Fargo Car Insurance

Your Complete Car Insurance Guide for Fargo

Find the right car insurance policy for you.


Fargo accounts for over 15% of North Dakota’s population. It is the cultural, educational, health care, and economic center for North Dakota and northwestern Minnesota, and is home to North Dakota State University.

With so much going on in Fargo, the roads are sure to get busy and dangerous. A Fargo car insurance policy protects you and your family from the risks you face on the road. 

Trusted Choice® Independent Insurance Agents can assess the unique risks you face as a North Dakota driver and Fargo resident. Local, friendly agents can find Fargo auto insurance that meets your needs and doesn’t break the bank. 

Use our independent agent matching system to find the best insurance plan in your area. You tell us what you’re looking for, and our technology will recommend the best agents for you. Any information you provide will be sent to only the agents you pick. We do not sell to third parties.


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Cost of Car Insurance in Fargo

Did you know? The average cost of Fargo car insurance is $177 per month.

Fargo car insurance may seem expensive, but no one should overpay for car insurance. If you shop around, you might find rates that better fit your budget.

Before you shop, you should know that the cost of car insurance is based on your personal characteristics, such as where you live, the make and model of your car, and how far you drive to work or school every day. 

With the help of a Trusted Choice independent insurance agent, you can review quotes from multiple insurance companies to be sure you are betting the best deal. 

Fargo Car Insurance Requirements

  • Bodily Injury Liability: $25,000 per person, $50,000 per accident required
  • Property Damage Liability: $25,000 required
  • Personal Injury Protection (PIP): $30,000 required

Your Fargo auto insurance policy pays for vehicle damage and medical bills if you are at fault for an accident. 

Most drivers should consider buying more than the minimum liability coverage required by the state.

Before you decide how much coverage you need, here’s some things that Fargo auto insurance can do for you if you are in a serious crash. 

Who Pays If the Accident Wasn’t My Fault?

The driver who caused the accident, of course. Unfortunately, approximately  5.9% of drivers in North Dakota  are uninsured. If an uninsured driver causes an accident, the other driver is on the hook for the damage. That’s why you need “uninsured motorist coverage.” This insurance coverage will pay to fix your damaged car and handle your medical bills if a driver who does not have insurance hits you.North Dakota requires all drivers to have a minimum amount of uninsured motorist coverage. 

What Affects The Cost of Fargo Car Insurance?

Monthly auto insurance premiums vary greatly, so don’t expect to pay the same as your neighbor. While where you live plays a role in the cost of your Fargo auto insurance policy, insurance companies also consider: 

  • Your age
  • Where you live
  • Your driving history
  • The kind of car you drive
  • The number of cars and drivers in your household

The type of car you drive is one of the key factors in determining your car insurance premium. If you drive a powerful muscle car, expect to pay more than your neighbor who drives a used minivan. 

Any car that is more likely to get into an accident or is more expensive to repair or replace will cost more to insure. 

Commute Time

Simply put, the more time you spend on the roads, the more likely it is that you'll be in an accident. 

Fargo drivers spend far less time on the road than most, which can help keep insurance rates relatively low.

  • National Average: 25.4 minutes
  • Fargo Average: 15 minutes

Number of Auto Thefts in Fargo

  • National number of thefts for 1,000 vehicles: 2.94 
  • Number of thefts for 1,000 vehicles in Albany: 2.24 

You may think your neighborhood is safe, but car theft happens everywhere. And thefts and break-ins can be big financial burdens when you have to fix broken windows and replace stolen personal property. 

You can sleep easy if you have a Fargo car insurance policy. You'll receive timely assistance and compensation so you can get back on the road with confidence.


Save on Car Insurance

Our independent agents shop around to find you the best coverage.

Find Affordable Car Insurance in Fargo

No matter where you live or what kind of car you drive, you can find affordable Fargo car insurance with the help of a Trusted Choice insurance agent. 

Our agents are not tied down to one carrier. They will get to know you, assess your risks, and find quotes from multiple insurance companies. You can choose the option that best fits your needs and budget, and gives you peace of mind. 

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