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Cheapest car insurance in Fargo, North Dakota

North Dakota requires minimum liability coverage of 25/50/25, plus $30,000 PIP and uninsured motorist coverage. Rates below are monthly estimates for the 25-55 driver, Full coverage, Good credit bracket.

Filed per-carrier data
Methodology → All of North Dakota →

Pulled directly from carrier rate filings for this city.

Fargo is a smaller market, 125,990 residents, so filed data can take longer to catch up when a carrier changes pricing. The spread here is wide, 76% between the cheapest and priciest insurer we track, which is exactly the kind of gap a flat citywide average would hide. On average, drivers here pay about 27% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Auto-OwnersFiled rate, credit/record adjusted $70.56
02 USAAFiled rate, credit/record adjusted $72.00
03 State FarmFiled rate, credit/record adjusted $72.00
04 American FamilyFiled rate, credit/record adjusted $95.04
05 GEICOFiled rate, credit/record adjusted $141.12
06 National GeneralFiled rate, credit/record adjusted $146.88
07 AllstateFiled rate, credit/record adjusted $148.32
08 FarmersFiled rate, credit/record adjusted $152.64
09 State AutoFiled rate, credit/record adjusted $167.04
10 Direct AutoFiled rate, credit/record adjusted $181.44
11 RootFiled rate, credit/record adjusted $191.52
12 SafecoFiled rate, credit/record adjusted $194.40
13 Bristol WestFiled rate, credit/record adjusted $210.24
14 The GeneralFiled rate, credit/record adjusted $288.00
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Rate explainer
Why is your best rate $70.56 and not $209.31?

Fargo is priced against 14 insurers for the 25-55 driver, Full coverage, Good credit bracket. Below is every step from the national baseline to your best filed rate.

City vs national baseline, adult/full $-103.60
Age bracket, 25-55 +$0.00
Coverage, Full coverage +$0.00
Credit tier, Good (modeled) +$0.00
Driving record, At-fault crash (modeled) +$46.51
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What if
What would change your rate here?

Based on the modeled credit/record adjustment on top of this city's filed 25-55 driver, Full coverage, Good credit base rate. Not a quote.

About these numbers

Rows marked filed come from a per-carrier, per-city import. Rows marked state-average estimate are built by spreading a statewide average across insurers until real per-city data is imported. Credit tier and driving record are always modeled adjustments, never filed. Your real premium depends on your record, exact address and chosen limits.