Find out how to find affordable auto insurance in Fargo, North Dakota.
The typical Fargo driver pays $1,237 per year for car insurance. That's cheaper than the statewide average in North Dakota ($1,379) and less expensive than the national average of $1,548. Keep reading to learn more about how much you can expect to pay based on your marital status, age, credit score, and other factors in Fargo.
| Fargo Average (annual) | North Dakota Average | National Average |
| $1,237 | $1,379 | $1,548 |
The difference in auto insurance rates from company to company can be substantial. For a typical driver, Nodak offers Fargo's most affordable premiums. See below the best companies for cheap auto insurance in Fargo — but don't forget to get personalized car insurance quotes to match your driving profile.
| Insurer | Average Yearly Rate |
| Nodak | $624 |
| State Farm | $868 |
| American Family | $1,035 |
| North Star | $1,194 |
| Progressive | $1,195 |
Check out our guide to learn how to find the best cheap car insurance.
The age group that enjoys the lowest auto insurance rates in Fargo are drivers in their 50s, who pay an average of $1,068 per year. Drivers in their 60s pay marginally higher rates — $1,091 per year.
The Fargo drivers who pay the highest insurance rates are teenagers. One of the easiest ways to lower your car insurance rates as a driver in Fargo is to age out of your teenage years. The cost differential between the auto insurance rates paid by teenage drivers and drivers in their 20s in Fargo is $3,036, the largest such difference between any two age groups.
| Age tier | Average Annual Rate |
| Teenagers | $4,679 |
| 20s | $1,643 |
| 30s | $1,216 |
| 40s | $1,155 |
| 50s | $1,068 |
| 60s | $1,091 |
| 70s | $1,321 |
Learn more about the impact of age on auto insurance rates.
In some cases, a driver's gender and marital status may influence the car insurance rates they pay. Married drivers usually pay less for car insurance than their single counterparts. In Fargo, married motorists pay $109 less than single drivers for auto insurance. Rates for those who are widowed are also much cheaper than rates for those who are single. Interestingly enough, in Fargo, widowed drivers pay less than those who are single.
Another component of auto insurance pricing is gender. In Fargo, female drivers pay $4 per year more than do male drivers for car insurance.
| Marital Status/Gender | Average Yearly Rate |
| Female | $1,241 |
| Male | $1,237 |
| Single | $1,129 |
| Married | $1,129 |
| Divorced | $1,237 |
| Widowed | $1,191 |
Read more about the relationships between gender, marital status and insurance rates.
If you want to keep your car insurance costs reasonable, keep your driving record clean. Speeding tickets, reckless driving citations, DUIs and DWIs, and at-fault accidents all can trigger insurance rate hikes.
Two of the most expensive driving violations from an insurance perspective are reckless driving and DUI. In Fargo, a reckless driving citation results in an average insurance rate increase of $660 per year, compared to the citywide average. For comparison's sake, a DUI offense results in a $630 increase, and a speeding ticket triggers a $266 rate hike.
| Violation | Average Annual Rate |
| DUI/DWI | $1,867 |
| Reckless Driving | $1,898 |
| At-fault Accident (damages < $1,000) | $1,626 |
| At-fault Accident (damages greater than $2,000) | $1,678 |
| Speeding Ticket (16-20 mph over speed limit) | $1,504 |
Learn more about the impact of driving violations on car insurance rates.
One of the byproducts of a good credit score is lower car insurance costs. Drivers who keep their credit score up typically pay less for auto insurance than do drivers with less-than-stellar credit histories. In Fargo, an improvement in credit score from the "Very Poor" tier (300-579) to the "Exceptional" tier (800-850) corresponds to a 57% drop in car insurance costs. Moving into the "Fair" credit tier from the "Very Poor" level is one of the most impactful steps a driver can take in pursuit of better car insurance rates. In Fargo, improving your credit to "Fair" corresponds with an $840 decrease in annual car insurance rates.
| Credit Score | Average Annual Rate |
| Very Poor | $2,298 |
| Fair | $1,458 |
| Good | $1,237 |
| Very Good | $1,120 |
| Exceptional | $987 |
Get additional information on how credit impacts car insurance costs.
