Auto Insurance

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Don’t settle: make SURE you have what you need before you head out on the road.

Being involved in an accident is every driver’s worst nightmare. And while planning for contingencies makes good sense, how can you be ready for everything? No matter what the road ahead brings, Fargo Moorhead Insurance provides you a comprehensive safety net covering all your family’s insurance needs, backed with the most dependable agent support should your family ever face an accident.

The cheapest auto insurance may not be the best insurance for your needs. But rest assured, our agents will find you the best auto insurance rates to keep your costs low.

In addition to car insurance, we also offer a number of other insurance policies for different vehicles, including:

Z Auto
Z Motorcycle
Z Boats
Z Personal watercraft
Z RV’s
Z ATV’s / Off-road vehicles
Z Trailers
Z Classic Cars
Z Snow mobiles

CLICK HERE for your free, no-obligation auto insurance quote, boat insurance quote, or any other item listed above.

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    How much car insurance do I need in Fargo Moorhead?

    Each state has different legal requirements for how much insurance their drivers must carry.

    Below are the minimum insurance requirements for Minnesota and North Dakota. However, it’s important to keep in mind that these minimum requirements offer only basic coverage which is why it’s important for most drivers to consider upgrading their coverage for more comprehensive protection.

    Car insurance requirements in Minnesota:

    Z Bodily injury liability: $30,000 per person and $60,000 per accident
    Z Property damage liability: $10,000
    Z Personal injury protection (PIP): $40,000
    Z Uninsured motorist coverage: $25,000 per person and $50,000 per accident
    Z Underinsured motorist coverage: $25,000 per person and $50,000 per accident

    Car insurance requirements in North Dakota:

    Z Bodily injury: $25,000 per person and $50,000 per accident
    Z Property damage: $25,000 per accident
    Z Uninsured motorist: $25,000 per person and $50,000 per accident
    Z Underinsured motorist: $25,000 per person and $50,000 per accident
    Z Basic personal injury protection: $150 per week with a $30,000 maximum

    Do I need comprehensive and collision insurance?

    Comprehensive insurance is meant to cover drivers and vehicle owners from damages to their vehicles from things other than collisions. This includes theft, vandalism, and damage from storms or falling objects. Without this coverage, you would be left covering these costs on your own. So, if you are not prepared to pay a few thousand (or more) out of pocket in the event your vehicle is damaged or stolen, comprehensive insurance is a good idea for most drivers (particularly if their vehicle is worth more than $3000).

    On the other hand, collision insurance can help cover your own damages if you’re in a car accident. The legally required insurance coverage doesn’t give you adequate protection in the event you’re left facing thousands of dollars of car repair bills or having to replace your vehicle entirely.

    Although collision and comprehensive insurance are considered optional forms of coverage, most drivers explore these options because of the incredible peace of mind and the financial benefits it gives them. It’s also worth noting if you lease or finance a vehicle, you will almost always be required to have collision and comprehensive insurance.

    Whether you are interested in getting the minimum car insurance amounts to protect your investment or you’re ready to explore more comprehensive protection, we’re here to help you find what you need at a price that works for you. Call us today and we’ll get started!

    CLICK HERE for your free, no obligation car insurance quote from Fargo Moorhead Insurance.

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    For all of your personal and commercial insurance needs, Fargo Moorhead Insurance has been servicing clients in the Fargo Moorhead area for 50 years.