Fargo, ND Car Insurance

Find out how to find affordable auto insurance in Fargo, North Dakota.

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How much does car insurance cost in Fargo?

 

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 AUTO INSURANCE RATES
Fargo Average (annual)North Dakota AverageNational Average
$1,237$1,379$1,548
 
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Fargo auto insurance premiums by insurer

 

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.

 
FARGO AUTO INSURANCE RATES BY COMPANY
InsurerAverage 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.

 

Fargo auto insurance rates by age

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.

 
FARGO CAR INSURANCE RATES BY DRIVER AGE
Age tierAverage 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.

 

Fargo car insurance rates by marital status and gender

 

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.

 
FARGO CAR INSURANCE RATES: BY MARITAL STATUS AND GENDER
Marital Status/GenderAverage 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.

 

Fargo auto insurance costs by accident and citation history

 

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.

 
FARGO CAR INSURANCE RATES AFTER A COLLISION OR CITATION
ViolationAverage 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.

 

Fargo car insurance rates by credit level

 

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.

 
FARGO CAR INSURANCE PREMIUMS BY CREDIT SCORE
Credit ScoreAverage 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.

 

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Ava Lynch LinkedIn

Ava worked in the insurance industry as an agent for four-plus years. Currently providing insights and analysis as one of The Zebra’s resident property insurance experts, Ava has been featured in publications such as U.S. News & World Report, GasBuddy, and Yahoo! Finance.