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Ava Lynch

Insurance Analyst

  • 7+ years of Experience in the Insurance Industry

Ava joined The Zebra as a writer and licensed insurance agent in 2016. She now works as a senior insurance contributor, providing insights and data a…

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Kristine Lee

Insurance Analyst

  • Licensed Insurance Agent — Property and Casualty
  • 4+ years of Experience in the Insurance Industry

Kristine is a licensed insurance agent who joined The Zebra in 2019 as an in-house content researcher and writer. Before joining The Zebra, she was a…

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 Average (annual) North Dakota Average National 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.

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.


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.

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.


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.

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.


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.

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.


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.

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.


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About The Zebra

The Zebra is not an insurance company. We publish data-backed, expert-reviewed resources to help consumers make more informed insurance decisions.

  • The Zebra’s insurance content is written and reviewed for accuracy by licensed insurance agents.
  • The Zebra’s insurance editorial content is not subject to review or alteration by insurance companies or partners.
  • The Zebra’s editorial team operates independently of the company’s partnerships and commercialization interests, publishing unbiased information for consumer benefit.
  • The auto insurance rates published on The Zebra’s pages are based on a comprehensive analysis of car insurance pricing data, evaluating more than 83 million insurance rates from across the United States.