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Cheap Car Insurance in Fargo, ND

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Everything to Know About Car Insurance in North Dakota

Fargo, North Dakota, is the largest city in the state, with just over 125,000 residents. It shares a metro area with its twin city Moorhead, which is just across the state line in Minnesota. The city was founded in 1871, and it has become one of the cultural centers of southeastern North Dakota.

Fargo is home to North Dakota State University, which is the second-largest employer in the area. The area is known for its cold weather, and Fargo is considered to be the coldest city in the continental 48 states. In January, the mean temperate is a chilly nine degrees. Fargo also has several art and history museums that are a highlight for many visitors. If you live or plan to travel to Fargo, it is a good idea to learn everything about car insurance in North Dakota.

How Much Does Car Insurance Cost in Fargo, ND?

In Fargo, you are likely to face an average monthly premium of $95 for full coverage car insurance. This rate is substantially lower than the national average for full coverage insurance of $148. The least expensive type of auto coverage in Fargo, ND, is the state-required minimum coverage. This minimum coverage will usually run you around $45 per month. This is similar to the national average of $47 monthly.

Carrying the minimum coverage allowed by law might be appealing on the surface. However, this low level of insurance coverage can also put you at risk if you are in an accident. Since North Dakota is a no-fault state, it is important to remember your coverage limits are all your insurer will pay for your injuries and damages.

Getting a Free Auto Insurance quote with Freeway is easy!

What Does No-Fault State Mean?

A no-fault state is one where your liability coverage helps pay for your injuries and damages, regardless of who causes an accident. In many no-fault states, you are also required to carry some form of medical protection, such as Personal Injury Protection (PIP), and uninsured motorist coverage (UM), along with your bodily injury/death liability and property damage liability.

In most no-fault states, this equates to a higher than average policy cost. However, North Dakota remains quite affordable, possibly due to lower population numbers on the roads, leading to less accidents and claims.

Affordable Car Insurance Rates Comparison by Cities in North Dakota.

See our list below to learn more about average monthly car insurance prices in cities near Fargo:

City Full Coverage Insurance Liability Insurance Coverage
Fargo $95 $45
Bismarck $108 $31
Dickinson $110 $43
Grand Forks $96 $31
Minot $96 $31
Williston $14 $30

Affordable Car Insurance Rates by Zip Code in Fargo, ND

Accidents and auto crime occur more often in some area codes than others. For that reason, living in certain ZIP codes could result in higher premiums. The more accidents and crime that occur in your ZIP code, the higher the cost of car insurance.

See our list below for average monthly car insurance prices by zip code in Fargo:

Zip Code Full Coverage Insurance Liability Insurance Coverage
58102 $95 $45
58103 $95 $31
38104 $95 $31
58126 $99 $32
58121 $99 $32

Low-Cost Car Insurance Rates by Age in Fargo, ND

It is worth noting that car insurance companies are allowed to vary premium rates by the age of their insured drivers. In general, younger drivers will pay more due to a collective tendency for accidents and claims. As you get older, your rates will drop before eventually rising again in your 70s.

See our list below for average monthly car insurance prices by age in Fargo:

Age Full Coverage Insurance Liability Insurance Coverage
Teenagers $344 $156
20s $234 $111
30s $137 $54
40s $115 $49
50s $98 $42
60s $94 $41
70s $100 $46

When determining the cost of car insurance, we use a set methodology to ensure our results are meaningful. We use the following methodology to arrive at our average cost: male driver, age 30, seeking the lowest possible legal coverage allowed by North Dakota law. Your insurance premiums are based on different factors like your age, your gender, your claims history, and the extent of the insurance coverage you opt to purchase.

Driving Conditions in Fargo, ND

How Many Fatal Accidents Happen in Fargo?

The number of fatal accidents each year in Fargo, ND, remains in the single digits. In 2021, the city saw six fatal car accidents. That was the same number as in 2020, but there were only three fatal traffic accidents in 2019.

How Are the Road Infrastructure and Bridges in Fargo, ND?

In Fargo, road infrastructure is handled by road design, and repair is handled by the city public works department. This section of the city government deals with street repair and paving projects. Infrastructure for nearby highways is handled by the North Dakota Department of Transportation.

Minimum Car Insurance Requirements in Fargo, North Dakota

North Dakota—like every other state—requires some type of proof from drivers that they are financially responsible if they cause an accident. In Fargo, this generally involves carrying a minimum level of liability insurance. The state requires both bodily injury and property damage liability insurance coverage for drivers. The minimum liability coverage required by law includes:

  • Bodily injury liability coverage: $25,000 per person
  • Bodily injury liability coverage: $50,000 per accident
  • Property damage liability coverage: $25,000 per person
  • Uninsured motorist coverage: $25,000/$50,000
  • Personal Injury Protection: $30,000 

It is helpful to remember that the government only has minimum requirements. You have the opportunity to purchase additional insurance above that amount if it meets your needs.

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What Are the Penalties for Driving Without Insurance in Fargo, ND?

The penalties for driving without insurance in Fargo vary depending on your number of previous convictions. A first offense primarily carries a fine of up to $1,000. However, there are steeper penalties for second and subsequent offenses. These include:

  • Up to 30 days in jail
  • Maximum fine of $1,500
  • License suspension
  • Removal of plates
  • Mandatory SR-22 coverage

Once you are required to file for an SR-22 certificate, you may earn the designation of a high-risk driver. An SR-22 requirement tells insurance companies you have engaged in risky behavior behind the wheel, which to them means an increased possibility of claims being filed. In turn, your premiums may double or even triple afterwards – and some insurers won’t even give you insurance.

Car Insurance Factors Allowed in Fargo, ND

Insurance companies that offer coverage in North Dakota may use different factors when setting policy premiums. Some of these factors include the following:

  • Zip code
  • Age 
  • Marital status
  • Gender
  • Credit rating
  • Type of vehicle

What’s The Best Insurance for Teenagers and Their Families in Fargo?

Due to the high risk that comes with a teenager getting behind the wheel, it is a good idea for families to consider full coverage. The minimum amount of liability coverage might not be enough to pay for damages if a teenager gets in an accident. This says nothing of the family’s expenses related to the collision.

The sudden and unexpected costs associated with an accident could place a teenager in a deep financial bind early on in life. It is easier to plan and budget for a higher monthly premium payment than it is a surprise bill following a major accident.

Meanwhile, there are ways to help make the impact of a young driver less on the family budget. Get them on your plan, rather than having one of their own. Ask about discounts, particularly a good student discount. Also, if you are considering getting them a car, make sure you buy one that is known for safety and reliability.

Discounts for Car Insurance in Fargo, ND

While the cost of auto insurance can be concerning for many people, the good news is that there are ways to drive that cost down. This primarily comes through a series of discounts. Some of the car insurance discounts that might be available to you include the following:

Another easy way to save money with Freeway Insurance is by purchasing multiple types of policies. For example, you could get a discount on your auto insurance if you also obtain your home insurance from Freeway.


Get an Online Quote for Low-Cost Car Insurance in Fargo, ND Today!

Aerial View of Fargo Skyline at Dusk

That wraps up this guide to car insurance in Fargo. If you are looking for great coverage at cheap rates, Freeway Insurance is ready to help you review your options.

Now is the right time to call about a quote. You can contact us online for a quote or call us at (800) 777-5620 at your convenience.