Best Cheap Car Insurance in Fargo for 2021

The average cost of car insurance in the U.S. is $1,674 for full coverage. Fargo drivers, though, can expect to pay an average of only $1,085 for full coverage, and $321 for the state’s minimum required coverage. Cass County saw 2,062 accidents in 2020, making it vital for residents to find the best car insurance in Fargo.

In our search for the cheapest car insurance in Fargo, we looked first at price. We assessed other marks of quality, too, such as customer service, financial stability and the breadth of coverage options and discounts. We found five companies that excel at all these.

Best car insurance companies in Fargo

Our top five choices are Auto-Owners, Geico, Nodak, State Farm and USAA. All were chosen because they have competitive rates as well as highly-rated customer service, as judged by the J.D. Power 2020 Customer Satisfaction Index Ranking for the North Dakota region. They all feature a good range of coverage options and discounts to help you lower your premium costs.

Insurance company J.D. Power score Average annual premium for minimum coverage Average annual premium for full coverage
Auto-Owners 868 / 1000 $319 $1,109
Geico 855 / 1000 $270 $824
Nodak N/A $204 $882
State Farm 849 / 1000 $348 $976
USAA* 905 / 1000 $215 $804


Auto-Owners has a minimum coverage rate that is below the average cost of car insurance in Fargo. It also scores at the top of J.D. Power’s listing, which is based on the customer satisfaction rankings of thousands of policyholders.

In addition to standard liability coverage options, you can customize your Auto-Owners policy with loan/lease gap, roadside assistance and more. Perks include a waived collision deductible if you are in an accident with another vehicle insured by the company. A generous 13 discounts can help bring your rate down even more, including a green discount for paperless billing.


Geico, which famously promises to save you 15% in 15 minutes, gave us some of our lowest prices. The average of $824 for full coverage works out to less than $70 a month, making them one of the companies that has the cheapest car insurance in Fargo.

Although Geico has fewer ways to customize your quote than some of our other choices, if you are looking for an inexpensive policy that offers solid coverage, this company may be a good option. It also has a number of discounts, and is especially strong with discounts for military members, senior drivers and the members of more than 500 groups and organizations.


Nodak is a regional company that sells insurance only in North Dakota. It’s 70+ salespeople have feet-on-the-ground knowledge of the needs of North Dakota drivers, and since it is a smaller company with less overhead, it can pass those savings on to its policyholder by offering lower rates.

Nodak does not have the policy extras that some of the bigger companies offer, but it features all the coverage you need for minimal or full insurance, along with uninsured/underinsured motorist and new car replacement insurance. It has generous discounts, including a 25% discount for the children of policyholders when they buy their first car and a disappearing deductible that drops by $150 each year you are claim-free.

State Farm

State Farm is the largest auto insurer in the U.S., and it has the bandwidth to be able to sell robust policies to Fargo residents. The company scores above the regional average with J.D. Power, and has an A++ — the highest possible rating — from AM Best, which measures financial stability and strength.

State Farm’s low rates can be made even lower if you take advantage of the company’s 13 discounts for car insurance in Fargo. It features coverage extras such as rideshare insurance and car rental coverage, and has a state-of-the-art website that makes it easy to do your insurance business online.


USAA’s low rates and stand-out customer service rankings make it a great choice for Fargo residents. The only reason it is not at the top of our list is because the company sells policies only to military members, veterans and their families. If you fit that demographic, USAA should be one of your first stops when looking for auto insurance quotes in Fargo.

USAA’s policies are geared toward the military. For example you can earn a discount for garaging your car at a military installation. It also has discounts for good driving habits, bundling auto with homeowners and more. If you are deployed, you may be able to save up to 60% off your policy’s cost.

Cheapest car insurance in Fargo

The cost of car insurance varies greatly depending on where you live, as well as multiple other factors. In North Dakota, it is on the cheap side compared to the national annual average in the U.S The state average for full coverage is $1,264, compared to the national average of $1,674. The best car insurance companies in Fargo may be able to offer you a rate even below this average.

We have highlighted the cheapest car insurance in Fargo on the table below. Two of these companies, USAA and Geico, are also on our best-of list above. Farmers, American Family and Nationwide are also writing low-cost policies in the region, but they do not score quite as highly on the J.D. Power customer satisfaction ranking. Farmer’s average minimum coverage rate is one of the lowest we received, while American Family’s full coverage average rate was the lowest of all the companies we looked at.

Insurance company Average annual premium for minimum coverage Average annual premium for full coverage
USAA $215 $804
Farmers $216 $815
American Family $267 $703
Geico $270 $824
Nationwide $288 $880

Fargo insurance requirements

Like almost every state in the U.S., North Dakota requires its drivers to have auto insurance. Your minimum requirements are as follows:

  • $25,000 per person/$50,000 per accident of bodily injury liability
  • $25,000 per accident of property damage liability
  • $25,000 per person/$50,000 per accident of uninsured/underinsured motorist coverage
  • $30,000 of personal injury protection (PIP)

If you have a leased car or a car loan, your lender may require additional coverage — most commonly, collision and comprehensive, which pays for damage to your vehicle in an accident.

In addition, most insurance experts recommend that you purchase more than the minimum required, since a serious accident may result in a high level of financial liability, and you are personally responsible for paying anything over the amount of your insurance limits.

Car insurance discounts in Fargo

Almost every insurer offers discounts that can drop your premium rates if you qualify. Some of the most common auto insurance discounts in Fargo include:

  • Defensive driving: A simple defensive driving course, which you may even be able to take online, may be able to save you 5% or more.
  • Bundling: If you use the same insurer for your auto as well as your homeowners, renters, condo or life policy, you should be able to save money on your premiums.
  • Air bags: Since 1993, cars have been required to have airbags. You may be able to receive a discount for having them on your vehicle.
  • Telematics: More and more insurers are using telematics, which require the installation of an app on your smartphone to get real-time information on your driving habits. Safe driving skills may be able to earn you a discount.
  • Good student: If your young driver earns a certain GPA, they may net you a discount. You may also earn one if they are away at school.

Frequently asked questions

What is the best car insurance company?

Finding the best car insurance company requires you to obtain several quotes, to see whose prices will be best for you. The best car insurance in Fargo for your neighbor might not be the one that works best for you. To start your search, take a look at the companies on our Best Car Insurance Companies of 2021 page.

How much does car insurance in Fargo cost?

The average annual cost of car insurance in Fargo is $321 for minimum coverage and $1,085 for full coverage. Your own premium rate is based on factors that are unique to you, including your car’s make, model and age, as well as your own age, marital status and credit rating.

How much car insurance do I need in Fargo?

You need to have at least 25/50/25 liability, along with uninsured/underinsured motorist coverage and PIP. But if you can afford it, insurance experts recommend purchasing more than the minimum so that you will be adequately covered in the event of a serious accident.


Bankrate utilizes Quadrant Information Services to analyze 2021 rates for all ZIP codes and carriers in all 50 states and Washington, D.C. Quoted rates are based on a 40-year-old male and female driver with a clean driving record, good credit and the following full coverage limits:

  • $100,000 bodily injury liability per person
  • $300,000 bodily injury liability per accident
  • $50,000 property damage liability per accident
  • $100,000 uninsured motorist bodily injury per person
  • $300,000 uninsured motorist bodily injury per accident
  • $500 collision deductible
  • $500 comprehensive deductible

To determine minimum coverage limits, Bankrate used minimum coverages that meet each state’s requirements. Our sample drivers own a 2019 Toyota Camry, commute five days a week and drive 12,000 miles annually.

These are sample rates and should be used for comparative purposes only. Your quotes may be different.