openrate index
Log in Create account
open/ ND/ fargo

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, Fair 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 37% less than the national baseline we track.

What do you pay now?
#InsurerPosition in spreadMonthly
01 Auto-OwnersFiled rate, credit/record adjusted $60.76
02 USAAFiled rate, credit/record adjusted $62.00
03 State FarmFiled rate, credit/record adjusted $62.00
04 American FamilyFiled rate, credit/record adjusted $81.84
05 GEICOFiled rate, credit/record adjusted $121.52
06 National GeneralFiled rate, credit/record adjusted $126.48
07 AllstateFiled rate, credit/record adjusted $127.72
08 FarmersFiled rate, credit/record adjusted $131.44
09 State AutoFiled rate, credit/record adjusted $143.84
10 Direct AutoFiled rate, credit/record adjusted $156.24
11 RootFiled rate, credit/record adjusted $164.92
12 SafecoFiled rate, credit/record adjusted $167.40
13 Bristol WestFiled rate, credit/record adjusted $181.04
14 The GeneralFiled rate, credit/record adjusted $248.00
Rate explainer
Why is your best rate $60.76 and not $209.31?

Fargo is priced against 14 insurers for the 25-55 driver, Full coverage, Fair 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, Fair (modeled) +$25.37
Driving record, Clean (modeled) +$0.00
Refine my profile Create account to save
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.