Car Insurance in West Fargo, ND – Cheapest Rates + Averages (2025)

We compare nearly 200 models in six different segments to find the cars, trucks, and SUVs with cheap West Fargo car insurance rates.

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How much does car insurance cost in West Fargo, ND?

In West Fargo, the average cost of car insurance is $2,042 per year, which is 8.4% less than the overall national average rate of $2,221. Per month, West Fargo car insurance costs around $170 for a full coverage policy.

In the state of North Dakota, the average car insurance expense is $2,174 per year, so the cost in West Fargo averages $132 less per year. The cost of auto insurance in West Fargo compared to other North Dakota locations is about $48 per year less than in Fargo, $172 per year less than in Minot, and $28 per year cheaper than in Grand Forks.

Driver age influences the cost of car insurance. The list below illustrates these differences by breaking down average car insurance rates in West Fargo for driver ages from 16 to 60.

West Fargo, ND, car insurance cost by driver age

  • 16-year-old rated driver – $7,275 per year or $606 per month
  • 17-year-old rated driver – $7,047 per year or $587 per month
  • 18-year-old rated driver – $6,316 per year or $526 per month
  • 19-year-old rated driver – $5,750 per year or $479 per month
  • 20-year-old rated driver – $4,108 per year or $342 per month
  • 30-year-old rated driver – $2,180 per year or $182 per month
  • 40-year-old rated driver – $2,042 per year or $170 per month
  • 50-year-old rated driver – $1,812 per year or $151 per month
  • 60-year-old rated driver – $1,698 per year or $142 per month

The chart below shows average car insurance cost in West Fargo broken out not only by driver age, but also by policy deductible amounts. Rates are averaged for all 2024 vehicle models including luxury brand cars and SUVs.

Average full-coverage car insurance premium in West Fargo, ND for different ages of drivers.
Figure 1: Average full-coverage car insurance premium in West Fargo, ND for different ages of drivers. Rates updated on June 26, 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 West Fargo, ND Zip Codes.

Average Car Insurance Cost in West Fargo, ND
Driver Age Deductible Annual Premium Cost Per Month
20$1,000$3,478$290
$500$4,108$342
$250$4,780$398
30$1,000$1,828$152
$500$2,180$182
$250$2,546$212
40$1,000$1,716$143
$500$2,042$170
$250$2,380$198
50$1,000$1,530$128
$500$1,812$151
$250$2,104$175
60$1,000$1,434$120
$500$1,698$142
$250$1,970$164

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 West Fargo, ND Zip Codes. Updated June 26, 2025

Average car insurance rates in the previous chart range from $1,434 per year for a policy with high deductibles for a 60-year-old driver to $4,780 per year for a 20-year-old driver with low physical damage deductibles.

For monthly budgeting purposes, the average cost of car insurance per month in West Fargo ranges from $120 to $398.

West Fargo auto insurance rates vary considerably and slight changes in a driver’s risk profile can have enormous effects on car insurance cost. The possibility of a wide range of rates stresses the need to get multiple car insurance quotes when shopping online for the cheapest West Fargo car insurance.

Which autos have cheap car insurance in West Fargo?

The vehicles with the best auto insurance quotes in West Fargo tend to be crossovers and compact SUVs like the Chevrolet Trailblazer, Subaru Crosstrek, Toyota Corolla Cross, and Hyundai Venue. Average auto insurance rates for those crossover SUVs cost $1,660 or less per year to have full coverage.

Other models that have affordable insurance prices in our car insurance cost comparison are the Kia Niro, Ford Bronco Sport, Honda CR-V, and Subaru Outback.

Rates are a little higher for those models than the cheapest crossovers and small SUVs at the top of the list, but they still have an average insurance cost of $1,778 or less per year, or about $148 per month.

The next table breaks down the top 40 cheapest vehicles to insure in West Fargo, ordered by annual cost.

Top 40 Cheapest Automobiles to Insure in West Fargo
Rank Make/Model Annual Premium Cost Per Month
1Subaru Crosstrek$1,510$126
2Chevrolet Trailblazer$1,536$128
3Kia Soul$1,596$133
4Nissan Kicks$1,608$134
5Honda Passport$1,628$136
6Buick Envision$1,638$137
7Toyota Corolla Cross$1,646$137
8Hyundai Venue$1,660$138
9Mazda CX-5$1,666$139
10Ford Bronco Sport$1,674$140
11Volkswagen Tiguan$1,690$141
12Acura RDX$1,708$142
13Nissan Murano$1,718$143
14Buick Encore$1,736$145
15Subaru Outback$1,740$145
16Honda CR-V$1,742$145
17Buick Envista$1,746$146
18Volkswagen Taos$1,750$146
19Kia Niro$1,760$147
20Toyota GR Corolla$1,774$148
21Honda HR-V$1,778$148
22Subaru Ascent$1,778$148
23Nissan Leaf$1,790$149
24Chevrolet Colorado$1,800$150
25Honda Civic$1,808$151
26Lexus NX 250$1,808$151
27Volkswagen Atlas$1,812$151
28Acura Integra$1,818$152
29Subaru Forester$1,818$152
30Volkswagen Atlas Cross Sport$1,820$152
31Kia Seltos$1,826$152
32GMC Terrain$1,828$152
33Nissan Rogue$1,836$153
34Hyundai Kona$1,838$153
35Mazda CX-30$1,844$154
36Cadillac XT4$1,846$154
37Volkswagen ID4$1,852$154
38Ford Explorer$1,854$155
39Toyota Highlander$1,858$155
40Ford Escape$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 West Fargo, ND Zip Codes. Updated June 27, 2025

Top 40 cheapest vehicles to insure in West Fargo, ND with the Subaru Crosstrek ranking first at $1,510 per year
Top 40 cheapest vehicles to insure in West Fargo, ND with the Subaru Crosstrek ranking first at $1,510 per year

The table above that contains 40 of the cheapest vehicles to insure in West Fargo is not the most useful way to show the complete picture of car insurance rates in West Fargo. Considering the fact that we have over 700 models in our database, only about 6% of vehicles are displayed. Let’s rethink this, dig deeper, and list the cheapest models in a more sensible format.

The next section of this article goes into more detail about the cost of insurance based on different automotive segments. The rates shown should give you a decent idea of the general vehicle types that have the best car insurance rates in West Fargo. Then the sections after the chart show the models with the most affordable car insurance in each unique segment.

Insurance rates by automotive segment

If you’re looking around at new or used cars, it’s advantageous to know which kinds of vehicles are more affordable to insure.

For instance, maybe you want to know if midsize cars have cheaper car insurance than full-size cars or if luxury cars or SUVs are more expensive to insure than non-luxury models.

The chart below displays average auto insurance rates by segment in West Fargo. From an overal segment perspective, small and midsize SUVs, vans and minivans, and midsize pickup trucks tend to have the least expensive rates, while sports cars and performance luxury models have the most expensive average cost to insure.

Car insurance average cost by automotive segment in West Fargo, ND.
Figure 2: Car insurance average cost by automotive segment in West Fargo, ND. Rates updated on June 26, 2025.

Data Methodology: Car insurance premium by automotive segment is based on 2024 model year vehicles. The rated driver is a 40-year-old male with no driving violations or at-fault accidents in the prior three years. Comprehensive and collision deductibles are $500 and rates are averaged for all West Fargo Zip Codes.

Car Insurance Rates by Automotive Segment in West Fargo, ND
Automotive Segment Annual Premium Cost Per Month
Compact SUV$1,878$157
Midsize SUV$2,016$168
Compact Car$2,018$168
Minivan$2,022$169
Midsize Pickup$2,062$172
Midsize Car$2,082$174
Compact Luxury SUV$2,214$185
Compact Luxury Car$2,246$187
Large SUV$2,256$188
Half-ton Pickup$2,264$189
Heavy Duty Pickup$2,348$196
Midsize Luxury SUV$2,428$202
Midsize Luxury Car$2,504$209
Sports Car$2,808$234
Large Car$2,938$245
Large Luxury SUV$3,162$264
Large Luxury Car$3,266$272

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 2024 model year vehicles and also for all West Fargo, ND Zip Codes. Updated June 26, 2025

Auto insurance rates by segment are handy to make a general comparison, but insurance rates for specific models range quite a lot within each vehicle category shown above.

For example, in the small luxury car segment, West Fargo car insurance rates range from the Acura Integra costing $1,818 per year for full coverage insurance to the BMW M340i costing $2,494 per year, a difference of $676 within that segment. As another example, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe costing $1,918 per year to the Toyota Sequoia at $2,556 per year, a difference of $638 within that segment.

In the following sections, we remove some of this variability by analyzing the cost of auto insurance in West Fargo from a model perspective.

Cheapest cars to insure in West Fargo

The four cheapest non-luxury cars to insure in West Fargo are the Toyota GR Corolla at $1,774 per year, Nissan Leaf at $1,790 per year, Honda Civic at $1,808 per year, and Nissan Sentra at $1,872 per year.

Other cars that have cheaper rates include the Chevrolet Malibu, Toyota Corolla, Honda Accord, and Kia K5, with an average cost of $1,992 per year or less.

From a cost per month standpoint, full-coverage auto insurance on this segment in West Fargo for a safe driver will start around $148 per month, depending on where you live and the company you use.

If ranked by vehicle size, the lowest-cost non-luxury compact car to insure in West Fargo is the Toyota GR Corolla at $1,774 per year, or $148 per month. For midsize 2024 models, the Kia K5 has the cheapest rates at $1,968 per year, or $164 per month. And for full-size non-luxury cars, the Chrysler 300 has the cheapest rates at $1,944 per year, or $162 per month.

The next table ranks the twenty cars with the most affordable car insurance rates in West Fargo.

Cheapest Insurance for Cars in West Fargo, North Dakota
Make and Model Vehicle Size Annual Premium Cost Per Month
Toyota GR CorollaCompact$1,774$148
Nissan LeafCompact$1,790$149
Honda CivicCompact$1,808$151
Nissan SentraCompact$1,872$156
Subaru ImprezaCompact$1,878$157
Toyota PriusCompact$1,910$159
Kia K5Midsize$1,968$164
Honda AccordMidsize$1,972$164
Chevrolet MalibuMidsize$1,982$165
Toyota CorollaCompact$1,992$166
Kia ForteCompact$1,996$166
Volkswagen ArteonMidsize$2,008$167
Nissan VersaCompact$2,014$168
Subaru LegacyMidsize$2,016$168
Hyundai Ioniq 6Midsize$2,032$169
Mitsubishi Mirage G4Compact$2,062$172
Volkswagen JettaCompact$2,066$172
Toyota CrownMidsize$2,068$172
Hyundai SonataMidsize$2,072$173
Mazda 3Compact$2,112$176

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 West Fargo, ND Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large cars to insure in West Fargo, ND, with the Toyota GR Corolla ranking first at $1,774 per year.
Ranking of the cheapest compact, midsize, and large cars to insure in West Fargo, ND, with the Toyota GR Corolla ranking first at $1,774 per year.

For more car insurance comparisons, see our guides for compact car insurance, midsize car insurance, and full-size car insurance.

Need rates for a different vehicle? That’s no problem! Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from top-rated car insurance companies in North Dakota.

SUVs with affordable auto insurance in West Fargo

The lowest-cost SUVs to insure in West Fargo are the Subaru Crosstrek at $1,510 per year, the Chevrolet Trailblazer at $1,536 per year, and the Kia Soul at $1,596 per year.

Not the cheapest to insure, but still ranked well, are SUVs like the Ford Bronco Sport, Buick Envision, Hyundai Venue, and Mazda CX-5, with average annual insurance rates of $1,674 per year or less.

In the bottom half of the top 20, SUVs like the Volkswagen Tiguan, Subaru Outback, Subaru Ascent, Honda HR-V, Volkswagen Taos, and Honda CR-V average between $1,674 and $1,778 per year for auto insurance.

On a monthly basis, auto insurance on this segment in West Fargo starts at an average of $126 per month, depending on the company and where you live.

The cheapest non-luxury compact SUV to insure in West Fargo is the Subaru Crosstrek at $1,510 per year. For midsize 2024 SUV models, the Honda Passport is the cheapest model to insure at $1,628 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,918 per year.

The comparison table below ranks the twenty SUVs with the most affordable average insurance rates in West Fargo, starting with the Subaru Crosstrek at $1,510 per year and ending with the Subaru Ascent at $1,778 per year.

Cheapest Insurance for SUVs in West Fargo, North Dakota
Make and Model Vehicle Size Annual Premium Cost Per Month
Subaru CrosstrekCompact$1,510$126
Chevrolet TrailblazerCompact$1,536$128
Kia SoulCompact$1,596$133
Nissan KicksCompact$1,608$134
Honda PassportMidsize$1,628$136
Buick EnvisionCompact$1,638$137
Toyota Corolla CrossCompact$1,646$137
Hyundai VenueCompact$1,660$138
Mazda CX-5Compact$1,666$139
Ford Bronco SportCompact$1,674$140
Volkswagen TiguanCompact$1,690$141
Nissan MuranoMidsize$1,718$143
Buick EncoreCompact$1,736$145
Subaru OutbackMidsize$1,740$145
Honda CR-VCompact$1,742$145
Buick EnvistaMidsize$1,746$146
Volkswagen TaosCompact$1,750$146
Kia NiroCompact$1,760$147
Honda HR-VCompact$1,778$148
Subaru AscentMidsize$1,778$148

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 West Fargo, ND Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large SUVs to insure in West Fargo, ND, with the Subaru Crosstrek ranking first at $1,510 per year.
Ranking of the cheapest compact, midsize, and large SUVs to insure in West Fargo, ND, with the Subaru Crosstrek ranking first at $1,510 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.

Don’t see rates for your SUV? No sweat! Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get free car insurance quotes from the best companies in North Dakota.

Pickup trucks with cheap auto insurance rates

The four cheapest pickups to insure in West Fargo are the Chevrolet Colorado at $1,800 per year, Nissan Titan at $1,908 per year, Nissan Frontier at $1,932 per year, and Ford Ranger at $1,952 per year.

Some other pickups that rank well are the Hyundai Santa Cruz, Honda Ridgeline, GMC Sierra 2500 HD, and GMC Canyon, with average rates of $2,102 per year or less.

From a cost per month standpoint, auto insurance rates in this segment will start around $150 per month, depending on your location and insurance company.

The rate comparison table below ranks the twenty pickups with the cheapest car insurance in West Fargo, starting with the Chevrolet Colorado at $1,800 per year ($150 per month) and ending with the Ram Truck at $2,364 per year ($197 per month).

Cheapest Insurance for Pickups in West Fargo, North Dakota
Make and Model Vehicle Size Annual Premium Cost Per Month
Chevrolet ColoradoMidsize$1,800$150
Nissan TitanFull-size$1,908$159
Nissan FrontierMidsize$1,932$161
Ford RangerMidsize$1,952$163
Ford MaverickMidsize$1,982$165
Honda RidgelineMidsize$2,028$169
Hyundai Santa CruzMidsize$2,062$172
Toyota TacomaMidsize$2,070$173
GMC Sierra 2500 HDHeavy Duty$2,076$173
GMC CanyonMidsize$2,102$175
Jeep GladiatorMidsize$2,154$180
GMC Sierra 3500Heavy Duty$2,166$181
Chevrolet Silverado HD 3500Heavy Duty$2,184$182
Chevrolet Silverado HD 2500Heavy Duty$2,242$187
GMC SierraFull-size$2,256$188
Chevrolet SilveradoFull-size$2,258$188
Nissan Titan XDHeavy Duty$2,260$188
Ford F150Full-size$2,284$190
GMC Hummer EV PickupFull-size$2,344$195
Ram TruckFull-size$2,364$197

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 West Fargo, ND Zip Codes. Updated June 27, 2025

Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in West Fargo, ND, with the Chevrolet Colorado ranking first at $1,800 per year.
Ranking of the cheapest midsize, full-size, and heavy-duty trucks to insure in West Fargo, ND, with the Chevrolet Colorado ranking first at $1,800 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 your pickup model? Enter your zip code at the bottom of the above table and click the orange ‘GO’ button to get cheap West Fargo car insurance quotes from top companies in North Dakota.

Cheapest sports car insurance rates

Ranking at the top of the list for the cheapest West Fargo auto insurance rates in the sports car and performance segment are the Subaru WRX, Toyota GR86, Mazda MX-5 Miata, Ford Mustang, and BMW Z4. Car insurance quotes for these models average $2,290 or less per year, or around $191 per month.

Also ranking well are cars like the BMW M2, Nissan Z, Toyota GR Supra, and Subaru BRZ, with an average cost of $2,444 per year or less.

Ranked in the bottom half of the top 20 cheapest sports cars to insure, models like the Porsche 718, Mercedes-Benz AMG GT53, Porsche Taycan, Chevrolet Corvette, and BMW M3 average between $2,444 and $3,460 to insure per year in West Fargo.

On a monthly basis, car insurance in this segment for a safe driver will start around $158 per month, depending on where you live and the company you use.

The table below ranks the twenty sports cars with the lowest-cost average car insurance rates in West Fargo.

Cheapest Insurance for Sports Cars in West Fargo, North Dakota
Make and Model Vehicle Type Annual Premium Cost Per Month
Mazda MX-5 MiataSports Car$1,892$158
Toyota GR86Sports Car$2,152$179
Ford MustangSports Car$2,244$187
BMW Z4Sports Car$2,256$188
Subaru WRXSports Car$2,290$191
Toyota GR SupraSports Car$2,294$191
BMW M2Sports Car$2,360$197
Nissan ZSports Car$2,366$197
Lexus RC FSports Car$2,416$201
Subaru BRZSports Car$2,444$204
BMW M3Sports Car$2,582$215
Porsche 718Sports Car$2,630$219
Chevrolet CamaroSports Car$2,656$221
Chevrolet CorvetteSports Car$2,828$236
Porsche 911Sports Car$2,928$244
BMW M4Sports Car$3,048$254
Lexus LC 500Sports Car$3,064$255
Jaguar F-TypeSports Car$3,222$269
Mercedes-Benz AMG GT53Sports Car$3,382$282
Porsche TaycanSports Car$3,460$288

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 West Fargo, ND Zip Codes. Updated June 27, 2025

Ranking of the cheapest sports cars to insure in West Fargo, ND, with the Mazda MX-5 Miata ranking first at $1,892 per year.
Ranking of the cheapest sports cars to insure in West Fargo, ND, with the Mazda MX-5 Miata ranking first at $1,892 per year.

Need rates for a different vehicle? Enter your zip code at the bottom of the table above and click the orange ‘GO’ button to get free car insurance quotes from the best companies in West Fargo.

Luxury cars with affordable insurance rates

Taking the top ranking in West Fargo for cheapest auto insurance in the luxury sedan segment is the Acura Integra, with an average cost of $1,818 per year. Second place is the BMW 330i at $2,080 per year, and in third place is the Mercedes-Benz CLA250, at an average of $2,102 per year.

Not the cheapest to insure, but still ranked well, are luxury cars like the Genesis G70, Lexus RC 300, Cadillac CT4, and Lexus ES 350, with average cost of $2,148 per year or less.

Ranking between positions 10 and 20, models like the BMW 228i, BMW 330e, Lexus IS 350, Jaguar XF, and Audi S3 average between $2,148 and $2,292 per year for insurance in West Fargo.

From a monthly standpoint, auto insurance in this segment for a middle-age safe driver can cost as low as $152 per month, depending on the company and your location.

The table below ranks the cars with the most affordable car insurance rates in West Fargo, starting with the Acura Integra at $152 per month and ending with the Audi S3 at $191 per month.

Cheapest Insurance for Luxury Cars in West Fargo, North Dakota
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura IntegraCompact$1,818$152
BMW 330iCompact$2,080$173
Mercedes-Benz CLA250Midsize$2,102$175
Lexus IS 300Midsize$2,106$176
Acura TLXCompact$2,114$176
Cadillac CT4Compact$2,134$178
Lexus ES 350Midsize$2,134$178
Genesis G70Compact$2,140$178
Mercedes-Benz AMG CLA35Midsize$2,144$179
Lexus RC 300Midsize$2,148$179
Lexus IS 350Compact$2,158$180
Jaguar XFMidsize$2,162$180
Cadillac CT5Midsize$2,200$183
Lexus ES 250Midsize$2,210$184
BMW 330eCompact$2,218$185
Lexus RC 350Compact$2,218$185
BMW 228iCompact$2,222$185
BMW 230iCompact$2,240$187
Lexus ES 300hMidsize$2,242$187
Audi S3Compact$2,292$191

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 West Fargo, ND Zip Codes. Updated June 27, 2025

Ranking of the cheapest compact, midsize, and large luxury cars to insure in West Fargo, ND, with the Acura Integra ranking first at $1,818 per year.
Ranking of the cheapest compact, midsize, and large luxury cars to insure in West Fargo, ND, with the Acura Integra ranking first at $1,818 per year.

For all luxury car insurance comparisons, see our full luxury car insurance guide.

Is your vehicle not in the list? No sweat! Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get free West Fargo car insurance quotes from the best car insurance companies in North Dakota.

Most affordable luxury SUVs to insure

The three highest ranking luxury SUV models with the most affordable average auto insurance rates in West Fargo are the Acura RDX at $1,708 per year, the Lexus NX 250 at $1,808 per year, and the Cadillac XT4 at $1,846 per year.

Some other luxury SUVs that have cheaper rates include the Lexus UX 250h, Mercedes-Benz GLB 250, Lexus NX 350h, and Lexus NX 450h, with average annual insurance rates of $1,970 per year or less.

Ranking between positions 10 and 20, models like the Land Rover Evoque, Infiniti QX60, Acura MDX, Mercedes-Benz GLA35 AMG, Mercedes-Benz GLA250, and Mercedes-Benz AMG GLB35 cost between $1,970 and $2,050 per year to insure.

From a cost per month standpoint, full-coverage auto insurance in West Fargo on this segment for a middle-age safe driver starts at an average of $142 per month, depending on your location and insurance company.

When prices are compared by vehicle size, the cheapest small luxury SUV to insure in West Fargo is the Acura RDX at $1,708 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,910 per year. And for large luxury SUVs, the Infiniti QX80 is most affordable to insure at $2,292 per year.

The rate comparison table below ranks the twenty luxury SUVs with the cheapest average auto insurance rates in West Fargo.

Cheapest Insurance for Luxury SUVs in West Fargo, North Dakota
Make and Model Vehicle Size Annual Premium Cost Per Month
Acura RDXCompact$1,708$142
Lexus NX 250Compact$1,808$151
Cadillac XT4Compact$1,846$154
Jaguar E-PaceMidsize$1,910$159
Cadillac XT5Midsize$1,928$161
Lexus NX 350hCompact$1,928$161
Lincoln CorsairCompact$1,952$163
Mercedes-Benz GLB 250Compact$1,956$163
Lexus UX 250hCompact$1,958$163
Lexus NX 450hCompact$1,970$164
Infiniti QX50Midsize$1,986$166
Mercedes-Benz GLA250Compact$1,994$166
Cadillac XT6Midsize$1,998$167
Mercedes-Benz GLA35 AMGCompact$1,998$167
Infiniti QX60Midsize$2,010$168
Mercedes-Benz AMG GLB35Midsize$2,014$168
Land Rover EvoqueCompact$2,038$170
Acura MDXMidsize$2,042$170
Lexus NX 350Compact$2,050$171
Lexus RX 350Midsize$2,050$171

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 West Fargo, ND Zip Codes. Updated June 26, 2025

Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in West Fargo, ND, with the Acura RDX ranking first at $1,708 per year.
Ranking of the cheapest compact, midsize, and large luxury SUVs to insure in West Fargo, ND, with the Acura RDX ranking first at $1,708 per year.

See our guide for luxury SUV insurance to view luxury vehicles not shown in the table.

Looking for rates for a different luxury SUV? Enter your zip code at the bottom of the table and click the orange ‘GO’ button to get cheap West Fargo car insurance quotes from top companies in North Dakota.

Tips for cheaper West Fargo auto insurance rates

Smart drivers in West Fargo are always looking to reduce the monthly expense for insurance So look through the money-saving ideas in the list below and it’s very likely you can save some money when buying car insurance.

  • Your employment could reduce your rates. The vast majority of car insurance providers offer discounts for specific professions like emergency medical technicians, members of the military, accountants, architects, firefighters, dentists, and others. By earning this discount on your policy you may save between $61 and $199 on your car insurance bill, depending on your age.
  • Lower the cost of your policy by increasing deductibles. Boosting your physical damage deductibles from $500 to $1,000 could save around $374 per year for a 40-year-old driver and $724 per year for a 20-year-old driver.
  • Shop your coverage around. Setting aside a few minutes every year or so to get some free car insurance quotes is a fantastic way to save money. Rates change frequently and switching companies is very easy to do.
  • Cheaper rates come with better credit scores. Having an excellent credit rating above 800 could save up to $321 per year versus a lower credit score of 670-739. Conversely, a mediocre credit rating could cost up to $372 more per year. Not all states use credit score as a rating factor, so check with your agent or company.
  • Driving violations increase insurance rates. In order to get the cheapest auto insurance in West Fargo, it pays to be an excellent driver. In fact, just a couple traffic violations have the ramification of spiking the cost of a policy by up to $546 per year. Serious citations such as driving under the influence or reckless driving could raise rates by an additional $1,900 or more.
  • Avoid filing small claims. Car insurance companies give a discount for not filing any claims. Insurance should only be used for larger claims, not nickel-and-dime type claims.
  • More discounts means cheap auto insurance rates. Discounted rates may be available if the insured drivers work in certain occupations, are senior citizens, are good students, drive a vehicle with safety or anti-theft features, choose electronic billing, or many other discounts which could save the average West Fargo driver as much as $344 per year on the cost of auto insurance