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Car Insurance
Fargo ND
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No Long Forms
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(888) 291-7830
(888) 291-7830
Written by: Andrew Brown
Quality Checked by: Samantha Reed
North Dakota is one of the most expensive states in the nation when it comes to car insurance rates. North Dakotans pay an average of $1,312 annually for their auto coverage, which is well above what other states typically pay. The primary factor driving up Fargo car insurance rates is higher than national averages for uninsured motorists, with North Dakota having the highest rate in the nation. North Dakotans also pay more for their car insurance because of an increased risk of accidents due to severe weather—the state experiences a high number of tornadoes and hailstorms every year. North Dakotans should consider all available options when looking for auto coverage, including comparing rates among multiple providers, seeking discounts such as loyalty programs, and taking advantage of safety features like anti-lock brakes or airbags. With some research and smart shopping strategies, North Dakotans can save money on their car insurance policy.
Auto insurance rates in Fargo North Dakota can vary widely depending on a person's age. For young people, the premiums are typically higher than for more experienced drivers due to their lack of experience and propensity for risk-taking behaviors. Older drivers tend to have lower auto insurance rates because they are viewed as less likely to be involved in an accident or other incident that could lead to costly repairs and medical bills. North Dakotans who are over 25 years old may qualify for discounts on their auto insurance if they maintain a safe driving record, so it pays to shop around for the best deal. It’s also important to remember that Fargo residents must carry liability insurance coverage at all times in order to be legally allowed to drive on public roads. Liability coverage helps protect drivers from the costs of damage they may cause to other people or property while on the road. North Dakota also requires all drivers to carry uninsured/underinsured motorist coverage, which provides financial protection if they are involved in an accident with a driver who is not adequately insured. It’s important to be aware of North Dakota's auto insurance requirements before you get behind the wheel. Knowing what kind of coverage you need and how much it will cost can help you make sure you're getting the best rate possible for your situation.
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| State Farm | American Family | Grinnell Mutual | Auto Owners | Progressive |
| NAIC Market Share | 16.14% | 2.28% | 2.56% | 1.28% | 13.45% |
| S&P Global Ratings | AA | A | A | AA- | A |
| Average Full Coverage Yearly Premium | $1,272 | $2,063 | $1,471 | $2,675 | $2,979 |
| Discount Rating | 4 stars | 5 stars | 3 stars | 5 stars | 5 stars |
|
| State Farm | American Family | Grinnell Mutual | Auto Owners | Progressive |
| NAIC Market Share | 16.14% | 2.28% | 2.56% | 1.28% | 13.45% |
| S&P Global Ratings | AA | A | A | AA- | A |
| Average Full Coverage Yearly Premium | $1,272 | $2,063 | $1,471 | $2,675 | $2,979 |
| Discount Rating | 4 stars | 5 stars | 3 stars | 5 stars | 5 stars |
|
| State Farm | American Family | Grinnell Mutual | Auto Owners | Progressive |
| NAIC Market Share | 16.14% | 2.28% | 2.56% | 1.28% | 13.45% |
| S&P Global Ratings | AA | A | A | AA- | A |
| Average Full Coverage Yearly Premium | $1,272 | $2,063 | $1,471 | $2,675 | $2,979 |
| Discount Rating | 4 stars | 5 stars | 3 stars | 5 stars | 5 stars |
1704 Main Ave, Fargo, ND 58103
(701) 232-5722
http://www.yahnke.com/
428 25th St S, Fargo, ND 58103
(701) 271-8110
http://www.fargomoorheadinsurance.com/
4001 19th Ave S, Fargo, ND 58103
(469) 649-0940
https://www.cheapcarinsurance.net/
4141 31st Ave S, Fargo, ND 58104
(617) 580-2484
https://www.cheapcarinsurance.net/
3402 13th Ave S, Fargo, ND 58103
(866) 806-3105
http://carinsurancequotes.agency/fargo-nd.php
4125 Great Plains Dr S, Fargo, ND 58104
(701) 280-2423
https://www.auto-owners.com/
North Dakota has some of the most competitive car insurance rates in the country. To get the best deal on auto coverage for Fargo drivers, it is important to compare different insurance companies and their offerings. Our research team has sourced data from North Dakota’s top car insurers to find out who offers the best coverage at the lowest cost. By comparing prices and features from each company, North Dakotans can make an informed choice when selecting car insurance. Read on to learn more about North Dakota's leading car insurers and how they stack up against each other.
The first company we looked at was Farmers Insurance, which offers competitive rates and a variety of discounts for Fargo drivers including those with clean records, multi-car policies and more. Farmers also provides a range of coverage options to choose from, such as liability only, full coverage and rental car reimbursement. North Dakotans can take advantage of their 24/7 customer service for any questions about claims or policy changes.
Next is North Dakota Farm Bureau Insurance, which offers North Dakotan drivers a range of discounts including those for good driving records, military members and more. North Dakota Farm Bureau also provides comprehensive coverage with options that include liability only, full coverage and roadside assistance. Fargo North Dakotans will appreciate the quick response times when filing claims as well as their helpful customer service team who are always available to answer questions.
Finally, Northstar Insurance Company is North Dakota’s leading provider of low-cost car insurance. Northstar offers North Dakotans a range of discounts including those for good drivers, multi-car policies and more. Northstar also provides comprehensive coverage with options that include liability only, full coverage and emergency roadside assistance. Fargo North Dakotans can take advantage of Northstar's 24/7 customer service for any questions about claims or policy changes.
After comparing all the providers in Fargo, our research team found that Farmers Insurance provides the best overall value for North Dakotan drivers who are looking for competitive rates and a variety of discounts. North Dakota Farm Bureau is another great option if you prefer to have more coverage options such as roadside assistance and rental car reimbursement.
| Driving Infraction Type | Average Annual Premium | Potential Quote Savings |
| DUI | $2588 | $809 |
| Reckless Driving | $2310 | $823 |
| Wrong Way/Wrong Lane | $2255 | $806 |
| Driving on Sus. License | $2243 | $732 |
| Illegal Turn | $2228 | $725 |
| Failure to Obey Traffic Sign | $2020 | $737 |
| Speeding over 15 | $1963 | $724 |
| Defective Equipment | $1941 | $692 |
| Speeding under 15 | $1922 | $627 |
North Dakota is no different than any other state when it comes to driving infractions increasing insurance premiums. Depending on the severity of an offense, such as speeding or reckless driving, Fargo drivers may see their premium increase substantially. North Dakota does have a point system for assessing penalties for traffic violations. Drivers accumulate points when they are found guilty of an infraction and these points are used to calculate how much their insurance rate will be increased by. The North Dakota Department of Transportation explains that a driver can be given two to six points for each conviction and additional penalties may also apply depending on the violation itself. Additionally, North Dakotans who are convicted of a moving violation while out of state may still receive North Dakota license points, which will affect their North Dakota insurance premium. North Dakotans should be aware that even a single driving infraction can result in a substantial increase in their North Dakota auto insurance rate, so it is important to practice safe and responsible driving at all times.
| Credit Rating | Average Rate |
| Average of All Credit Ratings | $1262 |
| Below Fair | $2004 |
| Poor | $2169 |
| Worst | $2379 |
When it comes to auto insurance, Fargo residents may be wondering if their credit score matters when trying to obtain cheaper quotes. The answer is yes, your credit score can have an impact on the cost of your auto insurance quote. Insurers look at a person's credit score as part of their risk assessment when providing quotes. Those with higher credit scores typically receive more favorable rates than those with lower scores.
Insurance companies use a variety of factors when determining how they set premiums, and one of them is your credit history. Fargo North Dakotans should know that having poor or no credit history can make it difficult to get approved for coverage or qualify for the lowest rates due to the increased risk. For North Dakotans with poor credit, it may be wise to get copies of their credit reports and dispute any errors or inaccuracies. Additionally, North Dakotans should pay bills on time and maintain a healthy credit score in order to qualify for the most affordable auto insurance rates.
For Fargo drivers looking for cheap auto insurance quotes, understanding the factors that affect your premium can help you make an informed decision about which policy is best for you. Credit scores are just one factor among many that insurers consider when calculating premiums, so North Dakotans should shop around for the best deal possible. With some research and due diligence, North Dakota residents can find affordable coverage that meets their needs without breaking the bank.
When researching Fargo auto loans, it is important to consider the total monthly cost of your vehicle. While North Dakota offers competitive interest rates and flexible loan terms, don't forget to factor in additional costs such as insurance premiums, fuel expenses, and any other maintenance or repairs that may be necessary. Consider these factors before signing on the dotted line so you can ensure you're getting the best deal for your hard-earned money. It's always a good idea to do some research ahead of time and be aware of potential pitfalls when shopping around for North Dakota auto loans. With careful consideration and smart financial planning, you'll be able to find an affordable North Dakota auto loan that works for both your budget and lifestyle.
Compare vehicle costs and car insurance rates across various cities within your state, such as the following 1, 2, 3, 4, 5, 6, 7, 8, 9, 10 in order to gain a more comprehensive understanding of the average costs and potential savings. By doing so, you can identify any discrepancies between total costs and better evaluate your current vehicle purchase and insurance plan. This can also provide insight into factors that may affect total costs, such as local crime rates, population density, and frequency of natural disasters.
In Fargo, you have the choice of selecting full coverage or liability only auto insurance. Full coverage auto insurance provides more protection than liability only coverage but typically comes with a higher premium. With full coverage, you are covered for your own damages if you are in an accident, as well as any property damage or injury to others that may be caused by you. Liability only insurance covers injuries and property damage caused by another driver when they are at fault in an accident. The most common type of North Dakota liability-only policy is called 25/50/25, which provides up to $25,000 per person in bodily injury coverage, up to $50,000 total per accident if multiple people are injured and up to $25,000 in property damage coverage. North Dakota law requires that all drivers carry a minimum of 25/50/25 liability insurance. It is important to note that Fargo North Dakota does not require drivers to carry uninsured motorist coverage. However, this type of coverage can offer additional protection if you are hit by an uninsured driver or if you are involved in a hit-and-run accident. Ultimately, the decision between purchasing full coverage or liability only auto insurance depends on your individual needs and budget. It is important to compare quotes and speak with an insurance agent who specializes in North Dakota auto insurance to make sure you purchase the right policy for your situation.
Non-owner car insurance in Fargo is an important coverage option for individuals who do not own their own vehicle, but have frequent need of a car. North Dakota requires all drivers to maintain certain liability limits and non-owner policies serve as supplemental coverage when rented vehicles are used. Non-owner policies also provide liability protection in the event that the driver is sued due to a car accident. North Dakota law requires that uninsured motorist coverage be included in any policy purchased, though higher limits can be chosen if desired. Depending on the needs of the individual, North Dakota non-owner policies can include a variety of additional coverages such as medical payments and collision damage waiver for rental vehicles. Non-owner policies can provide financial security by protecting the driver from potential costly legal expenses associated with an accident. Fargo drivers should consider purchasing a non-owner car insurance policy if they are frequent renters or borrowers of cars. It is important to be aware that North Dakota non-owner policies do not carry comprehensive coverage, so any damage sustained to the vehicle itself will not be covered. North Dakota drivers who own their own vehicles should purchase standard auto insurance for complete protection.
Fargo drivers have access to many car insurance discounts that can help them save money on their policy. Some of the most popular discounts include those for low mileage, good driving records, and no accidents. Additionally, North Dakota residents may be eligible for special discounts based on their occupation or if they are members of certain organizations. North Dakota also offers multi-car and multi-policy discounts which can significantly reduce the cost of auto insurance coverage. Lastly, North Dakota's safe driver discount rewards customers who maintain a clean driving record by providing discounted premiums in exchange for being accident free. By taking advantage of these available discounts North Dakotans can potentially save hundreds of dollars each year on their car insurance premiums.
North Dakota is the perfect state for parents of teenage drivers, because North Dakota offers some of the best auto insurance coverage and laws to help protect young drivers. North Dakota requires all drivers to carry a minimum amount of liability coverage in case their adolescent causes an accident. Additionally, North Dakota offers programs such as graduated licensing for teen drivers that are designed to help them become more responsible and safe motorists over time. North Dakota also has a number of resources available for parents who need additional guidance concerning teenage driving safety, including courses on defensive driving techniques and seatbelt use. Ultimately, Fargo is a great place for teenagers and their families when it comes to obtaining proper auto insurance coverage.
Fargo Seniors in North Dakota have several options when it comes to car insurance. North Dakota law requires drivers over the age of 65 to carry liability coverage and to show proof that they are able to pay for any damages caused in an accident. North Dakota also offers a low-cost auto insurance program which includes both liability and collision coverage for those with limited incomes. In addition, North Dakota is one of the few states that allows for senior discounts on car insurance premiums. This can be a great way for seniors living in North Dakota to save money on their car insurance.
For seniors who don't meet the requirements for a discount, Fargo has many other options available as well. Shopping around and comparing rates from different companies can help seniors find the best rates on car insurance in North Dakota. Additionally, North Dakota law requires all car insurance companies to offer loyalty discounts for customers who have been with them for three or more years. Taking advantage of these discounts could help North Dakota seniors save even more on their auto insurance premiums.
If you have been cited for certain traffic violations in Fargo, the state may require you to obtain an SR-22 insurance certificate. North Dakota law requires drivers who are considered high-risk (due to having several traffic violations or a prior DUI/DWI conviction) to file an SR-22 form with the North Dakota Department of Transportation as proof that they have obtained adequate liability coverage. You can contact your local North Dakota DMV office or your insurance provider to find out if you need SR-22 insurance and how to get it. Once you have obtained an SR-22 insurance policy, make sure that you keep the policy active and up-to-date in order to maintain compliance with North Dakota's laws. If there is any lapse in coverage, your policy will be cancelled and your North Dakota driver's license may be suspended.
If you're looking for SR-22 insurance in Fargo, it's important to shop around and compare different providers to get the best deal. North Dakota residents can use our free quotes tool to compare rates from multiple providers in their area and find the most affordable policy that meets their needs. Get started now to take advantage of this valuable resource!
It's never been easier to shop around for affordable car insurance. You can use online tools to instantly get quotes from car insurance companies in Fargo, North Dakota. You can also compare rates to other cities in your state such as these: 1, 2, 3, 4, 5, 6, 7, 8.
Make sure to get the right amount of coverage you need. Do you only need Liability insurace, which provides minimum coverage? Some people require Full Coverage, especially when the car is financed.
Once you've done the research, comparison shopped the rates you found, and figured out your discounts, you're now ready to buy the best and cheapest car insurance in Fargo, ND. If you're looking for coverage after a DUI conviction then take a look at North Dakota SR22.
Bundling auto and homeowners insurance in Fargo promises potential savings and convenience by combining both coverages under a single policy. The advantages of bundling include potential cost reductions and streamlined management. Fargo insurance companies often offer discounts to policyholders who bundle their auto and homeowners insurance, resulting in noticeable savings. This consolidated approach simplifies paperwork, provides a single point of contact for inquiries and claims, and streamlines payments. However, it's crucial to evaluate the coverage and terms of the bundled policy to ensure they align with your specific needs. Bundling may limit your flexibility to choose different providers and access specialized coverage options.
While bundling auto and homeowners insurance offers cost savings and convenience, it's important to consider individual circumstances and insurance requirements. Factors such as location, asset value, driving record, and home characteristics can influence the cost and coverage of the policies. For example, check out the different rates of each of these locations numbered 1, 2, 3, 4, 5, 6, 7, 8, 9, and 10. Assessing potential benefits against specific needs will determine whether bundling is truly worth the savings. Comparing quotes, reviewing policy details, and considering alternatives are essential steps to ensure you have the right coverage in Fargo at the best price. Ultimately, making an informed decision will lead to a suitable insurance solution.
The materials on this website have been created for informational purposes only and are not intended as legal advice. The law changes frequently and the information may not be complete or correct depending on a number of factors.
Meet our car insurance expert, Andrew Brown. With over 20 years of experience in the insurance industry, Andrew has become an authority in the world of car insurance. Throughout his career, he has helped countless individuals and families find the right coverage for their unique needs and budget. With his in-depth knowledge of the industry, Andrew is dedicated to providing helpful tips, advice, and insights to empower drivers to make informed decisions about their car insurance.
