages such as uninsured motorist coverage. Collision covers a policyholder’s repair or replacement costs in case of an accident. Comprehensive covers damages caused by non-accident events. The average quote displayed here reflects policies with the following coverage limits: $50,000 bodily injury liability per person; $100,000 bodily injury liability per accident; $50,00 property damage liability per accident; $1,000 collision deductible; and a $1,000 comprehensive deductible. | $189/mo |
Nationwide's score | Industry average | |
|---|---|---|
| Coverage options | 3.0 | 3.2 |
| Customer service | 3.1 | 3.6 |
| Discounts | 3.0 | 2.9 |
| Policy transparency | 3.0 | 3.1 |
| Value | 3.5 | 2.9 |
Nationwide may be a great pick for Fargo drivers who prioritize driving safely. It offers driver discount programs, like SmartRide for safe drivers and SmartMiles for low-mileage drivers. It also offers a vanishing deductible program that rewards customers who remain accident-free.
You can also work with one of Fargo’s many local agents to customize your policy to your specific needs, with coverages like rental reimbursement, total loss deductible waiver, and accident forgiveness.
Above-average claims satisfaction rating
Highly rated telematics program
Plenty of coverage options available
Higher-than-average rates for some drivers
Below-average digital shopping experience
Recently downgraded financial strength rating
Find the Best Company for You
Local rates start as low as $23 per month.
North Dakota Auto Insurance Requirements
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North Dakota has stricter auto insurance requirements than many other states. Its minimum coverage limits include:[8]
$25,000 per person for bodily injury liability
$50,000 per accident for bodily injury
$25,000 per accident for property damage liability
$30,000 per person for personal injury protection (PIP)
$25,000/$50,000 for uninsured/underinsured motorist (UM/UIM) coverage
PIP provides no-fault medical coverage for your and your passengers’ injuries. UM/UIM coverage protects you if someone else is at fault but doesn’t have liability coverage or high enough policy limits to cover your costs.
Though minimum coverage limits satisfy the state of North Dakota, they likely won’t be enough to protect you financially. For example, if you total a brand-new car worth $50,000 or cause serious injuries, state-minimum coverage won’t be enough to cover the other driver’s bills, and you’d be personally responsible to pay the rest.
The North Dakota Insurance Department also recommends optional coverages, such as roadside assistance, gap insurance, comprehensive insurance, and collision coverage. These coverage options may be worth it if you finance or lease a newer vehicle.
Fargo Auto Insurance FAQs
We answered common insurance questions people ask about finding the best deal on car insurance in Fargo.
How much is car insurance in Fargo, North Dakota?
Car insurance costs around $71 per month for liability coverage in Fargo, according to Compare.com data. Full coverage averages $111 per month.
What’s the cheapest auto insurance company in Fargo?
The cheapest auto insurance company in Fargo is Auto-Owners. It has an average monthly rate of just $23 for liability coverage, according to Compare.com data.
Is car insurance in Fargo expensive?
Not really. Fargo auto insurance averages $91 per month, which is cheaper than the national average of $140, according to Compare.com data.
That said, the cost of car insurance in Fargo depends on many factors, including your age, driving record, credit score, and vehicle type.
What is a good deductible for car insurance?
It depends. A good deductible is one you can afford at a moment’s notice, since an accident can happen at any time. The most common car insurance deductible is $500. Raising your deductible will lower your premium but require you to pay more out of pocket if you file a claim.
Sources
- National Highway Traffic Safety Administration. "2023 Traffic Fatalities by State and Percentage Change from 2022."
- Fargo Police Department. "Traffic Accidents."
- Insurance Institute for Highway Safety. "Teenagers."
- Insurance Institute for Highway Safety. "Older drivers."
- Insurance Information Institute. "Trends and Insights: Risk-Based Pricing of Insurance."
- J.D. Power. "2025 U.S. Auto Insurance Study."
- J.D. Power. "2025 U.S. Insurance Digital Experience Study."
- North Dakota Insurance & Securities. "Auto."
Methodology
Data scientists at Compare.com analyzed more than 50 million real-time auto insurance quotes from more than 75 partner insurers in order to compile the rates and statistics seen in this article. Compare.com’s auto insurance data includes coverage analysis and details on drivers’ vehicles, driving records, insurance histories, and demographic information.
All the rates listed in this article have been collected from a combination of real Compare.com quotes and external insurance rate data gathered in collaboration with Quadrant Information Services. Compare.com uses these observations to provide readers with insights into how auto insurance companies determine their premiums.
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