- Fargo car insurance cost averages $2,090 per year for a full-coverage policy, or around $174 per month.
- Fargo car insurance costs $131 per year less than the U.S. national average rate ($2,221).
- For cheap auto insurance in Fargo, models like the Subaru Crosstrek ($1,542 per year), Chevrolet Colorado ($1,842 per year), Acura Integra ($1,858 per year), and Kia K5 ($2,012 per year) rank very well for overall cost.
How much does Fargo car insurance cost?
Fargo car insurance costs an average of $2,090 per year, which is 6.1% less than the overall U.S. national average rate of $2,221. The average monthly cost of car insurance in Fargo is $174 for a policy that provides full coverage.
In the state of North Dakota, the average cost of car insurance is $2,174 per year, so the average cost in Fargo is $84 less per year. The average cost of car insurance in Fargo compared to other North Dakota locations is about $20 per year more expensive than in Grand Forks, $48 per year more expensive than in West Fargo, and $124 per year cheaper than in Minot.
The chart below shows average Fargo car insurance rates for 2024 model year vehicles not only by the age of the driver, but also by three different physical damage coverage deductibles.

The average cost of auto insurance per month in Fargo is $174, and ranges from $122 to $407 for the data shown in the chart above.
Auto insurance rates can cost very different amounts for different drivers and are impacted by many factors. The potential for significant variability emphasizes the need for accurate free car insurance quotes when shopping for the cheapest car insurance coverage.
The age of the driver has a big impact on the price of car insurance, so the list below illustrates this by showing the difference in average car insurance rates depending on driver age.
Average cost of car insurance in Fargo for drivers age 16 to 60
- 16-year-old driver – $7,440 per year or $620 per month
- 17-year-old driver – $7,208 per year or $601 per month
- 18-year-old driver – $6,462 per year or $539 per month
- 19-year-old driver – $5,885 per year or $490 per month
- 20-year-old driver – $4,204 per year or $350 per month
- 30-year-old driver – $2,228 per year or $186 per month
- 40-year-old driver – $2,090 per year or $174 per month
- 50-year-old driver – $1,852 per year or $154 per month
- 60-year-old driver – $1,732 per year or $144 per month
The rates shown above for average cost of car insurance for teen drivers assumed the gender of the driver was male. The next chart gets more specific and breaks out average teen driver rates in Fargo by gender. In general, female drivers tend to have cheaper car insurance, especially as teenagers.

Auto insurance for a female 16-year-old driver in Fargo costs an average of $489 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $909 per year.
Popular models in Fargo tend to be compact or midsize cars like the Nissan Sentra and Toyota Camry and small or midsize SUVs like the Nissan Rogue and Chevy Traverse.
A few additional popular models from other segments include luxury cars like the Tesla Model S and Lexus ES 350, luxury SUVs like the Infiniti QX60 and Cadillac XT5, and models from the pickup truck segment like the Toyota Tacoma and Ram 1500.
We will explore many more car rates in the upcoming sections, but before we delve that deep, let’s look at the comparisons and key concepts that we covered in the earlier charts and data.
- Teen females pay less than teen males – Teenage females pay $909 to $489 less each year than males of the same age.
- Fargo auto insurance rates are cheaper than the North Dakota state average – $2,090 (Fargo average) compared to $2,174 (North Dakota average)
- Insurance rates decline a lot between ages 20 and 30 – The average 30-year-old Fargo driver will pay $1,976 less annually than a 20-year-old driver, $2,228 compared to $4,204.
- Cost per month ranges from $144 to $620 – That’s the average auto insurance price range for drivers from age 16 to 60 in Fargo.
- Fargo car insurance costs less than the U.S. average – $2,090 (Fargo average) compared to $2,221 (U.S. average)
- Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $566 more per year for a policy with $250 deductibles versus $1,000 deductibles.
Which vehicles are cheapest to insure in Fargo?
When comparing rates for all models, the vehicles with the lowest cost average auto insurance quotes in Fargo, ND, tend to be crossovers and small SUVs like the Subaru Crosstrek, Chevrolet Trailblazer, and Toyota Corolla Cross.
Average car insurance rates for those small SUVs cost $1,818 or less per year, or $151 per month, to have full coverage.
A few other models that rank well in our cost comparison are the Buick Envista, Honda HR-V, Ford Bronco Sport, and Honda CR-V. Insurance is slightly higher for those models than the cheapest compact SUVs and crossovers that rank near the top, but they still have an average insurance cost of $1,948 or less per year ($162 per month) in Fargo.
The table below lists the top 30 cheapest vehicles to insure in Fargo, ordered by annual cost.
Rank | Make/Model | Annual Premium | Cost Per Month |
---|---|---|---|
1 | Subaru Crosstrek | $1,542 | $129 |
2 | Chevrolet Trailblazer | $1,568 | $131 |
3 | Kia Soul | $1,628 | $136 |
4 | Nissan Kicks | $1,646 | $137 |
5 | Honda Passport | $1,666 | $139 |
6 | Buick Envision | $1,674 | $140 |
7 | Toyota Corolla Cross | $1,684 | $140 |
8 | Hyundai Venue | $1,698 | $142 |
9 | Mazda CX-5 | $1,704 | $142 |
10 | Ford Bronco Sport | $1,708 | $142 |
11 | Volkswagen Tiguan | $1,730 | $144 |
12 | Acura RDX | $1,746 | $146 |
13 | Nissan Murano | $1,754 | $146 |
14 | Buick Encore | $1,772 | $148 |
15 | Subaru Outback | $1,778 | $148 |
16 | Honda CR-V | $1,780 | $148 |
17 | Buick Envista | $1,786 | $149 |
18 | Volkswagen Taos | $1,788 | $149 |
19 | Kia Niro | $1,796 | $150 |
20 | Toyota GR Corolla | $1,814 | $151 |
21 | Honda HR-V | $1,818 | $152 |
22 | Subaru Ascent | $1,818 | $152 |
23 | Nissan Leaf | $1,830 | $153 |
24 | Chevrolet Colorado | $1,842 | $154 |
25 | Honda Civic | $1,848 | $154 |
26 | Lexus NX 250 | $1,850 | $154 |
27 | Volkswagen Atlas | $1,852 | $154 |
28 | Acura Integra | $1,858 | $155 |
29 | Subaru Forester | $1,858 | $155 |
30 | Volkswagen Atlas Cross Sport | $1,862 | $155 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 26, 2025
A table of 30 of the cheapest vehicles to insure in Fargo doesn’t really give a comprehesive view of Fargo car insurance cost. Due to the fact that we track over 700 vehicles, less than 4% of makes and models are shown in the table.
Let’s try a different approach and show the most affordable vehicles an alternative way, by vehicle segment. The following six sections show the top 20 models with the lowest cost insurance rates in Fargo for the most popular segments.
Cheapest cars to insure in Fargo
When comparing 2024 models, the top five lowest-cost cars (excluding luxury models) to insure in Fargo are the Toyota GR Corolla, Nissan Leaf, Honda Civic, Nissan Sentra, and Subaru Impreza. Average insurance rates for for these five models range from $1,814 to $1,920 per year.
Some other cars that have good average insurance rates are the Toyota Corolla, Kia K5, Chevrolet Malibu, and Honda Accord, with an average cost to insure of $2,036 per year or less.
Auto insurance rates in this segment for an average middle-age driver can cost as low as $151 per month, depending on the company and where you live.
The lowest-cost non-luxury compact car to insure in Fargo is the Toyota GR Corolla at $1,814 per year. For midsize cars, the Kia K5 is cheapest to insure at $2,012 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $1,988 per year.
The table below ranks the cars with the cheapest average car insurance rates in Fargo, starting with the Toyota GR Corolla at $1,814 per year and ending with the Mazda 3 at $2,160 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Toyota GR Corolla | Compact | $1,814 | $151 |
Nissan Leaf | Compact | $1,830 | $153 |
Honda Civic | Compact | $1,848 | $154 |
Nissan Sentra | Compact | $1,914 | $160 |
Subaru Impreza | Compact | $1,920 | $160 |
Toyota Prius | Compact | $1,952 | $163 |
Kia K5 | Midsize | $2,012 | $168 |
Honda Accord | Midsize | $2,020 | $168 |
Chevrolet Malibu | Midsize | $2,026 | $169 |
Toyota Corolla | Compact | $2,036 | $170 |
Kia Forte | Compact | $2,038 | $170 |
Volkswagen Arteon | Midsize | $2,052 | $171 |
Subaru Legacy | Midsize | $2,060 | $172 |
Nissan Versa | Compact | $2,062 | $172 |
Hyundai Ioniq 6 | Midsize | $2,076 | $173 |
Mitsubishi Mirage G4 | Compact | $2,110 | $176 |
Volkswagen Jetta | Compact | $2,110 | $176 |
Toyota Crown | Midsize | $2,114 | $176 |
Hyundai Sonata | Midsize | $2,120 | $177 |
Mazda 3 | Compact | $2,160 | $180 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 26, 2025
See our guides for compact car insurance, midsize car insurance, and full-size car insurance to view any vehicles not shown in the table.
Looking for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in North Dakota.
Cheapest SUVs to insure in Fargo
The Subaru Crosstrek ranks #1 as the cheapest SUV to insure in Fargo, followed closely by the Chevrolet Trailblazer, Kia Soul, Nissan Kicks, and Honda Passport. The 2024 model averages $1,542 per year to insure for full coverage.
Not the cheapest, but still in the top 10, are models like the Ford Bronco Sport, Hyundai Venue, Buick Envision, and Mazda CX-5, with average annual insurance rates of $1,708 per year or less.
Ranked in the bottom half of the top 20 cheapest SUVs to insure, models like the Buick Encore, Buick Envista, Volkswagen Tiguan, Subaru Outback, and Kia Niro average between $1,708 and $1,818 per year for insurance in Fargo.
On a monthly basis, car insurance in Fargo on this segment can cost as low as $129 per month, depending on your company and location.
The most budget-friendly non-luxury compact SUV to insure in Fargo is the Subaru Crosstrek at $1,542 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,666 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $1,960 per year.
The table below ranks the SUVs with the cheapest average insurance rates in Fargo, starting with the Subaru Crosstrek at $129 per month and ending with the Subaru Ascent at $152 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Subaru Crosstrek | Compact | $1,542 | $129 |
Chevrolet Trailblazer | Compact | $1,568 | $131 |
Kia Soul | Compact | $1,628 | $136 |
Nissan Kicks | Compact | $1,646 | $137 |
Honda Passport | Midsize | $1,666 | $139 |
Buick Envision | Compact | $1,674 | $140 |
Toyota Corolla Cross | Compact | $1,684 | $140 |
Hyundai Venue | Compact | $1,698 | $142 |
Mazda CX-5 | Compact | $1,704 | $142 |
Ford Bronco Sport | Compact | $1,708 | $142 |
Volkswagen Tiguan | Compact | $1,730 | $144 |
Nissan Murano | Midsize | $1,754 | $146 |
Buick Encore | Compact | $1,772 | $148 |
Subaru Outback | Midsize | $1,778 | $148 |
Honda CR-V | Compact | $1,780 | $148 |
Buick Envista | Midsize | $1,786 | $149 |
Volkswagen Taos | Compact | $1,788 | $149 |
Kia Niro | Compact | $1,796 | $150 |
Honda HR-V | Compact | $1,818 | $152 |
Subaru Ascent | Midsize | $1,818 | $152 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 26, 2025
See our guides for compact SUV insurance, midsize SUV insurance, and full-size SUV insurance to view any vehicles not shown in the table.
Looking for rates for a different SUV? No problem! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap Fargo car insurance quotes from the best car insurance companies in North Dakota.
Cheapest luxury car insurance rates in Fargo
The top five models for the cheapest Fargo car insurance rates in the luxury car segment are the Lexus IS 300, Acura TLX, Mercedes-Benz CLA250, BMW 330i, and Acura Integra. Car insurance rates for these models average $2,160 or less per year.
Not the cheapest luxury cars to insure, but still very reasonable, are luxury cars like the Lexus RC 300, Cadillac CT4, Lexus ES 350, and Genesis G70, with an average cost of $2,194 per year or less.
On a monthly basis, full-coverage auto insurance in Fargo on this segment for a safe driver will start around $155 per month, depending on where you live and the company you use.
The lowest-cost small luxury car to insure in Fargo is the Acura Integra at $1,858 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,150 per year. And for large luxury cars, the Audi A5 is the cheapest model to insure at $2,484 per year.
The next table ranks the twenty cars with the lowest-cost auto insurance rates in Fargo, starting with the Acura Integra at $155 per month and ending with the Audi S3 at $195 per month.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura Integra | Compact | $1,858 | $155 |
BMW 330i | Compact | $2,126 | $177 |
Mercedes-Benz CLA250 | Midsize | $2,150 | $179 |
Lexus IS 300 | Midsize | $2,154 | $180 |
Acura TLX | Compact | $2,160 | $180 |
Lexus ES 350 | Midsize | $2,180 | $182 |
Cadillac CT4 | Compact | $2,182 | $182 |
Genesis G70 | Compact | $2,186 | $182 |
Mercedes-Benz AMG CLA35 | Midsize | $2,190 | $183 |
Lexus RC 300 | Midsize | $2,194 | $183 |
Lexus IS 350 | Compact | $2,204 | $184 |
Jaguar XF | Midsize | $2,208 | $184 |
Cadillac CT5 | Midsize | $2,252 | $188 |
Lexus ES 250 | Midsize | $2,258 | $188 |
Lexus RC 350 | Compact | $2,264 | $189 |
BMW 330e | Compact | $2,268 | $189 |
BMW 228i | Compact | $2,272 | $189 |
BMW 230i | Compact | $2,290 | $191 |
Lexus ES 300h | Midsize | $2,294 | $191 |
Audi S3 | Compact | $2,340 | $195 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 27, 2025
For all luxury car insurance comparisons, see our full luxury car insurance guide.
Don’t see insurance cost for your luxury car? No problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get cheap Fargo car insurance quotes from top car insurance companies in North Dakota.
Cheapest luxury SUVs to insure in Fargo
The lowest-cost luxury SUV models to insure in Fargo are the Acura RDX at $1,746 per year, the Lexus NX 250 at $1,850 per year, and the Cadillac XT4 at $1,884 per year.
Not the cheapest luxury SUVs to insure, but still very reasonable, are SUVs like the Lincoln Corsair, Lexus NX 450h, Lexus UX 250h, and Mercedes-Benz GLB 250, with average cost of $2,014 per year or less.
Additional models that make the list include the Land Rover Evoque, Acura MDX, Infiniti QX50, Mercedes-Benz GLA35 AMG, and Mercedes-Benz AMG GLB35, which average between $2,014 and $2,096 per year for full-coverage insurance.
From a monthly standpoint, full-coverage car insurance on this segment in Fargo for a middle-age safe driver can cost as low as $146 per month, depending on where you live. The comparison table below ranks the twenty luxury SUVs with the lowest-cost average auto insurance rates in Fargo, starting with the Acura RDX at $1,746 per year and ending with the Lexus RX 350 at $2,096 per year.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Acura RDX | Compact | $1,746 | $146 |
Lexus NX 250 | Compact | $1,850 | $154 |
Cadillac XT4 | Compact | $1,884 | $157 |
Jaguar E-Pace | Midsize | $1,954 | $163 |
Cadillac XT5 | Midsize | $1,970 | $164 |
Lexus NX 350h | Compact | $1,970 | $164 |
Lincoln Corsair | Compact | $1,994 | $166 |
Mercedes-Benz GLB 250 | Compact | $1,998 | $167 |
Lexus UX 250h | Compact | $2,004 | $167 |
Lexus NX 450h | Compact | $2,014 | $168 |
Infiniti QX50 | Midsize | $2,030 | $169 |
Mercedes-Benz GLA250 | Compact | $2,036 | $170 |
Mercedes-Benz GLA35 AMG | Compact | $2,042 | $170 |
Cadillac XT6 | Midsize | $2,044 | $170 |
Infiniti QX60 | Midsize | $2,056 | $171 |
Mercedes-Benz AMG GLB35 | Midsize | $2,058 | $172 |
Land Rover Evoque | Compact | $2,084 | $174 |
Acura MDX | Midsize | $2,086 | $174 |
Lexus NX 350 | Compact | $2,094 | $175 |
Lexus RX 350 | Midsize | $2,096 | $175 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 27, 2025
See our guides for luxury SUV insurance to compare rates for additional makes and models.
Don’t see insurance cost for your luxury SUV? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from top-rated companies in North Dakota.
Cheapest sports cars to insure in Fargo
Ranking at the top for the most affordable Fargo auto insurance rates in the performance and sports car segment are the Mazda MX-5 Miata, Ford Mustang, Toyota GR86, BMW Z4, and Subaru WRX. Auto insurance quotes for these models average $2,342 or less per year, or around $195 per month.
Some other sports cars that have good average insurance rates include the BMW M2, Subaru BRZ, Toyota GR Supra, and Lexus RC F, with an average cost of $2,500 per year or less.
Additional models on the list include the Jaguar F-Type, Lexus LC 500, Porsche 911, BMW M4, and BMW M3, which average between $2,500 and $3,538 per year for full-coverage insurance.
Car insurance in this segment for the average driver starts at an average of $161 per month, depending on your location and insurance company.
The next table ranks the twenty sports cars with the lowest-cost insurance rates in Fargo, starting with the Mazda MX-5 Miata at $161 per month and ending with the Porsche Taycan at $295 per month.
Make and Model | Vehicle Type | Annual Premium | Cost Per Month |
---|---|---|---|
Mazda MX-5 Miata | Sports Car | $1,932 | $161 |
Toyota GR86 | Sports Car | $2,202 | $184 |
Ford Mustang | Sports Car | $2,296 | $191 |
BMW Z4 | Sports Car | $2,308 | $192 |
Subaru WRX | Sports Car | $2,342 | $195 |
Toyota GR Supra | Sports Car | $2,346 | $196 |
BMW M2 | Sports Car | $2,416 | $201 |
Nissan Z | Sports Car | $2,420 | $202 |
Lexus RC F | Sports Car | $2,468 | $206 |
Subaru BRZ | Sports Car | $2,500 | $208 |
BMW M3 | Sports Car | $2,638 | $220 |
Porsche 718 | Sports Car | $2,690 | $224 |
Chevrolet Camaro | Sports Car | $2,716 | $226 |
Chevrolet Corvette | Sports Car | $2,894 | $241 |
Porsche 911 | Sports Car | $2,994 | $250 |
BMW M4 | Sports Car | $3,120 | $260 |
Lexus LC 500 | Sports Car | $3,134 | $261 |
Jaguar F-Type | Sports Car | $3,296 | $275 |
Mercedes-Benz AMG GT53 | Sports Car | $3,458 | $288 |
Porsche Taycan | Sports Car | $3,538 | $295 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 26, 2025
Need rates for a different vehicle? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in North Dakota.
Cheapest pickup truck insurance rates in Fargo
The three top-ranked pickup trucks with the lowest-cost auto insurance rates in Fargo are the Chevrolet Colorado at $1,842 per year, the Nissan Titan at $1,952 per year, and the Nissan Frontier at $1,976 per year.
Also ranking well are models like the Toyota Tacoma, GMC Sierra 2500 HD, Hyundai Santa Cruz, and Honda Ridgeline, with an average car insurance cost of $2,150 per year or less.
Auto insurance in this segment will start around $154 per month, depending on your location and insurance company. The table below ranks the pickups with the cheapest average car insurance rates in Fargo.
Make and Model | Vehicle Size | Annual Premium | Cost Per Month |
---|---|---|---|
Chevrolet Colorado | Midsize | $1,842 | $154 |
Nissan Titan | Full-size | $1,952 | $163 |
Nissan Frontier | Midsize | $1,976 | $165 |
Ford Ranger | Midsize | $1,996 | $166 |
Ford Maverick | Midsize | $2,026 | $169 |
Honda Ridgeline | Midsize | $2,072 | $173 |
Hyundai Santa Cruz | Midsize | $2,108 | $176 |
Toyota Tacoma | Midsize | $2,114 | $176 |
GMC Sierra 2500 HD | Heavy Duty | $2,126 | $177 |
GMC Canyon | Midsize | $2,150 | $179 |
Jeep Gladiator | Midsize | $2,200 | $183 |
GMC Sierra 3500 | Heavy Duty | $2,214 | $185 |
Chevrolet Silverado HD 3500 | Heavy Duty | $2,236 | $186 |
Chevrolet Silverado HD 2500 | Heavy Duty | $2,294 | $191 |
GMC Sierra | Full-size | $2,308 | $192 |
Chevrolet Silverado | Full-size | $2,310 | $193 |
Nissan Titan XD | Heavy Duty | $2,310 | $193 |
Ford F150 | Full-size | $2,338 | $195 |
GMC Hummer EV Pickup | Full-size | $2,396 | $200 |
Ram Truck | Full-size | $2,416 | $201 |
Data Methodology: Rated driver is a 40-year-old married male with no driving violations or at-fault accidents in the prior three years. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium is averaged for all trim levels available for each vehicle and also for all Fargo, ND Zip Codes. Updated June 27, 2025
See our comprehensive guides for midsize pickup insurance and large pickup insurance to view data for pickups not featured in the table.
Don’t see insurance cost for your pickup? No problem! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap Fargo car insurance quotes from top companies in North Dakota.
Fargo auto insurance price variability
To reinforce the amount that car insurance prices can vary from one person to the next (and also emphasize the importance of accurate rate quotes), the examples below show detailed car insurance rates for four popular vehicles in Fargo: the Honda Civic, Honda CR-V, Kia Sorento, and Honda Accord.
Each chart shows average rates for different profiles to demonstrate the possible variation based on driver risk and policy deductibles.
Honda Civic insurance rates
In Fargo, Honda Civic insurance costs an average of $1,848 per year, or about $154 per month, and ranges from $1,538 to $4,202 per year.

The Honda Civic belongs to the compact car segment, and other popular models include the Volkswagen Jetta, Toyota Corolla, Hyundai Elantra, and Nissan Sentra.
Honda CR-V insurance rates
Honda CR-V insurance in Fargo costs an average of $1,780 per year, or around $148 per month, and varies from $1,480 to $4,092.

The Honda CR-V is part of the compact SUV segment, and other popular same-segment models include the Chevrolet Equinox, Nissan Rogue, and Toyota RAV4.
Kia Sorento insurance rates
Car insurance for a Kia Sorento in Fargo averages $1,980 per year, or around $165 per month, and varies from $1,648 to $4,550 per year.

The Kia Sorento is classified as a midsize SUV, and other similar models from the same segment include the Toyota Highlander, Jeep Grand Cherokee, Ford Explorer, and Ford Edge.
Honda Accord insurance rates
Honda Accord insurance in Fargo averages $2,020 per year, or about $168 per month, and ranges from $1,676 to $4,638.

The Honda Accord belongs to the midsize car segment, and other popular models include the Nissan Altima, Toyota Camry, Hyundai Sonata, and Kia K5.
Money-saving tips for finding cheaper Fargo car insurance
Fargo drivers are always searching for ways to reduce their monthly insurance expenses. So run through the tips and ideas in this next list and maybe you can save a few dollars on your next renewal or new policy.
- Don’t be a careless driver. Causing too many accidents will raise rates, potentially by an extra $2,984 per year for a 20-year-old driver and as much as $514 per year for a 60-year-old driver. So drive safe and save money!
- Get cheaper rates because of your choice of occupation. The large majority of car insurance providers offer policy discounts for being employed in occupations like police officers and law enforcement, firefighters, emergency medical technicians, doctors, nurses, and others. By getting this discount, you could save between $63 and $203 on your annual car insurance cost, subject to policy limits.
- Fewer violations means cheaper insurance cost. In order to get cheap car insurance in Fargo, it pays to not be aggressive behind the wheel. Just a few minor infractions could possibly increase rates by up to $556 per year. Being convicted of a serious infraction like DWI/DUI and reckless driving could raise rates by an additional $1,940 or more.
- Better credit scores yield better car insurance rates. Having an excellent credit rating above 800 could save around $328 per year compared to a credit rating of 670-739. Conversely, a lesser credit rating could cost around $380 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
- Policy discounts equal cheaper car insurance rates. Savings may be available if the policyholders sign their policy early, drive a vehicle with safety or anti-theft features, are loyal customers, drive low annual mileage, or many other policy discounts which could save the average Fargo driver as much as $354 per year on car insurance.