Car Insurance in Fargo

Every driver in Fargo must have insurance before driving.  The state requires minimum levels of the following coverage¹:

• Bodily injury liability: Pays for injuries to others in an accident caused by you. 
  • Minimum requried: $25,000 per person, and $50,000 per accident
• Property damage liability: Helps pay for damage to property of others in an accident caused by you.
  • Minimum requried: $25,000 per accident

• Underinsured motorist protection: Covers physical and property damage resulting from an accident with another driver who has some auto insurance, but not enough to cover costs of the accident.
  • Minimum requried: $25,000 per person, and $50,000 per accident
• Uninsured motorist protection: Covers physical and property damage resulting from an accident with another driver who has no auto insurance.
  • Minimum requried: $25,000 per person, and $50,000 per accident
• Personal injury protection (PIP): Helps pay for medical costs, lost wages and more if you or your passengers are injured in an accident, regardless of which driver is at fault.
  • Minimum required: $30,000 per person

Other coverage to consider

Car insurance isn't a one-size-fits-all solution. We offer the following additional coverage to drivers living in North Dakota, and we provide continuous support as your needs change: 

• Collision coverage: Helps pay for car repairs after an accident. This includes accidents with other drivers, but can also extend to solo accidents—if you hit a tree or mailbox, for example.
• Comprehensive coverage: Covers car repairs for damage caused by events other than collisions, such as theft, vandalism, weather and natural disasters, etc.
• Medical payments coverage (MedPay): Helps pay medical costs if you or your passengers are injured in an accident, regardless of which driver is at fault.
  • NOTE: North Dakota does not allow both PIP and MedPay on a standard vehicle.

When it comes to car insurance in Fargo, it's more important to get the coverage you need—and that satisfies state laws—than focus on the cost.

Of course, price is still an important factor. According to NerdWallet, the average car insurance cost in North Dakota can vary, but is around $1,572 annually as of September 2024.²

There are many discounts to help you save on your auto insurance policy. Fargo auto insurance discounts³ range from different types of policies, driver histories or even safety. So many things affect your ability to save on Fargo car insurance.

• Safety discounts: Some auto discounts are specifically for teen drivers, defensive drivers, or people who equip their vehicles with anti-theft devices. Our DriverIQ Program uses smartphone app technology to give you feedback on your driving and can save you up to 25%.
• Driver discounts: We offer driver discounts for full-time students with a 3.0 GPA or higher, as well as good driver discounts for drivers who have remained accident-free for a specific amount of time, and more!

See all our car insurance discounts.

With our Multi-Policy Discount, you could bundle home, auto and other insurance products to save up to 30%³ on your total insurance cost. Ask your agent what other insurance products qualify and see if you're eligible today.