Fargo, ND Auto Insurance Rates

Fargo, ND residents can save $410 by comparing multiple quotes & reading reviews & research on Fargo car insurance rates, quotes, agents & coverage.

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$698 $1,022 $1,384

Latest Auto Insurance Reviews in Fargo, North Dakota

State Farm
I am fairly happy with the premium we pay for our auto insurance. I have to say I have not priced other companies recently so they could be on the expensive side and I would not know.
American Family Insurance
I was able to obtain a $500 deductible at a reasonable cost. Lots of other companies had a $1000 deductible for the price I paid for the lower deductible.
5 I am so satisfied with my service and I am treated right by this company, have been for years.
Progressive is probably best known for its car insurance, although it also offers insurance for just about anything with a motor. The country,??s third-largest auto insurance provider also offers home, renters and life insurance through third parties. Progressive ranked 23rd out of 23 insurers in NerdWallet,??s ranking of the best car insurance companies, earning 3.5 stars out of 5 for overall performance.
AAA offers other services such as travel and identity theft protection. The auto insurance alone is a great value and I get excellent customer service when I contact them. They email great offers which I know I will take advantage of towards purchases and restaurants. I am happy with my coverage as well.
Its a damned insurance company. Does anybody like insurance companies? They shake me down. Like gangsters.
Amica Mutual Insurance
I like all the things, good value, great website, very responsive company. Much happier than with other companies I've used.
I love how easy to use and accessible they are. They provide everything I need and have great customer service. Their premiums are slightly cheaper than their competitors, for now at least.
State Farm
overall I love everything about this company. They truly care about there customers. They want to save me the most money and give you the most for what I pay.
State Farm
very fair from the time I called in a serious problem up to the payoff for the destroyed car
Write Your Review | Fargo, North Dakota Auto Insurance Analysis
Allstate Auto Insurance, Fargo, ND
$103/1 month
Car Insurance Policy Holder
  • Married 78 Years old Female licensed 2 years ago with Own Hyundai Sonata GLS used for Commute to Work or School with estimated annual mileage of 15,001 - 20,000.
  • bachelors degree & Retired.
  • No accidents , No traffic tickets , DUIs in history , Licence suspended previously.
Car Insurance Policy & Coverage Details:
  • 1 car insured & 1 person is part of this policy
  • Home and Auto insurance are from difference companies
  • $25K (Per Person Bodily Injury) / $50K (Per Accident Bodily Injury)
  • 25 K Property Damage
  • 50 K Personal Injury Protection
  • 25 K Uninsured Motorists Bodily Injury
  • 50 K Uninsured Motorists Property Damage

Which car will cost me the least to insure in Fargo, North Dakota?

In North Dakota, all drivers must carry proof of financial responsibility before they can legally drive within state limits. Failure to furnish insurance documents will result in a minimum fine of $150 the first time a driver is caught, and successive offenses result in impoundment of your vehicle. North Dakota, with an annual average insurance rate of $1334, is the 15th least expensive state to buy auto insurance in the United States. Fargo, North Dakota’s largest city, has an annual average insurance rate of $1031.

If you are planning to buy a used car, the Honda Civic is one of the most affordable options in Fargo. The median price of the Honda Civic is $11,999, but it costs around $1020 to insure it every year. The Honda Accord, on the other hand, has a median price of $13,999, but costs $969 to insure on an annual basis.

The table below lists the insurance rates of the most popular cars in Fargo –

Make Model Year Range Annual Average Insurance Rate ($)
Honda CR-V 2005 - 2012 874
Toyota Corolla 2005 - 2012 949
Honda Accord 2005 - 2012 969
Toyota Camry 2005 - 2012 997
Honda Civic 2005 - 2012 1,020
Ford F-Series 2005 - 2012 1,020
Nissan Altima 2005 - 2012 1,101
Chevrolet Silverado 2005 - 2012 1,126

The Honda CR-V is clearly the least expensive car in terms of insurance costs. Its median price is, however, pretty steep in Fargo. It costs around $25,599 in Fargo, though it can be purchased for a median price of merely $10,000 from Nashville, Tennessee. If you buy your vehicle from Nashville and have it shipped back home, you stand to save more than $10,000. Even if you add auto transport charges and buy the best transport insurance that money can buy, you will end up saving a huge chunk of your upfront costs.

Fargo Car Insurance Rate Comparisons

Fargo, ND's average car insurance of $1022 differs from Briarwood, ND (+$728), Dilworth, MN (+$708), Raymond, ND (+$768) and North Dakota (+$312)

Fargo Briarwood, ND Dilworth, MN Raymond, ND North Dakota
Median Insurance Rates $1022 +$728 +$708 +$768 +$312

Fargo Car Insurance Savings By Neighborhood & Street Area

Fargo Driver Street Residence & Car Locations Car Details in Fargo Fargo Driver Demographics Fargo Auto Insurance Estimates Recent Fargo Insurance Savings
South West Fargo
21st Ave S2003 Cadillac Seville STS45 year married woman$1,247$802
26th Ave SW2006 Buick Rendezvous CX16 year teenager$2,014$648
Columbia Cir2005 Chrysler Pacifica Touring18 year female teenager$1,799$639
Wild Rice
el Cano Dr S2006 Ford Fusion V6 SEL39 year man$1,379$686
E Rosecreek Pkwy2012 Hyundai Sonata GLS69 year male senior$1,207$826
52 Ave S2009 Acura TSX Base18 year male teenager$2,310$517
Other Area
28th Ave S2010 Mazda Mazda3 s Sport52 year woman$924$965
W Country Club Dr2013 Honda Civic LX70 year female senior$1,419$499
Reiles Acres
Rainier Rue St2011 Nissan Rogue SV66 year senior$1,522$565
Kelly St N2010 Toyota Prius I43 year married man$1,237$544

Fargo Post DUI Car Insurance Rates

Fargo Kragnes, MN Barnes Reed North Dakota
Median Post DUI Insurance Rate $1900 +$1094 +$1355 +$1522 +$581
Male Teenager Post DUI Insurance Rate $3952 +$2275 +$2818 +$3166 +$1207
Female Teenager Post DUI Insurance Rate $3191 +$1838 +$2277 +$2558 +$977

The Post DUI insurance in Fargo, ND's is $1900 compared to Kragnes, MN (+$1094), Barnes (+$1355), Reed (+$1522) and North Dakota (+$581)

In Fargo, a male teenager with Post DUI pays $761 more than a female teenager Post DUI. For Example, a Male Teenager Post DUI with a 2005 Chrysler Pacifica Touring in Fargo, ND would pay $4142 on auto insurance while a female teenager POST DUI would pay $3346.

Fargo Car Insurance by Segment

Fargo Teenagers Car Insurance Rates Comparison

7794 Fargo Teenagers (7% of total population), 49% Male & 51% Female.

Fargo Dilworth, MN Prairie Rose Mapleton North Dakota
All Teenagers $1890 +$1310 +$1532 +$552 +$577
Male Teenager $2125 +$1473 +$1723 +$620 +$649
Female Teenager $1716 +$1190 +$1392 +$501 +$525

Fargo teenagers pay $1890 in insurance in contrast with Dilworth, MN (+$1310), Prairie Rose (+$1532), Mapleton (+$552) and North Dakota (+$577). The difference between Male & Female teenagers in Fargo is $409


  • 2009 Lexus GS 350 Base Male Teenager Insurance Rate $2,928
  • 2012 Dodge Journey Crew Female Teenager Insurance Rate $1,905

Fargo Men & Women Car Insurance

106005 Fargo Adults (100% of total population), 50% Men & 50% Women.

Fargo Mapleton Dilworth, MN Kragnes, MN North Dakota
All Women $930 +$271 +$644 +$535 +$283
Married Women $878 +$257 +$609 +$506 +$269
All Men $1379 +$403 +$956 +$794 +$421
Married Men $1257 +$366 +$870 +$723 +$383

The typical insurance rate of $1379 that Fargo Men pay varies from Mapleton (+$403), Dilworth, MN (+$956), Kragnes, MN (+$794) and North Dakota (+$421). In Fargo, married men pay $379 more than married women.


  • 2014 Jeep Wrangler Sport Married Men Insurance Rate $1,169
  • 2013 Volkswagen Beetle Married Women Insurance Rate $1,302

Fargo Senior Car Insurance

15734 Fargo Seniors (14% of total population), 44% Senior Men & 56% Senior Women.

Fargo Reile's Acres Raymond Oakport, MN North Dakota
All Seniors $1471 +$1049 +$1106 +$530 +$449
Senior Men $1144 +$816 +$860 +$412 +$350
Senior Women $1543 +$1099 +$1159 +$555 +$471

Fargo seniors pay $1471 in insurance compared to Reile's Acres (+$1049), Raymond (+$1106), Oakport, MN (+$530) and North Dakota (+$449). In Fargo, senior men pay $399 less than senior women.

Fargo Car Insurance Discounts for Multiple Vehicles

Fargo Population with 1 Vehicle 17387 (37% of Fargo population), 2 Vehicles 18731 (40% of the Fargo population) and 3 vehicles 5303 (11% of the population)

Fargo Moorhead, MN North River Kurtz, MN North Dakota
2 Vehicles $1942 -$64 +$1402 +$623 +$593
3 Vehicles $2964 -$98 +$2140 +$951 +$905
4 Vehicles $3986 -$132 +$2878 +$1279 +$1217

Car Insurance Agents in Fargo, ND

Rank Agent Name Agent Contact
1 AAA Insurance 4950 13th Ave S Ste 15, Fargo, ND 58103
2 Al & Curt Hektner Insurance 3301 13th Ave S Ste 104, Fargo, ND 58103
3 Atlas Insurance Brokers - Lowrance Insurance 417 Main Ave, Fargo, ND 58103
4 Bremer Bank Insurance 1444 45th St S, Fargo, ND 58103
5 Bruce Karevold 1330 Page Dr S Ste 103, Fargo, ND 58103
6 Bryan McClean 1535 42nd St SW Ste 400, Fargo, ND 58103
7 BW Insurance Agency 520 Main Ave, Fargo, ND 58103
8 Carlson & Associates 3212 14th Ave S Ste 3, Fargo, ND 58103
9 Choice Financial Insurance 4501 23rd Ave S, Fargo, ND 58104
10 Concorde General Agency 720 28th St SW, Fargo, ND 58103

Fargo Auto Insurance Rates Vary by Deductible

Low Deductible ($500) High Deductible ($1000)
Make & Model Example Claim Amount Yearly Premium Total Yearly Cost Yearly Premium Total Yearly Cost Net Savings for High Deductible Plan
Audi, Q7 TDI Prestige $1,500 $1,110 $1,610 $1,030 $2,530 $-920
Infiniti, G37 X $700 $1,030 $1,530 $960 $1,660 $-130
Scion, xD $500 $1,050 $1,550 $990 $1,490 $60
Honda, Accord LX $400 $1,030 $1,430 $980 $1,380 $50
Toyota, Sequoia Platinum $200 $1,170 $1,370 $1,090 $1,290 $80