Cheapest Car Insurance In Fargo, ND 2024
For just $25 a month on average, State Farm offers the cheapest minimum coverage car insurance in Fargo.
We’ve saved shoppers an average of $600 per year on their car insurance.
When exploring the market for low-cost car insurance in Fargo, ND, the price options can vary quite a bit.
State Farm stands out as the most affordable for liability-only coverage. GEICO comes in with the top rates for full coverage, and young drivers also benefit from GEICO’s lower premiums.
Cheapest Car Insurance Companies In Fargo, ND
Cheapest Liability-only Car Insurance In Fargo: State Farm
State Farm offers the lowest-priced minimum coverage car insurance in Fargo, averaging $25 per month.
Refer to the table beneath to view and compare insurance rates across multiple providers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $25 | $299 |
| Progressive | $32 | $384 |
| Auto-Owners | $27 | $320 |
| Nationwide | $28 | $340 |
| Allstate | $51 | $617 |
Cheapest Full Coverage Insurance Rates In Fargo: GEICO
With average rates of $51 a month, GEICO provides the cheapest full coverage car insurance in Fargo.
See the table below for a comparison of average auto insurance rates from affordable insurance companies in Fargo.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $51 | $607 |
| Nationwide | $54 | $642 |
| Auto-Owners | $67 | $807 |
| State Farm | $51 | $615 |
| Farmers | $65 | $785 |
Cheapest Car Insurance Rates For Seniors: American Family
In Fargo, seniors can find the cheapest car insurance rates with American Family, costing an average of $45 per month.
Average quotes from the cheapest auto insurance options for seniors are shown in the table below.
| Provider | Average Monthly Cost | Average Annual Cost |
| American Family | $45 | $540 |
| Auto-Owners | $63 | $760 |
| State Farm | $48 | $571 |
| Progressive | $66 | $790 |
| Nationwide | $50 | $605 |
Cheapest Rates In Fargo For Teenagers: GEICO
Teen drivers in Fargo will find the most affordable quotes from GEICO, averaging $84 per month.
Check out the table beneath for the cheapest insurance options available to teenage drivers.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $84 | $1,012 |
| Auto-Owners | $168 | $2,012 |
| Farmers | $140 | $1,682 |
| Allstate | $138 | $1,650 |
| State Farm | $124 | $1,490 |
Cheapest Auto Insurance For Young Adults in Fargo: GEICO
GEICO’s average monthly rates of $61 make it the cheapest option for young adults in Fargo.
Below, you can compare the lowest car insurance rates for young adults in Fargo using the provided table.
| Provider | Average Monthly Cost | Average Annual Cost |
| GEICO | $61 | $730 |
| State Farm | $125 | $1,498 |
| Allstate | $138 | $1,650 |
| Progressive | $142 | $1,704 |
| Auto-Owners | $167 | $2,004 |
Cheapest Car Insurance In Fargo For Good Drivers: State Farm
If you’re a good driver in Fargo, State Farm offers the cheapest car insurance, with an average monthly premium of $25.
If you’re a good driver, the table below shows the average quotes from the most cost-effective insurers.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $25 | $299 |
| Progressive | $32 | $384 |
| Auto-Owners | $27 | $320 |
| Nationwide | $28 | $340 |
| Allstate | $51 | $617 |
Find affordable Fargo rates
Cheapest Car Insurance In Fargo After A Speeding Ticket: State Farm
State Farm offers one of the most affordable insurance options in Fargo, with average rates of $51 for drivers who have a speeding ticket.
You can consult the table below to find the average insurance rates for drivers with a speeding ticket.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $51 | $614 |
| Auto-Owners | $74 | $890 |
| Nationwide | $62 | $743 |
| Allstate | $92 | $1,098 |
| Progressive | $84 | $1,012 |
Cheapest For Drivers With After At-Fault Accident: Nationwide
For drivers who have an at-fault incident on their record, Nationwide provides the lowest car insurance premiums, averaging $54 a month.
These are the insurance providers that offer the best rates for drivers with an at-fault accident.
| Provider | Average Monthly Cost | Average Annual Cost |
| Nationwide | $54 | $643 |
| Auto-Owners | $84 | $1,010 |
| Nodak Mutual | $60 | $720 |
| Farmers | $91 | $1,092 |
| Allstate | $105 | $1,260 |
Cheapest Rates In Fargo For Drivers After A DUI: State Farm
State Farm provides the lowest car insurance premiums for drivers with a DUI, with Fargo residents paying an average of $51 per month.
Below is a table that shows the most affordable insurance options for drivers in Fargo with a DUI.
| Provider | Average Monthly Cost | Average Annual Cost |
| State Farm | $51 | $609 |
| Auto-Owners | $84 | $1,507 |
| Progressive | $60 | $915 |
| Nodak Mutual | $91 | $856 |
| Allstate | $105 | $1,692 |
Best Car Insurance Companies In Fargo
Fargo drivers can get the best deals on car insurance with State Farm at $25 a month. Auto-Owners and Nodak Mutual also provide affordable options at $27 and $20 per month.
Here are the top 10 car insurance providers in Fargo, ND, ranked by the average monthly premiums they charge.
| Company | Monthly Premium |
| State Farm | $25 |
| Progressive | $32 |
| Auto-Owners | $27 |
| Nationwide | $28 |
| Allstate | $51 |
| GEICO | $26 |
| Nodak Mutual | $20 |
| American Family | $29 |
| Farmers | $37 |
| Grinnell Mutual | $32 |
Average Auto Insurance Rates In Fargo – By Age
Insurance premiums are strongly influenced by age, with younger drivers paying more due to their inexperience and higher likelihood of traffic violations. Teen drivers can expect to pay around $2,040 per year for coverage.
Drivers often see their premiums lower when they turn 25, assuming they have kept a clean driving record.
Insurance rates are generally more favorable for drivers in their 50s and early 60s, as insurers use age to measure risk and driving experience, both of which influence premium costs.
| Age | Average Yearly Rate |
| Teenagers | $2,040 |
| 20s | $1,560 |
| 30s | $1,020 |
| 40s | $840 |
| 50s | $864 |
| 60s | $720 |
| 70s | $960 |
Average Rates In Fargo – By Vehicle
The type of car you drive—its make, model, year, and body style—has a major influence on your insurance rates. Newer and luxury cars, with their advanced features and high replacement values, often result in higher premiums.
Below is a table showing average insurance rates for different vehicles in Fargo.
| Vehicle | Average Monthly Rate |
| Honda Civic | $289 |
| Mitsubishi Lancer | $116 |
| Jeep Grand Cherokee | $76 |
| Pontiac Grand Prix | $75 |
| Chevrolet Silverado | $125 |
How Much Is Car Insurance In Other Cities In North Dakota?
Your city influences your car insurance costs, as insurers take into account accident, theft, and vandalism rates, which are typically higher in urban areas, leading to higher premiums.
For example, car insurance in Cannon Ball can be expected to cost about $176 per month, while in Grand Forks, it’s typically $140 per month.
| City | Average Monthly Rate |
| Jamestown | $142 |
| Minot | $158 |
| Williston | $161 |
| Wahpeton | $147 |
| Bismarck | $150 |
| Davenport | $145 |
| Dickinson | $150 |
| Cannon Ball | $176 |
| Gardner | $147 |
| Grand Forks | $140 |
Average Cost Of Auto Insurance In Fargo – By Zip Code
Car insurance rates differ by zip code because insurers use these codes to evaluate local crime statistics.
The following table shows average car insurance rates for different zip codes in Fargo.
| City | Average Monthly Rate |
| 58104 | $104 |
| 58102 | $97 |
| 58078 | $108 |
| 58103 | $105 |
| 58106 | $70 |
Find affordable Fargo rates
Our Methodology
My in-depth review of car insurance providers in Fargo, ND, draws on a broad analysis that includes customer service ratings, product variety, pricing, and evaluations from various review sites and user feedback.
Quotes Analyzed
Years Of Industry Experience
Brands Reviewed
Research Hours
FAQs
Who has the lowest car insurance rates in Fargo?
For the minimum coverage required in Fargo, State Farm offers the lowest rates, while GEICO is the top choice for full coverage, including both comprehensive and collision.
What is the average cost of car insurance in Fargo?
The average cost for car insurance in Fargo is around $110 per month, but it can vary based on factors like your zip code, car details, and driving history.
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