Has it been over a year since you last compared quotes for cheaper Volkswagen Jetta insurance in Fargo? Sick and tired of paying out the nose to insure your Volkswagen every month? You're in the same situation as most other consumers in North Dakota.

Insurance rates Volkswagen Jetta in FargoIt's hard to fathom, but over 70% of drivers have stayed with the same insurance company for over three years, and 38% of customers have never compared rate quotes at all. With the average auto insurance premium being $2,000, North Dakota drivers could pocket about $700 a year by just shopping around, but they don't believe how much money they would save if they moved their coverage to a different company.

Due to the fact that there are so many companies to choose from that have lower-cost insurance for a Volkswagen Jetta in Fargo, it is hard for the average consumer to choose a lower cost insurer.

Cheap Volkswagen insurance prices in Fargo

The companies in the list below offer free rate quotes in North Dakota. If multiple companies are listed, we suggest you get prices from several of them to get the most affordable price.

Volkswagen Jetta Insurance Rates in Fargo, ND
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $238 $432 $312 $18 $94 $1,094 $91
Jetta S 2.5 Station Wagon $234 $394 $258 $16 $78 $980 $82
Jetta LE 4-Dr Sedan $140 $244 $308 $18 $92 $802 $67
Jetta SE 4-Dr Sedan $140 $286 $342 $20 $102 $890 $74
Jetta SE 2.5 Station Wagon $214 $374 $258 $16 $78 $940 $78
Jetta 2.0T 4-Dr Sedan $140 $302 $342 $20 $102 $906 $76
Jetta SEL 4-Dr Sedan $264 $464 $302 $18 $90 $1,138 $95
Jetta 2.0T Station Wagon $228 $478 $290 $18 $88 $1,102 $92
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Prices based on single male driver age 50, no speeding tickets, no at-fault accidents, $250 deductibles, and North Dakota minimum liability limits. Discounts applied include multi-vehicle, claim-free, safe-driver, homeowner, and multi-policy. Rates do not factor in vehicle garaging location which can decrease or increase prices considerably.

How accidents and violations affect rates

The diagram below demonstrates how citations and accident claims drive up Volkswagen Jetta premium costs for each different age group. The premium estimates are based on a single female driver, full physical damage coverage, $250 deductibles, and no discounts are factored in.

Full coverage versus liability only rates

The information below examines Volkswagen Jetta auto insurance costs with full physical damage coverage compared to only buying the minimum liability limits required in North Dakota. The premiums are based on no tickets, no at-fault accidents, $1,000 deductibles, married male driver, and no discounts are applied to the premium.

Should you pay for full coverage or liability only?

There is no written rule to stop buying physical damage insurance, but there is a general convention. If the yearly cost for physical damage coverage is more than about 10% of replacement cost minus your deductible, then you may want to consider only buying liability coverage.

For example, let's assume your Volkswagen Jetta replacement value is $3,000 and you have $1,000 deductibles. If your vehicle is totaled, the most your company will settle for is $2,000 after the policy deductible has been paid. If you are paying in excess of $200 a year for physical damage coverage, then you may want to consider only buying liability coverage.

There are some circumstances where removing full coverage is not recommended. If you have an outstanding loan on your vehicle, you have to keep full coverage to protect the lienholder's interest in the vehicle. Also, if you cannot afford to purchase a different vehicle in the even your car is totaled, you should not eliminate full coverage.

Rate comparison for different deductibles

The hardest decision when buying coverage is how high or low should comp and collision deductibles be. The rates shown below can help show the price difference when you buy lower versus higher insurance deductibles. The first data set uses a $100 deductible for physical damage and the second set of rates uses a $1,000 deductible.

Volkswagen Jetta insurance rates with $100 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $260 $470 $302 $18 $90 $1,165 $97
Jetta S 2.5 Station Wagon $260 $470 $258 $16 $78 $1,107 $92
Jetta LE 4-Dr Sedan $260 $470 $302 $18 $90 $1,165 $97
Jetta SE 4-Dr Sedan $294 $554 $302 $18 $90 $1,283 $107
Jetta SE 2.5 Station Wagon $294 $554 $258 $16 $78 $1,225 $102
Jetta 2.0T 4-Dr Sedan $294 $554 $302 $18 $90 $1,283 $107
Jetta SEL 4-Dr Sedan $294 $554 $302 $18 $90 $1,283 $107
Jetta 2.0T Station Wagon $294 $554 $258 $16 $78 $1,225 $102
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Volkswagen Jetta insurance rates with $1,000 deductibles
Model Comp Collision Liability Medical UM/UIM Annual Premium Monthly Premium
Jetta S 4-Dr Sedan $144 $248 $302 $18 $90 $802 $67
Jetta S 2.5 Station Wagon $144 $248 $258 $16 $78 $744 $62
Jetta LE 4-Dr Sedan $144 $248 $302 $18 $90 $802 $67
Jetta SE 4-Dr Sedan $164 $292 $302 $18 $90 $866 $72
Jetta SE 2.5 Station Wagon $164 $292 $258 $16 $78 $808 $67
Jetta 2.0T 4-Dr Sedan $164 $292 $302 $18 $90 $866 $72
Jetta SEL 4-Dr Sedan $164 $292 $302 $18 $90 $866 $72
Jetta 2.0T Station Wagon $164 $292 $258 $16 $78 $808 $67
Get Your Own Custom Quote Go

Data variables include married male driver age 30, no speeding tickets, no at-fault accidents, and North Dakota minimum liability limits. Discounts applied include multi-policy, multi-vehicle, safe-driver, homeowner, and claim-free. Table data does not factor in zip code location which can raise or lower coverage prices greatly.

Based on these figures, using a $100 deductible will cost you approximately $33 more each month or $396 for a full year than quoting the higher $1,000 deductible. Since the policyholder would be required to pay $900 more if you file a claim with a $1,000 deductible as compared to a $100 deductible, if you normally go at least 27 months between claim filings, you would save more money by going with a higher deductible. Here is a better example of how this determination is made.

Average monthly premium for $100 deductibles: $101
Average monthly premium for $1,000 deductibles (subtract): - $68
Monthly savings from raising deductible: $33
Difference between deductibles ($1,000 - $100): $900
Divide difference by monthly savings: $900 / $33
Number of months required between physical damage coverage claims in order to save money by choosing the higher deductible 27 months

An important sidenote is that higher deductibles means you pay more out-of-pocket when you have to file a claim. You need to have enough disposable savings in the event you need to pay more for the deductible.

Cheaper Volkswagen Jetta insurance quotes in Fargo

Car insurance is not inexpensive, but there may be some discounts that many consumers don't even know exist. Many of these discounts will be applied automatically when you get a quote, but once in a while a discount must be specifically requested prior to receiving the credit.

It's important to understand that some of the credits will not apply to the overall cost of the policy. Most only reduce the price of certain insurance coverages like medical payments or collision. So when the math indicates adding up those discounts means a free policy, it doesn't quite work that way. But all discounts should help reduce your policy cost.

A partial list of companies that may offer quotes with most of these discounts may include but are not limited to:

When getting free Fargo car insurance quotes, it's a good idea to all companies you are considering which discounts they offer. Some of the earlier mentioned discounts might not apply in Fargo. If you would like to choose from a list of car insurance companies that have a full spectrum of discounts in Fargo, click here to view.

Car insurance is available from agents near you

A lot of people would prefer to have an agent's advice and we recommend doing that A good thing about comparing car insurance online is the fact that you can find cheap car insurance rates but also keep your business local.

Fargo insurance agentsTo make it easy to find an agent, after completing this quick form, your insurance data is sent to insurance agents in Fargo who will give competitive quotes for your insurance coverage. There is no reason to search for any insurance agencies because prices are sent to you directly. You can get cheaper car insurance rates and an insurance agent to talk to. If you have a need to get a price quote from a specific car insurance provider, feel free to go to their quote page and complete a quote there.

Finding the right insurance company requires you to look at more than just a cheap price quote. Here are some questions you might want to ask.

If you want to use a reliable insurance agent, there are a couple of different agency structures and how they operate. Car insurance policy providers are categorized either independent agents or exclusive agents.

Exclusive Insurance Agencies

Agents that elect to be exclusive have only one company to place business with and examples are Allstate, State Farm and Farm Bureau. They usually cannot provide prices from multiple companies so keep that in mind. These agents are well trained in insurance sales and that allows them to sell at a higher price point.

Listed below are Fargo exclusive insurance agencies that are able to give comparison quotes.


3120 15th St S - Fargo, ND 58103 - (701) 241-7642 - View Map


4650 26th Ave S a - Fargo, ND 58104 - (701) 237-3202 - View Map


1535 42nd St S #400 - Fargo, ND 58103 - (701) 318-3613 - View Map

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Independent Car Insurance Agents

Agents that choose to be independent do not work for one specific company and that allows them to write policies with lots of companies and help determine which has the cheapest rates. If prices rise, they simply move your policy to a different company and you stay with the same agent.

When comparison shopping, it's a good idea to get quotes from at a minimum one independent agency to get the best comparison.

The following is a short list of independent insurance agencies in Fargo that are able to give price quote information.


1020 36th St S c - Fargo, ND 58103 - (701) 280-8860 - View Map


PO Box 1958 - Fargo, ND 58107 - (701) 237-3311 - View Map

Ally Insurance Agency
1701 1st Ave N - Fargo, ND 58102 - (701) 478-2041 - View Map

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Cheap auto insurance premiums are possible

As you restructure your insurance plan, it's very important that you do not sacrifice coverage to reduce premiums. In many instances, someone sacrificed liability limits or collision coverage and discovered at claim time they didn't purchase enough coverage. Your goal should be to buy enough coverage at the best cost while still protecting your assets.

Lower-priced auto insurance in Fargo can be purchased from both online companies as well as from insurance agents, and you should be comparing both in order to have the best chance of saving money. There are still a few companies who do not offer online rate quotes and most of the time these regional insurance providers provide coverage only through independent agents.

More detailed auto insurance information is available at these sites: