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

• Fargo car insurance cost averages $2,134 per year for a full-coverage policy, or around $178 per month.
• Fargo car insurance costs $142 per year less than the U.S. national average rate ($2,276).
• For cheap auto insurance in Fargo, models like the Subaru Crosstrek ($1,576 per year), Chevrolet Colorado ($1,880 per year), Acura Integra ($1,898 per year), and Kia K5 ($2,052 per year) rank very well for overall cost.

How much does Fargo car insurance cost?

Fargo car insurance costs an average of $2,134 per year, which is 6.4% less than the overall U.S. national average rate of $2,276. The average monthly cost of car insurance in Fargo is $178 for a policy that provides full coverage.

In the state of North Dakota, the average cost of car insurance is $2,222 per year, so the average cost in Fargo is $88 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, $46 per year more expensive than in West Fargo, and $122 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 $178, and ranges from $125 to $416 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 – $7,599 per year or $633 per month
• 17-year-old driver – $7,360 per year or $613 per month
• 18-year-old driver – $6,597 per year or $550 per month
• 19-year-old driver – $6,005 per year or $500 per month
• 20-year-old driver – $4,292 per year or $358 per month
• 30-year-old driver – $2,274 per year or $190 per month
• 40-year-old driver – $2,134 per year or $178 per month
• 50-year-old driver – $1,892 per year or $158 per month
• 60-year-old driver – $1,772 per year or $148 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 $501 less per year than the cost to insure a male driver, while at age 19, the cost difference is much less but is still $924 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 $924 to $501 less each year than males of the same age.
• Fargo auto insurance rates are cheaper than the North Dakota state average – $2,134 (Fargo average) compared to $2,222 (North Dakota average)
• Insurance rates decline a lot between ages 20 and 30 – The average 30-year-old Fargo driver will pay $2,018 less annually than a 20-year-old driver, $2,274 compared to $4,292.
• Cost per month ranges from $148 to $633 – 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 – $2,134 (Fargo average) compared to $2,276 (U.S. average)
• Low deductibles cost more than high deductibles – A 30-year-old driver pays an average of $582 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 $1,856 or less per year, or $155 per month, to have full coverage.

A few other models that rank well in our cost comparison are the Buick Envista, Toyota GR Corolla, Ford Bronco Sport, and Subaru Outback. 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 $1,991 or less per year ($166 per month) in Fargo.

The table below lists the top 30 cheapest vehicles to insure in Fargo, ordered by annual cost.

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 $1,854 to $1,960 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 $2,078 per year or less.

Auto insurance rates in this segment for an average middle-age driver can cost as low as $155 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 $1,854 per year. For midsize cars, the Kia K5 is cheapest to insure at $2,052 per year. And for full-size non-luxury cars, the Chrysler 300 has the cheapest car insurance rates at $2,034 per year.

The table below ranks the cars with the cheapest average car insurance rates in Fargo, starting with the Toyota GR Corolla at $1,854 per year and ending with the Mazda 3 at $2,204 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 $1,576 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 $1,748 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, Honda CR-V, and Kia Niro average between $1,748 and $1,858 per year for insurance in Fargo.

On a monthly basis, car insurance in Fargo on this segment can cost as low as $131 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 $1,576 per year. For midsize SUVs, the Honda Passport is cheapest to insure at $1,700 per year. And for full-size non-luxury SUVs, the Chevrolet Tahoe has the cheapest rates at $2,004 per year.

The table below ranks the SUVs with the cheapest average insurance rates in Fargo, starting with the Subaru Crosstrek at $131 per month and ending with the Subaru Ascent at $155 per month.

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 $2,208 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 $2,242 per year or less.

On a monthly basis, full-coverage auto insurance in Fargo on this segment for a safe driver will start around $158 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 $1,898 per year. For midsize luxury models, the Mercedes-Benz CLA250 has the best rates at $2,196 per year. And for large luxury cars, the Audi A5 is the cheapest model to insure at $2,534 per year.

The next table ranks the twenty cars with the lowest-cost auto insurance rates in Fargo, starting with the Acura Integra at $158 per month and ending with the Audi S3 at $200 per month.

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 $1,784 per year, the Lexus NX 250 at $1,888 per year, and the Cadillac XT4 at $1,928 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 $2,056 per year or less.

Additional models that make the list include the Acura MDX, Land Rover Evoque, Infiniti QX50, Mercedes-Benz GLA35 AMG, and Mercedes-Benz AMG GLB35, which average between $2,056 and $2,142 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 $149 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 $1,784 per year and ending with the Lexus RX 350 at $2,142 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 $2,394 or less per year, or around $200 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 $2,550 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 $2,550 and $3,612 per year for full-coverage insurance.

Car insurance in this segment for the average driver starts at an average of $165 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 $165 per month and ending with the Porsche Taycan at $301 per month.

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 $1,880 per year, the Nissan Titan at $1,994 per year, and the Nissan Frontier at $2,018 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 $2,192 per year or less.

Auto insurance in this segment will start around $157 per month, depending on your location and insurance company. The table below ranks the pickups with the cheapest average car insurance rates in Fargo.

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 $1,890 per year, or about $158 per month, and ranges from $1,572 to $4,288 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 $1,818 per year, or around $152 per month, and varies from $1,512 to $4,182.

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 $2,026 per year, or around $169 per month, and varies from $1,682 to $4,652 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 $2,062 per year, or about $172 per month, and ranges from $1,714 to $4,738.

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 $3,046 per year for a 20-year-old driver and as much as $522 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 $64 and $207 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 $568 per year. Being convicted of a serious infraction like DWI/DUI and reckless driving could raise rates by an additional $1,982 or more.
• Better credit scores yield better car insurance rates. Having an excellent credit rating above 800 could save around $335 per year compared to a credit rating of 670-739. Conversely, a lesser credit rating could cost around $388 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 $362 per year on car insurance.