🚗 Car insurance cost in Fargo, ND (2027)

Estimated average: $1,828 per year — -15% vs. the U.S. average of $2,150.

By EPG Digital Editorial Team · Editorial & research teamUpdated September 2026 · Reviewed for accuracy by our editorial team
Cars on a street, representing auto insurance coverage — Fargo, North Dakota
Car insurance in Fargo is estimated at $1,828 per year, near the North Dakota average. Photo: Jeremy Segrott from Cardiff, Wales, UK (CC BY 2.0)

With about 133,181 residents, Fargo is a mid-size city and the largest city in North Dakota. Car insurance rates here are estimated at $1,828 per year, near the North Dakota average of $1,828 — a gap driven by local factors like traffic density, accident and theft rates, and repair costs. Below you can estimate a price for your own profile and compare Fargo with other North Dakota cities.

$1,828
Est. car insurance in Fargo
per year
$1,828
North Dakota average
$2,150
U.S. average
133,181
Population

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Fargo car insurance estimator

Estimated$3,199/year

Starts from the Fargo estimate. Get quotes to confirm your price.

Fargo car insurance FAQ

How much is car insurance in Fargo, ND?

The estimated average is $1,828 per year — about the state average (0% vs. the North Dakota average of $1,828, and -15% vs. the U.S. average).

Is car insurance more expensive in Fargo than elsewhere in North Dakota?

Fargo has about 133,181 residents. Larger metro areas usually see higher rates due to traffic density, claim frequency, and repair costs. Compare nearby cities in the chart above.

How do I get the cheapest car insurance in Fargo?

Compare at least three quotes from insurers active in Fargo, ask about local discounts, and re-shop yearly. Use the calculator to estimate your own price first.

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