📍Fargo, ND

Find Insurance Agents in Fargo, ND

Fargo has 39 insurance agents averaging 4.8 stars across 2,684 reviews. The most popular services are auto (21 agents), home (21 agents), life (21 agents).

39
Licensed Agents
4.8/5
Avg. Rating
12 yrs
Avg. Experience
7
Service Types

Insurance in Fargo, North Dakota

Key insurance factors and local considerations for Fargo residents.

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Auto Insurance in Fargo

North Dakota drivers pay an average of $1,655/yr for auto insurance — 27% below the national average of $2,264. With extreme winter driving conditions and long rural distances, comprehensive coverage is especially important. North Dakota is an choice no-fault state with minimum liability of 25/50/25.

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Home Insurance in Fargo

Homeowners in North Dakota pay $2,277/yr on average — 12% below the national average.

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Life Insurance in Fargo

With a median household income of $53,413, Fargo residents have diverse life insurance needs. Approximately 55% of North Dakota households carry life insurance.

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Renters Insurance in Fargo

Many Fargo residents rent. Renters insurance averages $165/yr in North Dakota, protecting personal property and beyond.

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Final Expense Insurance in Fargo

With a growing senior community and regional funeral costs averaging $7,500, final expense insurance helps Fargo families avoid financial burden. No-exam whole life policies are widely available through local agents.

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Pet Insurance in Fargo

Many Fargo households own pets. With average vet visit costs of $55 in North Dakota, pet insurance can offset unexpected expenses. Accident-only and comprehensive plans are available through local agents.

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Health Insurance in Fargo

North Dakota has a 8% uninsured rate. Residents can find plans through the federal marketplace at healthcare.gov. Open enrollment runs November through January.

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📊Local Data

Fargo, ND Insurance by the Numbers

Key insurance, driving, and demographic statistics for Fargo and North Dakota to help you make informed coverage decisions.

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130,828
City Population
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56,978
Households
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580,918
Licensed Drivers in ND
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$53,413
Median Household Income
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Auto Insurance

$1,655/yr
Avg. auto premium in ND
13%
Uninsured motorist rate
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Home Insurance

$2,277/yr
Avg. homeowners premium in ND
$190/mo
Monthly cost estimate
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Renters Insurance

$165/yr
Avg. renters premium in ND
$14/mo
Monthly cost estimate
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Motorcycle Insurance

$350/yr
Avg. motorcycle premium in ND
Under 18
Helmet law requirement
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Health Insurance

8%
Uninsured rate in ND
Federal (HC.gov)
ACA Marketplace type
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Life Insurance

55%
Life insurance ownership rate
Above Avg.
Life expectancy rank
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Business Insurance

80,000
Small businesses in ND
Required
Workers' comp status
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Final Expense

16%
Population age 65+
$7,500
Avg. funeral cost
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Pet Insurance

70%
Pet ownership rate
$55
Avg. vet visit cost

Sources: NHTSA, FHWA, IRC, NAIC, Bankrate, MoneyGeek, US Census Bureau. State-level averages; individual rates vary.

Insurance FAQ — Fargo, ND

What types of insurance can I find in Fargo, ND?
Insurance agents in Fargo offer pet insurance, final expense insurance, auto insurance, home insurance, life insurance, renters insurance, and health insurance. With 39 agents serving the area, you can compare coverage options and find the policy that best fits your needs and budget.
How do I choose an insurance agent in Fargo?
Fargo has 39 licensed insurance agents with an average rating of 4.8 out of 5. Look for agents with strong customer reviews, experience in the coverage you need, and willingness to explain your options. Comparing quotes from multiple agents is the best way to ensure competitive pricing.
Why are so many drivers uninsured in North Dakota?
North Dakota has an uninsured motorist rate of 13%, which is above the national average. High premiums, economic hardship, and limited enforcement all contribute to more drivers going without coverage. If you live in Fargo, carrying uninsured/underinsured motorist (UM/UIM) coverage is strongly recommended to protect yourself financially.
How much does car insurance cost in Fargo, ND?
The average car insurance premium in North Dakota is $1,655 per year, which is below the national average of $2,264. Your actual rate in Fargo depends on your driving history, vehicle type, coverage levels, and credit score. Getting quotes from multiple Fargo agents is the best way to find your lowest rate.
Do I need flood insurance in Fargo?
Fargo faces weather risks that include extreme cold, blizzards, flooding, making flood insurance an important consideration. Standard homeowners policies do not cover flood damage, so a separate flood policy through the NFIP or a private insurer is necessary if your property is in or near a flood-prone area. A local Fargo agent can help you assess your specific risk.
How much does renters insurance cost in Fargo?
Renters insurance in North Dakota averages about $165 per year, or roughly $14 per month. That's below the national average of $189 per year. Your actual cost in Fargo depends on your coverage limits, deductible, and any bundled discounts with other policies.
Why are so many people uninsured in Fargo?
In Fargo, the state's overall uninsured rate is 13%, which exceeds national averages. Contributing factors include the cost of premiums, limited employer-sponsored options, and gaps in Medicaid eligibility. A licensed health insurance agent in Fargo can help you explore marketplace plans, short-term coverage, or Medicaid options to find affordable protection.

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