For a 40-year-old driver with a clean record, car insurance in Fargo, ND, averages about $147 a month ($1,764 a year) for full coverage, based on the rates insurers had filed with state regulators as of Aug. 31, 2026. That’s 10% below the North Dakota average of $164 a month. Progressive has the lowest full-coverage average of the five insurers we price, at about $112 a month.
Fargo is the second-least expensive of the 15 North Dakota cities and towns in our city table, after West Fargo, and our benchmark driver pays about $17 a month less here than the North Dakota average. Cheap car insurance in Fargo, ND, starts with the right insurer: the gap between the lowest and highest insurer averages here is far wider than the gap between ZIP codes.
Our figures cover the three ZIP codes with a Fargo mailing address that we price, which run from about $146 a month in 58104 to $148 in 58102 and 58103, so compare Fargo car insurance quotes by insurer first. Another ZIP code that lies in the city, 58105, isn’t among the ZIP codes we price.
Cost data comes from the auto rates insurers file with state regulators, priced across all three Fargo ZIP codes in our data, compiled by Quadrant Information Services and updated as new rates are filed.
Rates as of Aug. 31, 2026. Page reviewed Oct. 5, 2026.
How Much Is Car Insurance in Fargo, ND?
Car insurance in Fargo, ND, costs about $147 a month ($1,764 a year) for full coverage and $40 a month for liability-only coverage at North Dakota’s 25/50/25 liability minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 10% below the North Dakota average of $164 a month.
- Full coverage (100/300/100, $500 deductibles): $1,764 a year ($147 a month)
- 50/100/50 with $500 deductibles: $1,747 a year ($146 a month)
- Liability only (25/50/25): $475 a year ($40 a month)
- Cass County: $1,759 a year ($147 a month) for full coverage
- North Dakota average: $1,963 a year ($164 a month) for full coverage
- ZIP code range: $146 (58104) to $148 (58102 and 58103) a month for full coverage
Cheapest Car Insurance in Fargo, ND: Companies Compared
Of the five insurers we price in Fargo, Progressive has the lowest full-coverage average, about $112 a month ($1,349 a year), 11% below Nodak Insurance, which is effectively tied with State Farm for second. North Star Mutual has the lowest liability-only average of the five, about $27 a month, with Progressive close behind at $29.
- Lowest average in our data, full coverage: Progressive, at about $112 a month ($1,349 a year).
- Next lowest among the insurers we rank: Nodak Insurance and State Farm, effectively tied at $126 and $127, then North Star Mutual at $178.
- Lowest liability-only average (25/50/25): North Star Mutual, at about $27 a month, then Progressive at $29.
- Also on our list: Auto-Owners at about $121 a month, USAA at $123, GEICO at $203 and Allstate at $279 (USAA sells only to military families).
- Most expensive among insurers we rank: American Family, at about $192 a month, $952 a year more than Progressive for the same driver and car.
Progressive has the lowest full-coverage average among the five insurers in our Fargo rate data. The seven published 2026 statewide North Dakota rate studies we reviewed disagree on the cheapest insurer for full coverage, apart from USAA: two put GEICO first, two State Farm, one North Star Mutual and one Auto-Owners, and one has GEICO and American Family tied. For liability-only coverage at 25/50/25 limits, North Star Mutual has the lowest average among the insurers we price, at about $27 a month, with Progressive close behind at $29.
Full-coverage averages by insurer in Fargo
Monthly, for the same driver and car. Insurers marked with an asterisk in the table below aren’t in the chart.
Rates insurers filed with state regulators, compiled by Quadrant Information Services, as of Aug. 31, 2026. Benchmark 40-year-old driver, 100/300/100 with $500 deductibles.
| Insurance Company: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): |
|---|---|---|---|---|
| Progressive | $342 | $29 | $1,349 | $112 |
| Nodak Insurance | $627 | $52 | $1,509 | $126 |
| State Farm | $461 | $38 | $1,529 | $127 |
| North Star Mutual | $322 | $27 | $2,132 | $178 |
| American Family | $622 | $52 | $2,301 | $192 |
| Auto-Owners* | $398 | $33 | $1,450 | $121 |
| USAA (military families)* | $409 | $34 | $1,475 | $123 |
| GEICO* | $641 | $53 | $2,432 | $203 |
| Allstate* | $1,075 | $90 | $3,349 | $279 |
| Fargo average | $475 | $40 | $1,764 | $147 |
This table uses Fargo ZIP codes only, so compare Fargo car insurance quotes against it. See how we calculated these rates. Your own price depends on your car, driving record and coverage, so compare car insurance quotes before you buy.
Fargo Car Insurance Rates by ZIP Code
Across the three Fargo ZIP codes we price, full coverage for our driver ranges from about $146 a month in 58104 to $148 in 58102 and 58103, a gap of $23 a year. 58104, on the south side, is the least expensive Fargo ZIP code in our data, while 58102, on the north side, and 58103 both average about $148 a month.
Lowest-priced Fargo ZIP code
Highest-priced Fargo ZIP codes
Search the table for your ZIP code. The last column shows how far each ZIP code is above or below Fargo’s average.
| ZIP Code: | Minimum Liability 25/50/25 (Yearly): | Minimum Liability 25/50/25 (Monthly): | Full Coverage (Yearly): | Full Coverage (Monthly): | Full Coverage vs. City Average: |
|---|---|---|---|---|---|
| 58102 | $474 | $40 | $1,770 | $148 | +1% |
| 58103 | $482 | $40 | $1,772 | $148 | +1% |
| 58104 | $468 | $39 | $1,749 | $146 | -1% |
Your ZIP code matters
How Much More Does Better Coverage Cost in Fargo?
Raising liability limits from 50/100/50 to 100/300/100 barely changes the average in our Fargo data: with the same $500 deductibles, full coverage averages $1,764 a year and 50/100/50 averages $1,747. The full-coverage package doubles the per-person injury limit, triples the per-crash limit and doubles the property damage limit, and it raises uninsured and underinsured motorist coverage to 100/300. Nodak Insurance charges less for 100/300/100 than for 50/100/50 for our benchmark driver.
Is Car Insurance Going Up in Fargo?
Not for our benchmark driver. Comparing the same insurers in the same Fargo ZIP codes, full coverage averaged $1,876 a year in rates as of Nov. 30, 2025, and $1,764 as of Aug. 31, 2026, a 6.0% drop. North Star Mutual cut its Fargo average 14.2%, Progressive 6.8%, Nodak Insurance 3.9% and American Family 3.5%, while State Farm raised its average 2.6%. Liability-only coverage at 25/50/25 limits fell 2.9%, led by Progressive, which cut its liability-only average 13.6%.
What Keeps Car Insurance Costs Down in Fargo
Cass County, home to Fargo, West Fargo and Horace, averages about $147 a month for full coverage, the least expensive of the 13 North Dakota counties we price. West Fargo, next door to the west, averages about $143 a month, the lowest of the 15 places we price, and Horace, to the southwest, $149.
Progressive averages about $112 a month here, its lowest of the four North Dakota cities we publish a guide for, though it’s a little lower still in West Fargo. Liability-only prices vary more: Nodak Insurance’s Fargo average, about $52 a month, is its highest anywhere in our North Dakota data, matched only in West Fargo. Prices depend on where in North Dakota you live, not just on your car and driving record.
How Fargo Car Insurance Compares With Other North Dakota Cities
More North Dakota cities and towns are in the North Dakota rates by city table, and you can compare states on our car insurance rates by state page.
Grand Forks, about 73 miles north, averages $156 a month. Wahpeton, about 43 miles south, averages $153 and Valley City, about 57 miles west, $157. Bismarck and Minot, in the west, average $174 and $175. For the statewide picture, see our guide to North Dakota car insurance rates.
What Car Insurance Is Required in Fargo?
Drivers in Fargo follow North Dakota’s rules. Every policy must include at least:
- $25,000 per person and $50,000 per crash for injuries you cause, and $25,000 for property damage (25/50/25)
- Uninsured and underinsured motorist coverage of at least $25,000 per person and $50,000 per crash
- $30,000 per person in basic no-fault coverage (personal injury protection)
North Dakota is a no-fault state for injuries, so your own policy pays your medical bills and lost wages up to its limits, whoever caused the crash, according to the North Dakota Insurance and Securities Department. Our North Dakota requirements guide covers the penalties for driving uninsured.
How to Lower Your Car Insurance Rate in Fargo
- Compare Progressive, Nodak Insurance and State Farm first. Progressive has the lowest full-coverage average among the insurers we rank in Fargo, about $112 a month, and Nodak Insurance and State Farm are effectively tied for next, at about $126 and $127 a month.
- Quote several insurers. Among the insurers we rank in Fargo, the lowest and highest averages are about $80 a month apart for the same driver and car.
- Know who pays your deductible. If an uninsured driver damages your car, North Dakota courts must order that driver to pay your insurance deductible, under N.D.C.C. 39-08-20.1, so keep the court record if it happens to you.
- Compare at every renewal. Since November 2025, North Star Mutual has cut its Fargo average 14.2%, Progressive 6.8%, Nodak Insurance 3.9% and American Family 3.5%, while State Farm has raised its average 2.6%, so the order in our table can shift.
- Ask about discounts and check your deductible. Many insurers lower rates for a clean driving record, paying in full or insuring more than one car, so ask which discounts you qualify for. Our full-coverage prices use $500 deductibles. A higher deductible lowers your premium but means you pay more yourself after a claim; see how car insurance deductibles work.
- Bundle your car and home insurance. Many insurers discount both policies when you buy them together. Check Fargo home insurance rates, and compare homeowners insurance quotes before you shop. Renters can often bundle a renters insurance policy too.
Ready to compare
How We Calculated Fargo Car Insurance Rates
Insurers must file their rates and rating rules with each state’s insurance regulator. Quadrant Information Services uses those filings to calculate what each insurer would charge a specific driver, and InsuranceQuotes analyzes those prices. This page uses rates in effect on Aug. 31, 2026.
- Sample: 15 full-coverage premiums from five insurers across three Fargo ZIP codes, plus the same number of liability-only and 50/100/50 premiums.
- Driver: a single 40-year-old driver, licensed 24 years, with good credit and no accidents or violations, driving a 2024 Toyota Camry LE they own, for personal use.
- Coverage: full coverage is 100/300/100 liability with $500 comprehensive and collision deductibles and 100/300 uninsured and underinsured motorist coverage. We also price 50/100/50 with the same deductibles, and liability-only coverage at North Dakota’s 25/50/25 minimum, with 25/50 uninsured and underinsured motorist coverage and no comprehensive or collision. Every North Dakota policy must also include $30,000 per person in basic no-fault coverage, also called personal injury protection; the requirements section of this page explains what it pays.
- Calculation: for each insurer we take its lowest eligible price in each ZIP code and average those prices across the ZIP codes. The overall average is the mean of every insurer-and-ZIP price. Monthly figures are annual premiums divided by 12 and rounded.
- Rankings: we name a cheapest insurer only where it’s priced in at least half the ZIP codes and its lead over the next insurer isn’t so wide that it looks like an outlier. Annual prices within 3% of each other are called effectively tied.
- Rate changes: we compare the same insurer in the same ZIP codes, for the same driver and coverage, in rates as of Nov. 30, 2025, and Aug. 31, 2026. All five insurers are in both sets of rates. Rate-change percentages are calculated from the annual premiums shown; other percentages use the rounded monthly figures.
- Insurers marked *: priced from published 2026 North Dakota rate studies, scaled to our benchmark driver. They aren’t included in our averages or rankings.
- What this isn’t: a quote. These are modeled prices for one driver profile, calculated from insurers’ rate filings. Your price depends on your ZIP code, vehicle, driving record, coverage choices and discounts.
Coverage requirements come from North Dakota law and the North Dakota Insurance and Securities Department. We refresh these figures when new rate data is released.
Fargo Car Insurance FAQ
Car insurance in Fargo, ND, costs about $147 a month ($1,764 a year) for full coverage and $40 a month for liability-only coverage at North Dakota’s 25/50/25 liability minimum, for a 40-year-old driver with a clean record, in rates filed as of Aug. 31, 2026. That’s 10% below the North Dakota average of $164 a month.
Of the five insurers we price in Fargo, Progressive has the lowest full-coverage average, about $112 a month ($1,349 a year), 11% below Nodak Insurance, which is effectively tied with State Farm for second. North Star Mutual has the lowest liability-only average of the five, about $27 a month, with Progressive close behind at $29. USAA, which sells only to military families, averages about $123 a month. Rates vary by driver, so compare quotes for your own car and ZIP code.
Yes, for our benchmark driver. West Fargo full coverage averages about $143 a month and Fargo about $147, a difference of about $4 a month for the same driver and car. West Fargo has the lowest full-coverage average of the 15 North Dakota cities and towns we price.
In our data, 58104 has the lowest full-coverage average in Fargo, at about $146 a month, and 58102 and 58103 the highest, at about $148. The ZIP code table on this page lists all three.
In our Fargo data, full coverage (100/300/100 with $500 deductibles) averages about $147 a month and liability-only coverage at 25/50/25 limits about $40, a difference of about $107 a month ($1,289 a year). Liability-only coverage won’t pay to repair or replace your own car after a crash, a theft or a storm. North Dakota law doesn’t require full coverage, but a lender or leasing company may.
Drivers in Fargo must carry North Dakota’s minimums: liability coverage of $25,000 per person and $50,000 per crash for injuries and $25,000 for property damage (25/50/25), uninsured and underinsured motorist coverage of at least 25/50, and $30,000 per person in basic no-fault coverage. North Dakota is a no-fault state for injuries, so your own policy pays your medical bills and lost wages up to that limit, whoever caused the crash.
Not for our benchmark driver. Comparing the same insurers and ZIP codes, Fargo full coverage fell 6.0% between November 2025 and August 2026, from about $1,876 to $1,764 a year. North Star Mutual cut its Fargo average 14.2%, Progressive 6.8%, Nodak Insurance 3.9% and American Family 3.5%, while State Farm raised its average 2.6%. Liability-only coverage at 25/50/25 limits fell 2.9%.
- About the Author
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Michael Giusti is a senior insurance analyst, business journalist, and university professor with over 20 years of experience. He serves as department chair at Loyola University New Orleans and contributes to Insurance Thought Leadership, U.S. News, and other leading financial outlets.
