120+ more*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on September 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on September 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
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Updated
Fayetteville drivers pay an average of $104 per month for car insurance. Liability coverage averages $81 per month, and full coverage costs about $127 per month.
Compared to the average cost of car insurance statewide, which is $91 per month, Fayetteville drivers pay more for coverage. Rates in Charlotte are slightly higher, but lower in nearby Raleigh and Wilmington.
Cumberland County’s population density is among the highest in the state. Interstate 95 also passes along the eastern edge of the city.
These two factors contribute to traffic congestion in Fayetteville and, likely, to higher insurance rates.
All North Carolina drivers must carry car insurance. State-minimum requirements include $50,000 per person and $100,000 per accident for bodily injury liability, and $50,000 for property damage liability.[1]
After an at-fault accident, liability insurance pays for the other driver’s car repairs and medical bills. On average, liability-only insurance in Fayetteville costs $81 per month.
In comparison, the statewide average for liability-only coverage is $69 per month. The following table shows the cheapest liability car insurance rates in Fayetteville.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $63 |
| Progressive | $69 |
| GEICO | $72 |
| Direct Auto | $73 |
| National General | $73 |
| Liberty Mutual | $75 |
| Safeco | $77 |
| Travelers | $79 |
| Dairyland | $85 |
| Allstate | $86 |
| State Farm | $104 |
Liability policies average $81/mo.
Fayetteville drivers pay an average of $127 per month for full-coverage policies. Direct Auto and Progressive have lower full-coverage rates, on average.
Fayetteville has a risk of flooding. Comprehensive insurance, which insurers include in a full-coverage policy, pays to repair or replace your vehicle if it sustains flood damage.
A full-coverage policy also pays if you hit a deer. North Carolina also has a high deer population, and 7% of all vehicle crashes in the state involve an animal strike, according to the North Carolina Alliance for Safe Transportation.
The table below lists the cheapest rates for full-coverage car insurance in Fayetteville.
Insurance Company | Average Monthly Quote |
|---|---|
| Direct Auto | $101 |
| National General | $101 |
| Progressive | $101 |
| Erie | $109 |
| Liberty Mutual | $120 |
| GEICO | $123 |
| Safeco | $130 |
| Travelers | $137 |
| Allstate | $148 |
| State Farm | $176 |
| Dairyland | $179 |
Compared to other cities in the state, Fayetteville car insurance rates are slightly higher. But Fayetteville’s rates aren’t the highest in the state. Drivers in Charlotte have the highest average rates, at $109 per month.
Asheville drivers pay much less, with rates averaging $76 per month. Fayetteville auto insurance costs are also similar to those in nearby cities like Greenville and Goldsboro.
Elevated trucking traffic and high accident rates may contribute to Fayetteville’s insurance costs.
Explore average monthly car insurance costs by city in the table below.
City | Average Monthly Quote |
|---|---|
| Asheville | $76 |
| Chapel Hill | $77 |
| Morrisville | $77 |
| Burlington | $81 |
| Cary | $82 |
| Mooresville | $82 |
| Rocky Mount | $84 |
| Wilmington | $84 |
| Jacksonville | $85 |
| Durham | $89 |
| Hickory | $90 |
| Raleigh | $92 |
| Greensboro | $94 |
| Goldsboro | $95 |
| Kannapolis | $95 |
| High Point | $98 |
| Wilson | $99 |
| Matthews | $100 |
| Concord | $101 |
| Greenville | $102 |
| Gastonia | $105 |
| Charlotte | $109 |
Fayetteville drivers pay slightly higher car insurance rates than the state average. Even so, rates in Fayetteville are significantly lower than the national average of $143 per month.
As the sixth-largest city in North Carolina, Fayetteville has more traffic than other parts of the Tar Heel State, which may contribute to its higher-than-average rates. But the area’s inland location and limited exposure to severe weather, compared with coastal counties in the state, may help keep rates below the national average.
*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on September 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
*Quotes generated for Insurify users in and around Fayetteville, North Carolina within the last 10 days. Last updated on September 11, 2026. Actual quotes may vary based on the policy buyer’s unique driver profile.
Insurers take many factors into account when determining your premiums, including your driving history. Drivers with a clean record typically pay less for insurance than those with a history of speeding tickets or other incidents.
Here’s a look at the cheapest car insurance companies for liability coverage by driving record, according to Insurify data:
Cheapest car insurance for Fayetteville drivers with a clean driving record: Erie
Cheapest car insurance for drivers with a speeding ticket in Fayetteville: Erie
Cheapest car insurance for Fayetteville drivers with an at-fault accident: Erie
Cheapest car insurance for drivers with a DWI in Fayetteville: Erie
North Carolina is an at-fault state. This means drivers who cause an accident are responsible for the other driver’s medical bills and car repairs.
Insurance premiums typically increase after an at-fault accident. A speeding ticket or driving while impaired (DWI) conviction can also lead to higher premiums, as insurers view you as a high-risk driver.
In Fayetteville, 5.5% of drivers have an at-fault accident on their driving record, 4.7% have a speeding ticket, and .6% have a DWI, according to Insurify data.
Driving Record | Average Monthly Quote |
|---|---|
| Clean driving record | $104 |
| Speeding ticket | $135 |
| At-fault accident | $144 |
| DWI | $264 |
Fayetteville is among the largest cities in North Carolina, with a population of around 210,000. Traffic congestion can sometimes be an issue, especially on Robeson Street and Skibo Road during peak commuting hours.
If you’re heading to the city’s historic downtown area, be aware that the city enforces parking limits on weekdays from 9 a.m. to 5 p.m. You can reserve and pay for event parking in advance at the Hay Street garage, Franklin Street garage, and some surface lots via ParkWhiz.
A major restoration project will close portions of the All American Freeway for 24 months, according to the North Carolina Department of Transportation. The replacement of the 50-year-old Gruber Bridge will require drivers to find alternative routes during construction.
Beyond traffic and road construction, Fayetteville also has a high rate of accidents. The city reported 4,471 crashes in 2024, with just fewer than 2,000 involving injuries.[2]
To help combat high accident rates, law enforcement agencies in Cumberland County, including the Fayetteville Police Department, participated in Operation Slow Em’ Down. The goal of this 2026 campaign was to reduce speeding and aggressive driving in the area. Officers issued 160 citations.
And while North Carolina law requires drivers to carry a minimum amount of liability insurance, many drivers ignore that rule. An estimated 10% of North Carolina drivers are uninsured, according to the Insurance Research Council.
Fayetteville drivers spend an average of 19 minutes commuting each way, according to the U.S. Census Bureau. Traffic often backs up on I-95, which brushes the eastern edge of the city.
In town, heavy traffic congestion sometimes occurs on Robeson Street, Skibo Road, U.S. Highway 87, and state Route 210, especially during commuting hours.
Along with several other North Carolina cities, Fayetteville also serves as a major logistics hub. Its location along I-95 and I-295 contributes to significant freight traffic.
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In North Carolina, teens can start the graduated licensing process as early as age 14 and a half by enrolling in a driver education course. At 15, they can get a limited learner permit.
Once they turn 16 and have logged 60 driving hours, teens can apply for a limited provisional license. They’re eligible for a full provisional license after six months.[3]
The following table shows liability-only premiums from the cheapest auto insurers for teen drivers in Fayetteville.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $114 |
| Progressive | $125 |
| GEICO | $129 |
| Liberty Mutual | $130 |
| Direct Auto | $141 |
| National General | $143 |
| Dairyland | $146 |
| Allstate | $155 |
| Safeco | $156 |
| Travelers | $162 |
| State Farm | $199 |
Seniors represent 12.9% of Fayetteville’s population, according to U.S. Census Bureau data. Fayetteville drivers aged 60 and older pay some of the cheapest rates, averaging $71 per month for liability-only car insurance.
North Carolina state law requires drivers aged 66 and older to renew their licenses every five years, while younger drivers must renew theirs every eight years.[4]
See the table below to find companies with the cheapest liability auto insurance rates for senior drivers in Fayetteville.
Insurance Company | Average Monthly Quote |
|---|---|
| Erie | $49 |
| GEICO | $58 |
| National General | $58 |
| Direct Auto | $60 |
| Progressive | $61 |
| Liberty Mutual | $63 |
| Travelers | $64 |
| Safeco | $68 |
| Dairyland | $73 |
| Allstate | $76 |
| State Farm | $82 |
For more information about finding the best car insurance in Fayetteville, see answers to frequently asked questions below.
Drivers in Fayetteville pay an average of $104 per month for car insurance. Liability-only coverage averages $81, while full coverage costs about $127 per month.
Erie has the cheapest auto insurance rates for Fayetteville drivers, averaging $63 per month for liability-only coverage. Other companies offering relatively cheap rates in Fayetteville include Progressive and GEICO.
Fayetteville is the sixth-largest city in North Carolina and a regional transportation hub for freight trucks. These factors may contribute to above-average car insurance costs.
You may be able to lower your costs by shopping around, raising your deductibles, asking about discounts, and bundling coverage. For example, buying home insurance, renters insurance, business insurance, or life insurance through the same company may save you money.
North Carolina requires drivers to carry a minimum of $50,000 in bodily injury liability coverage per person, $100,000 in bodily injury liability per accident, and $50,000 in property damage liability coverage per accident.
North Carolina drivers pay an average of $104 per month for car insurance, or $81 per month for liability-only coverage and $127 for full coverage.
Insurify data scientists analyzed more than 250 million quotes served to car insurance applicants in Insurify’s proprietary database to calculate the premium averages displayed on this page. These premiums are real quotes that come directly from Insurify’s 500+ partner insurance companies in all 50 states and Washington, D.C. Quote averages represent the median price for a quote across the given coverage level, driver subset, and geographic area.
Unless otherwise specified, quoted rates reflect the average cost for drivers between 20 and 70 years old with a clean driving record and average or better credit (a credit score of 600 or higher).
Liability-only premium averages correspond to policies with the following coverage limits:
Quotes for Allstate, Farmers, GEICO, State Farm, and USAA are estimates based on Quadrant Information Services’ database of auto insurance rates.
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7+ years writing insurance and personal finance content
Contributor to top media, including USA Today
Featured in
Licensed property and casualty insurance agent
10+ years editing experience
NPN: 21630969
30+ years in financial services
Clinical Professor of Finance, University of San Diego
At Insurify, our goal is to help customers compare insurance products and find the best policy for them. We strive to provide open, honest, and unbiased information about the insurance products and services we review. Our hard-working team of data analysts, insurance experts, insurance agents, editors and writers, has put in thousands of hours of research to create the content found on our site.
We do receive compensation when a sale or referral occurs from many of the insurance providers and marketing partners on our site. That may impact which products we display and where they appear on our site. But it does not influence our meticulously researched editorial content, what we write about, or any reviews or recommendations we may make. We do not guarantee favorable reviews or any coverage at all in exchange for compensation.
