Car Insurance in Fargo, North Dakota
Estimated full coverage in Fargo runs about $1,175 a year ($98/month) — ▲ +14% versus the North Dakota average, ranking 2nd most expensive of the 8 North Dakota cities we cover.
Why car insurance in Fargo costs more than the North Dakota average
Insurers price by territory, and Fargo's numbers explain most of the gap. With 136,285 residents on 51.5 square miles, the city's density (2,647 people per square mile) is 13.7 times the density where the typical North Dakota resident lives (193). The average commute is 15.5 minutes (North Dakota: 17.9), and 77% of workers drive alone. Together these put our location factor at 1.13× the state baseline for liability and collision, and 1.17× for comprehensive once FEMA weather risk for Cass County is included.
| Factor | Fargo | North Dakota ref. | Why it matters |
|---|---|---|---|
| Population density | 2,647 / sq mi | 193 / sq mi | More vehicles per mile of road means more fender-benders and claims. |
| Average commute | 15.5 min | 17.9 min | Longer daily drives add exposure to crashes. |
| Commutes over 60 min | 2.7% | — | Long highway commutes raise mileage-based risk. |
| Drive alone to work | 76.7% | — | Share of workers commuting by car. |
| Public transit to work | 0.6% | — | Transit use lowers how much residents drive. |
| Work from home | 9.8% | — | Remote workers may qualify for low-mileage pricing. |
| Households without a car | 8.3% | — | Context for non-owner and occasional-driver policies. |
| Weather hazard score (FEMA) | 91.3 | 77.5 | Hail, wind, flood and hurricane exposure drive comprehensive claims. |
Car insurance cost by ZIP code in Fargo
Rates can change from one ZIP code to the next. Across 4 Fargo ZIP codes, our full-coverage estimate ranges from $1,125 in 58102 to $1,255 in 58105. Denser, longer-commute neighborhoods estimate higher. Click a column to sort.
| ZIP | Population | Density / sq mi | Commute | No car | Est. full / yr | vs. city |
|---|---|---|---|---|---|---|
| 58104 | 49,168 | 1,753 | 16.2 min | 4.8% | $1,160 | −1% |
| 58103 | 48,796 | 4,260 | 14.9 min | 9.7% | $1,200 | +2% |
| 58102 | 32,912 | 1,040 | 15.5 min | 11.0% | $1,125 | −4% |
| 58105 | 2,825 | 11,870 | 14.1 min | 0.0% | $1,255 | +7% |
Minimum car insurance in Fargo
Fargo drivers follow North Dakota's rules: at least 25/50/25 liability coverage, personal injury protection, and uninsured motorist coverage. North Dakota is no-fault. We estimate state-minimum coverage in Fargo at $310 a year, and $455 for 100/300/100 limits.
| Coverage | Required? | Minimum | What it pays for |
|---|---|---|---|
| Bodily injury liability | Yes | $25,000 per person / $50,000 per accident | Injuries you cause to other people |
| Property damage liability | Yes | $25,000 | Damage you cause to other vehicles and property |
| Personal injury protection (PIP) | Yes | $30,000 Basic no-fault (PIP) benefits of $30,000 per person are required for economic losses such as medical expenses and lost work. | Your own medical bills and lost wages, regardless of fault |
| Uninsured motorist (UM) | Yes | 25/50 Uninsured motorist bodily injury coverage of at least 25/50 is required. | Your injuries when the at-fault driver has no insurance |
| Underinsured motorist (UIM) | Yes | 25/50 Underinsured motorist coverage equal to the uninsured motorist coverage is required. | The gap when the at-fault driver’s limits are too low |
| Medical payments (MedPay) | No | — Medical expenses are covered through required no-fault coverage. | Medical bills for you and your passengers |
Risk factors that shape Fargo premiums
Accidents
North Dakota recorded 90 traffic deaths, or 0.90 per 100 million vehicle miles (U.S.: 1.19), in the latest full year of federal crash data. Local crash frequency is folded into our density and commute factors.
Vehicle theft
North Dakota's vehicle theft rate is 154 per 100,000 residents (U.S.: 197). The most-stolen vehicle in the state is the Chevrolet Pickup (Full Size) (NICB). Theft losses are paid by comprehensive coverage.
Weather
FEMA rates Cass County as relatively high for hail, relatively moderate for inland flooding and very high for strong wind.
Traffic & commuting
2.7% of Fargo commuters spend an hour or more getting to work, and there are 1.61 vehicles per household. 9.8% work from home — worth mentioning to insurers that offer low-mileage pricing.
| Hazard | Risk rating | Score (0–100) | Insurance impact |
|---|---|---|---|
| Hail | 96.8 | Comprehensive (car); roof claims (home) | |
| Tornado | 89.7 | Comprehensive; dwelling | |
| Hurricane | — | Comprehensive; wind/hurricane deductibles (home) | |
| Inland (river) flooding | 80.6 | Comprehensive; home needs a separate flood policy | |
| Coastal flooding | — | Comprehensive; home needs a separate flood policy | |
| Strong wind | 98.3 | Comprehensive; dwelling | |
| Winter weather | 99.6 | Collision (icy roads); frozen pipes (home) |
Scores are national percentiles of FEMA's county risk (higher means more expected loss than most other U.S. counties).
Estimated car insurance in Fargo by driver profile
A clean-record driver in their 50s pays the least in our Fargo model (about $1,080 for full coverage); an 18-year-old on their own policy pays about $3,235, and a DUI pushes a 30-something to $2,175.
| Driver | Minimum | Standard | Full coverage | Full / month |
|---|---|---|---|---|
| Teen driver (18, own policy) | $860 | $1,245 | $3,235 | $270 |
| Young adult (22) | $500 | $725 | $1,880 | $157 |
| Adult in their 30s | $310 | $455 | $1,175 | $98 |
| Adult in their 50s | $285 | $415 | $1,080 | $90 |
| Senior (72) | $350 | $505 | $1,320 | $110 |
| 30s, one at-fault accident | $455 | $655 | $1,705 | $142 |
| 30s, DUI on record | $580 | $835 | $2,175 | $181 |
Minimum vs. standard vs. full coverage in Fargo
| Coverage level | What it includes | Per year | Per month | Typical range |
|---|---|---|---|---|
| State minimum liability | Only the liability (and PIP/UM where required) limits your state mandates. No coverage for your own car. | $310 | $26 | $255–$370 |
| Standard liability (100/300/100) | Higher liability limits plus uninsured motorist coverage. Still no coverage for damage to your own car. | $455 | $38 | $370–$535 |
| Full coverage | Standard liability plus collision and comprehensive, typically required on a financed or leased car. | $1,175 | $98 | $965–$1,390 |
Estimate your premium in Fargo
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Cheap car insurance in Fargo: how to lower your rate
The cheapest policy is the one that fits your situation. These levers are priced with Fargo's own numbers:
| Change | Est. yearly savings | Good fit if… |
|---|---|---|
| Raise collision/comprehensive deductible from $500 to $1,000 | $100 | You have savings to cover a bigger out-of-pocket repair. |
| Low-mileage / usage-based pricing (under 7,500 mi) | $80 | You're among the 9.8% of Fargo workers who work from home, or you rarely drive. |
| Drop collision & comprehensive on an older car | $395 | The car is paid off and worth little more than a year of premiums. |
| Standard (100/300/100) instead of full coverage | $720 | No loan or lease requires physical-damage coverage. |
| Avoid one speeding ticket | $260 | Everyone — violations typically affect rates for three to five years. |
Also ask about bundling, good-student, paid-in-full and defensive-driving discounts, and re-shop at every renewal — the same driver can be priced very differently by different insurers. We don't recommend specific companies. Common car insurance discounts.
Comparing car insurance quotes in Fargo
- Use identical limits and deductibles on every quote — e.g. 100/300/100 liability with $1,000 deductibles — or prices aren't comparable.
- Get quotes from different channels: captive agents, independent agents who quote several insurers, and direct online insurers. There are 30 offices listed below.
- Check complaint records with the North Dakota Insurance and Securities Department (complaint information) before you buy.
- Mention your ZIP code accurately — within Fargo, our estimates differ by up to $130 a year between neighborhoods.
Car insurance agents near Fargo, ND
We found 30 insurance offices within about 5 miles of central Fargo, from open map data. Hover over a listing to show it on the map, click it to open the address in Google Maps, or tap it on a phone to start navigation. We don't sell insurance, rate these offices or receive anything from them.
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Tyson Terhark - Farmers Insurance
3309 Fiechtner Dr S, Fargo, ND 58103 -
Bruce Karevold - American Family Insurance
1330 Page Dr S, Ste 103, Fargo, ND 58103 -
Derek Christopherson - State Farm
3535 Main Avenue NE Corner of I29 & Main Avenue, Fargo, ND 58103 -
Yahnke Insurance Agency
1704 Main Avenue, Fargo, ND -
Insurance Center
ND -
Dawson Insurance
ND -
State Farm
ND -
Warner and Company Insurance
318 North Broadway Drive, , ND -
Fredrick Hage - Allstate
2619 University Dr S, Fargo, ND 58103 -
Dj Colter Agency Inc
4215 31st Ave S, Ste B, Fargo, ND 58104 -
Jeremiah Livingston - American Family Insurance
2842 University Dr S, Fargo, ND 58103 -
Ken Kraft Agency Inc
3120 15th St S, Fargo, ND 58103 -
Ostby & Associates, Inc
16 4th St S, Moorhead, MN 56560 -
Chris Heise Agency Inc
722 13th Ave E, West Fargo, ND 58078 -
Christine Rasmussen Agency, Inc.
419 8th St S, Moorhead, MN 56560 -
Amanda Nelson - State Farm
600 8th Street S, Suite 100, Moorhead, MN 56560 -
Green & Associates LLC
3575 45th St S, Ste 110, Fargo, ND 58104 -
Renee Forde - State Farm
3139 BlueStem Dr, Ste 104, West Fargo, ND 58078 -
Braeton Isaac Motschenbacher - Farmers Insurance
3403 8th St S, #1, Moorhead, MN 56560 -
Fredrick Hage - Allstate
3163 Bluestem Dr, Ste 105, West Fargo, ND 58078 -
Ryan Kill - State Farm
ND -
Dustin Lee Alfson - Farmers Insurance
4040 42nd St S, Fargo, ND 58104 -
Zak Irsfeld - State Farm
4201 38th Street S, Suite 208, Fargo, ND 58104 -
Auto-Owners Insurance
ND -
Todd Vanyo - State Farm
4675 40th Avenue S, Suite 140, Fargo, ND 58104 -
Ryan Kill - State Farm
540 Oak Ridge Way E, West Fargo, ND 58078 -
Brent Berg Agency Inc
2912 15th St S, Moorhead, MN 56560 -
Donald Zerr - Farmers Insurance
3969 51st St S, Fargo, ND 58104 -
Mike Webb Insurance Agency, LLC
6050 36th St S, Fargo, ND 58104 -
Farm Bureau Financial Services
1710 West Center Avenue, #126, Dilworth, MN 56529
Map © Google. Office list: © OpenStreetMap contributors (ODbL 1.0) - https://www.openstreetmap.org/copyright; All The Places (alltheplaces.xyz), data released under the CC-0 waiver; run 2026-09-19-13-32-18. OSM license. Listings are informational and may be out of date.
Insurance cost of popular cars in Fargo
| Model | Segment | Est. full coverage / yr | vs. average car |
|---|---|---|---|
| Honda CR-V | Small SUV | $870 | −26% |
| Subaru Outback | Wagon | $895 | −24% |
| Tesla Model 3 | Midsize car | $1,225 | +4% |
| Subaru Forester | Small SUV | $880 | −25% |
| Honda Civic | Compact car | $1,295 | +10% |
| Toyota Corolla | Compact car | $1,210 | +3% |
| Jeep Wrangler | Midsize SUV | $880 | −25% |
| Mazda CX-5 | Small SUV | $965 | −18% |
| MINI Cooper | Subcompact car | $875 | −26% |
| Tesla Model Y | Midsize SUV | $1,105 | −6% |
Car insurance in nearby North Dakota cities
- West Fargo $1,195/yr · 4 mi
- Grand Forks $1,135/yr · 74 mi
- Bismarck $1,160/yr · 186 mi
- Mandan $1,150/yr · 192 mi
- Minot $1,170/yr · 228 mi
- Dickinson $1,130/yr · 282 mi
- Williston $1,110/yr · 329 mi
All North Dakota cities and state rules · Homeowners insurance in Fargo
Frequently asked questions
How much is car insurance in Fargo, ND?
We estimate full coverage in Fargo at about $1,175 a year ($98 a month) for a driver in their 30s with a clean record, and about $310 for North Dakota's minimum liability coverage. Real quotes vary by insurer, driver and vehicle.
Why is car insurance in Fargo more expensive than the North Dakota average?
Our Fargo estimate is 14% higher than the statewide figure. The model reflects a population density of 2,647 people per square mile (the typical North Dakota resident lives at about 193) and an average commute of 15.5 minutes versus 17.9 statewide. Denser traffic and longer drives mean more claims, which insurers price into local rates.
What car insurance is required in Fargo?
Drivers in Fargo follow North Dakota law: at least 25/50/25 liability coverage plus PIP and uninsured motorist coverage.
Which ZIP code in Fargo has the cheapest car insurance?
Among Fargo's 4 ZIP codes, 58102 has the lowest estimate (about $1,125 a year for full coverage) and 58105 the highest (about $1,255), mainly because of differences in density and commute times.
How much is car insurance for a teenager in Fargo?
An 18-year-old with their own full-coverage policy would pay around $3,235 a year in Fargo by our estimate ($860 for minimum coverage). Adding a teen to a parent's policy is usually cheaper.
Does weather affect car insurance in Fargo?
Yes. FEMA's National Risk Index rates Cass County for hail (relatively high) risk. Weather mainly affects the comprehensive part of a policy, which pays for hail, flood and wind damage.
Are there car insurance agents near me in Fargo?
We list 30 insurance offices in and around Fargo, with addresses, phone numbers where published, and directions. We don't sell insurance or rank these offices.
How we estimate this
We start from the state's average liability, collision and comprehensive premiums published by the NAIC, then apply a location factor (population density and commute time from the Census ACS, weather hazard scores from FEMA's National Risk Index), a vehicle factor (HLDI insurance-loss data where available, otherwise vehicle segment), and a driver-profile multiplier. Results are rounded ranges for comparison, not quotes. Read the full methodology.
- North Dakota Insurance Department: Auto
- N.D.C.C. chapter 26.1-41 (auto accident reparations; serious injury)
- NDDOT: Driver Record Services and Suspensions
- NDDOT: Drivers License FAQ
- North Dakota Insurance Department: Complaints
- NAIC 2022/2023 Auto Insurance Database Report
- NAIC Homeowners Insurance Report: Data for 2023
- Insurance Research Council uninsured motorist estimates (via Triple-I)
- IIHS Fatality Facts: state by state
- FBI Crime Data Explorer: Crime in the United States 2025 (Table 4)
- NICB 2022 Vehicle Theft Data: top 10 stolen vehicles by state
- FHWA Highway Statistics 2024, Table DL-1C (licensed drivers)
- FHWA Highway Statistics 2024, Table MV-1 (registrations)
- FHWA Highway Statistics 2024, Table VM-2 (vehicle-miles traveled)
- U.S. Census Bureau Vintage 2024 population estimates
- U.S. Census Bureau, American Community Survey 5-year estimates (Fargo and ZIP code tabulation areas)
- U.S. Census Bureau population estimates and Gazetteer files
- FEMA National Risk Index (county hazard ratings)
- Insurance office locations: OpenStreetMap contributors and All The Places