Car Insurance in Fargo, ND – More Than 150 Rates Compared

What are the cheapest vehicles to insure in Fargo? Not only do we find the overall most affordable vehicles to insure, we break them out by vehicle segment to truly find the cheapest car insurance in Fargo.

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  • 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.

Average full-coverage car insurance premium in Fargo, ND for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in Fargo, ND for different ages of drivers. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Average premiums are based on all 2024 model year vehicles. Rates assume a clean driving record and no claims or at-fault accidents. Comprehensive and collision coverage is included as well as UM/UIM and medical payments coverage. Premiums are averaged across all Fargo, ND Zip Codes.

Average Car Insurance Cost in Fargo, ND
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,556$296
$500$4,204$350
$250$4,888$407
30$1,000$1,870$156
$500$2,228$186
$250$2,606$217
40$1,000$1,758$147
$500$2,090$174
$250$2,436$203
50$1,000$1,562$130
$500$1,852$154
$250$2,150$179
60$1,000$1,464$122
$500$1,732$144
$250$2,012$168

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 Fargo, ND Zip Codes. Updated June 27, 2025

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.

Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage.
Figure 2: Average cost to insure teenage drivers on an average 2024 model year vehicle with full coverage. Rates updated on June 27, 2025.

Get Rates in Your AreaWhy is this important?

Data Methodology: Teenage driver rates are for the 2024 model year with $500 comprehensive and collision deductibles. Average car insurance cost in Fargo includes all Zip Codes and vehicle trim levels. Rates assume a clean driving record and no claims or at-fault accidents.

Average Car Insurance Cost in Fargo, ND for Teenage Drivers
Driver Age Male Driver Female Driver
16-Year-Old$7,440$6,951
17-Year-Old$7,208$6,909
18-Year-Old$6,462$5,962
19-Year-Old$5,885$4,976

Data Methodology: Rated teen drivers have no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500. Uninsured Motorist (UM), Underinsured Motorist (UIM) and medical payments coverages are included. Premium amounts are averaged for all trim levels available on the 2024 Average Car. Updated June 27, 2025

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.

Cheapest Car Insurance Rates in Fargo
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,542$129
2Chevrolet Trailblazer$1,568$131
3Kia Soul$1,628$136
4Nissan Kicks$1,646$137
5Honda Passport$1,666$139
6Buick Envision$1,674$140
7Toyota Corolla Cross$1,684$140
8Hyundai Venue$1,698$142
9Mazda CX-5$1,704$142
10Ford Bronco Sport$1,708$142
11Volkswagen Tiguan$1,730$144
12Acura RDX$1,746$146
13Nissan Murano$1,754$146
14Buick Encore$1,772$148
15Subaru Outback$1,778$148
16Honda CR-V$1,780$148
17Buick Envista$1,786$149
18Volkswagen Taos$1,788$149
19Kia Niro$1,796$150
20Toyota GR Corolla$1,814$151
21Honda HR-V$1,818$152
22Subaru Ascent$1,818$152
23Nissan Leaf$1,830$153
24Chevrolet Colorado$1,842$154
25Honda Civic$1,848$154
26Lexus NX 250$1,850$154
27Volkswagen Atlas$1,852$154
28Acura Integra$1,858$155
29Subaru Forester$1,858$155
30Volkswagen 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

Top 30 cheapest vehicles to insure in Fargo, ND with the Subaru Crosstrek ranking first at $1,542 per year
Top 30 cheapest vehicles to insure in Fargo, ND with the Subaru Crosstrek ranking first at $1,542 per year

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.

Cheapest Insurance for Cars in Fargo
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,814$151
Nissan LeafCompact$1,830$153
Honda CivicCompact$1,848$154
Nissan SentraCompact$1,914$160
Subaru ImprezaCompact$1,920$160
Toyota PriusCompact$1,952$163
Kia K5Midsize$2,012$168
Honda AccordMidsize$2,020$168
Chevrolet MalibuMidsize$2,026$169
Toyota CorollaCompact$2,036$170
Kia ForteCompact$2,038$170
Volkswagen ArteonMidsize$2,052$171
Subaru LegacyMidsize$2,060$172
Nissan VersaCompact$2,062$172
Hyundai Ioniq 6Midsize$2,076$173
Mitsubishi Mirage G4Compact$2,110$176
Volkswagen JettaCompact$2,110$176
Toyota CrownMidsize$2,114$176
Hyundai SonataMidsize$2,120$177
Mazda 3Compact$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

Ranking of the cheapest compact, midsize, and large cars to insure in Fargo, ND, with the Toyota GR Corolla ranking first at $1,814 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in Fargo, ND, with the Toyota GR Corolla ranking first at $1,814 per year.

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.

Cheapest Insurance for SUVs in Fargo
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,542$129
Chevrolet TrailblazerCompact$1,568$131
Kia SoulCompact$1,628$136
Nissan KicksCompact$1,646$137
Honda PassportMidsize$1,666$139
Buick EnvisionCompact$1,674$140
Toyota Corolla CrossCompact$1,684$140
Hyundai VenueCompact$1,698$142
Mazda CX-5Compact$1,704$142
Ford Bronco SportCompact$1,708$142
Volkswagen TiguanCompact$1,730$144
Nissan MuranoMidsize$1,754$146
Buick EncoreCompact$1,772$148
Subaru OutbackMidsize$1,778$148
Honda CR-VCompact$1,780$148
Buick EnvistaMidsize$1,786$149
Volkswagen TaosCompact$1,788$149
Kia NiroCompact$1,796$150
Honda HR-VCompact$1,818$152
Subaru AscentMidsize$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

Ranking of the cheapest compact, midsize, and large SUVs to insure in Fargo, ND, with the Subaru Crosstrek ranking first at $1,542 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in Fargo, ND, with the Subaru Crosstrek ranking first at $1,542 per year.

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.

Cheapest Insurance for Luxury Cars in Fargo
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,858$155
BMW 330iCompact$2,126$177
Mercedes-Benz CLA250Midsize$2,150$179
Lexus IS 300Midsize$2,154$180
Acura TLXCompact$2,160$180
Lexus ES 350Midsize$2,180$182
Cadillac CT4Compact$2,182$182
Genesis G70Compact$2,186$182
Mercedes-Benz AMG CLA35Midsize$2,190$183
Lexus RC 300Midsize$2,194$183
Lexus IS 350Compact$2,204$184
Jaguar XFMidsize$2,208$184
Cadillac CT5Midsize$2,252$188
Lexus ES 250Midsize$2,258$188
Lexus RC 350Compact$2,264$189
BMW 330eCompact$2,268$189
BMW 228iCompact$2,272$189
BMW 230iCompact$2,290$191
Lexus ES 300hMidsize$2,294$191
Audi S3Compact$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

Ranking of the cheapest compact, midsize, and large luxury cars to insure in Fargo, ND, with the Acura Integra ranking first at $1,858 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in Fargo, ND, with the Acura Integra ranking first at $1,858 per year.

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.

Cheapest Insurance for Luxury SUVs in Fargo
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,746$146
Lexus NX 250Compact$1,850$154
Cadillac XT4Compact$1,884$157
Jaguar E-PaceMidsize$1,954$163
Cadillac XT5Midsize$1,970$164
Lexus NX 350hCompact$1,970$164
Lincoln CorsairCompact$1,994$166
Mercedes-Benz GLB 250Compact$1,998$167
Lexus UX 250hCompact$2,004$167
Lexus NX 450hCompact$2,014$168
Infiniti QX50Midsize$2,030$169
Mercedes-Benz GLA250Compact$2,036$170
Mercedes-Benz GLA35 AMGCompact$2,042$170
Cadillac XT6Midsize$2,044$170
Infiniti QX60Midsize$2,056$171
Mercedes-Benz AMG GLB35Midsize$2,058$172
Land Rover EvoqueCompact$2,084$174
Acura MDXMidsize$2,086$174
Lexus NX 350Compact$2,094$175
Lexus RX 350Midsize$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

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Fargo, ND, with the Acura RDX ranking first at $1,746 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in Fargo, ND, with the Acura RDX ranking first at $1,746 per year.

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.

Cheapest Insurance for Sports Cars in Fargo
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,932$161
Toyota GR86Sports Car$2,202$184
Ford MustangSports Car$2,296$191
BMW Z4Sports Car$2,308$192
Subaru WRXSports Car$2,342$195
Toyota GR SupraSports Car$2,346$196
BMW M2Sports Car$2,416$201
Nissan ZSports Car$2,420$202
Lexus RC FSports Car$2,468$206
Subaru BRZSports Car$2,500$208
BMW M3Sports Car$2,638$220
Porsche 718Sports Car$2,690$224
Chevrolet CamaroSports Car$2,716$226
Chevrolet CorvetteSports Car$2,894$241
Porsche 911Sports Car$2,994$250
BMW M4Sports Car$3,120$260
Lexus LC 500Sports Car$3,134$261
Jaguar F-TypeSports Car$3,296$275
Mercedes-Benz AMG GT53Sports Car$3,458$288
Porsche TaycanSports 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

Ranking of the cheapest sports cars to insure in Fargo, ND, with the Mazda MX-5 Miata ranking first at $1,932 per year.
Ranking of the cheapest sports cars to insure in Fargo, ND, with the Mazda MX-5 Miata ranking first at $1,932 per year.

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.

Cheapest Insurance for Pickups in Fargo
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,842$154
Nissan TitanFull-size$1,952$163
Nissan FrontierMidsize$1,976$165
Ford RangerMidsize$1,996$166
Ford MaverickMidsize$2,026$169
Honda RidgelineMidsize$2,072$173
Hyundai Santa CruzMidsize$2,108$176
Toyota TacomaMidsize$2,114$176
GMC Sierra 2500 HDHeavy Duty$2,126$177
GMC CanyonMidsize$2,150$179
Jeep GladiatorMidsize$2,200$183
GMC Sierra 3500Heavy Duty$2,214$185
Chevrolet Silverado HD 3500Heavy Duty$2,236$186
Chevrolet Silverado HD 2500Heavy Duty$2,294$191
GMC SierraFull-size$2,308$192
Chevrolet SilveradoFull-size$2,310$193
Nissan Titan XDHeavy Duty$2,310$193
Ford F150Full-size$2,338$195
GMC Hummer EV PickupFull-size$2,396$200
Ram TruckFull-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

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Fargo, ND, with the Chevrolet Colorado ranking first at $1,842 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in Fargo, ND, with the Chevrolet Colorado ranking first at $1,842 per year.

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.

Average 2024 Honda Civic insurance premiums in Fargo for different driver ages and risk scenarios.
Figure 3: Average 2024 Honda Civic insurance premiums in Fargo for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Civic with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Civic car insurance cost in Fargo includes all Zip Codes and vehicle trim levels.

2024 Honda Civic Insurance Cost in Fargo, ND
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,202$350
Safe Driver Age 20$3,668$306
At-fault Accidents Age 40$2,592$216
Low Deductibles Age 40$2,426$202
Safe Driver Age 30$1,972$164
Safe Driver Age 40$1,848$154
Safe Driver Age 50$1,642$137
High Deductibles Age 40$1,550$129
Discount Rate Age 40$1,538$128
Safe Driver Age 60$1,532$128

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Civic trim levels. Updated June 27, 2025

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.

Average 2024 Honda CR-V insurance premiums in Fargo for different driver ages and risk scenarios.
Figure 4: Average 2024 Honda CR-V insurance premiums in Fargo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda CR-V with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda CR-V car insurance cost in Fargo includes all Zip Codes and vehicle trim levels.

2024 Honda CR-V Insurance Cost in Fargo, ND
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,092$341
Safe Driver Age 20$3,580$298
At-fault Accidents Age 40$2,522$210
Low Deductibles Age 40$2,320$193
Safe Driver Age 30$1,898$158
Safe Driver Age 40$1,780$148
Safe Driver Age 50$1,580$132
High Deductibles Age 40$1,502$125
Safe Driver Age 60$1,480$123
Discount Rate Age 40$1,480$123

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda CR-V trim levels. Updated June 26, 2025

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.

Average 2024 Kia Sorento insurance premiums in Fargo for different driver ages and risk scenarios.
Figure 5: Average 2024 Kia Sorento insurance premiums in Fargo for different driver ages and risk scenarios. Rates updated on June 27, 2025.

Data Methodology: Average rates are for a 2024 model year Kia Sorento with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Kia Sorento car insurance cost in Fargo includes all Zip Codes and vehicle trim levels.

2024 Kia Sorento Insurance Cost in Fargo, ND
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,550$379
Safe Driver Age 20$3,988$332
At-fault Accidents Age 40$2,800$233
Low Deductibles Age 40$2,612$218
Safe Driver Age 30$2,118$177
Safe Driver Age 40$1,980$165
Safe Driver Age 50$1,754$146
High Deductibles Age 40$1,658$138
Discount Rate Age 40$1,648$137
Safe Driver Age 60$1,642$137

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Kia Sorento trim levels. Updated June 27, 2025

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.

Average 2024 Honda Accord insurance premiums in Fargo for different driver ages and risk scenarios.
Figure 6: Average 2024 Honda Accord insurance premiums in Fargo for different driver ages and risk scenarios. Rates updated on June 26, 2025.

Data Methodology: Average rates are for a 2024 model year Honda Accord with safe driver and claim-free discounts applied to qualifying risk profiles. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Average Honda Accord car insurance cost in Fargo includes all Zip Codes and vehicle trim levels.

2024 Honda Accord Insurance Cost in Fargo, ND
Driver Risk Profile Annual Premium Cost Per Month
High Risk Driver Age 30$4,638$387
Safe Driver Age 20$4,062$339
At-fault Accidents Age 40$2,850$238
Low Deductibles Age 40$2,660$222
Safe Driver Age 30$2,156$180
Safe Driver Age 40$2,020$168
Safe Driver Age 50$1,788$149
High Deductibles Age 40$1,690$141
Discount Rate Age 40$1,676$140
Safe Driver Age 60$1,672$139

Data Methodology: Comprehensive and collision deductibles are $500 except for low and high deductible estimates which are $100 and $1,000, respectively. Discount Rate includes all possible rate discounts including multi-vehicle, multi-policy, homeowner, and others which vary by company. Rates are averaged for all 2024 Honda Accord trim levels. Updated June 26, 2025

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.