Car Insurance in West Fargo, ND – Cheapest Rates + Averages (2024)

• West Fargo car insurance averages $1,476 per year, or $123 as a monthly expense.
• Models like the Subaru Crosstrek, Chevrolet Trailblazer, Ford Bronco Sport, and Honda CR-V are the best choices for cheap car insurance in West Fargo.
• A few vehicles with the most affordable car insurance in West Fargo in their automotive segment include the Acura RDX, Honda Passport, Toyota GR Corolla, Mercedes-Benz CLA250, and Hyundai Ioniq 6.

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

In West Fargo, the average cost of car insurance is $1,476 per year, which is 24.2% less than the overall national average rate of $1,883. Per month, West Fargo car insurance costs around $123 for a full coverage policy.

In the state of North Dakota, the average car insurance expense is $1,608 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, $170 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 – $5,258 per year or $438 per month
• 17-year-old rated driver – $5,093 per year or $424 per month
• 18-year-old rated driver – $4,566 per year or $381 per month
• 19-year-old rated driver – $4,157 per year or $346 per month
• 20-year-old rated driver – $2,972 per year or $248 per month
• 30-year-old rated driver – $1,578 per year or $132 per month
• 40-year-old rated driver – $1,476 per year or $123 per month
• 50-year-old rated driver – $1,308 per year or $109 per month
• 60-year-old rated driver – $1,224 per year or $102 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 car insurance rates in the previous chart range from $1,034 per year for a policy with high deductibles for a 60-year-old driver to $3,454 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 $86 to $288.

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 $1,200 or less per year to have full coverage.

Other models that have affordable insurance prices in our car insurance cost comparison are the Volkswagen Taos, 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 $1,264 or less per year, or about $105 per month.

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

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.

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 $1,312 per year for full coverage insurance to the BMW M340i costing $1,806 per year, a difference of $494 within that segment. As another example, in the large SUV segment, the average insurance cost ranges from the Chevrolet Tahoe costing $1,386 per year to the Toyota Sequoia at $1,848 per year, a difference of $462 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 $1,280 per year, Nissan Leaf at $1,294 per year, Honda Civic at $1,306 per year, and Nissan Sentra at $1,352 per year.

Other cars that have cheaper rates include the Honda Accord, Chevrolet Malibu, Kia K5, and Toyota Prius, with an average cost of $1,430 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 $107 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 $1,280 per year, or $107 per month. For midsize 2024 models, the Hyundai Ioniq 6 has the cheapest rates at $1,356 per year, or $113 per month. And for full-size non-luxury cars, the Chrysler 300 has the cheapest rates at $1,402 per year, or $117 per month.

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

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 $1,090 per year, the Chevrolet Trailblazer at $1,108 per year, and the Kia Soul at $1,150 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 $1,208 per year or less.

In the bottom half of the top 20, SUVs like the Volkswagen Tiguan, Subaru Outback, Honda HR-V, Subaru Ascent, Volkswagen Taos, and Honda CR-V average between $1,208 and $1,286 per year for auto insurance.

On a monthly basis, auto insurance on this segment in West Fargo starts at an average of $91 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 $1,090 per year. For midsize 2024 SUV models, the Honda Passport is the cheapest model to insure at $1,176 per year. And for large SUVs, the Chevrolet Tahoe is cheapest to insure at $1,386 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 $1,090 per year and ending with the Honda HR-V at $1,286 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 $1,260 per year, Nissan Titan at $1,384 per year, Nissan Frontier at $1,394 per year, and Ford Ranger at $1,412 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 $1,522 per year or less.

From a cost per month standpoint, auto insurance rates in this segment will start around $105 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 $1,260 per year ($105 per month) and ending with the Ram Truck at $1,706 per year ($142 per month).

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 $1,656 or less per year, or around $138 per month.

Also ranking well are cars like the BMW M2, Nissan Z, Toyota GR Supra, and Subaru BRZ, with an average cost of $1,766 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 $1,766 and $2,502 to insure per year in West Fargo.

On a monthly basis, car insurance in this segment for a safe driver will start around $114 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.

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 $1,312 per year. Second place is the BMW 330i at $1,502 per year, and in third place is the Mercedes-Benz CLA250, at an average of $1,518 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 $1,550 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 $1,550 and $1,654 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 $109 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 $109 per month and ending with the Audi S3 at $138 per month.

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 $1,234 per year, the Lexus NX 250 at $1,306 per year, and the Cadillac XT4 at $1,332 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 $1,422 per year or less.

Ranking between positions 10 and 20, models like the Acura MDX, Infiniti QX60, Land Rover Evoque, Cadillac XT6, Mercedes-Benz GLA250, and Mercedes-Benz AMG GLB35 cost between $1,422 and $1,480 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 $103 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 $1,234 per year. For midsize 2024 models, the Jaguar E-Pace is the cheapest model to insure at $1,380 per year. And for large luxury SUVs, the Infiniti QX80 is most affordable to insure at $1,654 per year.

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

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 $44 and $144 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 $300 per year for a 40-year-old driver and $588 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 $232 per year versus a lower credit score of 670-739. Conversely, a mediocre credit rating could cost up to $269 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 $394 per year. Serious citations such as driving under the influence or reckless driving could raise rates by an additional $1,370 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 $250 per year on the cost of auto insurance