Car Insurance in Fargo, ND
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Why Is Fargo Car Insurance Important?
Fargo is more than just the largest city in North Dakota. It's also a major hub for art, culture, education and entertainment in the state. In addition to visiting the city's 150-plus parks, you can spend time at the Plains Art Museum, Fargo Theatre, Red River Zoo or the annual Fargo Film Festival.
There are many reasons why it's important to have dependable car insurance in Fargo, ND. One is the city's large and growing population. In 2020, 125,000 people were living in Fargo, almost 20,000 more than in 2010. As the population grows, so does the city's traffic, which leads to more accidents.
North Dakota State University
NDSU plays an important role in Fargo's identity, from its well-known Bison football team to the college-town feel that it gives the city. Over 26,000 students are enrolled in universities in Fargo, including Rasmussen University-North Dakota. About 60% of NDSU students live off campus, so they commute to classes during the week.
Daily Commuting Statistics
If your family is like the majority in Fargo, you own two or more vehicles. You probably use your car for work, errands, shopping and fun. About 80% of local households commute by car. Fargo has public transportation, but fewer than 2% of workers use it for commuting.
How Can Car Insurance in Fargo, ND Help You?
When you're on the road driving every day, you need good car insurance. Accidents can catch you by surprise on the interstate or in the city. With VIU by HUB, it's easy to compare a wide range of coverage:
- Property liability: Covers costs of damages to other vehicles
- Injury liability: Covers medical costs for other drivers or people injured in an accident
- Collision insurance: Pays for repairs or replacement of your vehicle after a crash
- Personal injury liability: Pays for your medical costs, treatment, medication and recovery needs following accidents
- Comprehensive coverage: Covers weather-related damage, vandalism, and vehicle/parts theft
Good coverage can protect your finances and help you get back on your feet quickly when a crash happens.
How Many Car Accidents Happen in Fargo?
According to the North Dakota Department of Transportation, there were over 3,500 crashes in the region in 2019. More than 1,000 people were injured and nine people died in crashes. This is an average of almost 70 accidents a week.
Significant Traffic
Fargo has multiple major roads traveling throughout the city, such as Interstate 94, Interstate 29, U.S. Highway 10 and U.S. Highway 75. Some of these high-speed roadways see an average of 70,000 vehicles or more each day. City streets also have significant traffic: about 24,000 vehicles a day.
Icy Roads
The city's freezing weather is something you need to take into account when shopping for car insurance. Fargo gets almost 50 inches of snow a year, and the temperature routinely drops below zero in winter. Almost six months of the year experience freezing temps, so icy roads, snowstorms and hail are common.
Almost 1,500 injuries and 5,000 crashes in North Dakota every year involve sliding off the road. Collision coverage can help in this type of single-vehicle crash.
How Much Does Car Insurance Cost in Fargo?
Car insurance in Fargo, ND, costs about $1,200 for full coverage. This is higher than some places in North Dakota but lower than the U.S. average. That said, prices vary significantly by insurer, and factors such as your vehicle's model affect your rates. Use VIU by HUB to get an accurate picture of car insurance coverage options and prices. Input your information and start comparing rates from various carriers.
This information is intended for general informational purposes only and is not intended to constitute legal advice.