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The average cost of auto insurance in the United States is $ 1,674 for full coverage. Fargo drivers, however, can expect to pay an average of just $ 1,085 for full coverage and $ 321 for state-required minimum coverage. Cass County saw 2,062 accidents in 2020, therefore, it is vital for residents to find the best auto insurance in Fargo.

In our search for the cheapest car insurance in Fargo, we first looked at the price. We also assessed other quality criteria, such as customer service, financial stability and the extent of coverage options and discounts. We found five companies that excel in all of these areas.

Best Auto Insurance Companies in Fargo

Our top five picks are Auto-Owners, Geico, Nodak, State Farm, and USAA. All of them were chosen because they have competitive rates as well as highly regarded customer service, as judged by the JD Power 2020 Ranking of the customer satisfaction index for the North Dakota region. They all offer a good range of coverage options and discounts to help you lower your premium costs.

Insurance company JD Power Score Average annual premium for minimum coverage Average annual premium for full coverage
Automobile owners 868/1000 $ 319 $ 1,109
Geico 855/1000 $ 270 $ 824
Nodak N / A $ 204 $ 882
State farm 849/1000 $ 348 $ 976
United States of America* 905/1000 $ 215 $ 804

Automobile owners

Auto owners have a lower minimum coverage rate than the average cost of auto insurance in Fargo. It also ranks at the top of JD Power’s list, which is based on customer satisfaction ratings of thousands of policyholders.

In addition to the standard liability coverage options, you can customize your auto insurance policy with loan / lease spread, roadside assistance, and more. The benefits include a waived collision deductible if you are in an accident with another company insured vehicle. 13 generous discounts can help you lower your rate even further, including a green discount for paperless billing.


Geico, which promises to save you 15% in 15 minutes, has offered us some of our lowest prices. The average of $ 824 for full coverage comes down to less than $ 70 per month, making it one of the companies with the cheapest auto insurance from Fargo.

While Geico has fewer ways to customize your quote than some of our other picks, if you’re looking for an inexpensive policy with solid coverage, this company may be a good option. It also offers a number of discounts and is particularly good with discounts for military personnel, senior drivers, and members of over 500 groups and organizations.


Nodak is a regional company that sells insurance only in North Dakota. Its more than 70 salespeople have a working knowledge of the needs of North Dakota drivers, and because it is a small business with less overhead, it can pass those savings on to its policyholder by offering lower rates.

Nodak doesn’t have the policy extras offered by some of the larger companies, but it does offer all the coverage you need for minimum or full insurance, as well as uninsured / underinsured motorist insurance and premium insurance. new car replacement. It offers generous discounts, including a 25% discount for children of policyholders when they buy their first car and a wiping deductible that decreases by $ 150 each year without loss.

State farm

State Farm is the largest auto insurer in the United States and has the bandwidth to be able to sell strong policies to residents of Fargo. The company scores above the regional average with JD Power and has an A ++ – the highest possible rating – from AM Best, which measures financial stability and strength.

State Farm’s low rates can be even lower if you take advantage of the company’s 13 discounts for auto insurance in Fargo. It offers additional coverages like carpooling insurance and car rental coverage, and has a state-of-the-art website that makes it easy to manage your insurance business online.

United States

The USA’s low rates and exceptional customer service rankings make it a great choice for Fargo residents. The only reason it’s not at the top of our list is because the company only sells policies to servicemen, veterans, and their families. If you fit this demographic, USAA should be one of your first stops when looking for auto insurance quotes in Fargo.

The policies of the USAA are geared towards the military. For example, you can get a rebate by parking your car at a military installation. It also offers discounts for good driving habits, car reunification with owners and more. If you are deployed, you may be able to save up to 60% on the cost of your policy.

The cheapest car insurance in Fargo

The cost of auto insurance varies widely depending on where you live, as well as many other factors. In North Dakota, it is inexpensive compared to the national annual average in the United States. The state average for full coverage is $ 1,264, compared to the national average of $ 1,674. The best auto insurance companies in Fargo may be able to offer you a rate even below this average.

We have highlighted the cheapest auto insurance in Fargo in the table below. Two of those companies, USAA and Geico, are also on our top list above. Farmers, American Family, and Nationwide are also writing low-cost policies in the area, but they don’t score as high on JD Power’s customer satisfaction rankings. Farmer’s average minimum coverage rate is one of the lowest we’ve received, while American Family’s average full coverage rate was the lowest of any company we looked at.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
United States $ 215 $ 804
Farmers $ 216 $ 815
american family $ 267 $ 703
Geico $ 270 $ 824
At national scale $ 288 $ 880

Fargo Insurance Requirements

Like almost all states in the United States, North Dakota requires its drivers to have auto insurance. Your minimum requirements are as follows:

  • $ 25,000 per person / $ 50,000 per bodily injury liability accident
  • $ 25,000 per civil liability accident for property damage
  • $ 25,000 per person / $ 50,000 per Uninsured / Underinsured Motorist Coverage Accident
  • $ 30,000 Injury Protection (PIP)

If you have a leased car or a car loan, your lender may require additional coverage – most often collision and comprehensive – that covers damage to your vehicle in an accident.

In addition, most insurance experts recommend that you buy more than the minimum required, as a serious accident can result in a high level of financial liability, and you are personally responsible for paying any exceeding the amount of your insurance limits. .

Auto Insurance Discounts in Fargo

Almost all insurers offer discounts that can lower your premiums if you qualify. Some of the most common auto insurance discounts at Fargo include:

  • Defensive driving: A simple defensive driving course, which you can even take online, can save you 5% or more.
  • Grouping: If you use the same insurer for your auto as well as your home, tenant, condo, or life insurance policy, you should be able to save money on your premiums.
  • Airbags: Since 1993, cars must be equipped with airbags. You may be able to receive a discount for having them on your vehicle.
  • Telematics: More and more insurers are using telematics, which requires the installation of an application on your smartphone to obtain real-time information on your driving habits. Safe driving skills may give you a discount.
  • Good student: If your young driver earns a certain GPA, he may earn you a discount. You can also earn one if they are in school.

Frequently Asked Questions

What is the best auto insurance company?

To find the best auto insurance company, you need to get multiple quotes, to see which prices will work best for you. The best car insurance in Fargo for your neighbor may not be the best for you. To begin your research, take a look at the companies on our Top Auto Insurance Companies of 2022 page.

How much does auto insurance cost in Fargo?

The average annual cost of auto insurance in Fargo is $ 321 for minimum coverage and $ 1,085 for full coverage. Your own premium rate is based on factors unique to you, including the make, model, and age of your car, as well as your age, marital status, and credit rating.

How much auto insurance do I need in Fargo?

You must have at least 25/50/25 liability, as well as uninsured / underinsured motorist coverage and PIP. But if you can afford it, insurance experts recommend buying more than the minimum so that you are adequately covered in the event of a serious accident.


Bankrate uses Quadrant Information Services to analyze 2021 rates for all zip codes and carriers in all 50 states and Washington, DC Rates shown are based on a 40 year old male and female driver with a clean driving record , good credit and the following comprehensive coverage limits:

  • $ 100,000 of civil liability for bodily injury per person
  • $ 300,000 liability for bodily injury per accident
  • Civil liability for property damage of $ 50,000 per accident
  • $ 100,000 in bodily injury caused by an uninsured motorist per person
  • $ 300,000 in uninsured bodily injury per accident to a motorist
  • $ 500 collision deductible
  • Global deductible of $ 500

To determine the minimum coverage limits, Bankrate used minimum coverage that meets the requirements of each state. Our sample drivers own a 2019 Toyota Camry, commute five days a week, and travel 12,000 miles a year.

These are sample rates and should only be used for comparison purposes. Your quotes may be different.

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