How to find the cheapest car insurance in Fargo

On average, auto insurance in Fargo costs about $100 per month for minimum coverage liability insurance, and about $150 per month for full coverage insurance. In Fargo drivers pay 11% less than the national average.

Smart car insurance shoppers in Fargo, Alabama come to Jerry every month, because Jerry makes it easy for customers to compare and buy car insurance quotes. Below are some cheapest car insurance quotes Jerry found for our Fargo customers.

Best car insurance companies in Fargo

There’s no “one-size-fits-all” policy when it comes to the best car insurance coverage—and there’s no “one-price-fits-all” either! Comparing car insurance quotes from different auto insurance companies is the best way to find the lowest rates in Alabama.

Besides price, you also need to consider factors such as claims handling and customer service.

To help drivers better compare the cheapest car insurance companies, Jerry conducted the largest insurance survey in the nation—and what we found surprised us.

The results: While big-name carriers like GEICO and State Farm got mixed reviews for policy cost and customer service, smaller insurers like Aspire Advantage and National General came through with the highest ratings from actual customers.

The table below shows how drivers in Fargo rate different companies on a scale of 0 to 5.

Best cheap car insurance quotes in Fargo

Most states require that drivers carry a minimum amount of liability coverage—and that includes North Dakota. North Dakota drivers must also carry uninsured/underinsured motorist coverage and personal injury protection (PIP).

In many cases, it can be more beneficial for you to carry full coverage, which covers damages to your vehicle.

Cheap minimum liability insurance quotes in Fargo

Before you can legally take to the streets of Fargo, you’ll need to have a car insurance policy that satisfies the state’s minimum requirements:

• Bodily injury liability: $25,000 per person, $50,000 per accident
• Property damage liability: $25,000 per accident
• Uninsured motorist coverage / underinsured motorist coverage: $25,000 per person, $50,000 per accident
• Basic no-fault coverage (a.k.a. personal injury protection): $30,000 per person

These coverage limits are commonly referred to as 25/50/25.

Jerry helps drivers find quotes for affordable car insurance that meets North Dakota’s car insurance laws.

Do you need more than minimum coverage in Fargo?

Most drivers will benefit from additional car insurance coverage in Fargo since severe accidents could easily exceed the coverage limits of a minimum liability policy. Plus, none of the required coverage types mentioned above will cover damages to your own vehicle—which could put you in a difficult financial situation if it’s totaled.

Even if you decide you don’t need full coverage, choosing higher limits can offer you better financial protection after an accident.

Bottom line: Consider opting for full coverage or 50/100/50 or 100/300/100 liability coverage to give yourself greater financial protection against potential damages.

Cheap full coverage car insurance quotes in Fargo

Unlike a minimum liability policy, a full-coverage car insurance policy—which includes both comprehensive coverage and collision coverage—will pay for damage to your own vehicle under a wide range of circumstances, such as crashes, severe weather, theft, and vandalism.

Keep in mind: If you are financing or leasing your car, lenders typically require that you carry full-coverage insurance for the life of your loan or lease.

Luckily, Jerry makes it easy to find an affordable full-coverage car insurance policy in Fargo.

The best—and fastest—way to compare car insurance quotes: Use a car insurance comparison app or website like Jerry.

As a licensed insurance broker app, Jerry allows you to quickly and easily find and compare car insurance quotes online. With the help of 100+ licensed insurance agents, Jerry can even help you switch to your new policy and cancel your old one.

Average cost of car insurance in Fargo

By helping so many drivers in Fargo find car insurance, we’ve found that the average rate for minimum liability coverage is $90 per month or $1,084 per year. The average cost for full coverage insurance in Fargo is $152 per month or $1,823 per year, according to Jerry’s data.

Remember: Your actual auto insurance coverage costs will depend on a variety of factors unique to your driver profile, including your driving record, vehicle type, claims history, demographics, and the coverage level you choose.

In Fargo, insurance rates for minimum liability coverage typically start at around $90 per month. Full coverage can cost closer to $152 per month, but costs vary based on each driver’s specific profile.

Average cost of car insurance in Fargo by zip code

Where you live is one of the many factors car insurance providers will look at when determining the cost of your premium.

Even within the same city, car insurance costs can vary depending on your specific zip code’s accident rates and crime rates. Should your neighborhood have a higher number of claims filed than other areas within Fargo, insurers may flag your zip code as “high risk”—leading to higher insurance costs.

Here’s what Jerry drivers pay for car insurance in various locations throughout Fargo.

Car insurance quotes in Fargo by rating factors

Every auto insurance company in Fargo has its own methodology to calculate your car insurance rate. They’ll evaluate factors like:

• Your driving record: You can generally expect to pay more for car insurance if you have accidents or violations on your driving record. Good drivers with clean records should find lower rates.
• Your claims history: Drivers who have filed insurance claims in the past are considered statistically more likely to file claims again.
• Where you live: Your ZIP code—even within the same city—can have a big impact on your rates due to factors like accidents, crime, and severe weather risks in your area.
• Your credit score: In many areas in North Dakota, including Fargo, a strong credit history could help you secure a less expensive car insurance premium.
• What kind of vehicle you drive: Collision and comprehensive coverage generally cost more for newer, luxury, and sports cars.
• How you use your car: A daily commuter car will typically cost more to insure than one that’s only used occasionally.

Cheap car insurance quotes in Fargo after driving violations

Your driving record helps give insurers a sense of your habits as a driver. If you have a series of violations on your record, you can expect to pay steeper rates for car insurance. Some typical traffic violations that could raise your Fargo car insurance costs include:

• Speeding
• DUIs
• At fault accidents
• Reckless driving
• Texting and driving

Cheapest car insurance in Fargo after DUI

DUI violations result in some of the steepest car insurance rate increases. That said, seeking out multiple quotes can help you save as much as possible.

Compare quotes on the Jerry app to find the lowest rate on car insurance after a DUI in Fargo.

Cheapest car insurance in Fargo after an at-fault accident

Yet another major factor that will affect your Fargo insurance premium is your accident or claims history. Insurance providers will look at your at-fault accident history when determining your level of risk. They’ll also consider how often you’ve filed claims in the past.

While North Dakota is a no-fault state, drivers can still be deemed at-fault and responsible for property damage after a collision—and filing an at-fault accident claim can increase your premiums by as much as 15%.

Luckily, Jerry has helped Fargo drivers save on car insurance even with at-fault accidents in their driving record.

Cheapest car insurance in Fargo after other driving violations

It isn’t just DUIs or speeding tickets—there are plenty of other driving violations that can impact your Fargo car insurance costs, such as a reckless driving charge or driving with a suspended license.

Your car insurance rate might even go up if you commit one too many minor violations, like driving without a seatbelt.

Your rate increase will depend on your provider and the severity of the offense(s).

Cheap car insurance quotes in Fargo by age

Age plays a significant role in determining the cost of your car insurance premium.

Young drivers see some of the highest rates due to a lack of experience on the road (so far). Fortunately, by age 25, rates gradually start decreasing for safe drivers. Car insurance for seniors tends to rise around age 75.

Cheapest car insurance in Fargo for young drivers

Teen drivers aged 16 to 19 will have the highest average insurance costs in Fargo.

Because teen drivers are statistically more likely to get into accidents, full coverage is worth consideration—especially for those driving newer vehicles. Keeping a younger driver on a parent or guardian’s policy can also help keep teen car insurance rates down.

Cheapest car insurance in Fargo for senior drivers

Car insurance rates generally start to rise again when drivers reach their mid-70s.

This is due to various factors, such as a higher risk of getting into an accident and a higher risk of sustaining severe injuries when accidents happen.

Cheap car insurance quotes in Fargo based on insurance history

Your insurance history can also have an impact on your current car insurance rate. For example, if you had a lapse in insurance coverage, you might have a more expensive premium than you would otherwise.

Good news: Jerry sends customers payment reminders to help avoid missed or late payments, and ultimately, lapses in coverage.

But even if you have experienced a coverage lapse, you might still be able to find savings by shopping around.

Cheap car insurance quotes in Fargo for drivers with poor credit

In North Dakota, insurance companies are allowed to consider your credit history when determining your car insurance rate. Drivers with poor credit are statistically more likely to file insurance claims and often see higher rates as a result.

On the flip side, drivers with good credit will find it easier to get lower rates.

Our data shows that drivers with credit scores of 750 or higher see insurance costs that are almost 20% lower than the average cost for drivers with credit scores of 550 or lower.

Cheap car insurance quotes in Fargo for popular cars

The vehicle you own also affects what you pay for car insurance. Insurers will look at your vehicle’s make and model, its age, its safety features, and its potential repair and replacement costs.

The most popular car models in Fargo include:

• Ford F-150
• GMC Sierra
• Chevrolet Equinox
• Ram 1500

Learn more: How to get car insurance before buying a car

How to lower car insurance costs in Fargo

1. Shop around and compare quotes

Each car insurance company in Fargo has different methods of calculating your premiums—and these methods can constantly change! That’s why it’s recommended that you compare quotes from at least three different insurers and shop for rates every six months to determine the most affordable car insurance available to you.

Though researching quotes can seem daunting and time-consuming, Jerry makes the process simple. In just 45 seconds, Jerry cross-analyzes quotes from over 55 top insurers nationwide to track down the best car insurance rates available to you. Even better: the entire process is completely free!

2. Hunt for car insurance discounts

One of the easiest ways to shave a little extra off your rates is to look for car insurance discounts. Most insurers feature several, often including the following:

• Bundling: You can usually cut the costs on more than one policy if you purchase multiple policies, like car and auto insurance, through the same insurer.
• Safe driver: In most cases, you can save as much as 20% off your premiums by maintaining a clean driving record with few or no claims for a certain time frame.
• Good student: If you’re fully enrolled in school and you have a GPA of 3.0 or higher, you may be rewarded with a percentage off your premiums.
• Low mileage: Driving less puts your vehicle at less risk of accidents. Because of this, many insurance companies offer lower rates if you put less than 10,000 miles on your vehicle each year.

3. Increase your deductible for comprehensive and collision coverage

In exchange for more manageable monthly rates, it may make sense for you to raise your comprehensive and collision coverage deductibles. While you will pay more out-of-pocket with a higher deductible, it could actually be a better long-term choice—especially if you’re a safe driver and your vehicle has a higher value.

MEET OUR EXPERTS

R.E. Fulton

• Licensed Insurance Agent

R.E. Fulton is an expert insurance writer specializing in car ownership topics from car shopping and loan advice to insurance and repair guides. R.E.’s mission is to create unique and accessible content that helps readers to become more successful and independent car owners. R.E. has written and edited over 900 high-performing articles for Jerry, with an average of 1 million+ views. As a senior writer on Jerry’s editorial team, R.E. draws on over 10 years of experience as a professional writer and digital publishing specialist. Prior to joining Jerry’s editorial team in 2021, R.E. worked as a writing coach at Columbia University, the Rochester Institute of Technology (RIT), and the University of Rochester. They serve as a managing editor for peer-reviewed history publication Nursing Clio, where their work has appeared regularly since 2015.

Lina Zhang

Lina Zhang is co-founder and vice president of operations at Jerry, where she leads a global team responsible for operations, talent acquisition, content, legal, and compliance. Lina’s operational excellence was a critical enabler of Jerry’s 10x growth in its first year of operation.

Prior to Jerry, Lina and her Jerry co-founders, Art Agrawal and Musawir Shah, led YourMechanic, the largest on-demand car repair services provider. In one year, Lina built and scaled YourMechanic operations from five markets to more than 50. The trio left YourMechanic to incubate Jerry at Y Combinator in 2017.

Lina’s previous roles include intellectual property attorney at Morrison & Foerster LLP and a biomedical researcher at Stanford University.

Lina holds a bachelor’s degree in biochemistry from Nanjing University, a doctorate in biochemistry from Dartmouth College, and a juris doctorate from the University of California Berkeley School of Law. She’s a member of the State Bar of California and a licensed property and casualty insurance producer in all 50 states.

Josh Damico

As Vice President of Insurance Operations at Jerry, Josh Damico leads teams across product development, operations and carrier relations, integrating Jerry’s smart and fast car insurance customer experience with that of traditional carriers to help customers find savings and coverage. Josh’s nearly 20 years of insurance-industry experience and knowledge generate partnerships with more than 55 name-brand and specialty insurance partners that enable Jerry to serve customers with all types of vehicle and policy needs.

Previously, Josh held executive roles at Geico, where he had vast regional oversight and leadership opportunities. In his most recent role as director of sales, servicing, and underwriting, Josh developed and executed profit and growth strategy for the New England states and New Jersey.

Josh holds a bachelor’s degree in business administration and management from Medaille College.

*Illustration only. For all the pricing information presented in this article (including various tables), please note that not all customers find savings and the information is for illustrative purposes only. Savings depend on type of car, location, policy features, driving history and other factors. Drivers who switch through Jerry save over $70/month on average.