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Best Local Car Insurance Agencies in Fargo, ND

Our Recommended Top 10

We did the research for you!

  • Licensing
  • User Reviews
  • Mystery Shopping Calls

Our goal is to connect people with the best local professionals. We scored Fargo Local Car Insurance Agencies on more than 25 variables across five categories, and analyzed the results to give you a hand-picked list of the best.

62Reviewed

41Curated

10Top Picks

Learn about our selection process.

Providers

featured provider = Featured Provider

3357 39th Street South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Google
4.9 (36)
Facebook
5.0 (2)

Why choose this provider?

Far North Insurance is a family-owned and family-operated business that provides risk management solutions to individuals and families in Fargo, North Dakota, and across the midwest. From personal lines to business coverage, it works to link the protection customers need to the life they want. As an independent agency, it represents multiple carriers, including Auto Owners, Progressive, Foremost, Safeco, CNA Surety, and Hagerty. The professionals at Far North have over 60 years of industry experience.

  • Full Commercial Lines
  • Multiple Carriers
  • Bundling Option

428 25th Street South, Fargo, ND 58103

Expertise.com Rating

Review Sources

Google
4.0 (56)

Why choose this provider?

Established in 1972, Fargo Moorhead Insurance is a Fargo-based independent insurance agency specializing in auto, homeowners, business, health, and life insurance. The agency understands that being involved in any type of accident is anyone's worst nightmare, therefore its team of professional agents is prepared to plan contingencies to provide clients with physical safety and financial security via an auto insurance policy. Additionally, the agency also offers a comprehensive safety net that covers all of a family's insurance needs, whose coverage is entirely up to the client's preferences and needs.

  • Multiple Carriers

3345 39th Street South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Google
4.5 (8)
Facebook
5.0 (4)
Yelp
5.0 (1)

Why choose this provider?

Hektner-Lybeck-Erickson Insurance is a professional and full-service insurance agency that serves residential and commercial clients in Fargo and nearby areas in the Tri-state area. It offers a complete line of insurance services such as comprehensive auto insurance related to physical damage and acts of nature, motorcycle insurance, boat insurance, health insurance, and commercial insurance. The company is composed of a well-qualified workforce of professional staff capable of evaluating the needs of each client.

  • Multiple Carriers

1704 Main Avenue, Fargo, ND 58103

Expertise.com Rating

Review Sources

Google
4.6 (29)
Facebook
5.0 (9)

Why choose this provider?

Yahnke Insurance Agency is an independent insurance agency in Fargo that represents many companies offering personal and commercial lines insurance products. Serving the states of North Dakota and Minnesota, its team of professionals helps clients insure privately owned and commercial cars and vehicles. Auto insurance coverage may include collision and comprehensive, liability, and personal injury protection. The agency's professional auto insurance agents can also assist in selecting the right insurance coverage for antique cars.

  • Multiple Carriers

3220 4th Street East, West Fargo, ND 58078

Expertise.com Rating

Review Sources

Google
4.9 (125)
Facebook
4.7 (69)
Yelp
5.0 (2)

Why choose this provider?

Great North Insurance Services is an insurance firm in Fargo that is licensed to do business in 26 states. It has a comprehensive line of insurance products, including auto insurance. Its agents take on the task of helping motorists find suitable insurance programs that will support them financially in the event of an automotive emergency. Great North Insurance Services also offers specialty insurance for boats, motorcycles, and RVs. The Fargo Moorhead West Fargo Chamber of Commerce awarded it Small Business of the Year in 2016.

  • Multiple Carriers

3441 45th Street South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Facebook
5.0 (22)
Google
5.0 (10)

Why choose this provider?

Heritage Insurance Services is a family-owned and operated insurance business managing the auto insurance plans of Fargo car owners and drivers. The business determines the risks of each client before shopping for auto protection coverages. Its team is equipped to curate auto policies with various coverages such as comprehensive, collision, and uninsured and underinsured motorist. Clients can also include bodily injury and property damage as additional protection. The company also donates to non-profit organizations, contributes to local scholarships, and participates in community projects.

  • Multiple Carriers

1002 28th Street South, Fargo, ND 58103

Expertise.com Rating

Review Sources

Google
5.0 (30)

Why choose this provider?

Superior Insurance Agency is a local car insurance provider in the Fargo area. Its team of agents has over 50 years of collective experience in the field. They specialize in crafting auto insurance and recreational vehicle insurance plans. Customers may also opt to bundle their home and auto insurance policies under Superior Insurance Agency to maximize the benefits that they can receive. In addition, 24-hour customer and claim services are available.

  • Motorcyle & ATV

3285 47th Street South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Google
4.9 (49)
Facebook
5.0 (35)

Why choose this provider?

OnPoint Insurance Services is an insurance solutions company operating in the Fargo metro and surrounding cities. The company has a team of experienced car insurance agents that helps clients navigate their options for protecting themselves and their vehicles from unforeseen traffic accidents, damages, and liabilities. It also offers coverage for recreational vehicles such as ATVs, snowmobiles, and motorcycles. OnPoint Insurance Services works with over 150 insurance providers and offers 24-hour customer service.

  • Multiple Carriers
  • Motorcyle & ATV
  • Bundling Option

4675 40th Avenue South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Google
4.0 (46)

Why choose this provider?

Based in North Dakota, Todd Vanyo is a State Farm insurance agent providing insurance products and services to locals in Fargo and nearby areas. He offers comprehensive car insurance with coverage options for collision and non-collision accidents, theft and vandalism, liability to others, medical and funeral expenses, emergency road service, and uninsured or underinsured motor vehicles. Clients may also avail of specialized insurance coverage for car rental and travel expenses, rideshare drivers, new and teen drivers, sports cars, and classic and antique cars.

3611 Lincoln Street South, Fargo, ND 58104

Expertise.com Rating

Review Sources

Google
4.9 (17)
Facebook
5.0 (2)

Why choose this provider?

RJ Bailey Insurance Center is an independent agency that has been offering car insurance services since 2009. The business caters to clients in Fargo and the surrounding areas. Its team of local advisors provides insurance for cars, trucks, motorcycles, classic cars, and motor homes through policies that include collision and comprehensive coverage options. They also deal with other personal and commercial insurance products, such as property, business, health, and life insurance.

  • Multiple Carriers

Compare our Top Local Car Insurance Agencies

NameExpertise RatingAddressPromotionsLearn more
Far North Insurance
3357 39th Street South, Fargo, ND 58104
Fargo Moorhead Insurance
428 25th Street South, Fargo, ND 58103
Hektner-Lybeck-Erickson Insurance
3345 39th Street South, Fargo, ND 58104
Yahnke Insurance Agency
1704 Main Avenue, Fargo, ND 58103
Great North Insurance
3220 4th Street East, West Fargo, ND 58078
Heritage Insurance Services - Fargo
3441 45th Street South, Fargo, ND 58104
Superior Insurance Agency - Fargo
1002 28th Street South, Fargo, ND 58103
OnPoint Insurance Services
3285 47th Street South, Fargo, ND 58104
Todd Vanyo
4675 40th Avenue South, Fargo, ND 58104
RJ Bailey Insurance Center
3611 Lincoln Street South, Fargo, ND 58104

FAQs

  • Introduction

    A way to stay protected while on the road, car insurance offers a financial safety net should accidents occur, regardless of who's at fault. The right car insurance agency can be very valuable, providing a way to purchase an ideal level of auto insurance coverage for personal circumstances. Agencies can help customers select the most beneficial coverage options while saving money on their insurance plan. With help from a qualified agency, it's possible to feel safe and secure behind the wheel.

  • Can insured Fargo drivers collect damages from other drivers if they are more than 50% responsible for an accident?

    No. Even if they are insured, Fargo motorists who are more than 50% responsible for an accident cannot collect any damages from other drivers because North Dakota follows modified comparative negligence laws. If their level of responsibility falls below 50%, compensation can be awarded to them, but it will be reduced in proportion to their own fault.

  • What is the average cost of minimum and full coverage car insurance policies in Fargo?

    In Fargo, the average cost of minimum car insurance amounts to approximately $43 per month or $521 annually. This is roughly 22% lower than the national average. On the other hand, the typical expense for full coverage insurance in Fargo averages around $146 per month or $1,746 per year, which is about 21% less than the national average car insurance cost.

  • How much deductible is typically included in collision and comprehensive coverage in Fargo?

    Typically, this category of car insurance incorporates a deductible, which can vary from $100 to $1,000. The insurance provider covers expenses exceeding the deductible amount chosen by a Fargo policyholder in the event of vehicle damage. Opting for a higher deductible translates to a reduced premium because the relationship between these two variables is based on risk-sharing and cost-sharing principles.

  • How much will standard collision coverage pay for car repairs in Fargo?

    In Fargo, standard collision coverage will pay for any repairs up to the car’s fair market value. Fair market value refers to the amount of money that a carrier is willing to pay to settle a claim for a damaged or totaled vehicle. It represents the reasonable price that a vehicle of the same make, model, or condition would sell for in the open market just before the accident.

  • Which types of vehicles are covered by specialty auto insurance in Fargo?

    Fargo-based insurance providers offer specialized insurance packages to individuals passionate about automobiles, particularly those who own vintage cars, hot rods, and custom-crafted vehicles. Policyholders have a range of options, from agreed-upon value protection to coverage for replacement parts. Additionally, dedicated car collectors can take advantage of multi-vehicle discounts.

  • What is car insurance?

    Car insurance is a form of insurance that can cover damages to cars, drivers, passengers, and other property when an accident occurs. If another car crashes into a driver, or if a driver causes an accident, car insurance will pay most or all of the cost of repairs.