Compare Fayetteville, NC Car Insurance Rates (2021)

The cheapest car insurance company in Fayetteville, NC, is Liberty Mutual. However, car insurance quotes vary for each person. The most significant ways companies determine auto insurance rates are driving record, credit history, and age. If you shop around, you can secure Fayetteville, NC, car insurance rates around $235/mo.

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Zaneta Wood, Ed.S. has over 15 years of experience in research and technical writing bringing a keen understanding of data analysis and information synthesis to reach a wide variety of audiences. She studied adult education and instructional technology at Appalachian State University as well as technical and professional communication at East Carolina University. Zaneta has prepared technical p...

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Joel Ohman is the CEO of a private equity backed digital media company. He is a CERTIFIED FINANCIAL PLANNER™, author, angel investor, and serial entrepreneur who loves creating new things, whether books or businesses. He has also previously served as the founder and resident CFP® of a national insurance agency, Real Time Health Quotes. He has an MBA from the University of South Florida. Jo...

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Reviewed by Joel Ohman
Founder & CFP®

UPDATED: Aug 5, 2021

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Here's what you need to know...

  • Car insurance in Fayetteville, North Carolina, is $358 more per year than the national average
  • Liberty Mutual is the cheapest car insurance company in Fayetteville, NC
  • North Carolina’s minimum car insurance requirements are 30/60/25
  • Your daily commute and Fayetteville’s vehicle theft statistics can affect your auto insurance rates

On average, Fayetteville, NC car insurance costs $4,290 per year or $358 per month, which is $358 less than the national average and $897 more than the North Carolina car insurance average.

But why is Fayetteville, North Carolina car insurance more expensive than the state average?

Auto insurance rates are determined by a few factors, such as age, gender, driving history, and credit score. Don’t worry – we’ll explain everything you need to know about finding cheap car insurance in Fayetteville, North Carolina.

Ready to find affordable Fayetteville, NC car insurance? Enter your ZIP code above to get started.

Monthly Fayetteville, NC Car Insurance Rates by ZIP Code

Check out the monthly Fayetteville, NC auto insurance rates by ZIP Code below:

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Fayetteville, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates

You might find yourself asking how does my Fayetteville, NC stack up against other top metro auto insurance rates? We’ve got your answer below.

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What is the cheapest car insurance company in Fayetteville, NC?

The cheapest car insurance company in Fayetteville, NC, is Liberty Mutual. The following most affordable car insurance companies are Progressive and GEICO.

Which Fayetteville, NC auto insurance company has the cheapest rates? And how do those rates compare against the average North Carolina auto insurance company rates? We’ve got the answers below.

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Here are the best auto insurance companies in Fayetteville, NC, ranked from cheapest to most expensive:

  • Liberty Mutual – $2,816
  • Progressive – $3,122
  • GEICO – $3,365
  • Nationwide – $3,755
  • State Farm – $3,927
  • Travelers – $4,040
  • Allstate – $9,007

Most of the top companies in Fayetteville are cheaper than average, except Allstate. However, your car insurance costs will depend on personal factors.

The most significant factor is your driving history. Some car insurance companies provide at least 15 percent off if you have a clean driving record. You can even save money on monthly rates if your credit score is good.

Another critical factor that determines auto insurance is location. Car insurance providers can base your rates on the neighborhood ZIP code.

So what’s the cheapest neighborhood in Fayetteville? The most affordable ZIP code in Fayetteville, NC, is 28310, and its average car insurance cost is $3,950 per year or $329 per month.

Single male drivers under 25, however, could see car insurance rates that are twice as expensive. Fayetteville is known for its young male veteran population, so rates are more expensive than average.

Meanwhile, married drivers, regardless of gender and over the age of 24, pay significantly less.

Fayetteville, NC auto insurance rates by company and age is an essential comparison because the top auto insurance company for one age group may not be the best company for another age group.

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Your coverage level will play a major role in your Fayetteville auto insurance rates. Find the cheapest Fayetteville, NC auto insurance rates by coverage level below:

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Your credit score will play a major role in your Fayetteville auto insurance rates unless you live in these states where discrimination based on credit is not allowed: California, Hawaii, and Massachusetts. Find the cheapest Fayetteville, NC auto insurance rates by credit score below.

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Your driving record will play a major role in your Fayetteville auto insurance rates. For example, other factors aside, a Fayetteville, NC DUI may increase your auto insurance rates 40 to 50 percent. Find the cheapest Fayetteville, NC auto insurance rates by driving record.

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Factors affecting auto insurance rates in Fayetteville, NC may include your commute, coverage level, tickets, DUIs, and credit. Controlling these factors will help you maintain cheap Fayetteville, NC auto insurance.

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These states no longer using gender to calculate your auto insurance rates — Hawaii, Massachusetts, Michigan, Montana, North Carolina, and Pennsylvania. But age is still a significant factor because young drivers are often considered high-risk. North Carolina does not use gender, so check out the average monthly auto insurance rates by age in Fayetteville, NC.

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What are the minimum car insurance coverage requirements in Fayetteville, NC?

If you want to drive legally in Fayetteville, North Carolina, you’ll need to carry the minimum car insurance requirements. The North Carolina DMV will not let you obtain a driver’s license if you do not meet the state requirements.

Here are the requirements:

  • $30,000 per person and $60,000 per incident for bodily injury liability
  • $25,000 per incident for property damage

You can get a higher coverage limit to cut some of the out-of-pocket expenses you could face after an accident. However, you’ll pay more for auto insurance per year.

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What affects car insurance rates in Fayetteville, NC?

Did you know your auto insurance is determined by how much drive? Even vehicle theft stats can affect your car insurance per year.

Car insurance providers calculate your policy by the miles you’re estimated to travel. Meanwhile, auto thefts determine your chances of filing a comprehensive insurance claim.

According to the FBI statistics, Fayetteville, North Carolina, had 385 vehicle thefts in 2019.

What about your daily commute? According to Numbeo, the average Fayetteville commute to work is 28 minutes.

Fayetteville, NC Car Insurance: The Bottom Line

Fayetteville, NC, car insurance is expensive because of the young male veteran population around Fort Bragg. However, a clean driving record and an excellent credit score can secure cheap car insurance.

Take advantage of your car’s safety and anti-theft features, too. Your car insurance provider may give you a discount.

Before you buy car insurance in Fayetteville, NC, be sure you’ve checked rates with multiple companies. Enter your ZIP code below to get fast, free Fayetteville, NC car insurance quotes.

Free Car Insurance Comparison

Enter your ZIP code below to view companies that have cheap car insurance rates.

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Monthly Fayetteville, NC Car Insurance Rates by ZIP Code
Fayetteville, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fayetteville, NC Car Insurance Rates by Company vs. City Average
Fayetteville, NC Car Insurance Rates by Company and Age
The Cheapest Fayetteville, NC Car Insurance Rates by Coverage Level
The Cheapest Fayetteville, NC Car Insurance Rates by Credit Score
The Cheapest Fayetteville, NC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fayetteville, NC
Average Monthly Car Insurance Rates by Age & Gender in Fayetteville, NC
Monthly Fayetteville, NC Car Insurance Rates by ZIP Code
Fayetteville, NC Car Insurance Rates vs. Top US Metro Car Insurance Rates
Fayetteville, NC Car Insurance Rates by Company vs. City Average
Fayetteville, NC Car Insurance Rates by Company and Age
The Cheapest Fayetteville, NC Car Insurance Rates by Coverage Level
The Cheapest Fayetteville, NC Car Insurance Rates by Credit Score
The Cheapest Fayetteville, NC Car Insurance Rates by Driving Record
Factors Affecting Car Insurance Rates in Fayetteville, NC
Average Monthly Car Insurance Rates by Age & Gender in Fayetteville, NC