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Cheap Car Insurance in Fargo, North Dakota

Find cheap car insurance in Fargo, the cultural, educational and commercial center of eastern North Dakota and northwest Minnesota. The seat and largest city in Cass County, Fargo is located on the Red River, which runs along the state line of Minnesota. Once a stopping point on the river for steamboats, Fargo today has about 121,000 residents, or an estimated 15 percent of the total population in North Dakota. The 1996 Academy Award winning movie bears the city’s name, but none of the footage in “Fargo” was shot in the city. Nearby is the smaller town of West Fargo, the site of the annual Pyrotechnics Guild International Convention held by the largest pyrotechnic community in the world.

Driving Conditions in Fargo

Fargo is located at the intersection of Interstate 94 and Interstate 29. Roads in town are a standard grid pattern, with north-south corridors called streets and east-west routes known as avenues. Minneapolis is 230 miles, or about 3 and a half hours, southeast of Fargo via I-94. The Canadian border is about 160 miles north. Barring winter storms, Fargo much easier for driving compared to other cities its size. The average commute for Fargo is only 15 minutes, according to U.S. Census Bureau, more than 10 minutes shorter than the national average. Information on road conditions, traffic and closures is available at or dial 511.

Unique Laws in Fargo

During the 1880s, Fargo became the “divorce capital” of the Midwest because of its lenient divorce laws. Antiquated laws in Fargo declare it illegal to sleep with one’s shoes on or wear a hat while dancing. More recently, city leaders passed an ordinance allowing residents to raise chickens within the city limits. The proposal had been discussed for years but only recently passed, credited in part to a national trend toward locally grown food.

Citing the constitutional right to bear arms, North Dakota in 2017 enacted new legislation allowing buyers to forgo background checks and classes once required to carry a concealed firearm.

Fargo Crime Statistics

Violent crime in Fargo is right at the national average, but property crimes are above average.

Data compiled by the Federal Bureau of Investigation for 2016 shows there were 467 violent crimes in Fargo, three of which were murder or manslaughter. The local violent crime rate of 385 offenses per 100,000 residents is just on incident below the national average of 386 offenses per 100,000 in the U.S.

The property crime rate in Fargo was 3,170 offenses per 100,000 residents, above the U.S. average of 2,451 incidents per 100,000 residents. Within the city, 315 vehicles were stolen in 2016, FBI data shows, a rate of 260 incidents per 100,000 residents. The national average is 236 incidents per 100,000 people.

Fargo Safety Requirements

As of 2017, children under age 8 or shorter than 4 feet, 9 inches tall must ride in a car seat or booster. The previous law applied to children 7 and under. Violations result in a $25 fine and driver’s license points. Also passed in 2017 is a distracted driving law that slaps drivers who commit a traffic violation while texting or reading a phone with a $100 fine. The previous law prescribed the same fine for simply driving and texting. Thus, eating a cheeseburger while driving isn’t necessarily a case of distracted driving, but doing so while running a red light is. All front seat occupants and everyone in the car under 18 must wear seat belts.

Fargo Impaired Driving Laws

Drivers with a BAC of .08 are charged with DUI in North Dakota, and those under 21 are charged with a BAC of .02. A first offense with a BAC level below .16 results in license suspension up to 91 days, while a first-time conviction with a BAC of .16 or more results in a 180-day suspension. In addition are fines of up to $750 and addiction evaluation. Second offenders receive 10 days in jail and a $1,500 fine, up to two years license suspension and must participate in the “24/7” sobriety program. Contact us to learn more about cheap car insurance in Fargo.

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Swapping your high heels for a pair of driving shoes can help you qualify for affordable car insurance by avoiding accidents and getting "safer driver" discounts.

It's easier to get discounted car insurance with a car that has a high safety rating than one without one.

When you are looking for car insurance, ask if the insurance company offers a policy where they forgive the first accident.

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